Let’s look at how to obtain a credit card for unemployed people and the conditions for issuance. Usually, in order to be issued a credit card, it is possible to prove your credit rating or income. Each card company has slightly different conditions, but in general, you must meet the criteria for issuance. So today, I will introduce how to issue a credit card for the unemployed or housewives who do not meet those conditions.
무직자 신용카드 발급
Usually, credit cards are issued only to those with clear incomes, such as office workers and businesses, so even if you find a credit card with the benefits you need, you will have difficulty issuing a credit card because you are unemployed. Let’s summarize the conditions for issuing a credit card for unemployed people who have become desperate because they have no income.
How to get a 7th grade jobless loan from a place with a high approval rate
How to get a 7th grade jobless loan from a place with a high approval rate
The reason why interest in grade 7 unemployed loans is hot is because it is possible to get a small loan for unemployed people without a job or income. Most unemployed loans are made up of small loan products, so
love1718.tistory.com
Conditions for issuance of Shinhan Card for unemployed credit card
In the case of Shinhan Card, screening is conducted through two credit information sources: Nice Keeper (NICE) and All Credit (KCB). In general, it is said that it can be issued without proof of income up to grade 6, but grade 7 will proceed with proof of income and exception screening. If you don’t know your credit rating so far, you should start managing your credit now.
It is possible if you are paying property tax based on property tax (land/building/apartment, etc.).
If you are married, if your spouse meets the criteria for issuance, issuance is possible.
It is possible if the standard amount of installment savings from other banks is over KRW 6 million and the period is over 6 months.
ex) Subscription passbook 300 + Deposit passbook 300, period 6 months : Possible
ex) Subscription bankbook 600, period 6 months: possible
ex) Deposit and withdrawal bankbook 600, period 6 months: available
ex) Subscription bankbook 600, period 5 months: impossible (possible after one month)
Shinhan Bank 3-month average balance of KRW 800,000 or more possible (credit level 1 to 6 only)
Shinhan Bank 1 month A monthly average balance of KRW 2.4 million or more is possible
Pension recipients: public servants, teachers, soldiers, national merit (survivors), pension
Recipients of the National Pension Scheme of KRW 500,000 or more per month
If you are paying more than 50,000 won for the national pension for more than 3 months
Head of household for local medical insurance: If you are the head of household for local medical insurance and have paid an average of 40,000 won or more per month for the last 3 months
Shinhan Card Insurance Criteria: Insurance cancellation refund of KRW 3 million or more or insurance premiums of KRW 100,000 or more per month for the last 6 months
Other tips from this blog
Easy place to issue a credit card, compare card benefits
Find out the maximum interest rate for mobile microloans
Card issuance credit rating standard
The credit rating system has changed from a “rating system” operated from 1 to 10 to a “rating system” based on subdivided standards from 1 to 1000 points. Previously, the 6th grade standard was 744 points for Nice Keeper and 700 points for All Credit, but it has been subdivided and there is no clear standard yet.
Tips for those who have trouble getting a credit card
It doesn’t apply to everyone. It is said that the credit card company can issue an electronic complaint system with a small limit. Usually, when you apply for a card, a person automatically approves or rejects it electronically. Among these, depending on the situation, people do additional screening. In Jeonsan, it is said that even in the case of a rejection, the card may be issued if the customer’s claim is recognized.
If you look at the bottom of Shinhan Card’s homepage, you can find “electronic complaint” and leave a good message while talking about the situation as low as possible.
Passing a card by hand
Also, sometimes, if you apply for issuance directly through the homepage or other event sites (such as 11st), you may be approved. In addition, if you must get issued despite the low possibility of issuance, getting issued through a card collector can also increase the approval rate. Personally, I don’t like this, but if you really need to issue it, I think it would be nice to refer to it.
Credit cards and credit management
Credit cards provide very important information in determining your credit rating. That’s why people who don’t even have a credit card can be disadvantaged even when they want to get a loan because they lack the basis to judge their credit. That’s why I have an appropriate number of credit cards, as many as I can manage. If you make a lot without being able to manage it, you will only increase your credit card debt later, so it will be a very important evaluation standard to use it well without overdue, compared to income, and to the line you can afford.
Use not to exceed 30% of the limit
Overdue is never okay. (Never do it unless it is bankruptcy or rehabilitation)
Depending on the situation, you can use a long-term card loan (card loan), but never use a cash advance.
It is better to pay in installments than installments
Setting up revolving is nice, but we don’t recommend using it.
So far, I have organized the conditions for issuing a credit card for the unemployed. When I tried to get a credit card issued after marriage, I remember being very embarrassed when I was told that I couldn’t because I was unemployed. I should have called my husband and was very upset about something. With a little effort, even unemployed people can get a credit card issued, so please proceed in a safe place.