{"id":1334,"date":"2023-02-14T11:51:34","date_gmt":"2023-02-14T11:51:34","guid":{"rendered":"https:\/\/gulfweeks.com\/?p=1334"},"modified":"2023-02-14T11:51:34","modified_gmt":"2023-02-14T11:51:34","slug":"credit-card-in-uae-on-4000-salary","status":"publish","type":"post","link":"https:\/\/www.gulfweeks.com\/credit-card-in-uae-on-4000-salary\/","title":{"rendered":"Credit Card In UAE On 4000 Salary"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">A credit card minimum salary of 4,000 AED. Sounds too good to be true, right? Most banks in the UAE require a minimum of 5000 AED monthly income to provide you with a credit card.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">But what if your current job only yields 4000 AED a month? Should you give up? Well, not really. We\u2019ll show you what you can do to get a credit card with a minimum salary of 4000 AED.<\/span><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_63 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.gulfweeks.com\/credit-card-in-uae-on-4000-salary\/#UAE_Credit_Cards_An_Overview\" title=\"UAE Credit Cards: An Overview\">UAE Credit Cards: An Overview<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.gulfweeks.com\/credit-card-in-uae-on-4000-salary\/#The_Bottom_Line\" title=\"The Bottom Line\">The Bottom Line<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"UAE_Credit_Cards_An_Overview\"><\/span><span style=\"font-weight: 400;\">UAE Credit Cards: An Overview<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">According to <\/span><a href=\"http:\/\/www.salaryexplorer.com\/salary-survey.php?loc=227&amp;loctype=1#:~:text=How%20much%20money%20does%20a%20person%20working%20in%20United%20Arab%20Emirates%20make%3F\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">salary explorer<\/span><\/a><span style=\"font-weight: 400;\">, the average salary in the UAE hangs around 20,000 AED. However, the low side could go as low as 4000 AED.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Those who make 4000 AED a month may feel that all hope is lost, but it\u2019s not.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It won\u2019t be easy, and it might take some time, but it\u2019s possible to have a credit card with an average monthly income of 4,000 AED.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Applying for a credit card is easy. You\u2019ll need to provide certain information and documents to be <\/span><a href=\"https:\/\/www.bankbazaar.com\/credit-card-eligibility.html\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">eligible<\/span><\/a><span style=\"font-weight: 400;\"> for a credit card. The required documents may differ from bank to bank, but typically, you shouldn\u2019t have any issues there.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The problem comes during the approval step, where your request might get rejected because of the low income. We\u2019ll show you a few things you can do to fight that rejection.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h3><span style=\"font-weight: 400;\">Have a Good Credit History<\/span><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Your <\/span><a href=\"https:\/\/www.capitalone.com\/learn-grow\/money-management\/what-is-credit-history\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">credit history<\/span><\/a><span style=\"font-weight: 400;\"> is how you handle due payments.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For example, if you\u2019re known to delay payments and make excuses, your credit history will harm your chances of getting a credit card, even if your salary is above 4000 AED.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Re-organize your priorities and always pay any bills on time to keep your credit history in a good shape.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h3><span style=\"font-weight: 400;\">Clear Your Debts<\/span><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Being in debt doesn\u2019t necessarily mean owing someone money. It can mean that you\u2019re paying back a loan to an agency. It can also mean that you\u2019re still paying installments for a product you purchased.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you want to maximize your chances of getting a credit card with a 4,000 AED income, try to clear out everything you owe.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h3><span style=\"font-weight: 400;\">Try a Secure Credit Card<\/span><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Some banks allow you to apply for a <\/span><a href=\"https:\/\/www.investopedia.com\/terms\/s\/securedcard.asp\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">secure credit card<\/span><\/a><span style=\"font-weight: 400;\"> instead of the regular one. You see, the idea behind a credit card is that you pay for something you don\u2019t have money for and then pay the bank back later.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A secure credit card involves placing a deposit in the bank as extra assurance. That way, the bank can withdraw from that deposit if you\u2019re late on a payment.\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h3><span style=\"font-weight: 400;\">Try Having a Co-signer<\/span><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">When your application gets rejected because your credit or income is too low, then the bank thinks you\u2019re too risky to deal with.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">When that happens, consider <\/span><a href=\"https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-a-credit-card-cosigner-and-should-you-use-one\/#:~:text=Applying%20with%20a%20cosigner%20who%20has%20strong%20credit%20scores%20and%20a%20good%20repayment%20history%20could%20help%20you%20get%20a%20credit%20card%20because%20they%20agree%20to%20pick%20up%20the%20tab%20if%20you%20don%27t%20or%20can%27t%20pay\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">getting a co-signer<\/span><\/a><span style=\"font-weight: 400;\">. A co-signer is a person you know and trust who can use their high credit score to help you succeed in getting that credit card.