Nowadays, a plastic card plays an essential role in organizing the finances of most of the inhabitants of Russia. With the help of a plastic card, you can pay in stores, pay for utility bills and telephone services through ATMs, purchase goods on the Internet and transfer cash to your bank account.
Instructions
Step 1
Decide for what purposes you need a plastic card. If you use a plastic card to transfer funds to the bank at a certain income percentage, then you should apply for a debit card. If you want to get a revolving loan, then you need to get a credit card. These two types of cards have similar functions - they can be used for payments in a store, ATM and when paying for goods or services on the Internet.
Step 2
Select the bank in which you will issue your plastic card. Check out the interest rates that the bank charges for a loan or debit, the size of the commission for servicing a bank account. Make a decision about choosing a credit institution only after you fully understand all the points of service of your future card that are important to you.
Step 3
Find out the requirements and conditions for issuing a plastic card in the bank of your choice. As a rule, according to the requirements put forward by the bank, a person planning to get a plastic card must be a citizen of the Russian Federation aged 21 to 70 years. In addition, the client must have a stable income of at least 9,000 rubles per month and a total labor soot of at least 1 year.
Step 4
Contact the nearest bank branch with documents prepared in advance (passport of a citizen of the Russian Federation and another document proving your identity). In some banks, you may also be asked to present other documents, for example, a copy of a work record book or an income statement in the form of a bank.
Step 5
Fill out an application and a form for obtaining a plastic card at the bank's office. If you have any difficulties when filling out the document, do not hesitate to contact the bank employees for help.
Step 6
Receive by mail or telephone a notification from the bank that a decision has been made on your application. As a rule, the decision is made by the bank in 2-3 working days, and the plastic card is produced within 1-2 weeks. If a positive decision was made on your application, then you just have to come to the bank after 2 weeks and get your plastic card.
