Advice 1: What credit card is easiest to get

Credit cards offer their holder a convenient and cheap access to borrowed money. This is the reason of their popularity. Plus today, their design has become extremely simple.
What credit card is easiest to get
You will need
  • - passport;
  • - additional document on a choice of the borrower.
Instruction
1
The procedure of registration of credit cards is more simple than a classic consumer credit. They do not require collateral and the involvement of the guarantors. But some banks have gone further and further simplified the procedure for obtaining the card. They propose making no references and proof of income.
2
A number of banks offer to apply for a credit card just to two documents only - passport and any other of your choice. This can be a passport, driver's license, registration certificate car, SNILS, certificate of ownership of the property, a copy of the work. You can choose the document that you will provide.
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Also very easy to get a credit card in the Bank, whose client you are. In this case, the Bank is aware of your financial situation, therefore, for the design often need only a passport. Many banks give credit cards for those who pay a mortgage. It acts as a backup wallet for the borrower. Also often the banks make individual deals on credit cards with a pre-approved limit for payroll customers.
4
What banks have today the most loyal requirements to borrowers? So, to get a credit card with a limit of 300 thousand rubles only on the passport today in the Bank Renaissance Credit ("Clear the map"), Tinkoff ("Tinkoff platinum"), the Bank ("the Elixir Classic"). The possibility of obtaining a card according to two documents without proof of income is possible in URALSIB and Bank of Moscow ("a Low percentage"). In the latter case income will be confirmed indirectly by providing evidence of title, passport stamp, border control or account statements.
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Note that providing the minimum package of documents for obtaining a credit card increases the risk of non-repayment of Bank borrowings. That is why interest rates on such credit cards are higher and the credit limit - less. So if you expect a greater credit limit and lower interest rate, you must provide proof of income.
Note
Among the obligatory requirements for obtaining a credit card is part of Russian citizenship, registration in the region where the Bank operates. Banks often set limits on minimum and maximum age of the borrower (from 23 to 65 years).
Useful advice
In order to get a credit card, don't need to go to the Bank branch. Today, most banks allow you to fill out a form for a credit card online. This gives you the opportunity to save significant time of the borrower.

Advice 2: How to get a credit card Bank Tinkoff

Bank "Tinkoff Credit Systems" offers the citizens of Russia issuing credit cards without visiting the office, providing information and finding guarantors. Loan terms provide the opportunity to use a limit of 300 thousand rubles and not to pay the interest by repaying the debt within 55 days. If you have a stable monthly income, take advantage of the offer and order the card "Tinkoff".
How to get a credit card Bank Tinkoff
Instruction
1
Open the front page of the official website of the Bank "Tinkoff Credit Systems" www.tcsbank.ru. Examine the menu item "Questions", where you can learn the order of processing of the credit application, activation and card usage rates and credit limits, and also read the terms and conditions of banking services.
2
If you are satisfied with the proposed conditions, click on "apply". Under "Start" enter your details: surname, name, patronymic, mobile telephone number, email and address. See the separate item on the consent to the storage and processing of your personal data Bank and provide information about you to credit bureaus. In case of failure remove the tick from the cell in which it is put by default.
3
In the section "Passport data" indicate the series and number of passport, by whom and when it was issued, the Department code, date and place of birth, address, place of residence and date of registration. Then on the tab "Place of work" fill in organization name, work phone and address, position and tenure with the company. Proper execution of this section will increase the chances of approval of the application and the possibility of granting you a higher credit limit.
4
Next step complete the details on the item "Personal information". Enter your marital status, number of children, education, vehicle availability, amount of monthly income, the amount of rent for rental housing, loans to other banks. In addition, when you activate and maintain your card, you need to call the operator's maiden name and date of birth of your mother, so inform them in the questionnaire.
5
Within 5 working days the Bank will consider your request and then informs you of the decision via SMS to your mobile phone or email. You can also track the status of your application on the website: go to www.tcsbank.ru/status/, enter the mobile phone number and the system will give response about the stage of considering your request for loan.
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With the approval of the application for a credit card you will receive mail, but if you live in Moscow, it will be delivered to your home with a representative of the Bank "Tinkoff Credit Systems". To activate, call the special phone - 8-800-555-77-71 and answer the operator's questions, after which your card will be ready to work. Don't forget to put on its reverse side his signature before first use.

