Credit card online application for a passport. Credit cards without references
Since in the vast majority of banks, taking a revolving loan is an alternative name for a credit card. You can get it right on the day of applying for a passport (without proof of income). Moreover, this issue is simply solved for owners of salary cards of the same bank where the borrower draws up a card. Having a stable income will financial organization the best guarantee. In fact, when signing a double contract in one bank (on a payroll and on a credit card), one additional item is indicated. It states that in the absence of the required monthly payment and the formation of overdue debt, write-off from salary card will be automatically. Namely, without obtaining additional consent from the client (if they are there, of course).
Credit cards by passport with instant decision
Now this banking product is available not only to the unemployed, but even to a person without a residence permit in the passport. The thing is that banks are interested in the maximum possible amount of lending. It's no longer here in question even about the risks, since the interest rate compensates for them. It is no secret that for those borrowers who are not able to confirm their income, the bank offers to issue loans at a higher interest rate.
If you want to receive funds in your hands urgently (in one day), then you should go to a bank branch and issue a card in several stages:
- Provide the available documentation (a photocopy of the passport along with the original).
- Write an application for a specific type of banking product.
- After that, a bank employee takes a picture of you along with the card.
Everything, after that the client receives a card in his hands and can, if necessary, withdraw money from it. In this situation, you should also pay attention to the fact that if you need to receive cash from the card, you should choose such conditions where the commission for cashing out is minimal. This is very important, since in some cases people do not pay due attention when familiarizing themselves with the terms of the CA. As a result, it turns out that the amount of the commission is greater than the amount that the person withdrew from the credit card.
This is how you can get a loan with a grace period in 5 minutes in 20 years. That is, if you return specified period funds, you will not have to pay for the use.
Apply for a credit card without a passport
Would you like to receive a card without a passport and without refusal? This will require online application to receive a card with an overdraft of 50,000 rubles. This is, for example, because large sums It will be very difficult to get a loan without proof of income.
The advantages that the online solution to the issue of revolving lending has:
- You can get a card quickly, moreover, by mail, with home delivery (approval will take no more than 15 minutes).
- Registration is possible from the age of 18.
- "Instant" card is issued without a certificate from the place of work.
One of the main and most demanded offers of any banking institution is the possibility of issuing plastic cards with a credit limit. To attract the maximum number of customers, banks offer various promotions (for example, Grace period using a credit card in 50 or 100 days) and simplify the procedure for obtaining a banking product.
Today more and more banking organizations issue credit cards with only one document - a passport. A decision on the application is made on the day of application. Consider a list of banks that can issue credit cards on a passport instantly or in a short time.
In which bank can I get a credit card only with a passport?
It is convenient and profitable to issue credit cards to a borrower without guarantors, certificates and information about the place of work, since the processing time for a decision to issue a card takes from one minute to a day.
The main rule when issuing a bank plastic product is that a citizen must be over 21 years old at the time of application. At the same time, the provision of a certificate of 2 personal income tax, experience at the last place of work for more than 6 months in more financial institutions not required. It is these conditions that make it possible to say that it is easier to get a credit card from a bank than a consumer targeted loan, since in the second case proof of solvency is required.
However, the facilitated option of obtaining money from a bank (issuing a credit card using a passport) has a number of disadvantages. The first one is higher interest rates. This is explained by the fact that the bank wants to compensate for the risks associated with providing a credit card to a citizen about whom, apart from an identification number and other passport data, he does not know anything.
The list of banks that issue credit cards with an instant decision for one passport includes organizations whose offers are discussed below. And about where to get a loan with a bad credit history, read
Tinkoff
Tinkoff Bank provides an opportunity to issue a Tinkoff Platinum credit card with a maximum amount of 300,000 rubles and an interest rate for non-cash payments from 24.9% to 49.5%. The grace period is valid for 55 days. Annual maintenance is limited to 590 rubles, and the commission for withdrawing funds is 2.9%. Current payment system— MasterCard.
Renaissance Credit
Renaissance Credit Bank offers to issue a "Transparent" Standart card at the institution's branch using one document - a passport. The loan terms are as follows:
- Credit limit - 300,000 rubles;
- Grace period for using the card is 55 days;
- Interest rate — from 24.9% to 37%;
- Payment system: Master Card;
- The cost of servicing the card for the year is 590 rubles;
- Cash withdrawal fee — 2.9%;
- The requirement for the borrower is over 24 years old.
