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 musSt 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.
Today, we will take a look at how to get a credit card for unemployed college students and housewives and how to use it well after issuance. First of all, check where you can issue a credit card on the same day.
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Same day credit card issuance
To issue a credit card for the unemployed
Compared to workers, it is true that issuing a credit card is difficult for unemployed people, housewives, college students, and part-timers who do not have a fixed monthly income.
However, that doesn’t mean you can’t get a credit card at all. When I was unemployed, I was easily issued two credit cards.
The first limit for Samsung Card was 4 million won, but for Hyundai Card, the limit came out to 1.2 million won, and after about 3 months, the limit increased, and the card loan limit also increased to 10 million won 3 months after the card was issued.
If you are subscribed to the 4 major insurances like an office worker, there is no great difficulty in obtaining a credit card. However, in the case of the unemployed, a credit card can be issued instead of a job if the following conditions are met.
Conditions for issuing a credit card for the unemployed
Those who own real estate in their name
Those who own their own car
Head of household paying local medical insurance
Those who have paid insurance premiums of 150,000 won or more for 6 months or more, or whose total payment amount is 1 million won or more
Deposit or Installment Savings Subscriber
Those with an average account balance of 1,000,000 won to 6,000,000 won (Account balance criteria differ depending on the card company)
Those who have signed up for a housing subscription account and have a balance of about 6 million won
If the spouse has income and can consent
If you have a part-time job and generate some income, you can apply for a credit card issuance if you have an income of at least 500,000 won per month.
You can apply for issuance of a credit card immediately on the Internet or through a planner.
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The first step to using your credit card well
There are many good things if you only use a debit card and spend within the range of cash in your savings account. However, the downside is that there are far fewer discounts and benefits than credit cards.
Living as a modern person, it is good to have 1 or 2 credit cards for credit management.
However, if you spend too much due to having a card, or if you make too many installment payments rather than lump sum payments, or if you mainly use installment payments, cash advances, or card loans, it is better to gradually reduce your use of credit cards and change your habits to use debit cards.
However, there are many advantages to using a credit card if you can use it wisely and get as many benefits as possible and spend frugally.
Write down benefits on each credit card
If you have multiple credit cards, it’s a good idea to write down key benefits. Write on one side of the card with a name pen. Or, it’s a good idea to write it down on your desk calendar or smartphone calendar that you see every day.
Write down the benefits that you can receive from the card, such as school fees, convenience stores, gas, movies, travel, etc.
A Card: School fee discount
B Card: Gas discount
C Card: Accumulate airline mileage
D Card: Movie, cafe, convenience store discount
I am getting a discount of about 360,000 won a year by using a school fee discount card. If it is 360,000 won, it is the price of a month at the Korean language institute that you are currently attending. After all, it’s like sending a Korean language academy for free once a year.
After checking the main benefits of credit cards like this, it is necessary to make a plan to spend to help household chores.
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Why is it good to issue a card at the beginning of the month
When you first issue a credit card, you can receive benefits from the credit card company for the current month and the following month even if you have not used the card in the previous month.
Therefore, if you issue a card at the beginning of the month rather than issuing it at the end of the month, you can receive the maximum benefits from the card company because you can use it for about two months.
If you plan to issue a credit card, it would be a tip to find out so that it can be issued at the beginning of the month rather than at the end of the month.
Check the credit card company app often
These days, after issuing a credit card, there are many cases in which you have to apply for specific benefits in the card company’s app to receive the benefits.
For example, in the case of the Samsung Card app, there are categories such as Link Pick / Today Pick / Event Gather.
When you add a direct link in this category, you can receive benefits such as 5%, 10%, 5,000 won, and 10,000 won discount.
Benefits such as a 10% discount on E-mart shopping and a 5,000 won discount on a purchase of 20,000 won at Paris Baguette are often posted.
Since you can receive these benefits after you apply, it is essential to check the benefits of your credit card company from time to time.
It is a good idea to check the Samsung Card app from time to time to see if there are any discounts available.
The same goes for Hyundai Card. Hyundai Card can also receive discount benefits if you apply for the benefits you wish to receive directly under the names of 3rd Floor Gift and 2nd Floor Gift.
The bottom line is that when a credit card is issued by any card company, I often go to the card company’s app to check if there are any benefits or discounts that I can receive, and shop wisely with a discount.
Today, I tried to organize the first step to issue a credit card for unemployed housewives and use it well. Please also read the following articles of a similar type.