How to issue a credit card using two documents

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

In today's world, credit cards are very popular. This is both convenient and beneficial. Almost all banks offer their customers to use this lending service. However, many banks require certificates or other additional documents confirming income.

But not all of us have the ability to provide a full package of documents required to obtain a credit card. To date, this issue has also been resolved.

How to apply for a credit card

It is currently possible to issue a credit card using two documents in many banks. This type of cards, as a rule, belongs to the category of the simplest. The procedure for issuing these credit cards to borrowers is greatly simplified. Indeed, since the credit institution does not request any additional documents and certificates confirming the income of a potential borrower, the data verification procedure will be much faster.

To confirm solvency, it is enough to indicate the numberaccounting or personnel department from the place of work.

You can get credit cards on two documents without inquiries and unnecessary fuss both at any nearest bank branch and online.

In the branch of a credit institution, the entire procedure for filling out an application for issuing a card will be performed by an employee. It will be enough for you to provide a passport and an additional document, as well as indicate some data.

On the Internet, this process will also not take much time. It is enough to fill out a questionnaire on the page of the selected bank and wait for the result. You can pick up the card at the bank branch the very next day, in some cases you have to wait a little longer, or order courier delivery or home delivery by mail.

Documents required for issuing a card

You can issue credit cards using two documents both online and at the bank branch itself. Moreover, sometimes the design occurs spontaneously. After all, the second necessary document is almost always with a potential borrower.

Of course, the first and most important document for obtaining a loan is a passport. An additional document can be a driver's license, a TIN certificate, a pension insurance certificate (colloquially often called a green card), as well as a personal card of any other bank. Agree, the choice of the second document is very wide and at the same time simple.

Increased chance of loan approval

Sometimes it happens that the borrower has a good credit history, a constant source of income, no current delinquencies, and previously taken credit obligations are repaid, but the bank still refuses to issue a card with a credit limit. How to be in this situation? Of course, the ideal option would be to provide proof of income. But if this is not possible, then choosing a second document can help.

However, the second document may not be so simple, as it must confirm the solvency of the borrower. Such documents include a certificate of ownership of real estate or a vehicle (PTS), a passport, a voluntary medical insurance policy, or a bank statement. A good indicator of solvency and trustworthiness for the bank will be the presentation of a gold or platinum registered card of a third-party bank.

Any of these documents will prove the client's solvency to the bank, and the bank, in turn, will offer more favorable credit terms and open a larger limit on the card.

Issuance of cards according to two documents in Moscow

Any person with a regular income who has reached the age of majority can issue credit cards using two documents in Moscow. Almost every bank in Moscow can find a profitable offer for its customers and choose the right loan product.

Having a good credit history will also be a huge plus when applying.

In order to conclude an agreement with a bank to issue a credit card, it will beyou need to visit any branch of the selected bank in Moscow or fill out an application without leaving home via the Internet.

Good offers for issuing credit cards in the capital are offered by such reliable and trusted banks as Alfa-Bank, Sberbank, VTB 24, Tinkoff, Home Credit and many others.

The difference between credit cards issued under two documents

It should be taken into account that two-document credit cards may differ slightly from those issued with income statements. So, for example, the credit limit of such cards rarely exceeds 100,000 rubles. Credit cards that are issued instantly are most often not registered, which is not a plus. And the rate on such cards will always be higher, since the bank needs to compensate for its risks.

However, any borrower who makes all credit card payments on time and in full can expect to increase the credit limit and lower the interest rate in the future.