How to apply for a credit card with your passport online with an instant decision and where to order without inquiries

Hello dear readers of Rich Pro! Today we’ll talk about credit cards - what is it and how to use it, where you can get a credit card with your passport with instant decision online without any income statements and almost no refusal.

Also in the article are given advice how to order and get a bad credit card. And at the end of the publication, we respond to the most popular the questions.

Anyone who already uses a credit card or just plans to acquire it should study the submitted article. How to do it as profitably as possible, read it now!

What is a credit card; Is it possible to get a credit card without income statement (only by passport) without refusal; which bank is better to take (issue) a credit card online with an instant solution - you will find out in this issue

1. Credit card (credit card) - what is it and what types of credit cards are

Today credit cards (unlimited credit cards)almost everyone has it. This financial tool helps to solve financial difficulties. However, for the effective use of credit cards, it is important to understand all the intricacies of its functioning.

1.1. What is a credit card - an overview of the concept in simple words

First of all, you should understand what a credit card is.

Credit Card - This is a plastic card with an established credit limit, drawn up by the bank.

In case of insufficient funds, the owner of the credit card can use borrowed money to pay for goods and services. The product in question has already supplanted traditional financial markets. consumer loans.

1.2. Types of credit cards - classification by type, type of payment system and benefits

Credit cards are represented by a huge number of types. They are classified according to various characteristics. The following are the most popular classifications.

1) By type

By type of credit card are divided depending on the number of degrees of protection:

Standard. Included in their structure magnetic stripresponsible for storing information. It is the strip that allows readers to access accounts tied to the card. This species is the most common on the market;
Chip cards in addition to the magnetic strip include microprocessor. It is capable of storing tens of times more data than a strip. Such cards allow you to process and save information about your bank account. Chip credit cards are considered the most protected from fraud.

2) By payment system

Allocate 2 type of payment systems: international and local. The most popular international payment systems are Visa, MasterCard, American Express.

Local Russian payment systems include:

Sbercart - issued exclusively at the offices of Sberbank, serviced by Sberbank and its partners (existing from 1993 to 2012);
Peace - Russian payment system.

The higher the level of the payment system that issued a credit card, the more retail outlets and ATMs accept it. Often the type of payment system does not affect the fees charged.

3) By the level of services provided by the card

By the level of services provided by credit card and, accordingly, the benefits they are:

Classic. Such cards provide a standard list of services, traditional services and a standard credit line. Such credit cards are issued to all applicants;
Gold cards. According to them, banks provide customers with increased credit limit. In addition, they suggest more comfortable conditions of service, as well as special offers when paying for goods and services;
Platinum credit cards considered privileged. They emphasize the highest status of their owner. Holders of such credit cards have the right to apply for additional services, various discounts and other privileges.
Cobranding cards issued by the bank together with partner companies. In most cases, this airlines and trading networks. On such cards are additionally provided bonus programs. Any settlements in partner companies lead to the accrual of bonus points that the cardholder has the right to spend on various additional benefits.

For credit cards to be most effective, it’s important to clearly understand what it is. The right choice of the type of cards issued is also of great importance.

Is it possible to issue a credit card only with a passport with an instant decision (on the day of contact) without refusals and any inquiries - you will learn further

2. Passport credit cards with instant decision without failure and with a bad history - myth or reality?

Today in the financial market there is a situation of fierce competition. This, combined with a prolonged crisis, forces banks to enter the battle for each client. As a result, the procedure for obtaining credit cards has been greatly simplified.

In order to attract the maximum number of customers, banks take on additional risks. They lend money without requiring proof of income and additional security. However, one should not think that banks issue credit cards to absolutely everyone without verification. Financial companies cannot take on too high risks.

Security always checks applicant solvencywho wants to become the owner of a credit card. Also compulsorily specified and credit history potential borrower. For this, the bank has enough passport data of the client.

The questionnaire filled out to receive a credit card provides indirect information about the level of solvency of the future borrower.

Even with the approval of the application, the quick issuance of credit cards does not allow the borrower to count on the maximum credit limit. He will significantly lessthan with traditional design with the provision of a full package of documents.

But you should keep in mind the guarantee of a positive decision. no one provides.

The main features of express credit cards that distinguish them from traditional ones are:

reduced security level;
absence of the name of the owner on a bank card.

Among the advantages of express credit cards, experts distinguish the following:

high speed of filing an application and making a decision on it - usually it takes no more 15 minutes
release of plastic credit card carrier on the day of treatment - Some banks do this within half an hour after making a positive decision;
minimum package of necessary documents;
low cost of annual maintenance;
the presence of a grace period;
quick access to borrowed funds.

It is difficult to judge the level of interest rates on instant credit cards. They are determined solely by the bank that issued the loan.

However, keep in mind which in most cases the rate for express credit cards is higher than for classic ones. It is the increase in fees for the use of borrowed funds that allows banks to reduce risks, which are significantly higher in the absence of a thorough check of a potential borrower.

Experts recommend issuing instant credit cards only in extreme cases. These may be the following situations:

urgent need for cash;
lack of ability to provide income statements.

If you still need a credit card not urgently, the borrower should wait a few days. This will allow you to get a traditional registered credit card, loans for which are provided on more loyal terms. In this case, you can count on reduced interest rate, as well as high security.

At the same time, it is not necessary to present a large number of documents when applying for a classic credit card. Some banks also issue such credit cards. one passport. This is especially true for applicants who have been served for a long time at a particular credit institution.

Instant credit cards are traditionally issued in the following formats:

Electron
Instant issue;

Such bank cards have their own limitations. Refers to them reduced protection, they do not print information about the owner. In addition, some of them do not provide the ability to pay for purchases. online.

