The steady rise in the cost of living increasingly leads Russian citizens to the need to take out consumer loans. This service is provided only to certain types of customers, and in order to receive a 100% credit card, it is important to meet certain criteria.
Conditions for obtaining credit cards
Most banks provide loans only to citizens over the age of 21. In some cases, the bar is lowered to 18 years. The attitude towards people over 65 is also rather ambiguous: the retirement age is considered quite risky for banking structures, which prefer to see completely healthy and able-bodied people among their clients.
Another important condition is the presence of an official place of work. At the same time, the period of employment in the current organization must be at least six months. In exceptional cases, credit cards are provided even with less seniority, however, bank representatives can contact the client's place of work to find out the attitude of the management towards him and the strength of his position.
The next criterion is that the applicant has expensive property that can be used as collateral for the loan. This includes real estate, cars, various equipment, etc. A significant amount in the bank account or long-term cooperation with the bank can also be a good help. In this case, credit organizations themselves often send their loyal customers pre-approved loan proposals.
Finally, attention is paid to the customer's credit history. If he had previously taken loans (in any banks) and successfully repaid them on time, without debts and fines, the chances of getting a new loan are quite high. In addition, at the time of applying for a new loan product, it is desirable that there are no outstanding loans, tax and other debts.
Guaranteed receipt of a credit card
If the above criteria are met, the client can apply to the bank to obtain a credit card in one of several ways: by visiting the organization in person, through a phone call to the hotline or via the website. Order in advance at work a certificate of income for the last 6-12 months (2-NDFL or in the form provided by the bank). After that, you can sign up for an interview with a bank representative.
Do not rush to agree with the first loan offer. Check out all currently existing financial products (better - in different banks), study interest rates and repayment terms. If both the client and the financial institution agree with the terms of the loan, the procedure for registration and signing of the loan agreement will begin. Most often, banks require additional life insurance for the client. If the client does not agree, this may lead to a refusal to issue a credit card, therefore it is better to comply with all the conditions of the organization, and in the future, within the next five days, issue a written waiver of insurance and other products "imposed" by banks.
