These days, everyone has at least one credit card. Many card companies issue credit cards with various benefits. Kookmin Bank credit card is one of them.
Conditions for issuing credit cards for unemployed people and how to apply
Here is detailed information on how unemployed people can get a Kookmin Bank credit card, so check it out and it will be helpful.
KB Kookmin Bank Credit Card Issuance Criteria
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1. Kookmin Bank credit card issuance conditions for the unemployed
2. How to apply for Kookmin Bank credit card
First of all, according to the general Kookmin Bank credit card issuance standard, it is stated on the homepage that you must be over 19 years old and have a good credit status as a result of credit information inquiry. It’s a bit ambiguous to say that your credit status is good. What status is good credit status…
More detailed criteria can be found on the website below.
You must have a NICE personal credit score of 710 to 1000 or a KCB personal credit score of 620 to 1000. If this is a score, we say between 1 to 6 credit ratings that we commonly say. In the end, if it is 6 or higher, it is applicable to the credit rating issuance standard.
In addition, if you are an incumbent worker who has paid the 4 major insurances for more than 3 months, you can issue them without asking or arguing. All general credit card companies have a credit rating of 6 or higher + 3 months of employment.
1. Kookmin Bank credit card issuance conditions for the unemployed
If you are unemployed, you must prove your income. I do not have earned income coming into the 4 major insurances, but I show that I have sufficient repayment ability even if I use a credit card by proving income such as having accumulated property, working as a freelancer, or receiving a pension.
In general, the conditions for issuing a credit card for the unemployed include proof of medical insurance coverage, proof of owning a home or car, and proof of a bank account. Please check the article below for details.
Find out the conditions for issuing credit cards for unemployed people
Find out the conditions for issuing credit cards for unemployed people
If you are unemployed, it is often difficult to obtain a loan or credit card. This is because banks and credit card companies place great importance on whether or not you are employed before issuing a card. However, because he is unemployed, he issued a credit card.
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In the case of Kookmin Bank, the conditions for issuing a credit card to an unemployed person are as follows:
– If you have real estate in your name
– If you have paid more than 30,000 won for local medical insurance for the last 3 months or more
– Kookmin Bank average balance over 500,000 won for 6 months
If one of the three conditions above is satisfied, even an unemployed person can issue a credit card. Real estate and local medical insurance conditions are realistically difficult to prepare right away. However, it is possible to prepare an average balance of 500,000 won for 6 months at Kookmin Bank.
Kookmin Bank average balance of 6 months or more means that the average amount of money in your Kookmin Bank account for 6 months exceeds 500,000 won. For example, if the total amount of money in January is 3 million won and 0 won from February to June, the total amount is 3 million won divided by 6, so it is 500,000 won for 6 months.
So, if you want to issue a Kookmin Bank credit card, please open a Kookmin Bank account and keep 500,000 won for 6 months.
2. How to apply for Kookmin Bank credit card
First, go to the Kookmin Card website. There are people who access the Kookmin Bank website here. Please access the Kookmin Card website, not the Kookmin Bank website. (Go to Kookmin Card website)
If you go all the way down the Kookmin Card homepage, you can make a reservation and open a branch office visit through e-mail consultation and chat consultation at the bottom. Alternatively, you can apply for a card by calling 1899-0077.
So far, we have learned how to get an unemployed Kookmin Bank credit card issued. I sincerely hope that you will have a strong economic life with a wise spending plan.