Credit card today isuniversal tool that quickly and easily allows you to solve many financial issues. Every day, non-cash payments are becoming increasingly popular. Many banks decided to do everything possible in order to get such a privilege could anyone on excellent conditions. Let's try to figure out where to quickly issue a credit card, how to do it, what documents are required.
Why do banks make concessions
Еще несколько лет назад для того, чтобы получить credit card or loan, you had to go through a difficult process. It included the collection and preparation of documents that confirm income, the search for guarantors and long lines. Now everything is completely different.
When the question arises about where to drawcredit card without references, you just need to go online. Applications are now being submitted online, so it is possible to make it with a cup of hot coffee.
Почему процедура упростилась?Perhaps this has been spurred by growing competition among various financial institutions. In order to attract new customers and retain old banks, they are doing everything possible to ensure that their services are the most profitable and convenient.
Benefits of the service
It is hard to believe that there were representative offices of banks, where you can quickly issue a credit card without providing a huge number of documents. Consider the advantages of this service:
- It is not required to collect additional statements of income and other documents.
- No need to queue up. You can apply for a card online.
- Low interest rates.
- 24-hour customer service.
- Ability to withdraw money anywhere in the world.
- The minimum age at which you can use the service is 18 years.
If you are looking for where to quickly get a credit card, then study the offers of several banks and choose the most advantageous for you.
but on the other hand
It is known that there are no perfect goods and services.Their pitfalls can be found in any area, banks are no exception. It would seem that everything sounds so sweet, everywhere you can find tips on where to get a credit card quickly without any references. Yes, and give it to 18 years, guarantors are not necessary. Where is the catch?
The risks of the bank are great because workers do not knowwhether the client earns enough to repay the loan. The disadvantage of the card issuing service without intermediaries and references can be found only one, but significant. The level of trust in the client is low - this means that the bank will not be able to provide a large amount of money. Only small loans for specific needs, if there is an urgent need. In the event that a person repays the loan on time, his credit history begins to emerge. Over time, the trust grows, a person will be able to submit an application himself so that he can increase the possible credit limit.
If you are looking for where to quickly get a credit card, because a large amount of money is urgently needed, this service does not suit you.
The procedure for obtaining a credit card
It is very easy to get a card to any adult citizen of your country:
- You study the offers of banks and select the one where you can get a credit card on the most favorable terms.
- Fill out the application. There are two ways by which this is done - online or in the office of the selected bank.
- If the application has been completed online, the consultant will contact the client in the near future to confirm by phone the consent to issue the card and re-clarify the data.
- After the bank gives a positive answer, you will need to go to the office and pick up your card.
- It remains only to withdraw money for the necessary needs and repay the loan in time to maintain a good credit history.
Required documents
To issue a card, the bank needs customer data, an identification code. Submit only a passport and another additional proof of identity.
It is necessary to understand that the more information about the client will be presented, the higher the probability of receiving a larger amount of money on the card.
Additional papers
An additional document for issuing a credit card can be of two types:
- ID;
- testifying to a certain financial situation.
Possible documents:
- Foreign passport, in which there are marks that the person went abroad.
- Account statement of a deposit or card of another bank.
- Documents on the car. This may be insurance, law, technical passport.
- If you wish to obtain a larger credit limit, you can submit an income statement and a copy of the labor book.
- Health insurance policy.
- Some representative offices of banks are also considering utility bills in the name of a client.
Student Credit Cards
Where better to get a credit card for an 18 year old student? Consider popular offers.
- Tinkoff. The card is issued only on the passport, the application is considered on the day of treatment. The interest rate varies from 24.9 to 45.9%. The limit is 300 000 rubles.
- Promsvyazbank. Very interesting offer to receivedebit card. Cash back at 5% is a service intended for the purchase of goods of a certain category. With active use, card maintenance is free.
- MoneyMan. Заявка на получения займа на карту is considered on the day of appeal, you only need to submit a passport. MoneyMan is a great opportunity to get a loan quickly and easily. Cards of any banks are supported.
Credit cards for persons under 18 are nothave a large limit. The maximum amount presented is 150,000 rubles. If there is still a lot of time left before a scholarship or salary, and you are faced with unexpected expenses, then this amount will be quite enough. In addition, you will earn a good credit history, and then you will be able to take big loans if necessary.
Credit Cards for Seniors
Pensioners, if necessary, can also find several banks, where it is realistic to quickly issue a credit card without submitting an income statement:
- Tinkoff. Black Card is available to persons from 18 to 70 years.The interest rate varies from 25 to 45%. For registration will not need to visit the bank office. The application is completed online, after its approval by the courier brings the card to the house.
- "Russian standard". The interest rate is 29%. Available for persons from 25 to 65 years. The decision on extradition is made almost instantly. Then the client chooses - he will take the card or order the delivery by courier.
The best offers of banks
- "Tinkoff Platinum". Низкая процентная ставка, можно заказать доставку to the house by courier. The credit limit is 300,000 rubles. The advantage is the accrual of additional annual bonuses. Where they can be used, specified in the offices of the bank.
- "Sovereign Bank". To obtain a credit card, in addition to a passport, you must submit an additional document. The maximum term for processing an application is 7 days. Low interest rate, good grace period.
- "Yar Bank". The application is processed on the day of treatment. The minimum interest rate is 25%. The grace period is 55 days, only a passport is needed from the documents. The credit limit is large - 1,000,000 rubles.
- Alfamiles from Alfabank. Grace period - 2 months, minimumage threshold - 21 years. In the year maintenance costs about 2000 rubles. The limit is 150,000 rubles. With the active use of bonuses are calculated, which can be used for air travel.
If you urgently need a credit cardwithout income certificate, apply to several banks. Well study all offers. Do not forget: if there is a service to accrue bonuses for using a card, this is an added advantage.
