Until recently, only wealthy people had credit cards in Russia and were considered a sign of good prosperity. However, today almost anyone can start their own credit card. The most common cards are VISA and MasterCard; they are issued by all Russian banks.
Instructions
Step 1
Explore the offers of all banks available to you for issuing plastic credit cards. Pay special attention to the interest rate, as well as the size of the one-time commission, service fees and other mandatory payments. Take a calculator and calculate how much it will cost you to open a card, and how much interest you will have to pay monthly.
Step 2
Try to find a bank that issues credit cards with the maximum grace period. As a rule, this is a certain number of days during which you can return the withdrawn amount to the card without interest. In many banks, this grace period is 50 days or more.
Step 3
Contact the bank of your choice and specify what documents you will need to provide for a credit card. As a rule, a passport is required, a certificate from work in the form of 2 personal income tax on wages for the last six months. If the bank works with your organization on a salary project, that is, you already have a plastic salary card of this particular bank, be sure to inform about this when you apply for a credit card.
Step 4
Make an appointment with a bank employee and write an application (you will be given a form), and also fill out a questionnaire in which you will need to indicate your average income, main expenses, the number of dependents, and so on. Please note that your data will be checked by the bank's security service, and you will also be asked to sign a paper that you do not mind submitting information about yourself to the nationwide Credit Bureau.
Step 5
After visiting the bank, a security officer may call you and ask additional questions about your credit history. Also, bank specialists can call with verification calls to your work or home. Based on the documents you submitted and these calls, the bank will make a decision to issue you a card and the maximum amount on it. If the decision is positive, you will be asked to come to the bank office to sign a credit card agreement and get it in your hands.
