Can be specific as follows:

First of all, to apply for a credit card as an individual industrial and commercial household, you need to provide the following materials:

First: you need to prepare a business license and a copy;

Second: identification: generally, it is an ID card (if you use a new ID card, you need a copy of the front and back), and the soldiers need to provide a copy of the military ID card;

Third: debit card and copy;

Fourth, some banks also need individual industrial and commercial households to provide tax registration certificates, three-month tax payment certificates and other information.

Note: Information required for unlicensed self-employed households to apply for credit cards: If you have savings and real estate, and can show proof of real estate or assets, you also have a great chance to get off the card.

What if the self-employed have no job? There are two channels.

Doing a credit card requires a stable job, but also fill in the work unit and telephone number, which is exactly what the self-employed do not have. Nevertheless, as long as the self-employed master some skills, even if they have no job, they can get a credit card as they wish. Let's have a look.

Self-employed individuals can also apply for credit cards online and offline. Different application channels will have different precautions.

1, online card:

Just apply through the official bank card link and fill in the relevant information to submit.

However, there is no self-operated option in the application form, so pay attention to the company address and telephone number when filling in the company information. Self-employed individuals with business licenses only need to write down the address and telephone number of the business license; There is no physical store. For example, if you open a Taobao shop, you will write down your home address and your landline or the landline of your relatives and friends. When the bank calls, you will say that you are in business.

Online applications may also require a face-to-face interview. After passing the preliminary examination, you can bring a valid ID card and relevant materials mentioned in the face-to-face SMS. Remember to answer the correct questions.

2. Offline card:

Relatively easier than online card processing. After all, many banks need to bring a business license, a valid ID card, a tax bill that can prove their income in the past three months, and a bank account. If you want to improve the success rate, you can also bring financial certificates such as real estate, automobile production, deposits, funds, stocks and bonds.

But if the self-employed can't provide business license, income certificate, etc. It is best to choose online card, which has a higher pass rate than counter card, and the specific results are subject to bank audit.

What materials do individual merchants need to apply for a credit card?

Self-employed individuals applying for credit cards must first meet three basic conditions:

1, age: 18~65 years old, with full capacity for civil conduct;

2. Credit conditions: good credit and no bad credit record;

3. Income conditions: there is a stable source of income, which can guarantee timely repayment every month;

The required supporting materials are:

1, running business license for more than 6 months: this is the key evidence for the bank to judge whether you have stable repayment ability, which is essential;

2. Identity card: generally, it is the identity card of an applicant with full capacity for civil conduct, and it cannot be a certificate that is about to expire or expire;

3. Financial proof: it is optional, generally it is an income tax withholding certificate, or a document that proves the market value of the house, car, deposit and investment (such as a copy of the real estate license/car driving license/bank time deposit certificate) and other materials that can prove your financial level. Provide financial resources to prove that the probability of passing is high.

Individual merchants suggest going to commercial banks to apply for credit cards, such as China Merchants Bank, China Guangfa Bank and China CITIC Bank.

A copy of business license, proof of income, proof of financial resources and proof of identity are required. Generally, the business license is required to be more than 6 months.

For more information about what materials individual merchants need to apply for credit cards, please visit: See More.

How do self-employed people apply for credit cards?

Can individual industrial and commercial households without fixed income and social security apply for credit cards? What information do you need to provide? After understanding the policies of major banks, we provide some tips to facilitate self-employed people to apply for credit cards.

Information required for individual industrial and commercial households to apply for credit cards:

1, business license and copy;

2. ID card and photocopy;

3. Debit card and its copy;

4. Some banks also need individual industrial and commercial households to provide tax registration certificates, three-month tax payment certificates and other information.

Information required for unlicensed self-employed households to apply for credit cards: If you have savings and real estate, and can show proof of real estate or assets, you also have a great chance to get a card.

How do self-employed people apply for credit cards?

To apply for a credit card, you need to meet the following conditions. Whether it can be issued depends on personal credit review:

1, no bad credit history.

2. If you have normal income, you can repay on time.

3. If you can provide proof of property or bank deposit, it will help the bank to issue credit cards and increase the amount.

Application method: For the safety of personal funds and information, please apply at the bank outlets or the bank in official website.

See the following provisions:

Age requirement: the age is between 18 and 65;

2. Income and asset requirements: have a stable occupation and income;

3. Credit and ability requirements: good credit and the ability to repay the principal and interest on time;

4. Have full capacity for civil conduct;

5. Provide the originals of various certificates.

I suggest you apply for some small banks, not four big banks, which will definitely fail.

