For housewives, it is difficult to obtain a credit card if there is no income. In order to get a credit card issued, you need proof, such as submitting documents that can prove your income.
Let’s find out how housewives (unemployed) can get a credit card issued.
How to issue a credit card for housewives
For housewives, it can be issued based on the spouse’s workplace or property tax.
The criteria for the current spouse’s employment may change according to the credit card company’s new standard entry criteria.
If applying based on the spouse standard, the consent of the spouse must be obtained, and the review will be conducted after proving the marital relationship.
1. Confirmation of Spouse’s Consent
1) Write the date of issuance of the spouse’s resident registration card and driver’s license number information on the spouse’s attached consent form
2) Call the spouse himself/herself and notify whether the spouse agrees to provide income information (recording)
2. Documents proving marital relationship
– Copy of resident registration, family relation certificate, etc.
However, if the requirements 1 to 3 below are confirmed, the documents can be omitted.
1) If a family member receives a phone call at home, it is acknowledged after confirming the marital relationship
2) Confirm the spouse’s member information and recognize if the phone number or home address matches
3) When the applicant receives a phone call at home and connects to the spouse next to him, it is acknowledged after checking the name, etc.
3. How to prove your spouse’s income
– Based on incumbents: 4 major insurance subscribers
– Business standard: business registration certificate
– Real estate standard: certified copy of register
– Local medical insurance: Head of household, paid over 30,000 per month for the last 3 months or more
– National Pension Criteria: Payment of 50,000 won or more per month for the last 3 months or more, receipt of 500,000 won or more per month for the last 3 months or more
– Bank average balance standard: Only deposit and withdrawal accounts maintain an average balance of 500,000 won or more every month for the last 6 months
– Bank Installment Deposit Criteria: Over the past 6 months (180 days), paid over 500,000 won per month, and is being maintained
– Subscription average balance standard: More than 1 year of payment has elapsed and the balance of more than 500,000 won is maintained
– Stock maintenance standard: 6-month average of KRW 10 million or more & end of KRW 2 million or more (180 days from the date of establishment)
– Personal insurance standard: If you are a contract holder, pay more than 60,000 won per month, and the minimum cumulative amount is more than 900,000 won
– Pension Receipt Criteria: Receiving various pensions of 500,000 won or more per month.
– Criteria for owning a car: Year-old vehicle less than 6 years & owned for more than 3 months, excellent credit score of 4 or higher in the past
– Apartment residence standards: 25 years of age or older, head of household or spouse, excellent credit score
– Jeonse residence standard: Jeonse deposit of 50 million won or more, excellent credit score