However, all these shortcomings are more than covered by important advantage - Instant credit cards are issued very quickly, in most cases it takes no more than a quarter of an hour.

Blanks of credit cards with a magnetic strip, intended for instant issuance, are always at the offices of banks involved in such lending. It is these cards that are used to issue by sending by mail or via courier. To receive and activate such a credit card, there is no need to visit a bank branch.

Important to understand what credit card issued without proof of income, in most cases it has less favorable conditions than traditional. Nevertheless, such a tool is always popular.
This is due to the fact that express credit cards allow quickly to borrow money even to those who do not have official income. True, in this case, one of the determining factors for a positive decision is quality credit history.

To use the instant credit card most effectively, do not forget that the money stored on it belongs to the bank. Therefore, in most cases you have to pay for using them.

What is the difference between a regular credit card and a card that was issued without information or guarantors

3. How is a credit card without income statements different from a regular one?

Many people know that to get a credit card it is far from always necessary to confirm income. But not everyone understands how such a credit card differs from a traditional one. The main difference is the size of the credit limit provided by the bank.

If an income statement is not required when applying for a credit card, you can only rely on the minimum limit. This approach allows banks to reduce their risks. If the borrower who has not confirmed the income cannot repay the debt, the losses for the bank will be insignificant.

Market average minimum credit limit on cards is in the range from 5 000 before 10 000 rubles. However, do not be upset ahead of time. With high-quality debt servicing, that is, timely payment of monthly payments, as well as commissions, you can eventually expect a significant increase in the credit limit.

The purpose of the income statement is that it allows you to correctly assess the solvency of the future borrower. If a credit card is issued without providing such a document, the bank seeks to minimize the risk of non-repayment in various ways.

That is why credit cards issued without a certificate of income, characterized by the following disadvantages:

increased rate - Compared to classic credit cards, the percentage can be increased;
low probability of approval - not every applicant is given a positive decision by the banks in the absence of a statement of income;
minimum credit limit - it’s impossible to immediately get a sufficiently large amount on such credit cards;
low status of card product - draw up a status card (gold or platinum), without confirming the level of income, it is unlikely to succeed.

Another significant disadvantage credit cards without proof of income is low security. Most often, instant plastic cards that do not have a chip are used as instant cards. For reading information, only the magnetic strip is used. Moreover, sometimes such credit cards do not allow online settlements.

Meanwhile, cards without salary certificates have a serious advantagewhich consists in high speed clearance. It is achieved due to the absence of the need to order a certificate of income from the employer. In this case, you do not have to wait for her, as well as spend time preparing other documents.

But do not forget that quick clearance is a relative advantage. There is a universal rule in lending: the easier it is to borrow money, the more stringent the conditions will be.
However, when money is needed urgently, borrowers are ready to endure some inconvenience, for example, an increased rate.

As a rule, the issuance of a credit card, issued only by passport, is carried outon the day of application. Moreover, in some cases a credit card is issued alreadyhalf an hour after treatment.

In this way, credit cards without information in most cases are less profitable than classic ones. However, they are often the only way to borrow money urgently.

Moreover, the conditions in microfinance organizations are even more stringent. That is why this financial instrument remains quite popular.

Step-by-step guide on how to get a credit card online and get a credit card online

4. How to order a credit card online via the Internet - step by step instructions

Getting a credit card is much easier than getting a traditional loan. Some banks issue credit cards without proof of income upon presentation of one passport.

However, it should be understood that the limit on the card is ten times smaller⇓ than the amount of a consumer loan.
The maximum that you can get with a credit card - about 300,000 rubles. Only regular customers of the bank, to whom the financial institution is most loyal, can count on such a limit.

The card limit is set as a result of an agreement between the borrower and the lender. Banks determine the maximum possible, but for each client the credit limit is determined individually.

Before you get a credit card, it is important to carefully analyze your own financial capabilities. You should understand how disciplined you are and whether you can make payments on time.

If you have confidence in this, you can proceed to the process of obtaining a credit card. The basic steps that will have to be taken to do this are described below.

Step 1. Choosing a credit institution and type of card

The variety of credit cards offered in the financial market is determined by the high level of competition. Banks develop independent offers that help attract their own customers.

To increase the competitiveness of banks, the following measures are used:

delivery to a convenient address;
double-sided cards that combine credit and debit;
increased grace period;
credit cards without income statements, without a fee for issuing and servicing.

Such a variety of credit cards forces borrowers to conduct a thorough analysis of programs. Do not make a choice rashly. Important to remember: the easier it is to get a credit card, the less favorable the conditions for it.

Quick clearance often leads to a deterioration in loan parameters. Usually, express bank cards give out unnamed bank cards with enough low credit limit. In addition, for the use of funds in this case you have to pay enough high interest.

When choosing a bank, you should first contact a credit institution, on the cards of which salaries are accrued or whose services the borrower regularly uses. In this case, you can count on a larger limit, as well as a high design speed. However, credit card terms should also be considered in this case.

Some banks are developing special offers for certain categories of citizens. It can be credit cards for travelers, retirees, shoppers and other groups of people.

In fact, such cards are exclusively a promotion. However, they are worth paying attention to. If the benefits offered by the program are suitable for a particular client, you should use them. This can significantly increase the benefits of using a credit card.

In addition to choosing a bank and a loan program, it is important to decide which payment system card to use. This is especially important for those who plan to use it abroad.

If the borrower regularly visits Europe, the card will suit him Mastercard;
If the owner of the credit card plans to travel to America, he should prefer a payment system Visa.

