4 ways to open a credit card without proof of income, even making online cards

As an effective financial support tool, meeting spending needs even when you are “empty”, with many practical benefits such as cashback incentives, points accumulation…, credit cards are becoming more and more popular. popular and loved by many consumers. However, the requirement to prove income to issue a card is a barrier that prevents many people from owning this card, such as freelancers, online sellers, housewives, etc.

However, there are still a few simple ways to help you open a credit card without proof of income as below.

Open a credit card with life insurance

For banks, if you own life insurance, it means that you can fully demonstrate financial capacity, reliability and reputation. Not to mention, banking and life insurance are often closely linked. The bank will also get a guarantee from the financial company/insurance company.

Of course, you’ll need to meet some specific rules if you want to open a credit card with life insurance. For example, you will need to pay continuous insurance for at least 1 year, with a minimum payment of 10 million VND/year. In addition, you must be a Vietnamese citizen between the ages of 20 and 60.

Have traveled abroad in the last 5 years

The measure is feasible, but in fact, there are quite a few banks that accept credit cards with a travel history in the last 5 years. You need to prove the number of times you have traveled abroad, provide a passport, proof of age (20-60)…

Based on other bank’s credit card

If you already have a credit card (valid) at one bank, you can open another credit card at another bank. Of course, you must meet the conditions of “maturity on time” and “have a good trading history”. In addition, the new bank will also review your credit history, transaction history and use of the old card to check your creditworthiness and ability to pay.

Choose online credit cards without proof of income

This is the simplest and most convenient way for those who want to own a credit card. Now many banks have launched online credit cards with extremely quick registration, especially without proof of income. You just need to register with CCCD and provide some personal information. The physical card will be sent to your door in a few days, much more convenient and easier than the traditional way of making cards.

Suggest some types of online credit cards without proof of income that you can refer to: