Where to quickly issue a credit card without references?
Registration of credit cards today offers almost every bank. This is very convenient, because if a person needed money, he can simply withdraw it at an ATM, and then return it at a convenient time. Many banks offer to use the service of interest-free repayment of the loan, if you managed to return the full amount within a month. The only question is where to quickly issue a credit card.
Convenience and mobility
A card is a big cash limit that can help out in different situations. If you want to buy something for yourself and you don’t have enough cash, there are no problems. Funds are simply withdrawn from the credit limit. This solves all financial issues and problems. You can order this service at any branch of the bank or via the Internet.
No time lost
If you are looking for where to quickly issue a credit card, then the easiest way to pay attention to the bank whose salary project you are.As a rule, an application for a card in this case is considered through an electronic application on the site. The application is processed literally within a few minutes, and the decision comes in the form of a message. Sometimes this procedure can take several days.
If a deposit is open
If you are looking for where to quickly issue a credit card, then go to the managers of the bank on whose account you have a deposit. In this case, the approach to your application will be the more loyal, the more the amount is stored in the account. The result will also depend on how long it has been open. This is proof of solvency, as well as a guarantee of a refund, albeit indirect, because the bank cannot withdraw money from your account to repay a loan without your consent. Therefore, if you plan to issue a card for the future, then try to prepare for this condition. Open a deposit and deduct a certain amount on it from each salary.
Without further ado
When a person is looking for where to quickly get a credit card, he will surely find offers from a number of banks to do so, providing only a passport. Here you can look for a catch, but this is normal practice.Without any references, you will be given a regular card, while gold and platinum will be issued with mandatory data verification.
Of course, going through the options of where to issue a credit card quickly without any references, you will notice that the available amounts are small. This is the policy of banks. There are a lot of people who need a small amount of money. Such transactions quickly close (loans, on average, up to six months), and the risks are relatively small.
If you have a criminal record, overdue loans, if you are not officially employed anywhere and you have children, you can not worry about where you can get a credit card quickly. Most likely, each bank will consider it reasonable to refuse. For each client, the financial institution must collect information, despite the fact that you will not require any certificates. Bank employees will take your permission to verify the data and make the necessary requests. After a couple of hours, the manager will have all the information about where you work, what is your marital status. Also, the specialist will receive data on your credit history.
Terms of opening a credit card
There are only two of them: the borrower must be from 22 to 60 years old, and he must live in the region where he wants to get a loan. Of course, it must be a citizen of the Russian Federation with a permanent residence permit. If you are already a client of one of the banks, then be sure to study his offers and conditions. Usually, with those who have already concluded deals, banks are ready to cooperate further on more favorable terms.
Usually the limit on the card does not exceed several tens of thousands of rubles. However, if you are a long-time and reliable client, then it can be increased to several hundred thousand.
Examine the contract
Even if you are looking for where to get a credit card urgently, do not rush to agree to the terms, first read all the clauses of the contract carefully. Today, almost every bank provides such a service, and most ask for a passport only. Perhaps the conditions of one will be much more interesting than others. Therefore, as if urgently needed money, do not rush to the decision.
Bank risks - high interest rates
It really is. If a person is looking for where to get a credit card without references and guarantors, it is possible that everything is not smooth with his documents.In this case, banks take on additional risks, which means that they will increase the interest rate, and the terms and amounts will be less. This rule is valid always and everywhere. As we have already said, a loan without a certificate does not mean that no one will check the data. If you enter incorrect information in the application, you are guaranteed to be refused.
Looking for better conditions
Only by trusting his client, the bank is ready to give him a loan on good terms. Same thing with the map. You can take care and collect the necessary documents in advance. It will only require proof of income, a fresh certificate from the place of work, you can get a certificate from the place of residence and no criminal record. In this case, you will certainly be offered more interesting conditions.
Which bank to contact?
In order to issue a credit card without collecting references and unnecessary questions, you can contact the following banks:
- "Avangard". Issued up to 50,000 rubles per hand, the rate - from 15%, grace period - 50 days. These are conditions for issuing a Visa Classic / MasterCard Standard card, all other options can be discussed with the manager.
- "Alfa Bank". Credit limit - up to 150,000 rubles, the rate from - 19%.The issue is free, from the second year the commission is 600 rubles.
- "Bank of Moscow". The maximum withdrawal from the card is 350,000 rubles, the rate is 19.9%. Issue and one year of use - no commission, then you have to pay 900 rubles per year for maintenance.
- Svyaznoy Bank. You are offered the Universal Choice 3000 card, the limit is up to 350,000 rubles, the rate starts at 17.9%, the card’s issue is free, from the second year it is 600 rubles.
Instead of conclusion
Lending today opens up great opportunities. The fact that yesterday was unavailable, today becomes your literally “by the command of the pike”. Things, trips, housing, repairs - no need to wait any longer and save money for years.
Before you take out a loan, you need to carefully weigh your financial capabilities and assess the risks. Today the amount of the monthly payment seems insignificant. And if someone from the family members loses their job? Losing the confidence of the bank is not so scary, the worst thing is the activity of collection offices, which will diligently seek a refund. This is not only a spoiled credit history and badly battered nerves, but also a lawsuit, which can later come up during employment.
A credit card is convenient in that it can be issued, but not to withdraw money from it. They will lie on the "rainy day", and you will be calmer. After all, if suddenly something happens, there is a "financial pillow." But you need to use it carefully.