Most modern people often use banking services. Some make out a mortgage, others do not have enough money to buy a car, and still others are interested in credit cards without income statements. Show an official document confirming the real size of wages, it becomes more and more difficult every year. Indeed, many enterprises pay for the labor of employees by banknotes in an envelope.
For what purposes can I use a credit card?
Modern people may have several reasons for them to get a credit card without an income statement. Someone is guided by the need for round-the-clock access to a bank account and the ability to shop in stores in the absence of cash.
Someone is attracted by the ability to make transfers from electronic payment systems. And someone periodically needs a short-term loan. All of the above needs are best served by a credit card without income statement. If you return the amount taken before the grace period set by the bank expires, the borrower will not have to pay absolutely no additional amounts charged for servicing the loan program.
Advantages and disadvantages of such a loan
Like any other type of loan, a bank credit card without a statement of income has not only positive but also negative sides. The advantages include the fastest design. As a rule, this procedure takes no more than a day. In addition, many banks often offer their customers the so-called grace period, during which no interest is accrued on the use of money. A credit card without an income statement opens up for its owner instant access to the account through payment terminals or ATMs.
The disadvantages of such loans can be attributed to the relatively high interest rates accrued after the expiration of the grace period. You also need to be prepared for the fact that when withdrawing cash from an ATM, you will have to pay up to 3% of the amount taken.
Receipt procedure
There are two available ways to get a credit card. The first involves going to the bank branch, the second - filling out an online application.
Those who plan to get a credit card without an income statement at any of the nearest bank branches need to talk with the manager and question him in detail about all the conditions. The employee is obliged to provide the client with the most accurate and truthful information about the proposed loan programs. After checking all the necessary documents and a short interview, the borrower is given an unnamed credit card. Those who wish to receive a name card will have to wait about two weeks.
A credit card without an income statement can also be obtained via the Internet. To do this, just go to the website of the selected bank, fill out and send an online application. After half an hour, a representative of the bank will call the potential borrower to clarify some of the data. In this case, the credit card will be delivered to your home. Also, upon receiving a credit card, the borrower signs an agreement, which contains a lot of important information. It should show how to return the withdrawn funds back to the credit account.
What documents are needed to receive?
A credit card without an income statement can be obtained on the basis of a specific set of documents, which includes the following securities:
- domestic passport;
- any other document with a photograph, which makes it possible to identify the identity of a potential borrower.
By presenting only two official documents, you can get a card with a fairly high credit limit. To increase the amount, it is necessary to submit additional documentation and guarantees in the form of collateral property to the bank.
How to close a credit card?
Most credit card owners mistakenly believe that to automatically close a loan, simply return all the funds withdrawn. The automatic closure of the account does not lead to the expiration of the card. Therefore, even if a person has not used it for several months, he can still unexpectedly turn into a debtor. To avoid such troubles, it is recommended to perform a certain algorithm of actions.
The first thing you should not forget is that a credit card with a set limit is closed solely on the basis of a written statement by its owner. At the time of application, it is necessary to check with the manager whether all the debt has been paid.
After this, you should ask the bank representative to deactivate all additional credit card services for which commissions are charged. If this paragraph is not fulfilled, the debt may arise after the application is submitted, which means that the borrower will not be exempted from credit obligations. Do not forget that the correct closing of the card with the established limit will prevent unnecessary cash costs.
