Any person can have unforeseen circumstances that require certain financial investments. It is at such a moment that a credit card issued with only two documents can come in handy. Obtaining a credit card under this program is quite simple, and quick registration allows you to get the required amount in the shortest possible time.
Documents required for registration
Of course, a passport is an obligatory document. As for the second document, then citizens are given a choice. This can be a driver's license, TCP, insurance policy, TIN, credit cards of another banking institution. It should be noted that the above documents are not required when issuing a credit card. The main document will always be the passport, while the second document can be chosen by the borrower himself.
Features of obtaining a credit card
It must be remembered that the quick receipt of the card means that not very favorable conditions will be provided. Therefore, excessive haste can lead to overpayments. However, if money is needed urgently, then you have to accept it.
Usually, such unfavorable conditions include a short period for the return of loan money and an inflated interest rate. But there are credit organizations that meet their clients halfway and allow them to deliver the necessary documents later. At the same time, borrowers draw up a credit card at a good percentage and can return the credit funds at a convenient time for themselves.
However, in order to issue a credit card on favorable terms, it is necessary, in addition to a passport, to bring a certificate of 2 personal income tax and a copy of the work book. Thus, it turns out that the more information the client provides, the more favorable the terms of lending will be for him.
Credit Cards: Advantages and Disadvantages
Of course, the main plus for the borrower in obtaining a credit card is the promptness of its registration and receipt. This is especially convenient for those who need money in the shortest possible time. But, as you know, for speed you will have to pay with a high interest rate. Therefore, before applying for a bank card, you should think carefully, in fact, you need money and it may be worth looking for another solution to the problem.
