How to order a credit card in 2018

You will need
  • - a computer;
  • - access to the Internet;
  • - passport;
  • - documents confirming income (not in all cases);
  • - one of the additional documents from the list offered by the bank (driver's license, international passport, TIN, military ID, etc.).
Before filling out the form on the bank’s website, carefully review the terms of the loan and all related commissions. Often this information is available on the bank website. Various online loan calculators are also helpful. For example, on the website or the RosBusinessConsulting agency. They allow you to see how much you will have to overpay for a specific product of a bank.
If you do not understand something, call the bank call center and ask questions. Ask your employees at a credit institution to tell you the effective interest rate on the loan. In some cases, it is several times different from the stated due to the many hidden commissions.
Find out the list of required documents.In terms of income, many banks trust the client to the word, based on the general situation on the labor market in the region and information about the sources of income indicated in the questionnaire by the borrower. But there are those who need proof of earnings. The greatest confidence is the certificate from the employer in the form 2NDFL. But the document is also accepted in the form of a bank.
Be sure to need a passport. Often, a second document is also required, for example, a foreign passport, TIN certificate, state pension insurance certificate, driver's license, military ID or other. A complete list of possible options depends on the specific bank.
Read the loan agreement carefully before signing it. Especially carefully study all that is written in small print, and various footnotes. Ask bank employees to explain to you all that is not clear.
While the document is not your signature, it is not too late to change your mind. You can later closecard, while there is no debt on it, at any moment, but usually it is connected with some expenses. You will have to pay at least a commission for the issue and annual maintenance of the card.
If you are satisfied, sign the contract and wait for your card to be ready. The term of its manufacture usually takes about a week. Most banks issue a ready-made card to a client on a personal visit. But there are also sending them by mail or even delivering for a fee by courier.
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The most desirable borrowers for banks are highly paid employees with a fully official salary and additional sources of income. Self-employed persons are considered a more risky category. But in general, almost all Russians who had no problems with loans in the past have a chance to get a loan.
Helpful advice
Most banks offer credit card holders a grace period of interest-free lending - on average 50-60 days. The optimal use of such a card is to spend small amounts and pay them off quickly, without waiting for the grace period to expire.
And it is best to live within our means and not to take loans at all.

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