Recently, most borrowers prefer to issue a credit card rather than a cash loan. There is a real opportunity to use the money and not pay interest at the same time, for example, if you return the money during the grace period. In addition, the issuance of a plastic card with a credit limit implies a long and mutually beneficial cooperation with the bank. The question remains: where to get a credit card quickly and with a minimum package of documents?
How to make the right choice
In our country today there are a lot of commercial banks, in connection with which each client has a great choice where to get a credit card quickly without inquiries and guarantors. Therefore, when considering proposals, you need:
- To get acquainted with the conditions, interest rate, is there a grace period during which you can use the loan without interest.
- Weigh the pros and cons, because the less documents you need to provide, the higher the interest rate will be, so the financial institution compensates for the risks of non-refund.
If the question arises of where to get a credit card quickly with late payments on loans of another bank, then it is more advisable to turn to the services of microfinance organizations, that is, draw up short-term loan at a high percentage. Today it’s quite simple to do this, on the network you can find many offers of microloans at a high percentage, you can leave a request at any time of the day, without leaving home. The answer of the microfinance organization comes within 15 minutes, and the money is transferred to the borrower's card.
How to get a credit card quickly
There are several options for obtaining a credit card in a short time:
- The most common way is the Internet, where you can get a credit card quickly and remotely. To do this, you can go to the official page of a bank, use the specialized service, which collects offers from several organizations at once.
- You can call by phone, the bank operator just say the code and your passport data, after which the answer will come in an SMS message.
- The last traditional option is a visit to the bank. There are many advantages over other methods. Firstly, if the borrower was already a client of the bank, then there is no need to provide him with a certificate. Secondly, the bank inspector will draw up a contract and explain in detail all the conditions.
How long will it take to get a credit card at the bank
By the way, it is immediately worth noting that the main answer to the question of how to get a credit card quickly is definitely a visit to the bank. This procedure will take a minimum of time. In this case, the bank does not provide a name card, that is, it will be nameless.
So, to get a card quickly, it is enough to come to the bank branch, fill out a form and wait for an answer. This procedure will take no more than one hour. Then the client signs the contract and takes his card with a certain credit limit.
In the event that the bank's answer is negative, then this is not a reason to be upset, you may need to provide a statement of income, and there is a chance for a positive result.
What to look for when issuing a credit card
The main issue is not only where to get a credit card quickly, but also on what conditions. There are several nuances that require the attention of the borrower:
- Credit limit.As a rule, it is determined by the bank on the basis of the data specified in the questionnaire. Over time, it can be increased at the discretion of the credit institution.
- In any bank, the borrower has a number of conditions: age restrictions, a permanent job, an impeccable credit history.
- The terms for issuing a plastic card to a client are also different, someone issues it right away at a bank branch, and if you leave an online application, its courier can deliver it within a week.
- Deposit services, you need to check with a bank employee whether it is possible to replenish the account with amounts in excess of the credit limit.
This simple guide will help the client understand how to apply for a credit card quickly, then it’s worth considering several banks that are more worth contacting.
Tinkoff Bank - credit cards with home delivery
At the moment, the bank is popular among borrowers. To draw up a card, just fill out the form on the organization’s official website. The bank makes a decision within 15 minutes.
A citizen of the Russian Federation aged 18 to 70 years can use this service. The credit limit is 24.9% per year, the grace period is 55 days. It is worth noting that the percentage of approval of applications is quite high, while certificates and guarantees are not required.
User reviews indicate that the card is simple in design, it is not necessary to collect documents, and is quite convenient to use, there is a convenient Internet bank. But users noted that a large commission is charged for withdrawing cash, it is possible to get a serious penalty for an overdue loan payment.
Map "Momentum Preferred Offer"
This banking product can be obtained only as a client of Sberbank. That is, only one who received an offer from the bank will be able to draw up a card. There is no need to provide references, because the loan application is obviously approved.
The process of issuing a bank card will take only 15 minutes, the maximum credit limit is 120,000 rubles. Loan rate 25.9% per year, grace period 50 days. Age restrictions from 25 to 65 years.
Sberbank is a really acceptable option, where to get a credit card quickly. And besides, its conditions are quite favorable for the client, but there is also a significant drawback - large fines for overdue loan payments.
According to reviews from the network, there are a lot of people who want to arrange it, but this can only be done as part of an offer from the bank. According to the comments, it is really issued to the client instantly.
Comfort Plus Card from Otkritie Bank
This product has quite favorable conditions, the interest rate is only 21% per year, the credit limit is up to 750,000 rubles, the grace period is 50 days. For its registration, only a passport and application form in the form of a bank will be required.
But to receive a Comfort Plus card from Otkritie Bank, either its employees or employees of companies that participate in salary project this financial institution. It is quite difficult to find reviews about her on the network, most likely because she has very few users.
Card "Russian Standard Classic"
The biggest advantage is that the bank makes a decision instantly, otherwise the conditions are not as favorable as other banks offer. The interest rate is 37.9% per year, the maximum loan amount is 299,000 rubles, the grace period is 55 days.
To obtain this credit card, you will need a passport, application and an additional document, for example, SNILS or a driver’s license.
Despite the high percentage, reviews about the card are mostly positive. Users confirm that its design does not take much time, and the answer comes almost instantly.
“Credit card on one document” from Vostochny Express Bank
This card has a credit limit of up to 300,000 rubles, the percentage will be 29.9% per annum, the grace period is 56 days.To obtain a credit card, it is enough to present a passport and fill out a questionnaire, however, in order to increase your chances of obtaining a loan, it is advisable to provide an additional document, such as a certificate of ownership of real estate.
There are few reviews from the network, and it is impossible to clearly state the advantages and disadvantages. For some, the terms of use of the card are convenient and profitable, while others believe that the interest on the loan is too high.
Map "Corn"
The last option, where you can quickly get a credit card, is the Corn card, a familiar product from the Euroset company. The loan is provided by Renaissance Credit Bank on the following conditions: credit limit of 300,000 rubles, grace period of 55 days, interest rate of 24% per annum.
There are only positive reviews about this card, users receive bonuses for purchases with the card. In addition, you can issue it not at the bank, but at the Euroset mobile phone store. Requirements for borrowers are quite loyal, so the registration procedure does not take much time.
Conclusion
It is possible to get a credit card in a short time, there are a lot of options. It is very important to make the right choice, because the conditions in banks vary greatly. It is important to remember that the less conditions, the greater the cost of a cash loan.
