Credit cards with an instant decision - design features, conditions and reviews

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

The mere receipt of funds no longer satisfies the majority of clients of banking institutions. This is not surprising, because sometimes it is necessary to purchase a product or item for the home very quickly (within a few days, and sometimes even hours). In this case, there is no point in applying to the bank for cash, since usually applications for such loans are considered for about a week, or even more.

But what to do in this situation? Issue a credit card with an instant decision of the bank, which will be issued immediately at its branch. Thanks to this, you can save a huge amount of time, because in this case, applications are considered from 15 minutes to 1 hour. After that, the client receives a standard nominal CC, which is made directly at the bank branch. However, it should be borne in mind that there are certain conditions that a potential borrower must meet.

Peculiarities of obtaining a credit card on a passport with an instant decision

To apply for the coveted plastic, a person must be at least 21 years old at the time of filingapplications. In this case, most often it is required to additionally provide a certificate in form 2 of personal income tax and confirm your work experience, which is at least six months at the last place of work.

However, some credit institutions have special programs, according to which it is allowed to issue a credit card with an instant decision without references. This usually applies to those who are already a client of the bank. New clients are required to provide a full package of documents. For example, you can apply for a Sberbank credit card with an instant decision if a person already has an account with this financial institution.

There are also a number of other banks where you can get plastic without additional documents: "Opening", "Home Credit", "Renaissance Credit" and many others. In some organizations, it is additionally required to confirm their solvency, however, in certain situations, you can provide documents for a car or apartment, thanks to which a bank employee will be sure that in case of non-payment of a loan from a person, they will be able to recover money in court.

However, it should be borne in mind that when applying for a credit card, you should not count on a reduced credit rate. As a rule, in any bank, there is a certain grace period during which you can pay the debt without any commission. As practice shows, few people manage to cope with this. After the expiration of this interest-free period, the loan rate increases markedly, and in this caseit is much more profitable to take a consumer targeted loan than to issue a card. Therefore, it all depends on the specific situation.

Credit card with instant banking solution: benefits

Products of this type have a number of advantages. First of all, this is the grace period, which was mentioned earlier. In different banks, it ranges from 30 to 100 days. During this time, the client can easily return the previously taken funds to the account without overpaying absolutely any interest.

It should be borne in mind that the money on the card will always be more secure than if the borrower receives it in cash. Among other things, thanks to the CC, it is much more convenient to receive money while abroad. In this case, the optimal exchange rate is selected, due to which a person loses much less money.

Instant Decision Credit Cards are also issued online. Consider in which organizations you can issue such a QC.

Renaissance Credit

To get a standard card, it is enough to personally go to a bank branch and provide only one document - a passport. Immediately after receiving a response on the application, a citizen can receive up to 300 thousand rubles. The grace period during which you can use the bank's finances without any commissions is 55 days. After this period, the interest rate increases to 24, 9% or 37%, depending on the specific situation: the amount of money borrowed, and many others.factors.

When applying for a credit card with an instant decision, its annual maintenance will cost 590 rubles. It is also worth considering that in this case you will have to pay a commission of 2.9% for each cash withdrawal.

In this credit institution, people over 24 can get a loan

Touch Bank

This credit institution has a cash back system. You can receive money on a plastic carrier using one document. Additional certificates from the place of work in confirmation of solvency and other documents do not need to be provided.

At the same time, in this bank you can get a credit card with an instant decision, which will be up to 1 million rubles. If about 50 thousand rubles remain on the QC, then nothing needs to be paid for annual maintenance. The same conditions are provided for those clients who spend about 30 thousand rubles a month.

The grace period for using credit funds is 61 days. After this time, the interest rate is calculated on an individual basis. It can range from 15.9% to 36.9%. At the same time, it should be borne in mind that withdrawing cash through an ATM will be unprofitable, since the commission will be 4.9% from each transaction.

According to the conditions of the bank, people over the age of 21 can get a credit card with an instant decision.

Raiffeisen Bank

This financial institution also provides similar services. Grace period asand in many other banks, is 50 days. After that, the interest rate increases. You can reduce it to 24% if you provide a certificate of income. It is also worth considering that the annual maintenance of plastic will be 750 rubles.

The maximum loan limit is 150 thousand rubles. If we talk about the conditions of the bank, then you should pay attention to a certain age limit. Women can apply for a loan at the age of 21 to 55 years, and men up to 60 years old.

OTP Bank

And in this financial institution you can also get a credit card with an instant decision. The cost of its maintenance will be 600 rubles per year. Some customers prefer to issue a gold card. Its annual maintenance will cost 1,800 rubles.

The interest-free period is 65 days. The interest rate depends on the operations to receive funds. It is best not to withdraw cash from an ATM, as this is unprofitable. If only non-cash transactions are carried out, then 23.9% will have to be paid extra. At the same time, the client can count on a loan of up to 750 thousand rubles.

Reviews of borrowers

Those people who are not dealing with credit organizations for the first time can give some useful advice. First of all, according to the feedback of borrowers, it is recommended to draw up a CC in the bank in which the person is constantly served. As a rule, such credit institutions always have preferential programs for “their” clients, thisapplies to credit cards.

Besides, in banks where people are served constantly, you do not need to provide additional documents. As a rule, only a passport is enough. If we talk about the best banks and the minimum interest, then most users recommend contacting Sberbank or other financial institutions that have been in this area for several years.

In closing

Credit cards have a lot of advantages. But you need to understand that the percentage of overpayment in this case is much higher. Such carriers are beneficial only if a person can really repay the loan debt during the grace period. In other situations, it is much wiser to get standard loans and wait a while.