Today, credit cards are a simple and reliable means to always maintain your solvency. Having a financial reserve while abroad is doubly important. Credit cards of the "gold" level, in addition to the high limit of funds, have a number of valuable advantages. This includes lifelong health insurance, great discount offers, and most importantly - everywhere and always the holder of a Visa Gold card becomes a welcome client.
It is necessary
- - Identity document (passport);
- - Certificate of income in the form of 2-NDFL or in the free form of the employer;
- - A copy of the work book;
- - Application for the issue of a credit card;
- - Documents confirming ownership (if necessary);
- - Documents confirming other income (shares, bonds, securities, foundation documents);
- - Schedule of repayment of previously taken loans (if any).
Instructions
Step 1
Contact any licensed bank to request a Visa Gold credit card application form. It should be remembered that the gold line of cards of the Visa payment system is a kind of exclusive product that not every bank can provide. In order to reduce the time of searching for a suitable bank, it will not be superfluous to call several offices in advance and find out if they issue credit cards of the appropriate status.
Step 2
Collect the package of documents required to apply. This includes copies of a passport or identity document, a copy of a work book with a mark of the employer about the applicant's work to date, a certificate of income for the last six months. If at the time of filing the application, the applicant has not repaid the loan in another bank, then the schedule of repayment of the previously received loan should be attached to the package of documents.
Step 3
Supplement the package with documents proving the availability of additional income. These can be agreements on deposit accounts, the presence of founders' rights in a business, bonds, stocks and other sources.
Step 4
Fill out the bank's application, indicating all aspects of financial activities as accurately and correctly as possible. So, for questions about the minimum monthly expenses, you should not indicate underestimated data, since when checking the application, they may be recognized as inappropriate.
Step 5
Review the correct use of a credit card, paying particular attention to cases of card closure, late loan repayment and penalties. As you know, Visa Gold has a record credit limit of RUB 500,000. At the same time, the term of interest-free repayment is 60 days.
Step 6
Wait until the due time for consideration of the application. As a rule, it is no more than 3 days, after which you will receive a bank card at a bank branch.