Step 2. Filling out an online application

To fill out a credit card application, it is not necessary to visit the bank office. Today, almost all financial companies allow you to send it directly to your own site (in the "online" mode). To do this, just fill out a short form. It contains basic information about the future borrower.

The standard form of the questionnaire does not exist, therefore, in different credit organizations, they can differ significantly. However, there are a number of data that are required:

Full Name;
passport data;
registration and residence address;
information on employment and income.

To fill out the questionnaire you will need no more than 15 minutes. When it is sent, the employees of the credit organization begin to consider the submitted application.

When applying for a credit card, the bank is not interested in obtaining a loan. However, credit history checks are mandatory. Other information is also verified.

therefore experts recommend indicate in the questionnaire only reliable information. The creditor will know the truth anyway. If it becomes clear that the future borrower was providing false information, the application will practically guarantee a refusal.

It's important to know, that you can fill out a credit card application not only on the bank’s website, but also on special resources. Such Internet portals are a kind of exchange, which brings together a large number of lenders.
The use of these resources is ideal for those borrowers whose credit history has previously been damaged. Application for a credit card through such an exchange increases the chances of a positive decision.

Each bank independently decides which citizens it wants to see as borrowers. However, there are a number of requirements that all lenders make to applicants.

A prospective borrower must meet the following criteria:

age must be in the range from 18 before 65 years;
income must be official and be no less 15 000 rubleshowever, for some banks, a salary of enough 8 000 rubles;
registrationin most cases required constant in the region where the bank is located (some credit organizations may temporary residence);
minimum limit applies work experience in last place, most often it should be not less than six months.

In some cases, after sending the questionnaire to the creditor, the bank employee contacts the potential borrower and clarifies a number of information. When the considered step is completed, it remains only to wait for a solution.

Step 3. Bank response and credit card issuance

The security service of the lender considers the submitted applications meticulously enough. The less the bank trusts the future borrower, the lower the limit you can count on.

Important to understand that activation of a credit card received through a courier or by mail automatically implies acceptance of the loan agreement. Many customers do not take this into account, they do not even study the conditions of the offer.
The result of such haste in most cases is the rash use of borrowed funds. As a result, the amount of debt for such customers may be unbearable.

However, a lack of understanding and ignorance of the terms of the contract does not exempt from the loan obligations. That's why experts do not get tired of reminding: read the terms of the contract even when applying for a credit card should required.

After studying such an agreement, many borrowers completely refuse to use a credit card limit.

When studying a contract, it is important to pay attention to the following nuances:

calculation method and amount of obligatory payment;
availability and conditions of the grace period;
the size of additional commissions, as well as the rules for their calculation.

Worth remembering that some lenders still bring important information to notes and print in small print. In order not to get into an unpleasant situation, the contract should be studied from beginning to end.

When all 3 steps will be passed, the borrower will be able to use a credit card for their own needs.

Exactly following the step-by-step instructions presented above allows you not only to reduce the time for issuing a credit card, but also to avoid the unpleasant consequences of its use.

Which bank is more profitable to get a credit card online and where you can get a credit card without income certificate - see our review of the best credit organizations

5. Where can I get (issue) a credit card online with an instant solution without inquiries and guarantors - an overview of the TOP-5 banks

So, they wondered - In which bank can I get a credit card on favorable terms? Studying a large number of offers on credit cards, as well as comparing them to choose the best one, can be difficult. Specialists advise resort to the help of ratings compiled by professionals. One of them is presented below.

1) Tinkoff Bank

Tinkoff is a unique bank. This is the only lending institution in Russia that operates completely remotely. There are no branches in the traditional sense.

Application for a credit card is made out in online mode. The decision is made within a few minutes. After a positive decision, the plastic will bring the courier to a convenient address, or send it by mail.

By most popular credit card Tinkoff Platinum The following conditions apply:

maximum credit limit reaches 300 000 rubles;
the grace period during which interest is not charged is 55 days;
there is no commission for issuing a card;
at the end of the interest-free period, the rate is set at 15% per annum;
annual maintenance cost is 590 rubles.

2) Installment card from Sovcombank

Sovcombank offers to get a credit card without documentary evidence of solvency. There are other principles for evaluating potential borrowers.

Experts recommend paying attention to a relatively new loan product from Sovcombank - Halva installment card.

Halva card has a number of distinctive features:

it allows you to pay for purchased goods and services only with partners of the bank;
interest for a certain installment period will not be charged. In this case, the borrower returns only the amount that he spent, dividing it into a certain number of parts.

Do not think that the Halva installment card is not widely accepted. To date, the number of outlets where you can pay with it exceeds fifteen thousand.

Types of goods and services are represented in partners quite widely. Halvah can pay off as food, household appliancesand for the trip.

The main parameters of loans on such a card are as follows:

spending limit before 350 000 rubles;
installment duration from 2 before 12 months;
free registration and service;
action throughout Russia.

3) Alfa Bank

Alfa Bank offers its customers a huge number of types of credit cards. Here are developed offers for borrowers with different levels of solvency.

If desired, you can issue instant, classical, as well as elite credit card. For customers receiving wages on the cards of the bank in question, preferential terms are provided.

Alfa-Bank has developed a new unique tool - Twins. It is a double-sided plastic that combines a debit and a credit card.

The conditions for such a credit card are as follows:

maximum limit 500 000 rubles;
grace period before 100 days, which is more than in many other Russian banks;
the ability to receive cash without commission;
the interest-free period is valid, including for funds received in cash, and not only for non-cash payments.

4) Raiffeisenbank

Borrowers Raiffeisenbank get the opportunity to issue one of several types of credit cards designed for different purposes.

