The fastest way to get a credit card

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

Credit systems are in great demand today, as they allow you to quickly get certain funds in debt. This is especially true when it comes to small amounts. As a rule, when obtaining credit cards, it is not required to provide a large list of documents, and the procedure itself takes a minimum of time. However, some banks still impose increased requirements or take too long to issue approved CCs. Consider the fastest ways to get a credit card loan in different banks.

Sberbank

Since this organization is the largest bank in Russia, the number of people who can count on receiving instant cards is limited. According to the current program, only people who already own accounts to which salaries or pensions are transferred can receive Credit Momentum. Therefore, obtaining a Sberbank credit card is very beneficial for its regular customers.

All you need to do is present your passport and wait 15 minutes until the plastic is ready. In this case, there is no need to confirm your solvency, because the bank already clearly shows the movement of funds through accounts.

After receiving a Sberbank credit card, the conditions for using plastic are very favorable. The client has 50 days to repay the debt without any interest. The maximum amount for which you can get a loan is 150 thousand rubles. At the end of the grace period, the interest rate will be 18.9%. However, there is one condition: the monthly payment must be at least 10% of the amount taken.

Europe Bank

In this financial institution, customers can also count on a quick credit card. It takes no more than half an hour to issue it. To do this, the client only needs to present a passport and meet certain requirements of the bank. Those people who are over 21 years old can count on a credit card. In addition, a potential borrower must be registered in the same place where the bank branch is located. You will also need to submit a certificate confirming the fact that the borrower has a permanent place of work, where he has been working for at least 4 months.

In this case, you can also get a loan with the possibility of interest-free repayment for 50 days. After this period, the interest rate will be 29%. At the same time, you can get up to 200 thousand rubles from the bank. However, it should be borne in mind that the QC service is not free. According to the conditions for obtaining a credit card, its annual service will cost 750 rubles.

Opening

This credit institution can issue an instant card within an hour. In this case, the client can get a loan inin the amount of up to 500 thousand rubles with a grace period of interest-free repayment of 55 days. After its expiration, the overpayment will be 25%. In this case, the monthly payment must be at least 5%.

Besides, the bank has an additional program "Disco". It can be activated when you quickly receive a credit card. If you connect the program, then in this case the CC will work in the same way as the discount one. This is very beneficial if the client makes purchases in stores that are partners of this credit institution.

Home Credit

This organization provides borrowers with the opportunity to quickly obtain a credit card. At the same time, it is enough to leave an application online for instant QC. You can also apply for plastic at any branch of the bank.

If we talk about credit conditions, the grace period will be 51 days. After that, the overpayment will be 29.9%. At the same time, customers can apply for a loan in the amount of up to 200 thousand rubles. The card is issued within 30 minutes. In this case, the monthly fee should be 5% of the total amount.

If the client already has an account with Otkritie Bank, it is enough to present only a passport. New borrowers will need to provide additional documents to quickly obtain a credit card.

Bank of Moscow

This financial institution also pleases customers with an instant credit card program called "Card +". However, it is valid only for those citizens who are alreadyclients of this organization. To obtain it, you do not need to collect additional documents. As in other cases, it is enough to present only your passport. Same day credit card application processed.

If we talk about interest rates, they are calculated privately and can range from 19 to 29.9%. At the same time, loans in the amount of up to 150 thousand rubles are available to customers. As with other banks, the grace period is 50 days, but the card is free of charge.

You can also apply for a gold card. In this case, the total amount of lending increases to 750 thousand rubles. You will have to pay 1.5 thousand rubles annually for servicing the CC. Gold card holders receive a 20% discount at most stores. The grace period for loan repayment is also 50 days.

Sovcombank

This credit organization offers its customers to get a Halva card. It's free, so you don't have to pay an annual maintenance fee. As a rule, such CCs are used for payment in stores. To get such an instant credit card, it is enough to fill out the appropriate application on the official website of the bank and wait for a call from the manager of the credit organization, who will inform the decision. After that, it is enough to come to the Sovcombank branch and get the coveted card. The only requirement that the borrower must meet is his age. It should be between 20 and 75 years old. You will also need to present your passport.

Renaissance Credit

This organization also provides instant services for the design of the coveted plastic. In order to get it, you must submit an internal passport of a citizen of the Russian Federation and an additional document with which the manager can identify the person. To ensure that you get approved for a loan, it is also recommended to submit additional documents confirming the right to own an apartment or a car.

What is the procedure for obtaining a card

As a rule, the sequence of actions is always the same. First, borrowers leave an application on the company's website or come directly to the bank branch and submit the necessary documents to obtain a credit card.

If the application is left on the Web, then after a while a bank employee contacts the client (by phone or e-mail) and informs him that the loan is approved. After that, he offers to go to the branch of the bank where it is more convenient for the client to pick up the card. Then it is enough to come to the specified address and receive the original document. Thanks to online registration, you can significantly save your time, so today most citizens prefer this option.

In closing

Credit cards are very beneficial products from financial institutions. However, you need to understand that it is not profitable for the bank to provide loansabsolutely free. There is no need for this, since most citizens do not know how to calculate their financial capabilities correctly. Therefore, before issuing a QC, it is worth considering everything several times. If the borrower does not fit into the grace period, then in the end he will have to overpay the bank much more. Therefore, it makes sense to think about getting a cash loan.

If you get a targeted loan, then the rates on it will be much lower. You also need to take into account the fact that the less the bank requires documents for obtaining a loan, the less favorable conditions are offered to borrowers. However, credit cards will be useful for those who are a client of a particular financial institution, as there are many preferential programs for this case. The main thing is to correctly assess your capabilities, choose the most favorable loan terms and carefully study the contract before signing it.