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.
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This is an era where everyone has at least one or two credit cards. Credit cards are as common as wallets. However, if you quit your job, the unfortunate part is that it is difficult to get a credit card issued like this.
Here is detailed information on how to get an unemployed Hana credit card, so please check it out.
index
1. Conditions for issuing a credit card for one incumbent
2. Conditions for issuing a credit card for an unemployed person
3. What is average account balance proof?
4. Tips for issuing Hana Bank credit cards for the unemployed
1. Conditions for issuing a credit card for one incumbent
In the case of incumbents, it is almost always issued as a free pass. You can see that almost 100% is issued if the credit rating is 6 or higher and the tenure period is more than 3 months. However, it cannot be issued if your payment is overdue, if you have recently received a lot of cash advances with other credit cards, or if your credit card payments are in arrears.
Current workers do not need to find out about the conditions for issuing a credit card, and they can apply immediately.
2. Conditions for issuing a credit card for an unemployed person
The unemployed must prove that they have a certain amount of income and can sufficiently repay the purchases using a credit card. The method of proof of this income is slightly different for each credit card company. So, depending on the card company that suits your situation, a credit card may or may not be issued.
First of all, the basic credit rating must be 6 or higher. Credit card issuance is not unconditionally from the 8th grade or lower, and there are cases where it is 7th grade and sometimes not. If your credit rating is low, it is not a basic condition for issuance, so you need to raise your credit rating step by step first.
Then there are a few cases where unemployed people can prove their income. To put it simply, it is as follows.
In the case of a housewife who meets the spouse criteria, it can be issued when the spouse meets the general card issuance criteria.
Documents proving family relationship
Proof of spouse’s income
Criteria for proving property If you have real estate in your name that meets the criteria for card issuance, prove that you own property, such as a certified copy of the register.
Proof of income from self-employment In the case of a normal business owner or freelancer, business registration document
Documents proving family relations
Documents related to spouse qualification
Average Account Balance Customers using KEB Hana Bank accounts maintain an average balance of KRW 300,000 for 3 months
3. What is average account balance proof?
It is not easy to prove the above criteria for spouse, property proof, and self-employment income unless the conditions are met. However, the average account balance proof can be made with only 3 months of preparation.
First of all, you must be using a Hana Bank account. If you do not have one, please issue a Hana Bank regular savings account first. Next, you need to deposit more than 300,000 won on average for three months in your bank account.
Your average balance is literally the average amount of money you have in your bank each day for three months. For example, if it is 400,000 won on January 1st and 200,000 won on January 2nd, the total is 600,000 won for 2 days, so the daily average is 300,000 won. In this way, it is possible to issue if the average amount exceeds 300,000 won for 3 months.
Other banks, of course, can issue credit cards with proof of average account balance. Among them, Hana Bank has the easiest conditions. Usually, there are many cases of more than 100 won for an average maintenance of 6 months.
4. Tips for issuing Hana Bank credit cards for the unemployed
-Using the Toss app
Some of you may have applied for a credit card issuance in the above method, but have been rejected. In that case, there is a way to apply for the issuance of the Toss App. Toss is a payment-related app, and in this app, we have signed an agreement with Hana Bank to issue Hana Bank credit cards.
There is a high probability of success in issuing a credit card because the issuance screening is less difficult than issuance through a bank.
– Using e-Civil Application
Card companies can use a method called electronic complaints. The card review is done automatically through the computer, but if you apply for an electronic civil application after issuance is rejected, a person will do the review again. At this time, if you write an explanation on how to repay the card bill well without being overdue in the contents of the electronic complaint, it may be issued.
So far, we have learned about issuing Hana Bank credit cards. If you overdue, your credit rating will decrease, and in the case of long-term overdue, you may become a credit defaulter, so always use your credit card wisely and wisely.