It is worth noting that a credit card from Renaissance Credit Bank has additional program Cash Back, which allows you to return part of the money from purchases: from 1% to 10% within a month.
touch bank
With an instant application at Touch Bank, a cash back card with 1-3% is issued in a day without checking the place of work, providing certificates and other documents, except for a passport. Terms:
- Maximum amount loan - 1,000,000 rubles;
- The amount of service for the year is 0% with a balance of 50,000 rubles or a turnover of 30,000 rubles;
- The interest rate is 15.9 - 36.9%;
- The credit card grace period is 61 days;
- Commission for withdrawing money through an ATM - 4.9%;
- Age limit in obtaining plastic: 21-65 years.
- Additional features: 8% bonuses.
Raiffeisenbank
In the bank, the decision to issue the card is announced on the day of the application. Specialists of the financial organization offer the "Basic" tariff package, which includes the Classic and Standard cards. Design features:
- Interest rate: 24% for people who fill out the income column on the form;
- Annual maintenance is 750 rubles;
- The loan limit is 150,000 rubles;
- The interest-free period is valid for 50 days;
- Age restriction: women can get a card from 21 to 55 years old, and men up to 60 years old. In this case, the person who draws up the loan must meet the following criteria: to have citizenship and registration of the Russian Federation.
OTP bank
At OTP Bank, you can take a MasterCard Standard or Gold credit card. Tariff service is as follows:
- The cost of servants for standard plastic is 600 rubles. and for gold - 1800 rubles;
- Interest rate at non-cash transactions (): 23,9%;
- Grace period — 55 days;
- The maximum loan can be obtained in the amount of 750,000 rubles;
- Cash withdrawal fee: 3.9%;
- Annual service is limited to 900 rubles.
Another bank Russian standard offers a good credit card. You can familiarize yourself with the conditions and fill out the application form for obtaining
Is it possible to issue a Sberbank credit card only with a passport?
Banks that occupy the leading lines in are not willing to enter into financial transactions with dubious clients (the unemployed or those who wish not to advertise the size of their monthly income and their history of origin).
Today, Sberbank offers many that differ in capabilities and design requirements (as a rule, they also request a certificate of income and guarantors). However, you can get a Sberbank card with only one passport during the holidays, when the bank issues special offers aimed at attracting new customers. At the same time, the interest is not the most attractive, and the grace period is minimal.
Where can I apply for a credit card online?
Credit card with instant decision and issuance of one passport has Benefits :
- Using the established limit at any time without the prior permission of the bank;
- Assistance abroad in choosing a currency, paying for services and goods;
- Reliable level of protection Money;
- Ease of purchasing plastic. It is enough to have access to the Internet and the desire to fill out an application with passport data;
- Regardless of the speed of receiving the product, urgent credit cards are no different from ordinary credit cards.
Quick approval of the online application is provided in the following financial structures:
- VTB 24 offers the following conditions: limit up to 1,000,000 rubles. with an interest rate of 22%. Benefits are valid for 50 days (you can apply online through the Internet bank);
- In Rosbank, the credit limit is 1,000,000 rubles. As for the interest rate, its size fixed at 23.9%. Rosbank provides a zero grace period;
- Alfa-Bank provides plastic with a limit of 300,000 and an interest rate of 26.99%. You can use money without interest for 100 days;
- Uralsib will issue a maximum of 500,000 rubles. The rate is 30%. Number of grace days - 60;
- Orient Express provides 100,000 rubles. The interest rate is 30.5%. Benefits are limited to 56 days;
- Citibank offers a credit limit of RUB 600,000. and quite low interest rate- 22.9%. Grace period — 90 days;
- Rosselkhozbank provides cards with 250,000 rubles in the account at an interest rate of 23.9%. The benefit period is 50 days (you can apply online);
- In Tinkoff Bank, you can get a maximum loan of 300,000 rubles with an interest rate of 24.9%. The grace period is valid for 55 days.
So, to become the owner of one of the offered cards, it is enough to fill out an online application on the official website of the selected bank. In the application form for a credit card, personal data (name, date, place of birth) and passport data are indicated. Then the employee calls back to clarify the client's desire to receive the card and the method of its delivery - at the branch or by courier. The first option is free, but you will have to pay extra for delivery.
The total time from the moment of registration of the application to the moment of receipt of the card is 1-3 days. Approval, as a rule, occurs instantly and a bank employee calls back within 5 minutes. The rest of the time is occupied by the manufacture of plastic and its delivery.
Credit cards on the passport with an instant decision, available on our website.
Credit cards by passport with instant decision without refusal
Let's take a look at the best instant decision credit cards you can apply for online.
Credit card "Tinkoff" Bank
The main advantage of the Tinkoff credit card is an instant solution. You just need to submit an online application, consideration takes no more than 5 minutes. The maximum loan amount is 2,000,000 rubles, if you do not need so much, you can apply for up to 300,000 rubles only with a passport. Guarantors and certificate of employment are not required.