You can fill out an application for registration on the bank's website. This will require no more 10 minutes. Decisions on applications sent to the bank are taken instantly.

Experts believe that the following proposals deserve special attention at Raiffeisenbank:

plus purchases - This is a credit card that provides for the absence of a commission for services provided that it is actively used;
cash - a credit card for receiving cash without charging a commission;
gold - Suitable primarily for those who travel regularly;
all at once - A universal credit card that can be used for various purposes.

5) VTB Bank of Moscow

VTB Bank of Moscow invites customers to become the owner of a credit card called Matryoshka. This tool will appeal to those who know how to count their money.

The conditions on the card are as follows:

interest free period 50 days;
in case of active use of a credit card, a service fee is not charged;
maximum limit is 350 000 rubles;
after the grace period, the rate is set at 24.5% per annum;
cashback in size 3% of the amount of any purchases;
free reporting in SMS messages about all operations during the first 2months of service.

You can get a credit card by contacting a bank branch.

To compare the described offers it was easier, and the choice was really correct, the main conditions of the presented credit cards are summarized in the table below.

Table "TOP-5 banks with the best offers on credit cards":

Credit organization	Maximum credit limit	Grace period	Grace Period Rate
1. Tinkoff Bank	300 thousand rubles	55 days	From 15% APR
2. Sovcombank	350 thousand rubles	Before 12 months depending on the store	From 10% APR
3. *Alfa Bank*	500 thousand rubles	100 days, including cash withdrawals	From 23,5% APR
4. Raiffeisenbank	Before 600 thousand rubles	From 29% APR
5. VTB Bank of Moscow	350 thousand rubles	55 days	From 24,5% APR

The table above shows which banks apply for credit cards (credit cards) online without a statement of income and on what conditions.

We also advise you to read our article on how and where you can get a loan without inquiries and guarantors, even with a bad credit history.

The main ways to apply for a credit card: 1) online; 2) by phone; 3) in person (at the bank branch)

6. How to apply for a credit card - 3 main ways (online, by phone, at a bank branch)

There are several ways to apply for a credit card at a bank. Each of them has its own distinctive features. Below are presented 3 best waysverified by a huge number of customers.

Method 1: Submit an online credit card application

Today, most Russian banks accept online credit card applications - directly on their own website. This method is suitable for everyone who knows how to use the Internet, and also has any device with access to the network.

Online Credit Card Application

By filling out an application online, you can save a huge amount of time. It usually takes to fill out a questionnaire no more than 15 minutes. You can do it seven days a week at any time convenient for the borrower.

At the end of the review procedure, with a positive decision, a bank employee is contacted with the future credit card holder. He once again discusses the principal points of the loan, and also agrees on the place and time of receipt of the card.

At the same time, it is far from always that she has to go to the office. Many banks today deliver credit cards to an address convenient for the client.

Method 2. Making a credit card by phone

Making a credit card application by phone accessible to everyone, regardless of the age of the potential borrower, as well as the region of residence.

Using this option, you can Not only submit an application, but also get answers to your questions. Today, the bank records customer conversations with employees, so you can count on the fullness of the consultation, as well as a polite attitude.

During the conversation you should find out:

what will be the interest rate;
availability and size of various commissions.

If, upon submitting an application, the borrower realizes that the conditions of the credit card are not suitable for him, he has the right to refuse to receive it at any time.

Method 3. Visit the bank office to apply

Many consider filing an application directly at the bank’s office the most reliable way. However, it is important to consider that it has a serious disadvantage - maximum time costs.

One side, large credit organizations have a huge number of branches, so you do not have to go far.
But on the other side, when you visit the department will have to stand in line, as well as focus on the time of work of a particular employee. This is far from always convenient.

When applying at the bank branch, the employee immediately consults, accepts documents for registration. With a quick examination of applications, you can immediately wait for a decision and get the coveted credit card.

Every prospective borrower needs to know What methods of applying for a credit card he can use. Only taking into account the nuances of each option, you can choose the right one for a particular situation.

Useful tips for obtaining a bad credit card (CI)

7. How to apply for and receive a credit card with a bad credit history - 6 practical tips from experts

Today, many future borrowers are faced with a situation where banks refuse to issue credit cards because of a damaged credit history. Do not get upset and think that there is no way out.

In fact, experts say that there is always a chance for a positive decision on a credit card application. You can increase the likelihood of approval using the advice of professionals.

Tip 1. Consider credit cards at a payroll bank

The debit card, on which the salary of the future borrower is charged, can serve as an additional guarantee of solvency. That is why banks are more loyal to salary customers.

If you have a bad credit history, you should first of all apply for a credit card to the bank whose cards the future borrower regularly receives money from.

Tip 2. Apply for instant credit cards.

The quick processing of credit cards forces banks in most cases to refuse to check their credit history.

Despite the fact that such credit cards have a number of disadvantagesessential them advantage is that give them to almost everyone.

When deciding to get an instant credit card, the borrower must be prepared that rate it will be high enough funds safetyon the contrary, pretty low.

Tip 3. Attract Guarantors

If you can’t get a positive decision on your credit card application, you should try to attract guarantor.

Important to understand that such a person is responsible for credit obligations almost on a par with the borrower. You should not allow delays on your credit card, so as not to aggravate the already precarious situation, as well as not to spoil the guarantor's reputation.

Tip 4. Document solvency.

Experts recommend borrowers with a damaged credit history to document their own solvency.

For this purpose, you can submit to the credit institution:

certificate of income from the place of work;
documents of ownership of the car, real estate and other property.

Besides, some banks accept solvency foreign passports with a note about recent travels.

