Today, a credit card is a versatile tool that allows you to quickly and easily solve many financial problems. Cashless payments are becoming more common every day.
Many banks have decided to do everything possible to obtain such a privilege that the interested person could, under excellent conditions. We will try to find out where you can 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 loan, we had to go through a complicated process. It includes collection and preparation of documents that confirm receipt, search for sponsors and long lines. Now everything is completely different.
When the question is where to place a credit card without links, all you need is online. Apps are now submitted online, so you can do this with a cup of hot coffee.
Why was the procedure simplified? Maybe this was due to increasing competition between different financial institutions. In order to attract new customers and keep old banks to do everything possible to ensure that their services are most convenient and convenient.
Benefits of the service
It’s hard to believe that there are banking representations where you can quickly issue a credit card without providing a huge amount of documents. Consider the benefits of this service:
- There is no need to collect additional information on revenue and other documents.
- No need to stand in ranks. You can request the card online.
- Low-interest rates.
- 24-hour customer service.
- Ability to collect money anywhere in the world.
- The minimum age at which the service is used is 18 years.
If you are looking for a place where you can quickly issue a credit card, then look at the offers of several banks and choose the most suitable for yourself.
The back of the coin
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 find clues were to issue a credit card quickly without certificates. Moreover, they have been issued since the age of 18, there are no guarantors. Where is the catch?
The risks of the bank are great because employees do not know whether the client earns enough to repay the loan. The disadvantage of the card-issuing service without intermediaries and links is only one, but significant.
The level of trust to the client is low – that is, the bank will not be able to provide a large amount of money. Only small loans for certain needs when urgently needed. If the person repays the loan on time, credit history begins to appear. Over time, confidence increases, and one can apply himself to raise the credit limit.
If you are looking for a quick credit card, because a lot of money is needed, this service is not suitable for you.
How to get a credit card
The card is very easy for any adult citizen of your country:
- Study the offers of banks and choose one where you can issue a credit card under the most favorable conditions.
- Fill in the application. There are two ways to do this, either online or at the office of the selected bank.
- If the application has been completed online, the consultant will be contacted with the client in the near future to confirm that he/she is willing to issue the card and re-enter the data.
- After the bank gives a positive answer, you have to go to the office and pick up your card.
- All that remains is to withdraw money for the necessary needs and repay the loan on time to maintain a good credit history.
To issue a card, the bank needs customer data, an identification code. Only a passport and another identity document are required.
It is necessary to realize that the more information about the client, the higher the probability of getting more money on the card.
An additional credit card document can be of two types:
- identity card;
- which indicates a certain financial situation.
- A foreign passport containing notes that the person has traveled abroad.
- Account statement or other bank card statement.
- Documents for the car. They can be insurance, rights, technical passport.
- If you want to get a larger credit line, you can submit a revenue certificate and a copy of the workbook.
- Health insurance.
- Some banks’ embassies also consider invoices for client services.
Student credit card
Where is it better to issue a credit card to an 18-year-old student? Consider popular deals.
- “Across Lender”. The card is issued only in the passport, the application is considered on the day of withdrawal. The interest rate ranges from 24.9% to 45.9%. The limit is 300 000 USD.
- “Good Finance”. Very interesting offer debit card. 5% Cash is a service designed to purchase a specific category of goods. The card service is free for active use.
- Fine Bank. The application for a loan on the card is considered on the day of withdrawal, it is necessary to present only a passport. Fine Bank is a great opportunity to get a loan quickly and without problems. All bank cards are supported.
Credit cards for people under the age of 18 do not have a big limit. The maximum amount is 150 000 USD. If there is plenty of time left before the scholarship or salary and you face unpredictable expenses, that amount will be quite enough. In addition, you get a Fine Bank history and then you can get big loans if needed.