Credit cards provide their holder with convenient and inexpensive access to borrowed money. This is the reason for their widespread popularity. Plus, today their design has become extremely simple.
It is necessary
- - passport;
- - an additional document at the choice of the borrower.
Instructions
Step 1
The procedure for issuing credit cards is simpler than with a classic consumer loan. They do not require the registration of a pledge and the involvement of guarantors. But some banks have gone further and further simplified the procedure for obtaining a card. They offer registration without certificates and documents confirming income.
Step 2
A number of banks offer to issue a credit card using only two documents - a passport and any other of your choice. It can be a passport, driving license, car registration certificate, SNILS, a certificate of ownership of real estate, a copy of the employment certificate. You can choose the document that is easiest for you to provide.
Step 3
It is also extremely easy to get a credit card from the bank of which you are a client. In this case, the bank is already aware of your financial situation, therefore, only a passport is often enough for registration. Many banks give credit cards to those who pay the mortgage. It acts as a backup wallet for the borrower. It is also common for banks to make individual credit card offers with a pre-approved limit for their payroll clients.
Step 4
Which banks have the most loyal requirements for borrowers today? So, get a credit card with a limit of up to 300 thousand rubles. Today only with a passport it is possible at Renaissance Credit Bank ("Transparent Card"), Tinkoff ("Tinkoff Platinum"), Binbank ("Elixir Classic"). The possibility of obtaining a card under two documents without confirmation of income is possible in Uralsib, as well as in the Bank of Moscow ("Low interest"). In the latter case, income will be confirmed indirectly by providing a certificate of Title Deeds, a passport with a border control mark or an account statement.
Step 5
Please note that the provision of a minimum package of documents upon receipt of a credit card increases bank risks of non-repayment of borrowed funds. That is why the interest rates on these credit cards are higher and the credit limit is lower. Therefore, if you are counting on a higher credit limit and a lower interest rate, then you must provide a certificate of income.
