Today, credit cards are a fairly common thing. Many people actively take advantage of all the benefits they provide. The main advantages of credit cards are convenience and portability.
Instructions
Step 1
You can apply for a credit card in two ways. The first of them is a corporate one, when a salary card is issued to employees of an enterprise, in which the account crediting service is already included. The second way is individual design. In this case, you need to contact the bank yourself.
Step 2
When contacting the bank, find out the conditions for providing a credit card. Some of them issue a card based on a passport and tax identification number. Other banks require documents proving income and employment. As a rule, this is a certificate in the 2-NDFL form or on the bank's letterhead and a copy of the work book certified by the employer. In addition, you will need to write an application for a card with an indication of its type and account currency.
Step 3
After submitting a full package of documents to the bank, your application will be considered within three working days. In some banks, the processing time of the application may be shorter, but be sure to find out the value of the interest rate, you may have to pay more for the urgency. Visa Electron and Maestro / Cirrus cards are produced rather quickly (1-2 weeks). When producing other cards, the bank's security service carefully checks the identity of the potential client. When issuing credit cards, the level of income and credit history of the borrower must be checked, after which the card limit is set.
Step 4
Be sure to check the annual service charges and credit card fees. When funds are used, a negative balance arises on it, for which interest is accrued at the rate provided by the bank. If the negative balance exceeds the set limit, the card is blocked.
Step 5
Remember, there is currently another option for obtaining a credit card. You can send an application for a card via the Internet. To do this, go to the website of the bank you are interested in and find out if it provides such a service. If such a service is available, then just fill out the form and wait for the bank's decision.