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">That co-signer will provide the bank with their details and will agree to pick up the tab if you\u2019re late or unable to pay.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">That way, the bank will no longer deem you risky, and your application will have a better chance of being accepted.\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h3><span style=\"font-weight: 400;\">Find a Bank With credit card minimum salary 4000 AED<\/span><\/h3>\n<\/li>\n<\/ul>\n<figure id=\"attachment_1339\" aria-describedby=\"caption-attachment-1339\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-1339 size-full\" src=\"https:\/\/gulfweeks.com\/wp-content\/uploads\/2023\/02\/credit-card-minimum-salary-4000-aed.jpg\" alt=\"credit card minimum salary 4000 aed\" width=\"600\" height=\"400\" srcset=\"https:\/\/www.gulfweeks.com\/wp-content\/uploads\/2023\/02\/credit-card-minimum-salary-4000-aed.jpg 600w, https:\/\/www.gulfweeks.com\/wp-content\/uploads\/2023\/02\/credit-card-minimum-salary-4000-aed-300x200.jpg 300w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><figcaption id=\"caption-attachment-1339\" class=\"wp-caption-text\">credit card minimum salary 4000 aed<\/figcaption><\/figure>\n<p><span style=\"font-weight: 400;\">While most banks in the UAE require a minimum of 5,000 AED, t a few others might cut you some slack. Here are some of them:<\/span><\/p>\n<h4><strong>1. <a href=\"https:\/\/rakbank.ae\/wps\/portal\/retail-banking\" target=\"_blank\" rel=\"noopener\">RAKBANK<\/a><\/strong><\/h4>\n<p><span style=\"font-weight: 400;\">RAKBANK offers a variety of credit card services. You may acquire a credit card with a minimum salary of 4,000 AED.\u00a0<\/span><\/p>\n<h4><strong>2. <a href=\"https:\/\/www.ajmanbank.ae\/site\/\" target=\"_blank\" rel=\"noopener\">Ajman Bank<\/a>\u00a0<\/strong><\/h4>\n<p><span style=\"font-weight: 400;\">Most of the credit card applications in Ajman require a minimum of 5000 AED monthly income, but several applications of 4,000 AED were accepted. If you have a good credit score, you may give it a shot.\u00a0<\/span><\/p>\n<h4><strong>3. <a href=\"https:\/\/www.dib.ae\/\" target=\"_blank\" rel=\"noopener\">Dubai Islamic Bank<\/a>\u00a0<\/strong><\/h4>\n<p><span style=\"font-weight: 400;\">The Dubai Islamic Bank may allow you to get a credit card even if your monthly income is around 3,000 AED.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">However, your credit score should be exceptionally good, and you shouldn\u2019t owe money to anyone.\u00a0<\/span><\/p>\n<h4><strong>4. <a href=\"https:\/\/www.emiratesislamic.ae\/eng\/\" target=\"_blank\" rel=\"noopener\">Emirates Islamic Bank<\/a><\/strong><\/h4>\n<p><span style=\"font-weight: 400;\">Much like Ajman Bank, Emirates Islamic Bank gives out <a href=\"https:\/\/gulfweeks.com\/credit-card-in-uae-on-5000-salary\/\" target=\"_blank\" rel=\"noopener\">credit cards at 5,000 AED<\/a>. However, applications of 4,000 AED have better chances of being accepted here than in most other banks in the UAE.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Keep in mind that those four banks don\u2019t always accept credit card applications if your salary is 4,000 AED. The terms and conditions may change, so it\u2019s always a good idea to reach out to the bank before visiting.\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"The_Bottom_Line\"><\/span><span style=\"font-weight: 400;\">The Bottom Line<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">A credit card with a minimum salary of 4000 AED may be challenging, but it\u2019s not impossible.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Start by improving your credit score and clearing all your debts, then aim for banks like Dubai Islamic Bank and RAKBANK, who have better chances of accepting a credit card application for 4,000 AED a month.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If your application still doesn\u2019t get accepted, try having a co-signer with a good credit score, or apply for a secure credit card if the bank allows it.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>A credit card minimum salary of 4,000 AED. Sounds too good to be true, right? Most banks in the UAE require a minimum of 5000 AED monthly income to provide you with a credit card.\u00a0 But what if your current job only yields 4000 AED a month? Should you give up? Well, not really. We\u2019ll show you what you can do to get a credit card with a minimum salary of 4000 AED. UAE Credit Cards: An Overview According to salary explorer, the average salary in the UAE hangs around 20,000 AED. However, the low side could go as low\u2026<\/p>\n","protected":false},"author":1,"featured_media":1337,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2,3],"tags":[27,26],"blocksy_meta":{"styles_descriptor":{"styles":{"desktop":"","tablet":"","mobile":""},"google_fonts":[],"version":5}},"_links":{"self":[{"href":"https:\/\/www.gulfweeks.com\/wp-json\/wp\/v2\/posts\/1334"}],"collection":[{"href":"https:\/\/www.gulfweeks.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.gulfweeks.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.gulfweeks.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.gulfweeks.com\/wp-json\/wp\/v2\/comments?post=1334"}],"version-history":[{"count":4,"href":"https:\/\/www.gulfweeks.com\/wp-json\/wp\/v2\/posts\/1334\/revisions"}],"predecessor-version":[{"id":1340,"href":"https:\/\/www.gulfweeks.com\/wp-json\/wp\/v2\/posts\/1334\/revisions\/1340"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.gulfweeks.com\/wp-json\/wp\/v2\/media\/1337"}],"wp:attachment":[{"href":"https:\/\/www.gulfweeks.com\/wp-json\/wp\/v2\/media?parent=1334"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.gulfweeks.com\/wp-json\/wp\/v2\/categories?post=1334"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.gulfweeks.com\/wp-json\/wp\/v2\/tags?post=1334"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}