How do self-employed people apply for credit cards? How do self-employed people apply for credit cards? If it is an individual industrial and commercial household, after providing business license and photocopy, ID card and photocopy, debit card and photocopy, the chances of card approval will be great. Some banks also need individual industrial and commercial households to provide tax registration certificate, three-month tax payment certificate and other information.

If you are an unlicensed self-employed, then if you have savings and real estate, if you can show proof of real estate or assets, you have a great chance to get off the card.

For applications that can provide proof of work, ICBC, Bank of China, Agricultural Bank of China and China Construction Bank have higher thresholds for applying for credit cards, while commercial banks such as China CITIC Bank, China Everbright Bank, Shenzhen Development Bank, China Merchants Bank and China Guangfa Bank have better applications.

As long as the information you provide is true, it won't be too difficult for self-employed people to apply for credit cards.

Unlicensed self-employed, with other bank credit cards, how to get a card?

At present, in prime Bank, only five banks, namely Bank of China, Bank of Communications, Guangfa Bank, Ping An Bank and Shanghai Pudong Development Bank, support card handling. When handling cards in these banks, card holders can provide other banks' credit cards that have been used for at least three months (as stipulated by Pudong Development Bank: holding other banks' credit cards 1 year or more) to the counter for handling. If the card handling record is good and there is no overdue, you can also get off quickly.

Can a self-employed person apply for a credit card? What credit card should a self-employed person apply for?

Although the self-employed have no job, they also want to apply for a credit card. After all, they have credit cards, and they can turn around when they are short of money in business. However, it is not so easy for the self-employed to apply for a card, so if you want to apply for a card, you must choose the right card. Here's how the self-employed apply for a credit card.

Can a self-employed person apply for a credit card?

Self-employed people can apply for credit cards. Individuals need to provide proof of work when applying for a credit card. Self-employed individuals who are engaged in self-employment can provide a copy of their business license and ID card without a work certificate. Details are as follows:

1, business license and copy;

2. ID card and photocopy;

3. Debit card and its copy;

4. Some banks also need individual industrial and commercial households to provide tax registration certificates, three-month tax payment certificates and other information.

Note: As long as the information you provide is true, it will not be too difficult for self-employed people to apply for a credit card. Information required for unlicensed self-employed households to apply for credit cards: If you have savings and real estate, and can show proof of real estate or assets, you also have a great chance to get a card.

Reminder: ICBC, Bank of China, Agricultural Bank and China Construction Bank have higher threshold for applying for credit cards, while commercial banks such as China CITIC Bank, China Everbright Bank, Shenzhen Development Bank, China Merchants Bank and China Guangfa Bank are better candidates.

Self-employed credit cards can consider these three types:

1, Ping An Bank Owner Card

If the self-employed have a car, you can consider this safe car owner credit card, which is a gold card with an objective quota. There are UnionPay cards and MasterCard+UnionPay dual currency cards. The annual fee is 200 yuan/year, which is free in the first year and 30,000 yuan in the second year.

The card can provide cardholders with 8.8% discount for more than 8,000 gas stations in 48 cities across the country, with 500 points = 1 yuan, and free road rescue service within 30 kilometers each time.

2. China Merchants Bank YOUNY Card

If you are a self-employed person under the age of 30, you just started your business and your financial strength is not strong enough, you can apply for this youth card. It is also easy to apply for this credit card online. Just fill out the application materials

It should be noted that the company address can be written on the business license, the company phone number can be written on the store landline, the annual income can be written as one year's operating income, and the high point can be written appropriately.

This card can enjoy the discount of eating, drinking and having fun of China Merchants Bank, and the points are permanently valid. Withdrawal amount 100%, and the first withdrawal every month is free.

3. Guangfa Bank True Love Card

Self-employed women can consider this true love card, which is the first female-only credit card in China. Since then, it has attracted many female consumers with its unique triple-point model of self-service merchants.

From this point, we can also see the importance attached by Guangfa Bank to female credit card holders. Therefore, it is almost unimpeded for female cardholders to apply for Guangfa True Love Card online. As long as the cardholder can provide stable income proof and personal information, then this card will not shut you out.

This concludes the introduction of how self-employed individuals apply for credit cards and how self-employed individuals apply for credit card limits. I wonder if you have found the information you need?