Where can I quickly issue a credit card without a certificate of income?

The credit card for today is the universal tool which quickly and without difficulty allows to solve many financial questions. With each passing day, non-cash payments are becoming more popular. Many banks decided to do everything possible to get such a privilege any interested person could on excellent terms. Let's try to figure out where to quickly issue a credit card, how to do it, what documents will be required.

Why banks make concessions

A few years ago, in order to get a credit card or a loan, it was necessary to go through a complicated process. It included the collection and preparation of documents that confirm income, search for sponsors and long lines. Now everything is completely different.

When there is a question about where it is possible to issue a credit card without references, you just need to go online. Applications are now being submitted online, so you can do this with a cup of hot coffee.

Why was the procedure simplified? Perhaps this was prompted by growing competition among various financial institutions. In order to attract new customers and keep the old banks doing everything possible to ensure that their services were the most beneficial and convenient.

Service advantages

It's hard to believe that there are bank representations where you can quickly issue a credit card without providing a huge number of documents. Consider the advantages of this service:

1. You do not need to collect additional income statements and other documents.
2. You do not need to stand in lines. You can apply for a card online.
3. Low interest rates.
4. 24-hour customer service.
5. The ability to withdraw money anywhere in the world.
6. The minimum age at which to use the service is 18 years.

If you are looking for where to quickly issue a credit card, then study the offers of several banks and choose the most profitable for yourself.

but on the other hand

It is known that there are no ideal goods and services. Its pitfalls can be found in any area, banks are no exception. It would seem that everything sounds so sweet, everywhere you can find clues where to issue a credit card quickly without any certificates. Moreover, they have been issuing it since the age of 18, there are no guarantors. Where is the catch?

The bank's risks are great, because employees do not know whether the client earns enough to repay the loan. The lack of a card issuance service without intermediaries and references can be found only one, but significant. The level of trust in the client is low - this means that the bank will not be able to provide a large amount of money. Only small loans for certain needs, if there is an urgent need. In the event that a person repays a loan on time, a credit history begins to loom. Over time, confidence grows, a person can already apply himself, so that he may be increased by a possible limit on loans.

If you are looking for where to quickly issue a credit card, because a large amount of money is urgently needed, this service does not suit you.

How to get a credit card

The card is very easy for any adult citizen of your country to get:

1. You study the offers of banks and choose the one where you can draw up a credit card on the most favorable terms.
2. Fill out the application. There are two ways in which it is done, either online or in the office of the selected bank.
3. If the application was completed online, a consultant will be contacted with the client in the near future to confirm by phone the consent for the issuance of the card and to re-specify the data.
4. After the bank gives a positive response, you will need to go to the office and pick up your card.
5. It remains only to withdraw money for necessary needs and in time to repay the loan in order to maintain a good credit history.

Required documents

To issue a card, the bank needs customer data, an identification code. Presenting only a passport and one additional document proving the identity are required.

It is necessary to understand that the more information about yourself the client presents, the higher the probability of obtaining a larger amount of money on the card.

Additional papers

An additional document for issuing a credit card can be of two types:

• Identity card;
• Indicating a certain financial situation.

Possible documents:

1. Foreign passport, in which there are notes that a person traveled abroad.
2. Statement of a deposit account or another bank's card.
3. Documents for the car. It can be insurance, rights, technical passport.
4. If you want to get a larger credit limit, you can submit a certificate of income and a copy of the workbook.
5. Health insurance policy.
6. Some representative offices of banks are also considering utility bills addressed to the client.

Student Credit Cards

Where is it better to issue a credit card to an 18-year-old student? Let's consider popular offers.

1. "Tinkoff". The card is issued only on the passport, the application is considered on the day of appeal. The interest rate varies from 24.9 to 45.9%. The limit is 300,000 rubles.
2. Promsvyazbank. A very interesting proposal for a debit card. Cash back in 5% is a service intended for the purchase of goods of a certain category. With active use, card maintenance is free.
3. MoneyMan. Application for a loan on the card is considered on the day of appeal, you only need to submit a passport. MoneyMan is a great opportunity to get a loan quickly and without problems. Cards of any banks are supported.

Credit cards for persons who have reached the age of 18 do not have a large limit. The maximum amount submitted is 150,000 rubles. If there is still a lot of time left before the scholarship or salary, and you are faced with unforeseen expenses, this amount will be quite enough. In addition, you will earn a good credit history, and then you can take large loans if necessary.

Credit cards for the elderly

Pensioners, if necessary, can also find several banks where it is quickly possible to issue a credit card without presenting a certificate of income, it is quite realistic:

1. "Tinkoff". The Black Card is available to people between 18 and 70 years of age. The interest rate varies from 25 to 45%. You do not need to visit the bank office for registration. The application is completed online, after its approval, the courier brings a card to the house.
2. "Russian standard". The interest rate is 29%. Available for people from 25 to 65 years. The decision to extradite is taken almost instantly. Then the customer chooses - he will pick up the card or order the delivery by courier.

Best offers of banks

1. "Tinkoff Platinum." Low interest rate, you can order delivery to the house by courier. The credit limit is 300,000 rubles. The advantage is the accrual of additional annual bonuses. Where they can be used, it is specified in the bank's representative offices.
2. "Sovereign Bank". To get a credit card, you need to submit an additional document. The maximum processing time for an application is 7 days. Low interest rate, good grace period.
3. "Yar Bank." The application is processed on the day of appeal. The minimum interest rate is 25%. Grace period - 55 days, from the documents you need only a passport. The credit limit is large - 1 000 000 rubles.
4. Alfamiles from Alfabank. The grace period is 2 months, the minimum age threshold is 21 years. A year the service costs about 2000 rubles. The limit is 150,000 rubles. With active use, bonuses are calculated which can be used for air travel.

If you urgently need to get a credit card without a certificate of income, apply to several banks. Well study all the suggestions. Do not forget: if there is a service for calculating bonuses for using the card, this is an additional advantage.