A credit card is a modern tool to buy goods or pay for services. Often banks put forward a number of requirements for their borrowers, issuing loan funds in the loan. You must confirm your income or be employed for a certain time. Also, failures on the part of banking organizations are associated with a poor credit history of potential customers. But there are such unique offers on the market that are likely to be approved. A credit card without refusal by a financial institution is a fairly common occurrence. Let’s look at where you can get these cards, and find the best deals.
Requirements for borrowers
Clients who have already successfully repaid certain loans enjoy greater confidence in credit institutions. At the same time avoiding overdue debts, especially a long period (more than 3 months). Making a credit card without refusing such borrowers is somewhat easier.
Also, not very large amounts, up to 100–300 thousand rubles, can also be counted by those who have never processed loans, i.e., have a clean credit history. Many banks are willing to issue a loan only to customers who have formal employment in a period of not less than six months.
And also provided that the location of the work or registration coincides with the regional representation of the banking organization. But it is not always necessary to fulfill all these requirements. A credit for a card without refusal can be obtained from just two documents:
- Military ID, INN, pension certificate, driver’s license.
At the same time, you do not even have to confirm your income, to have official employment. The contract can be issued urgently, even with a bad history of lending. And all this in the official and large banks.
The borrower’s age is between 18 and 70 years old. And an indisputable advantage is enjoyed by customers who have a salary card in the selected bank. But about everything in more detail.
Of course, there is the option of obtaining a credit card without refusing all of the two documents. But these proposals will not always be profitable. Issuing a credit card without checking the borrower is a big risk for the bank. Therefore, in order to reduce potential losses, the banking organization sets high interest rates for such agreements. And the loan amount will be minimal.
Therefore, to get a loan without refusal, it is better to prepare a complete set of documents to meet the requirements of a financial institution. This is suitable for the category of borrowers that has formal employment and seniority.
In addition to the priority documents in the form of a passport and a second document, you will need to confirm your income. This can be done by providing the following references:
- Bank account statement for the last six months.
- Help from accounting in form 2-NDFL or on the model, which can provide the bank.
- Rental agreements and other official sources of income.
As well as the design of the card will be more likely to be available to those who prove their work experience by providing a copy of the work record certified by the employer, or a fixed-term employment contract.
This package of documents will allow you to apply for more favorable conditions for loans, as well as reduce the risk of refusal to issue credit cards to a minimum.
Situations can be of a different nature, and where to get a loan if there is no official place of work? In fact, for obtaining a credit card, this factor is not so significant. Banking organizations apply for loans and those who do not work.
Most often in this way you can get a card of the same name. This is an instant credit card, which is issued when a client contacts the department. Get this credit card literally within 15 minutes. Such an instant execution is due to the fact that banks issue credit cards without careful inspection of the borrower.
You can apply for such credit cards online through the official websites of banking companies. Consider a few suggestions for instant cards.
Bad credit history
Most often, banks are not ready to cooperate with borrowers due to the fact that potential customers have a damaged credit history. There are two options: either contact the more loyal companies once every three months, or apply for a small loan and successfully close it according to the payment schedule.