On the websites of many banks, you can make a preliminary application for a credit card. But even if the bank of your choice provides such an opportunity, in order to issue a card, in most cases you will have to visit its branch or meet with a credit manager in neutral territory to sign an agreement. It is in your best interest to study it carefully before signing.
It is necessary
- - a computer;
- - access to the Internet;
- - passport;
- - documents confirming income (not in all cases);
- - one of the additional documents from the list offered by the bank (driver's license, passport, TIN, military ID, etc.).
Instructions
Step 1
Before filling out the questionnaire on the bank's website, carefully study the conditions for granting a loan and all related fees. This information is often available on the bank's website. Various online loan calculators are also useful. For example, on the site Sravn.ru or the agency "RosBusinessConsulting". They allow you to see how much you will have to overpay in total for a specific product of a particular bank.
If you do not understand something, call the bank's call center and ask your questions. Ask the employees of the lending institution to tell you the effective interest rate on the loan. In some cases, it differs at times from the declared one due to many hidden fees.
Step 2
Find out the list of required documents. Many banks in terms of income take the client's word for it, based on the general situation on the labor market in the region and information about the sources of income indicated in the questionnaire by the borrower himself. But there are those who need confirmation of earnings. The most trustworthy is a certificate from the employer in the form of 2NDFL. But a document in the form of a bank is also accepted.
A passport is required. Often, a second document is also required, for example, a passport, a certificate of assignment of a TIN, a certificate of state pension insurance, a driver's license, a military ID, or another. The complete list of possible options depends on the specific bank.
Step 3
Read the loan agreement carefully before signing it. Take a close look at everything in the small print and the various footnotes. Ask the bank employees to explain to you everything that is not clear.
Until the document is signed by you, it is not too late to change your mind. Later, you can close the card, while there is no debt on it, at any time, but usually this comes with some costs. You will have to pay at least a commission for the issue and annual maintenance of the card.
If everything suits you, sign the contract and wait for your card to be ready. Its production time usually takes about a week. Most banks issue a ready-made card to the client during a personal visit. But there are also those who send them by mail or even deliver them for a fee by courier.