Tip 5. Use the services of credit brokers

Do not think that credit brokers can improve your credit history. However, it is in their power to choose a bank, as well as a credit card, by which the future borrower will almost certainly receive OK.

Worth considering! Most brokers enter into an agreement with credit organizations. As a result, when working with them, you can count not only on increased likelihood of approvalbut also on interest rate reduction.

Of course, the services of brokers are not free. However, with a positive decision, the benefit compared to microloans is obvious.

Tip 6. Correct your credit history.

If you do not need a credit card urgently, but for the future, you can try to correct your credit history. Some lenders have specifically developed a new service for this. To correct the credit history, it is enough to receive and timely return several small loans.

Following the advice of professionals, you can significantly increase the likelihood of a positive decision on a credit card application, even in the case of a damaged credit history.

Perhaps you will be interested in an article about which banks do not check the borrower's credit history and how to get a loan with a damaged CI.

8. The most profitable (best) credit cards: with cashback, grace period and no interest for cash withdrawals

The popularity of credit cards is growing day by day. This tool allows the owner, without submitting a new application, to use the money that belongs to the bank at any time.

However, often borrowers do not understand which credit card to prefer. The following will help to determine review of credit cards of banks with the most favorable conditions.

1) The best credit cards with cashback and bonuses

Review of the best credit cards with cashback

Today, a huge number of banks offer bonuses and cashback for credit cards issued by them. Choosing the right option, you should pay attention to the following programs:

Tinkoff Bank offers several types of credit cards, which allow you to receive bonuses and refunds depending on the type of expenses. Maximum cashback in selected categories can reach 30% from the amount spent;
Alfa Bank returns before 10% from funds spent at gas stations, and before 5% expenses in cafes and restaurants. On such a card, the size of the limit reaches 300 000 rubles;
Matryoshka from VTB Bank of Moscow allows you to return 3% of the amount spent on any purchase. The maximum limit on such a card is 350 000 rubles, the grace period is 50 days.

2) Favorable credit cards with a grace (interest-free) period

If the borrower believes that the most important thing in a credit card is maximum interest-free period, it is worth paying attention primarily to the following proposals:

One of the largest credit card grace periods in Alfa Bank. He reaches 100 days. Moreover, such a program allows you to receive cash without commission and also use it without additional costs. However, such a card does not provide any bonuses and cashback;
Installment Card Conscience from Qiwi allows you to pay in some stores for purchases without charging interest for before 12 months. However, it should be borne in mind that you can use the offer only in the partners of the bank. Moreover, receive cash by installment card will not work;
Post Bank offers a credit card Element 12at which interest is not charged during 120 days. However, taking advantage of this offer, you do not have to rely on bonuses and cashback.

3) Favorable credit cards for cash withdrawals

Most banks issue credit cards exclusively for non-cash payments.

Cash withdrawal on such offers either impossible or accompanied by the accrual of a large commission.

Nevertheless, if you wish, you can pick up a credit card, which is used as a traditional loan and allows not only to make payments, but also to withdraw money.

There is no commission for receiving cash on the following offers:

Alfa Bank offers the most favorable conditions. Here, not only without a commission they give out cash on credit cards, but also do not accrue interest on the funds received in this way during the grace period;
Raiffeisenbank free of charge allows you to withdraw funds by credit card Cash;
Promsvyazbank offers customers a credit card Diamond with cashing without commission.

A huge selection of credit cards in the Russian financial market allows borrowers to choose the option that suits them. It’s important to decide what credit conditions will be decisive for a particular client.

9. FAQ - Frequently Asked Questions and Answers

Credit cards are an extensive topic. It is almost impossible to talk about everything in one publication. Nevertheless, we try to keep our readers as few questions as possible. Therefore, at the end of the article, we traditionally respond to the most popular of them.

Question 1. In which bank can I make an online application for a credit card with home delivery by mail from the age of 18?

Most banks issue credit cards to citizens who have reached 21 of the year. Nevertheless, younger borrowers also have a chance to get a credit card. There are few offers for them, but there are quite worthy options among them.

Credit organizations offering to issue a credit card to adult citizens:

Tinkoff offers young people a map Platinum. On it you can get before 300 000 rubles for a period of before 5 years. Moreover, during 50 days interest will not be charged;
Alfa Bank issues credit cards with a limit of before 300 000 rubles. The amount of the grace period depends on the type of credit card and can reach 100 days;
Touch Bank allows you to issue a credit debit card, the limit on which reaches 1 000 000 rubles. The interest-free period lasts 61 day;
Home Credit issues installment cards. The maximum limit on them is 300 000 rubles. Installment period can reach 12 months.

If you can’t get money from the bank, and the amount is needed for a short time, you can get a credit card at microfinance organization.

Such an offer eg, the company has Quick money and called Quick card. The limit on it reaches 30 000 rubles. There is no grace period for this offer, and you will have to repay the loan within a month.

Any adult citizen can use the credit cards described above. To do this, apply in online mode. The presented banks allow you to get a credit card without visiting the office.

In the application process, you can choose production method like home delivery. In this case, after the approval and issue of the credit card, it will be sent by mail or delivered by courier.

Question 2. What does it mean "instant (instant) credit card on the day of treatment"?

Situations when money is urgently needed, but nowhere to take it, are known to everyone. In this case, many are trying to get a loan. However, preparing documents and waiting for approval takes a lot of time. If you have no time to wait, it’s worth considering the ability to draw up an instant credit card.

Banks provide such a service to persons whose age is in the range from 21 to 65 years old. To get an express credit card, it’s enough passports.

However, not all banks require a permanent registration. Some give credit cards with a temporary residence permit. Official employment significantly increases probability of a positive decision by application.

