With the help of bank plastic cards, you can carry out various operations: pay for goods in stores, make payments through an ATM or the Internet for cellular services, housing and communal services, digital television, withdraw funds.
Instructions
Step 1
To get a bank card, you first need to decide for what purposes you will use it. If you want to invest your money on a card at a certain percentage of income in the future, then you need to apply for a debit card. If you need a revolving loan, then you need a credit card. Both cards can be used for cashless payments in shops, on the Internet and at an ATM.
Step 2
The next step on the way to getting plastic for a loan or debit, the amount of commissions for maintaining an account, for withdrawing cash, annual maintenance and the amount of an interest-free grace period, a decision is made in favor of one or another credit institution.
Step 3
When you decide on the choice of a bank, you need to find out the conditions and requirements on which a plastic card is issued. They vary from one lending institution to another. As a rule, the borrower must be a citizen of the Russian Federation, fit into the age group from 21 to 65-70 years old, have a stable income of at least 9,000 rubles, work experience in the last place from 3-6 months and total work experience from 1 year.
Step 4
Then you can fill out an online application for a card on the Internet or contact a bank branch with a package of documents. Usually it includes: a passport of a citizen of the Russian Federation and one of the additional documents (TIN, international passport, military ID, driver's license or insurance certificate of the State Pension Fund). Also, at the discretion of the bank, additional documents may be required from you (2-NDFL certificate or income statement in the form of a bank, a copy of the work book certified by the employer). At the bank's office, you will need to fill out an application form for a plastic card.
Step 5
Adoption of a loan decision takes 3-5 working days in banks, plastic production takes 1-2 weeks. If a positive decision is made on your questionnaire, the bank employees will notify you by phone and inform you about which branch you need to pick up the card and receive a pin envelope for it. Whatever card you issue, you should always pay attention to the terms of service and repayment upon signing the terms of the card service agreement.
