Where is it better to draw up credit cards from the age of 19: under the passport, online application, without references

The development of lending has made it possible to obtain a loan in a few minutes. Banks do not require a certificate of income, guarantors, quickly check documents and establish minimum requirements for customers. Today even credit cards are issued from the age of 19, that is, to students who do not have a permanent source of income. More details on how to arrange and receive them, read on.

Prerequisites

Students can take advantage of not every bank product. Credit organizations usually issue cards to people over 21 years of age. In international practice, it is the persons who graduated from the institute who have a small but stable income are considered more reliable. But a few years ago the situation changed. Banks began to offer programs for which even a student can register a credit card without leaving home. The final decision largely depends on the income level of the potential client. . Availability of the scholarship is welcome . But before applying for a card, you must calculate all your income.

goal

Reducing the requirements for customers is done in order to expand the client base. Therefore, many banks are ready to issue a credit card without confirming the level of income. And even an unfavorable market situation, an increase in the risk of non-return of funds could not significantly affect the situation. Potential borrowers should understand that credit cards with 19 years of age without proof of income are issued at an inflated interest rate.

Youth Cards

A credit card for students can teach how to effectively use the funds, plan expenses and service the loan. Such cards usually set a small limit, so as not to get into debt to the ears. With such a limit, you can buy the thing you like, pay off the debt with scholarships and not pay interest. The credit card for students is usually made out on two documents, gives the chance to accumulate bonuses and receive discounts. It has an original design and a low maintenance cost.

How to apply for a youth credit card?

The first step is to study the offers in the market in detail and choose a bank. The conditions of some banks for servicing youth cards will be presented later. The next stage is the filing of an application and approval of a credit limit. There are two ways to do this:

• Visit the bank, fill out a questionnaire and collect a full package of documents;
• Issue an online application through the site and receive confirmation of the approval of the loan.

The borrower must meet certain requirements. The time for consideration of documents ranges from several hours to several days. To issue a card in any bank you need a passport of a Russian citizen. As a second document, you can submit:

• international passport;
• military ID;
• driver's license;
• Certificate 2-NDFL;
• INN;
• Copy of work book, etc.

Submission of the second document will allow obtaining a card on more favorable terms, for example with an increased credit limit or with a reduced rate of service.

Renouncement

The bank may refuse to issue the card without explaining the reasons. Most often, the prerequisites are the absence of a permanent source of income, a propiska is not in the region of residence. But this does not mean that the client will not be able to use the credit card at all. Often factors that are significant for one bank may not be so important for another credit institution. If you are denied a single bank, do not get upset, because you can always fill out an application for a credit card in another institution. Therefore, applications for credit cards from 19 years are worth sending to several institutions at once.

Maps over the Internet

Online application for the issue of the card is practiced by many credit institutions. Usually, it is a brief information about the customer, who was interested in a particular product (full name, phone number, desired time for the call). The manager processes the information received and calls up the client to invite him to the office to collect more detailed information and discuss specific service conditions.

Actual customers can place an online application for the issue of a credit card. All information on the potential borrower from the bank already exists. It remains only to determine the credit limit, issue a card and transfer it to the client. In this case, you have to wait a couple of days until the card is mailed by registered mail.

Before ordering credit cards from the age of 19 via the Internet, you need to choose the most advantageous offer on the site, focusing not only on the maximum credit limit, the annual rate, but also on a monthly fee, a commission for conducting operations. It is also important to make sure there are ATMs in the city of residence. Otherwise, you will have to pay an overcharge for withdrawing funds from your account.

There are also those banks in which the online application replaces the paper counterpart. In this case, it should contain detailed information about the client. Most often, they ask for passport data, phone number, region of residence. All the information provided is checked through the Credit History Bureau. During the day, from the moment of sending the request to the client, the representative of the financial institution communicates, answers all the questions and tells about the terms of service. If they arrange a client, the bank issues a credit card and sends it to the client by mail. Activation is usually done through an ATM or by a customer's call to the service center.

Which banks issue credit cards since 19 years?

Credit cards allow you to save time on purchases. But to issue such a payment instrument is rather difficult. Not all organizations are ready to issue a credit card to a young student who, with the exception of a scholarship, does not have other sources of income. The same organizations that offer credit cards since the age of 19 (Alfa-Bank, MDM, Avangard) set a 50% rate for such products. Such a payment instrument is intended for non-cash payment of goods. Therefore, a higher rate is set for withdrawal of funds through an ATM. Usually it is 5% + a fixed amount. Let's consider more detailed market conversions.

Tinkoff

The bank is the leader of the domestic market for issuing plastic credit cards without certificates. How old can I get a credit card? From 18 to 70 years. Limit on one borrower is limited to 300 thousand rubles. Moreover, the bank offers the lowest rate in the market for similar products - 24.9%. This also affects the excessive demand from customers. Terms of service are considered individually for each client.

"Bank of Moscow"

This credit institution without a certificate of income draws up such credit cards from the age of 19: "Low interest" (classical and gold), "Gift to the shrine". For using the maximum credit limit of 350 thousand rubles. The bank charges 29.9% per annum. Servicing of classic maps is free of charge. The holder of a gold credit card will have to pay 1.5 thousand rubles. Within 50 days after the transaction, interest on the debt is not accrued.

"Renaissance Credit"

This bank draws up a "Transparent Card" with a limit of 300 thousand rubles. At 24-40% per annum. The product is available to customers aged 20-70 years. The process of registration takes 15 minutes. The annual fee for servicing the card is 900 rubles.

"Russian standard"

Credit cards from the age of 19 "Russian Standard" issues. The organization has a very interesting proposal. The RSB World Cash Back card is issued to customers aged 25-65 years at 29% and above. For the use of the card, the holder needs to pay 950 rubles per year. The card is issued not instantly, but within three days after receiving the application from the client.

Sberbank

The "Youth credit card" can be issued at the largest financial institution in the country. This product is available to customers from 18 to 30 years. The amount for which a potential borrower can count is from 3 to 200 thousand rubles.

Gazprombank

The offers of this bank are more like an overdraft than a full credit card. The Bank offers its customers the opportunity to obtain a loan in the amount of two average monthly salaries (a maximum of 500 thousand rubles.) At 20% per annum. This service is available to persons who have reached the age of 20 years.

URALSIB

The credit institution offers all those who wish at the age of 20 years to issue classic Visa and MasterCard cards with a limit of 10 to 500 thousand rubles. The service fee depends on the documents submitted. If the client was able to confirm his income level, he can expect 21% per annum (18% - in foreign currency). For everyone else, cards are provided at 24% per annum (21% in foreign currency).

Raiffeisen Bank

The credit institution offers all those who wish at the age of 18 years to issue classical cards with a limit of 15 to 150 thousand rubles. The service charge is 24%.

Conclusion

Credit cards under 19 years are designed specifically for students and young people who have a small but stable source of income. Such products are provided with a small credit limit and moderate rates. Not every financial institution is ready to provide loans to a student. But among domestic banks you can choose the best option.