Payments using bank cards are firmly entrenched in the everyday life of Russians. Payment for goods and services, transfer of wages, account management via the Internet - this is not a complete list of opportunities provided by a plastic card. To get it, you need to make a minimum of effort.
It is necessary
- - passport;
- - international passport;
- - SNILS;
- - certificate of TIN assignment;
- - compulsory medical insurance policy;
- - documents for the car owned;
- - certificate of income in the form of 2-NDFL;
- - a policy of voluntary medical insurance.
Instructions
Step 1
First, decide which card you need: a credit card that provides you with bank funds, or a debit card for storing and using your own money.
Step 2
Choose a payment system: Visa, MasterCard, American Express, STB, etc. The most popular are Visa and MasterCard: they are accepted all over the world and have no fundamental differences. But keep in mind that Visa payments are made in US dollars, so it is more profitable to use it in the USA, Australia, Canada and Latin America, and you will need MasterCard cards in Europe and Africa, since they are converted into euros. If you like to travel around the world, for convenience, open the cards of both payment systems for your account.
Step 3
To apply for a debit card, study the offers of different banks: tariffs for production and maintenance, terms of use, validity periods, the possibility of calculating interest on the account balance, etc. You can find summary information on the website www.banki.ru.
Step 4
Having chosen a bank whose conditions satisfy your requirements, go to its website and submit an online application for the production of a card: indicate the type of card, payment system, your last name, first name, patronymic, passport data, place of residence, contact numbers, place of work. You can also come to the bank branch in person, fill out an application form and give it to the responsible specialist. When the card is ready, the bank staff will contact you, and you can get it by presenting your passport or other identity document.
Step 5
If you want to open a credit card, compare lending offers from different banks using consolidated Internet resources, for example, www.creditcardsonline.ru. Having chosen the appropriate conditions, click on the "Issue a card" button. The system will redirect you to the bank's website, where you can fill out an application and familiarize yourself with the list of required documents.
Step 6
To conclude a loan agreement, you will need a passport, as well as one of the following documents to choose from: - international passport; - SNILS; - certificate of TIN assignment; - compulsory medical insurance policy. form 2-NDFL or a voluntary health insurance policy, you can count on more favorable conditions for applying for a loan.