Often, banks offer instant credit cards to their regular customers. This is due to the availability of information on the level of solvency of such citizens.

An offer from the bank to issue an express credit card is received:

those who have already successfully paid a loan to this bank;
persons having a deposit in the bank;
payroll clients.

Each financial institution develops conditions for instant credit cards independently. Nevertheless, we can name the averaged parameters:

rate about 20% in year;
monthly payments no less 6% of the amount owed.

When issuing express credit cards, the bank assumes increased risks. That is why employees of a credit institution are advised to make payments in advance in an amount exceeding the minimum contribution.

It is important to understand! It is ideal for the client to pay off the debt during the grace period. This will help to avoid interest and, as a result, overpayment.

Besides high speed clearance instant credit cards have other advantages.

Validity there are several such cards (usually not less than 3 years) This allows after repayment of debt to reuse borrowed funds without a new contract.

Moreover, most modern banks install credit cards Grace period. Usually it is in the range from 1,5 before 3 months. If during this time it is possible to fully repay the debt, interest will not be calculated.

Making an instant credit card is usually straightforward. It is enough to submit an application via the Internet and wait for the decision of the bank. If the answer is yes, it will remain to come to the office of the credit organization and get your card. At the same time, some banks even deliver it to their homes.

However, there are instant cards and significant limitations. It's not only less favorable terms of service. In most cases, unnamed cards that do not contain serious degrees of protection are issued as express credit cards.

Besides, with quick processing, you should not count on a high credit limit. In most cases the amount received is several times lower than with a traditional credit card.

Question 3. How to use a credit card with a grace period correctly and profitably?

Today, many banks offer customers credit cards with a grace period. This means that over a certain period of time, bank money can be used without interest.

It turns out that if the debt can be repaid during this period, there will be no overpayment on the loan.
But do not forget that in most cases this rule is valid only for cashless payments.

To truly avoid overpayments, it’s important to use the grace period correctly. To do this, you will have to figure out what its features are.

The grace period is usually divided into 2 stages:

Billing period represents the time that the bank takes to the customer to make purchases. The countdown can be carried out from the moment of the first payment by credit card, or from the day the card is received. In most cases, the duration of the billing period is 30 days;
Billing period starts at the end of the settlement. This period of time is allotted for debt repayment. Most often, the length of the payment period is 20-30 days.

In total, the settlement and payment periods are exactly Grace period. Most often, its duration is 50-60 days. If during this time it is not possible to repay the formed debt, interest will be calculated.

If the full amount spent is not possible, the client should pay a minimum payment during the grace period. In most cases, its size is in the range from 5 before 10% of the total debt.

Do not forget also that the end of each billing period coincides not only with the beginning of the billing period, but also with the beginning of a new billing period.

For a better understanding of the features of the grace period, it is worth considering it as an example:

For simplicity, assume that a credit card has been received 1 January, and from that day the owner began to spend money.
During billing periodwhose duration is 30 days, the borrower spent 10 000 rubles.
31 January the end of the billing period. The bank made settlements. Including all purchases made, the amount owed was 10 000 rubles. The lender informs the borrower about this by sending SMS message, or by mail. If for some reason an extract to the credit card holder has not been received, he should contact the bank on his own to find out the amount of the required payment.
From the end of the billing period, the action begins billing. Suppose he is 20 days. In this case, the end date of the billing period will be 19 February.
Until 19 February inclusive, the borrower should return 10 000 rubles to avoid interest. It is not necessary to pay the entire amount at once. This can be done in parts.
It turns out that Grace period in this example is 50 days.

If the borrower fails to fully repay the debt during the grace period, until 19 February he should make minimum payment.

Suppose that under the terms of the contract it is equal 5% of the debt amount. Then you will need to pay 10 000 * 5% = 500 rubles. At the same time, the bank will accrue interest, therefore, of the five hundred rubles deposited, not all of the amount will be used to pay off the main debt. The exact debt can be found in the formation of the next statement.

It should be understood that there are 2 options for starting the billing period:

from the moment of the first purchase;
from the date of issue of the card.

In the first case, the grace period will always be the specified number of days. If the billing period starts from the day the card was issued, the interest-free period becomes floating.

Suppose that the customer received the card 1 January, and made a purchase 10 January. In this case, it remains until the end of the billing period. 20 days. Taking into account the payment period, it turns out that Grace period will total 40 days.

When issuing a credit card, banks usually name specific days for the end of the billing and payment period.

To ensure that you do not overpay on a credit card with a grace period, it’s important to know some rules:

In most cases, the grace period applies exclusively to non-cash payments. Banks charge a considerable amount for withdrawing money on such cards. commissionwhich may be 2-3% of the amount withdrawn. Moreover, many credit institutions set a lower limit for such fees at no less 300 rubles. It turns out that withdrawing cash on a credit card is quite expensive. Experts recommend use this tool exclusively for cashless payments;
Often banks are silent that the terms of a credit card set a fee for annual maintenance, as well as SMS notifications. If the borrower does not deposit funds to pay them, a debt arises on the card, which, in the absence of repayment, incurs considerable interest and fines;
Under the terms of a credit card agreement, the date of payment is not the moment of depositing funds, but the day they are received in the account. Therefore, experts recommend making payments in advance, since funds can be credited to the account within a few days.

Credit cards with a grace period can be effective support in case of insufficient money. But it is important to consider all the nuances of their actions in order to avoid payments for debt servicing.

Question 4. Which credit card is better to get - which credit card is more profitable?

When deciding to get a credit card, it’s important to choose the best deal. Only in this case, you can expect that the use of credit cards will be comfortable and profitable.

