The process of issuing a credit card is not difficult. But it usually takes more time than in the case of a debit, and requires additional documents and often more time to make a decision.
It is necessary
- - passport;
- - documents confirming solvency (according to the bank's list, it may not be required);
- - an additional document from the list proposed by the bank (TIN assignment certificate, driver's license, PFR insurance certificate, foreign passport, military ID, certified copy of the work book, employment contract, etc.).
Instructions
Step 1
Select a bank and a specific loan product. There are several services on the Internet that allow you to compare the offers of various banks for free, see how much you will have to overpay in the end, evaluate various additional commissions, which credit institutions themselves, for obvious reasons, prefer not to talk about.
Step 2
Try to study the terms of the loan agreement, tariffs for the product of interest before contacting the bank. Some credit organizations have this information available on their websites. Find out all the unclear points by calling the bank's call center. And only if there are no doubts, apply for a card online or contact the employees of the selected credit institution.
Step 3
Collect the documents required to apply for a loan. At a minimum, your passport will be needed. Usually, proof of income and / or additional documents from the list offered by the bank are also required. But for many, a passport and a completed application are enough.
Step 4
Each bank has its own requirements for proof of income. Documents of ownership of real estate, a car, a VHI policy, a printout from a mobile operator, a passport with notes on travel to far abroad within a certain time can be accepted in this capacity. But most of all, a certificate on the 2NDFL form from an employer is credible.
Step 5
It may take some time to verify the information that you provide about yourself. Depending on the agreement with the bank's specialist, you will need to wait for his call with information about the decision taken or contact him within the agreed period.
Step 6
In case of a positive decision, you will be told the amount of the credit limit and will make an appointment or offer to visit the bank at a convenient time during the validity of your application (usually its term is limited by the internal rules of the credit institution) to complete the formalities.
Step 7
Before signing a loan agreement (for this you will have to visit the bank's office, and in some, a meeting with a loan officer in neutral territory or at your home or office is practiced), carefully read it, especially the notes and other small print. Ask for clarification of any unclear points.
If something does not suit you, it is better to look for a more suitable product in another bank.
Step 8
After signing the necessary papers, you will be told how you will receive the finished card (its production takes about a week). Most often, you will have to come to a bank branch for it, but some send them to customers by mail or even deliver them by courier. The received card, if necessary, will need to be activated in accordance with the instructions received from the bank or sent along with it.