Advice 3: What documents need for Bank loan Tinkoff

TKS Bank "Tinkoff Credit Systems" - another successful business project of Russian entrepreneur Oleg Tinkov, which became popular after the appearance on the market of beer "Tinkoff". Today no less popular loan products, which are quite aggressively advertises the Bank.
What documents need for Bank loan Tinkoff
Instruction
1
TCS Bank is a unique credit organization. It is the only Russian Bank that has no office and provide service to clients mainly on the Internet. Due to the economy, which is obtained at the expense of refusal from the office of service, the Bank can afford a large quantity order of promotional products that have flooded the media and Internet. Of course, TKS declared low interest rates and the availability of loans attracts many who want to receive money easily. But reality does not always meet the sweet promises, which are so generously handing out advertising.
2
The activities of the Bank of TKS can be called quite successful – in 2013, he received the title "Bank of the year in Russia" according to the specialized publication "The Banker". People who keep their deposits there is nothing to fear – this credit organization participates in the Deposit insurance system and collaborates with the most popular international payment systems MasterCard and Visa. Her high status in the market of banking services is confirmed by Moody's.
3
Of the credit products the Bank offers to its clients deposits, debit and credit cards. That is, to obtain the loan, you can in the form of a plastic card with a credit limit, which amount can vary depending on frequency of card usage and how regularly you pay your debts. Required monthly payment is not less than 6% of the outstanding amount, in addition, it includes interest and the amount of insurance.
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High interest rate, which in reality is much more promised in the advertisement, can be explained by the availability of credit. Offered today credit card "Tinkoff platinum", OneTwoTrip, insurance and All Airline you can get by filling out the application form on the website and then sending the signed agreement, attaching only the scanned pages of your passport. Data on income in this case do not require confirmation, but the Bank still checks them for their channels, including the database of credit histories.
Note
The credit limit on the card "Tinkoff platinum", OneTwoTrip and "Classmates" is 300 thousand rubles, according to the map of All Airline – 700 thousand rubles.
Useful advice
The promises of TKS is low, compared with other banks, interest on loans, from 24.9 per cent, but in fact she is about 39% and, taking into account the monthly payments of insurance, and even more. Therefore, deciding to get a credit card of the Bank, carefully read the text of the agreement before you sign it and send it.

Advice 4: How to open a plastic card in the savings Bank

Due to the ease of use of plastic Bank cards is widespread. The largest Bank in Russia is Sberbank, so cards are most in demand.
How to open a plastic card in the savings Bank
Instruction
1
To order a Bank card, please contact any branch of Sberbank of Russia. Specify what kind of card you want to credit or debit. Credit allows you to use more funds than are on the map, but you have to return the money to the Bank within the contract period. If you don't do it in time, you will be fined in the end, you will have to return more than you took. Debit cards are safer in this sense - you can only dispose of the money contributed to the account.
2
Select the type of card you need. Sberbank releases of the most popular cards of two payment systems – Visa and MasterCard. If the card you need only to transfer her wages, you can stay on Visa Electron or MasterCard Maestro. These cards are the most cheap and popular, the cost of annual maintenance is about 300 rubles. You will be able to use them in Russia and abroad.
3
If you frequently make foreign trips, you need to map a higher – level Visa Classic or MasterCard Standard. These cards are better protected, moreover, you will find it easier to use them abroad due to the fact that these card types are supported by a large number of ATMs and outlets. The annual service fee for such cards will be about 1000 rubles a year.
4
There are more expensive cards, e.g., Visa Gold and MasterCard Gold. They are usually given to those who value status. Cards of these types have additional features that their owners get various bonuses and discounts in retail outlets around the world. But the cost of maintenance of such a card above.
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After you choose the required card, the employee of the savings Bank will record your passport details and cell phone number. After that, you will have to wait one to two weeks before your card will be made. Upon receiving be sure to connect service "Mobile Bank", this will allow you to always be aware of all the abuses committed on your card transactions.
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During the receipt and activate the card you will be given a sealed envelope with a pin code of your card. The pin is a four-digit security code is required to confirm that you are the card holder. In particular, the pin code must be entered when withdrawing money from an ATM. Never, under any circumstances, call anyone that code. Do not write it down on the map – in case of loss the finder map people will be able to easily take advantage of and withdraw all your money. Remember the pin-code envelope and keep it in a safe place protected from access of outsiders.
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