Quickly where to get a credit card without income certificate?

Credit card today is a versatile tool that quickly and easily allows you to solve many financial issues. Every day non-cash payments are becoming increasingly popular. Many banks have decided to do everything possible in order to obtain this privilege was available for everyone in excellent conditions. Try to figure out where to quickly get the credit card, how to do it, what are the required documents.

Why banks make concessions

A few years ago in order to get a credit card or a loan, you had to go through a complicated process. It involved the collection and preparation of documents that confirm the income, search of guarantors and the length of the queue. Now everything is completely different.

When the question arises on where to get a credit card without references, you just need to go online. Applications now are submitted online, so you can do it with a Cup of hot coffee.

Why is the procedure simplified? Perhaps this has led a growing competition among various financial institutions. In order to attract new customers and retain the old banks are doing everything possible to ensure that their services were the most profitable and convenient.

Benefits

Hard to believe that there are representative offices of banks where you can quickly get a credit card without providing a huge amount of documents. Consider the advantages of this service:

1. Is Not required to collect additional income and other documents.
2. No need to stand in queues. An application for a card can be issued online.
3. Low interest rates.
4. Round the Clock service and customer support.
5. The Ability to withdraw money at any point of the globe.
6. The Minimum age at which you can make use of the service is 18 years.

If you are looking for where to quickly get the credit card, examine offers from several banks and choose the best for yourself.

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The flip side

It is Known that there are no ideal goods and services. Its pitfalls can be found in any sector, banks are no exception. Everything seemed to be so sweet sounds everywhere you can find hints where to get a credit card quickly without references. Yes, and give her 18 years of age, guarantors are not necessary. Where's the catch?

The Bank's Risks are high, because workers do not know enough of the client earns in order to pay off the loan. The lack of services the card without intermediaries and certificates can be found only one, but significant. The level of trust to the client with low – this means that a large amount of money for the Bank to provide you can't. Only small loans to specific needs, if needed. In that case, if the person repays the loan on time, it starts to emerge credit history. With time and trust, people will be able himself to apply that he increased a possible limit on loans.

If you are looking for where to quickly get the credit card because you urgently need a large sum of money, this service is not suitable.

Credit card

Map to get a very simple any adult citizen of the country.

1. Study offers of banks and select the one where you can get a credit card on the most favorable terms.
2. Fill the application form. There are two ways in which this is done, – online or in the office of the chosen Bank.
3. If the application were filled online in the near future with the client contacts the consultant to confirm by telephone consent to card issuance and re-check the data.
4. After the Bank will give a positive answer, you will need to come to the office and pick up your card.
5. We can only withdraw money for necessary needs and the time to repay the loan to maintain a good credit history.

Required documents

For card issuing Bank requires the customer's data identification code. Required to submit only a passport and one additional document proving the identity.

You Must understand that the more information the customer will present, the higher the probability of obtaining a larger amount of money at stake.

More papers

Additional document for issuing credit cards can be of two types:

• Identity;
• Indicating a certain financial position.

Available documents:

1. Passport which has a stamp that a person has traveled abroad.
2. Bank statement Deposit or another Bank card.
3. Documents on the car. It can be insurance, rights, technical certificate.
4. If you wish to get a larger credit limit you can submit a certificate of income and a copy of the work book.
5. Health insurance.
6. Some of the representations of the banks also consider account of payment of utilities on behalf of the customer.

Student credit cards

Where to get a credit card 18-year-old student? Consider bargains.

1. "Tinkoff". the Card is issued only on the passport, application is processed on the same day. The interest rate varies from 24.9 points to 45.9%. The limit is 300 000 rubles.
2. Practices. a Very interesting offer to receive a debit card. Cash back 5% is intended for acquisition of goods of a certain category. The active use of the card service is free.
3. MoneyMan. Application for loan on the map is considered on the same day, you need to submit only a passport. MoneyMan is a great opportunity to quickly and easily get a loan. Supported cards of any Bank.

Credit cards for persons under the age of 18 do not have a large limit. Present the maximum amount - 150 000 rubles. If scholarships or salaries were still a lot of time, and you are faced with unexpected expenses, this amount would be sufficient. In addition, you will earn a good credit history, and then will be able to take if necessary a large loan.

Credit cards for seniors

Pensioners, if necessary, can also find a few banks, where to get a credit card without having to submit an income statement, is quite real:

1. "Tinkoff". Card, the Black Card is available to persons 18 to 70 years. The rate of interest varies from 25 to 45%. For registration do not need to visit the Bank's office. Complete the online application, after approval the courier will deliver the card at home.
2. "Russian standard". the Interest rate is 29%. Available for persons aged 25 to 65 years. The decision on extradition is taken almost instantly. Then the client chooses – himself he'll take the card or order the delivery by courier.

Best banks

1. "Tinkoff platinum". Low interest rate can arrange home delivery by courier. The credit limit is 300 000 rubles. Advantage – the accrual of additional annual bonuses. Where they can be used, specified in the Bank offices.
2. "Sovereign Bank". For credit cards in addition to passports need to submit an additional document. The maximum period of processing the application – 7 days. Low interest rate, good grace period.
3. "Yar Bank". the Request is being processed on the same day. Minimum interest rate – 25%. Grace period-55 days, from documents need only a passport. The credit limit is large – 1 000 000 rubles.
4. Alfamiles from "Alfa-Bank". Grace period – 2 months minimum age limit-21 years. In the year service costs about 2000 rubles. Limit – 150 000. With the active use of the bonuses that you can use when you travel.

If you urgently need to get a credit card without income certificate, submit applications to several banks. Well review all proposals. Don't forget: if there is a service bonus for using the card, it is an additional advantage.