- Amount - up to 300.000 according to the passport
- Percentage - from 12.9%
- Grace period - up to 55 days
- Age - from 18 years old
Credit card of the Orient Express bank
The approval rate of this credit card is extremely high, so it is in high demand. The bank has several types of cards, we advise you to choose the "Seasonal" card. It has low interest rates and reasonable terms. Guarantors and certificate of employment are not required
- Up to 300,000 rubles - registration only with a passport
- Grace period — 56 days
- Percentage - from 15%
- Age - from 21 years old
Bank credit card "Renaissance Credit"
The card is beneficial for bank customers and pensioners, because otherwise, the rates are much higher, but if you are a client, then the rate is from 15.9% per annum. The main advantage is the issuance on the day of application, no commissions and free annual maintenance. The amount up to 200,000 rubles is issued according to the passport, a certificate of employment is not needed.
- Up to 200,000 rubles for a passport
- 0% on all purchases from 24 to 60 months
- Percentage - from 15.9%
- Age - from 20 years old
Credit card from Touch Bank
An interesting offer among credit cards, thanks to the largest credit limit - up to 1,000,000 rubles. When applying for such a large amount, you need a passport of a citizen of the Russian Federation, a certificate of employment is not needed. Another advantage is Cashback from 1% to 3% from all purchases. You can order a card only online, the solution is within 1 day. The card is delivered to your home.
- Amount up to 1.000.000 rubles
- Documents - only a passport
- Percentage - from 12%
- Age - 21 years old
Credit cards by passport with an instant solution online
Credit card of the bank "UBRD"
The credit card "Maximum" from UBRD is really issued instantly, after approval, you are issued a card within 30 minutes, then you can immediately use it. When applying, have a passport and a certificate of 2-personal income tax with you
- from 30,000 to 60,000 rubles. without proof of income
- from 30,000 to 150,000 rubles. with proof of income
- Percentage - from 27%
- CashBack - 1% for any purchases with a card without limits on the amount
An article on the topic of credit cards for a passport with an instant decision online application - prepared by the author nazar2292
Contact banks whose programs provide for at least two basic conditions.
- For registration, only a passport is required. This means you don't have to spend time preparing. additional documents. For example, income statements.
- Applications are processed immediately. Accordingly, you can find out the verdict of the bank within a couple of minutes.
Another nuance that speeds up access to funds credit limit, is the issuance of the card. Some banks use instant plastic payment instruments. That is, you do not need to wait for its manufacture. Nameless card issued immediately after signing the contract for the entire period of its validity, or for the period of production of personalized plastic.
What is the minimum set of documents required to obtain a credit card?
If we evaluate all the existing offers of banks, then a citizen's passport is enough to get a credit card Russian Federation. A large number of commercial structures provide the product in question only by providing one main identity document. Therefore, choosing the right offer is not difficult.
Can I get a credit card using a copy of my passport as I can't find the original?
No. Nothing can replace the original passport. Not any other document, not a copy of it. Even if it is notarized. To obtain a card, the provision of at least the original passport is a prerequisite in all banks of the Russian Federation.
Credit cards are issued according to the passport, without guarantors. You will need a Russian passport and a second document to choose from: driver's license or international passport, certificate of pension insurance, certificate of registration on tax accounting or military ID (for persons under 27). An income verification certificate often allows you to lower the interest rate on a credit card.
Passport credit cards with a grace period
The credit card solves periodically arising financial questions with the least loss. In the offers of some banks (for example, Alfa-Bank and Tinkoff Bank) there is a grace period during which no interest is accrued.
The main advantage of such cards is the speed of registration. There are other, quite significant advantages of using credit cards. For example, for their design from potential borrower a minimum set of documents is required. The application can be submitted online on the official websites presented above. We also recommend that you familiarize yourself with our monthly rating of credit cards, formed on the basis of ratings and reviews of real customers.
Security of funds and payments
All banks presented in our rating guarantee the safety of funds. The lost card must be restored. If you did not tell anyone the pin code, you can be 100% sure of the integrity of the funds. Whichever of the offered cards you choose, the payment history can be tracked in Personal account. Now every penny is under your control!
Is it possible to save?
Banks recommended by our service often hold various promotions, develop bonus programs, collaborating with trading networks. When paying by card at some points, customers are entitled to a refund of part of the money spent, the so-called Cash Back system.
When applying for a credit card, please note that some banks have an additional fee for delivery of the card by courier. Therefore, before using such a service, you should find out if it is free.