In the selection process, you should pay attention not only to the terms of service and the profitability of credit cards, but also to your own financial capabilities. Of great importance is where the future borrower plans to use the card.

Important to remember! Credit cards issued under the national payment system cannot be used abroad.
If there is a need to pay by card in foreign trips, you should pay attention to international instruments, such as Visa and Mastercard.

To avoid additional financial costs, it is important to choose the right status of a plastic card. The simpler the plastic, the cheaper its maintenance.

Depending on the status of the owner, credit cards are of the following types:

The simplest and accordingly cheapest credit cards are issued in the form of unnamed cards. But it is important to remember that you can count on a minimum credit limit. In addition, some of these cards do not allow you to make purchases on the Internet;
The most common are classic plastic cards. They provide an average credit limit, as well as traditional terms of service;
Gold cards allow their owner to use the increased credit limit, as well as additional services and bonuses;
Platinum cards help emphasize the high status of the owner. They allow you to count on an increased level of service and a large number of additional services;
A separate group, some banks allocate elite credit cards. They are issued only to certain categories of customers, which are most significant for a credit organization and have the status VIP. Accordingly, the terms of service for such cards are special.

Considering your own needs is also of great importance in the process of choosing a credit card:

If a potential borrower regularly uses the products or services of a particular company, worth paying attention to co-branded cards. They are issued by credit organizations together with sellers of certain goods and services. Such cards allow you to increase savings in cashless payments;
For those who shop at large stores regularly, stocking up groceries for the whole family cashback cards. When using such a tool, a part of the funds spent on purchases is returned to the borrower. In most cases, cashback is about 3% of the amount of expenses. However, some banks offer return on selected categories before 30%;
Those who do not have enough time to visit the bank office, it is worth contacting those organizations that draw up credit cards online. In this case, it is enough to fill out an application on the bank's website. After making a positive decision, the credit card will be delivered to a convenient address;
If you need money urgently, do not neglect offers to receive instant credit card. Of course, the conditions for it are less favorable. However, such cards can quickly solve temporary financial difficulties.

In this way, unequivocally answer the question of which credit card is better, it will not work. Each borrower should evaluate their own needs and opportunities in order to choose a product that suits him.

Question 5. How to close a credit card?

Those who decide to refuse to use a credit card, it is important to know what the nuances of closing exist. It should be remembered that the conditions of this procedure in different banks may be different. However, there are key points that should be observed in any case.

To avoid unpleasant situations, it is important to pay attention to closing a credit card. Do not rush in order not to be in debtors in the future.

Some borrowers believe that to close the credit card it is enough to destroy the plastic carrier itself. This approach is incorrect.
In any case, you will have to visit the bank and fill out the necessary documents.

In general, the procedure for closing a credit card is as follows:

the borrower applies to the bank;
a credit institution employee calculates the full amount of debt;
the borrower contributes sufficient funds to repay the debt;
the client writes an application for closing a credit card;
the bank closes the credit card account and issues a corresponding document to the borrower.

Important to understand that closing a credit card in another bank will not work. However, for this it is not necessary to contact the department where it was opened.

However, some banks may have difficulty obtaining a credit card in another city. therefore experts advise: if the borrower plans to change his place of residence to another region, do not take risks and close the credit card before moving.

The quickest and easiest way to close a credit card, which was issued remotely. So, to refuse a credit card in Tinkoff Bankenough to make a call. But you will have to repay the debt in any case.

Before closing a credit card, it is important not only to pay the full amount of the debt, but also to take the following steps:

disable all paid services;
block the card;
notify the bank of the decision to close the credit card.

At the end of the closing procedure, it is not necessary to return the plastic carrier to the bank. If desired, the client can destroy it on their own or save it for memory.

If the borrower wishes to continue to use a credit card, but he is not satisfied with its conditions, you can try to pass refinancing procedure. In this case, the credit card remains with the client of the bank, but the conditions for its servicing change. This option is good in that it is not necessary to repay the debt.

However, it should be understood that the bank has the right to refuse in the application for refinancing and leave the client on the current terms of service. This is especially true for those who regularly made delays and ruined their credit history.

Question 6. What is a grace period for a credit card and how does it work?

The question is what is and how does the grace period of a credit card workarises more and more often. This is due to the fact that many potential borrowers refuse to issue traditional loans in favor of credit cards.

The reasons for issuing credit cards are different for everyone:

someone wants to have a small supply of funds that can be used at any time;
someone dreams of extra income as cashback and bonuses.

However, absolutely everyone is interested in the possibility of using borrowed funds without paying interest. It occurs when available on the card. grace period.

Grace Period (Grace Period) - this is the time period during which the borrower can use the card limit without interest.
The duration of this period is determined by the bank and may vary for different products within the same credit institution.

On the Russian market, the grace period lasts on average 50-60 days. However, there are banks in which he reaches 100-120 days.

The essence of the grace period is simple: if the borrower repays the credit card debt within the specified time period, he will only return the amount spent, and the bank shall not accrue interest.

However, for the correct use of the grace period, it is important to know what card expenses it covers.

In most cases, the grace period is valid only for cashless payments. If a client withdraws money from a credit card, from the next day after the transaction, they begin to accrue interest. However, such conditions do not apply to all banks.

For example, Alfa Bank extends the grace period, including cash withdrawals.

Often, credit card users complain that they still have a lack of understanding regarding the validity period of the interest-free period. This is due to the fact that in most cases, banks stipulate only the maximum duration of the grace period.

