Standard credit card from 20 years old

Everyone needs money. Since there is a crisis in the country, there are not enough of them. But the need for money does not decrease. Because people have to look for exits. And most often, unfortunately, this is a loan. In order to borrow money from a bank, a potential customer must meet a number of requirements. Usually this is the age, length of service, income statement. But what can young people do that have many of the problems listed above? For them, too, there is a way out. And this is a credit card. Since 20 years it is quite possible to get it.

On the conditions

Everyone knew that the main line of credit products was always available only from the age of 21. But then the demands were toughened and set a minimum age of 23 years. Which is logical: by this time you can definitely accumulate a working record. It even turns out for a person who got a job after graduating from university. Especially tough are the requirements for people who are interested in mortgages, long-term loans for buying a car or money for investment.

But there is also a credit card. With 20 years of it to get real. This applies to male clients, girls can apply to a bank or a credit institution and at 19 years of age. Also, the prospective cardholder must have at least one guarantor. You will also need a document, which is a confirmation of the financial solvency of the client. The certificate on the form 2 NDFL, the certificate on reception of pension, the grant, etc. will prove to be suitable. And the confirmation of the existence of the experience (at least 3-6 months).

Tinkoff

But now you can tell in more detail about where the credit card is issued from 20 years. The first bank worth noting is Tinkoff. It allows you to design a "Platinum" romance even remotely by sending an application via the Internet. And then it will be delivered by the courier directly to the client's house.

Limit on the card "Platinum" (payment system "Master Card") - 300 000 rubles. For annual maintenance, a person pays 590 rubles. A decision to approve the application is taken on the day of appeal. The interest rate is from 24.9 to 34.9 percent per annum. For the withdrawal of money, a commission of 2.9% is charged + 290 rubles from the top. Even for the owners of "Platinum" there is a grace period of 55 days (that is, no interest is accrued). And, most importantly, the minimum age for processing a card is 18 years.

Everything looks pretty attractive. But there are also some nuances. So, for example, immediately get a card with a limit of 300 000 rubles will be difficult. The bank will first install a ceiling of 4,000 rubles, then 10,000 rubles, and then 15,000 rubles. And it can be understood. The bank must know how solvent the customer is. And when he is convinced of this, the credit limit will be raised (at the request of a person).

"Alfa Bank"

This is another popular financial institution, in which a credit card is issued from 20 years. It is called "100 days without interest". And the main "highlight" of this credit card is the longest grace period. What, however, you can guess by looking at the name of the map.

The limit is 150,000 rubles, maintenance costs 1 290 rubles per year. The interest is rather high - from 26.99% to 33.99%. And the commission for withdrawing money is 6.9%. A person can make a credit card after reaching the age of 18. It is produced both without a chip and with it. By the way, there are cards that work not only on the "Master Card" system, but also on the "Visa".

The interest rate of the bank is high, but there is some nuance. And he consists in the following: the more information about himself will be provided by a person - the higher the probability of obtaining favorable conditions. And yet - to the received map a person can get three more. And there is an option to set separate limits for each of them.

Touch Bank

The European financial organization OTP Group is known for its remote bank called Touch Bank. And he offers his potential clients to issue a credit card from 20 years. And this idea is not bad. After processing the debit card and using it, a person will have an opportunity to use borrowed funds of a financial institution.

The limit is half a million rubles. Service is not necessary to pay, and the decision to issue is taken on the day of appeal. Even for withdrawal of funds from the card commission is not charged. Moreover, a client owning such a card can use an ATM in any country in our world.

By the way, the grace period lasts 61 days. And the interest rate starts from just 15.9% (the maximum is 36.9%). This is one of the most profitable offers on the Russian market. In addition, the system accrues bonuses to the client in an account of 9% on the balance.

Avangard

One can not but note the attention of this joint-stock commercial organization, talking about banks that issue credit cards. 20 years is not a minimum in the case of the "Vanguard". Here you can make an application in 19. The bank offers a customer card World Railbonus, paying which you can save miles, which then very profitable to spend on the purchase of rail and air tickets. The calculation is as follows: one mile = 30 rubles. And "Avangard" pleases its customers by charging thousands of miles once a year.

The limit of the card is half a million rubles, the service costs 1000 r / a year. The application is approved within 3-7 days from the moment of its submission. Annual interest varies from 21 to 30%. And the grace period is 50 days.

By the way, Avangard is one of the few banks in which a credit card from the age of 20 on a passport is a reality, not an invention. Even with 19, to be more precise. And no more documents are needed - just a passport. Ideal for students, especially for those who do not study in their native city - miles will not be superfluous. By the way, if the average monthly expenses of the client are 20 thousand rubles, then in the future he will be able to issue a Priority Pass card .

"Credit Bank of Moscow"

This is another organization that gives potential customers the opportunity to obtain a credit card. 20 years is not a problem. After all, in the "ICD" the established minimum age is the age of majority. That is 18 years.

The limit is 300 thousand rubles, maintenance costs 850 r / year. The interest rate varies from 24 to 33%. For the registration of a single card from the ICD only a passport is needed. The application can be submitted through the Internet or in the office of the bank. By the way, the above mentioned limit is the minimum. A person can determine it for himself. The status of "Classic" is a limit of 300 tons. "Gold" - 500 tons of r. A "Platinum" - 800 tons of r. From the selected status will depend on the cost of annual maintenance, and even percentage bonus accruals.

Even this credit card from 20 years without certificates gives its users other advantages. After the first purchase, 250 points are awarded. Then they, too, are piling up. 100 rubles is 7 points. The savings can be spent on the purchase of air tickets or on payment of the reservation at the hotel.

There are many advantages. But for such a wide range of nice features you need to pay your responsibility. One day of delay is 1% of the total debt.

The card from Gazprombank

This organization also makes interesting proposals for young people. She has her own credit cards. For 20 years, banks are considered to be a sufficient age for a person to use loan services.

It will take not only a passport of a citizen of the Russian Federation. A person wishing to issue a credit card must already be a customer of Gazprombank and receive a salary to an account established in this organization. Another person should not be in arrears if he previously borrowed.

There is a certain benefit in the credit card from Gazprombank. Its owner can participate in the bonus program of petrol stations. Each 20 rubles spent is 8 points. Savings can be spent on gas stations of Gazprom. And even there is a chance to arrange installments for anything. The interest rate of the credit card is 27.9% per annum, the annual service cost is 750 rubles. The limit is 200,000 rubles.

Sberbank: special conditions

Naturally, discussing such a topic, you can not forget about credit cards of the Savings Bank. 20 years is not the minimum age for a potential client of this financial institution. In Sberbank, you can apply to both 18 and 14. In the latter case, the minimum contribution is 1000 rubles. You can replenish it, and in any way. Money to take off - too, but only in the office.

Moreover, in "Sberbank" you can even take a loan from 18 years old, if you get a job already turned out. However, you will still need a guarantor in the form of a parent or guardian, as well as their certificates of income (other than their own).

How to get a credit card in Sberbank?

Despite the above-mentioned loyal conditions for young people, the card can be obtained from 21 years. Credit, not debit. Conditions favorable - a little more than 60 rubles per service per month. And the grace period is 50 days.

Limit - from 15 000 rubles, the card is valid for three years, and it can be issued by students who are not even arranged for work. In addition, for the writing-off of funds and purchases on the card bonuses are accrued, which can be paid for purchases, cafes, movie tickets, etc. In general, Sberbank, as the most reliable financial institution, offers the most favorable conditions and a lot of pleasant additions, Which, if desired, you can learn more.

Other options

In Russia, there are a lot of other financial institutions issuing credit cards to young people from 20, and even from 18 years. For example, the bank "Ak Bars". He offers a limit of 100,000 rubles, service for a year of 750 rubles, and an annual rate of 30.9%. The grace period is 56 days. A card is issued to all people who have reached the age of 18, when providing a passport (the minimum age is 18 years).

There is also Sovcombank. There you can draw up an instant card, which is called. The limit is very small - 30,000 rubles. The interest rate is 29.9% per annum, and the minimum age of the client should be 20 years (guys). Girls can use this service from the age of 18. Issue a card on the day of treatment, that is right away. No documents are needed - just a passport. And still need to be registered in the region where the bank branch is located.

Even better conditions are offered by "Metrobank". His youth credit card Smile is issued to all people of 18 years of age. Only they need to provide two valid documents. For example, a civil passport and driver's license, or "zagran". Guys must show a military ticket or a written ticket. The limit is 500 000 r, the service is free of charge. The interest rate is surprisingly small - 14-20% per annum. A grace period is 50 days.

As you can see, loan proposals for young people, even those who do not work, are mass. And listed above - it's not all their list yet.