Summarize the conditions for issuing a credit card for the unemployed. Usually, in order to get a credit card, there is a condition that you must have a job. I think that you have to go to work to get a credit card issued, but there are other ways to get a credit card issued.
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We will tell you how to get an unemployed credit card issued. The conditions for issuing a credit card are not guaranteed to be issued to anyone, so you can get a credit card issued if you have a credit rating of 6 or higher, or if you have earned income or income from self-employment. This is a cut-off for each bank, and you can use it freely as long as you set the limit of the minus bankbook. However, how can a housewife without a job or an unemployed person receive a 7th grade credit card?
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How can I get a 7th grade credit card for unemployed people?
As explained earlier, in order to use a credit card smoothly, you must have a credit rating of 6 or higher, but even if it is not, it does not mean that you cannot use a credit card. Instead, the interest rate is a little expensive or the limit is only less, but it is recommended to thoroughly manage your credit rating on a regular basis even to remove this inconvenience.
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1. How to get an unemployed credit card issued
Whether or not each bank company has to pay insurance money. If the amount is set for more than 6 months, they issue a credit card. We provide a service that lends money even to low-income people. In the case of housewives, if their spouse has earned income or self-employment income, they can be eligible for a loan.
2. Utilize credit loan applications
If you have low credit, you may use a loan through a credit loan application. Recently, there are many loan products that can be used even if the credit rating is low, such as the Knowledgeable Job application or the Kakao Bank Cider application. However, since mobile phone authentication is required, there is a condition that you must have a mobile phone name by default. To do this, you should not be able to pay your cell phone bill because you have a cell phone overdue.
3. Utilize communication grade loans
Recently, there are many products such as SKT and LG KT that provide loans as long as you have a cell phone in your name. Representatively, there are many products that can be used without documents under the name of emergency fund loans such as T-Bang loans and Kakao Bank, so there is a wide range of products available. The interest rate starts from 7% to 21%, and the loan proceeds.
4. Using Employment Support Loans
There are also products that the government provides loans for the purpose of employment support. Since it is aimed at the unemployed, ID and separate documents are not required, and the loan limit is small, but it is a loan product supported by the government, so you can get a loan at a relatively low interest rate. However, the loan limit is as low as 5 million won, so it is better to check in advance.
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Credit card issuance conditions for the unemployed by card company
Different credit card companies have different conditions for issuing credit cards to unemployed people. Each bank, such as Shinhan Card, Nonghyup Card, and Kookmin Card, has different card issuance requirements. Please refer to the information below.
Shinhan Card Unemployed Credit Card
The minimum conditions for issuing a Shinhan Card credit card for the unemployed must be met.
Payment history of more than 50,000 won in national pension for more than 3 months
If married, measure your spouse’s income.
If you own an apartment or house and pay property taxes
A person with a credit card from another bank – a person with a credit rating of 7 or lower
A person who has deposited more than 5 million won in another bank (Payment record for more than 6 months)
Shinhan Bank bank account balance exceeds 800,000 won in 3 months – 20 years of age or older
Those who received previous salary through Shinhan Bank
Nonghyup Card Unemployed Credit Card
Conditions for issuing credit cards to unemployed are as follows: The background is similar to Shinhan Card, and the concept of property tax is somewhat complicated.
23+ Married
Local health insurance subscribers: 40,000 won per month for 3 months or more
Donate over 50,000 won per month to the National Pension Service
The advantage of applying for a Nonghyup unemployed credit card is that most full-time housewives have relatively low standards, so if you have a spouse, you can apply on the same day if you submit a certificate of kinship or a copy of family register.
KB Kookmin Card Unemployed Credit Card
Qualifications for KB Kookmin Card to issue a credit card to the unemployed include credit rating, pension recipient, and national pension payment details. All Credit, Nice Keeper and Credit Score are different, so check below.
Credit score NICE 710 or higher, KCB All Credit 620 or higher
20 years of age or older
Pension income earner Other pension of 1 million won or more or public pension of at least 500,000 won
Health insurance payment history If you paid more than 50,000 won per month for more than 3 months
If you have paid more than 100,000 won or more than 3 months
If the account balance of other bank transactions is more than KRW 3,000,000
Samsung Card unemployed credit card
The conditions for issuing a credit card to unemployed Samsung Card Samsung affiliates are subject to the requirements of other banks and whether or not the person owns a vehicle.
Conditions for issuance In case of steady payment of at least 30,000 won for local medical insurance for 3 months or more
Installment Savings Details If the installment savings details of other banks are paid over 300,000 won per month for 6 months
If you have paid more than 50,000 won per month to the National Pension Scheme for more than 3 months
If the vehicle has been owned in your name for less than 6 years and has been owned in your name for more than 3 months
The bank account balance does not matter, and the average balance is 500,000 won or more for more than 3 months
Woori Bank unemployed credit card
Woori Bank’s credit card issuance conditions are similar to those of the aforementioned banks.
If you have paid the premiums consistently for 6 months or more
Installment savings in other banks At least 200,000 won each If you have more than 6 months of installment savings
If you have an apartment, villa or house in your name on the property tax basis
National pension, health insurance premium National pension: 100,000 won Health insurance premium: 50,000 won or more for 3 months or more
Conditions for issuance If the spouse has income
How to block credit cards and why you shouldn’t
Let’s take a moment to learn how to block credit cards and why you shouldn’t. One of the reasons unemployed people get credit cards is to keep them from getting their money back.
finish
So far, we have looked at the conditions for issuing a 7th grade credit card for the unemployed. In a way, the conditions may be simple, but once your credit rating starts to go down, it can be a difficult situation to get out of control, so it’s better to maintain your credit rating at least enough to get a credit loan. In addition to this, if you can get a loan without a credit card, you must have a credit rating of 1 or 2 or higher, so it seems difficult to find this part.