To understand how many days a borrower has to repay a debt without interest, you should first determine from which day the grace period begins:

Since the first purchase. In this case, everything is quite simple. It is from the day of spending transactions and should be considered the number of days equal to the length of the interest-free period;
From the day specified in the contract. In most cases, the bank in the contract indicates the reporting date. This means that it is from this day that the grace period begins. For example, the bank recorded as the reporting date 1 day of the month. In this case, when paying for the purchase 6 the duration of the grace period will be reduced by 5 days.

Important to remember, that the grace period does not mean that the borrower should not make any payments. Bank conditions are always fixed mandatory minimum payment amount.

In order to understand how much and in what terms a payment should be made, it is important to carefully read the credit card statement provided.

Question 7. How do I know the credit card limit?

In the conditions of fierce competition many banks in order to attract customers when issuing a consumer or mortgage loan immediately issue a credit card to borrowers. This is done either immediately when applying for a loan, or after a certain period after making payments.

Often, credit organizations warn their customers that such a card does not have at the time of issuing a credit limit. It appears after the client convinces the bank of its own solvency.
In this situation, cardholders are usually lost: they do not understand what to do with the card next.
Remind, What does the credit limit on the card mean: this is the maximum amount within which the bank is ready to provide you a loan.

In fact, the situation described above is not the only one in which the borrower is forced to look for information about the available amount. It happens that the cardholder forgot or did not receive timely information about the size of the limit.

The borrower can use one of the following methods to obtain information about the available limit:

Using an ATM. Often you can find out the limit on a card at an ATM of both your bank and any other credit institution. It should be borne in mind that for such a service, most likely, you will have to pay commission. Moreover, if you try to clarify the credit limit at an ATM of another bank, a double fee may be charged - in favor of the owner of the ATM, as well as the company that issued the card. Not always devices indicate which commission will be debited during operations. Therefore, before using an ATM to clarify the limit, you should carefully read the tariffs for servicing a credit card;
Call to the call center.This method of specifying a credit limit is free if you call the phone number that starts with digits 8 800. However, in most cases, dialing into the operator is not carried out immediately, so you have to spend a lot of time to find out the limit. It should be borne in mind that when calling, you may need passport data, as well as the codeword;
Online banking or mobile application. Today, most lending institutions offer convenient ways to interact. Is worth in advance worry about registering a personal account or installing the appropriate application on a mobile device;
Bank branch.Without a doubt, you can find out the credit limit by visiting the bank office. However, you will have to spend time on the road and waiting in line. When contacting the bank, it is important to carry passport and credit card
Mobile Bank By connecting this service, the client can quickly find out the necessary information on a credit card. However, it should be borne in mind that many banks charge a fee for such a service. Moreover, to clarify the credit limit, you need to know a specific text.

Often, credit card holders are faced with the fact that the bank unilaterally increases the credit limit. This is in most cases notified of customers.

However, for a more operational cash management, you should connect to SMS alert. This will help protect funds from unauthorized access, as well as always be aware of all changes in the account.

Question 8. How many years can I get a credit card?

Young people often wonder since how many years draw up a credit card. However, not everyone knows that some banks are developing offers that are accessible even to students.

When compiling credit programs, banks establish specific requirements for future borrowers. This is mandatory for the minimum and maximum age.
In most cases, you can only get a credit card when you reach the age of 21.

The presence of a minimum age for lending is due to the fact that young people often do not have official employment. Moreover, in most cases they do not have any regular income, or it is not enough to repay loans. In such circumstances, it is not easy to convince a credit institution of its own solvency.

However, A number of banks issue credit cards immediately upon reaching adulthood. In this case, important conditions are Russian citizenship, permanent registration, as well as regular income.

Question 9. What documents are needed to draw up (receive) a credit card?

Getting a credit card allows customers to use a certain amount of money.

The advantages of such a product are:

misuse;
renewable limit and other features.

Before getting a credit card, the client has to fill out an application. You can do it in the bank’s office, on its website, by calling the hotline and even by mail.

Before applying, you need to prepare a package of documents. Each bank independently develops an appropriate list. However, there is a certain standard that all lenders adhere to.

In most cases, only a credit card is required passport. However, the provision of a minimum package of documents does not allow counting on a sufficiently high limit.

That is why customers are often forced to prepare a more complete set. This will help boost credit limit, and also get a credit card of a higher status. Providing a full package of documents, the future borrower confirms the level of own solvency.

To get a credit card in this case you will need:

passport;
second identity document;
copy of the work book;
certificate of income.

In some cases, regular customers, as well as those who receive wages through the bank, may be provided privileges. At the same time, it is not necessary to convince the creditor of solvency, since he already has the necessary information to determine the amount of income.

Not all documents can be provided in copies. Even in those cases when a copy is required, you will have to take the originals with you so that the bank employee can verify compliance.

In the copy without the original, only the work book is provided. Moreover, it must be certified by the employer. On the last page, a mark is required that the borrower continues to work at the specified location.

Question 10. How to order and receive a credit card by mail?

The main advantages of a credit card are the ability to use funds at its discretion. Therefore, most people prefer to order credit cards over the Internet (at onlinemode) with delivery to the house by mailthan to issue loans in cash.

As a rule, a credit card is issued rather quickly. To do this, just submit an online application through the website of the selected credit institution, wait positive a decision to issue a card, and the courier will deliver the contract and credit card to the address you specified at a convenient time for you.

10. Conclusion + video on the topic

With the right choice and proper use, a credit card can become an indispensable tool. Having such an instrument, you can not be afraid of temporary financial difficulties, do not look for where to borrow money.

However, before you take advantage of the bank’s offer, you should carefully study the tariffs and terms of service. Most complaints with credit cards are connected precisely with the lack of knowledge and understanding of the nuances of such an instrument among their owners.

In conclusion, we recommend watching a video about what the user needs to know about credit and debit cards: