Credit card online passport application. Credit cards without certificates
Since in the vast majority of banks, take out 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 resolved for holders of salary cards of the same bank where the borrower draws up the card. A stable income will be the best guarantee for a financial institution. In fact, when signing a double agreement in one bank (for a salary and a credit card), one additional point is indicated. It states that in the absence of the required monthly payment and the formation of an overdue debt, the write-off from the salary card will be automatic. Namely, without obtaining additional consent from the client (if they are there, of course).
Credit Cards by Passport with Instant Solution
Now this banking product is available not only to the unemployed, but even to a person without registration in the passport. The thing is that banks are interested in the maximum possible amount of lending. Here we are no longer even talking about 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 arrange loans at a higher interest rate.
If you want to receive funds in your hands urgently (in one day), then you should go to the bank branch and issue the card in several stages:
- Provide the available documentation (a photocopy of the passport with the original).
- Write an application for a specific type of banking product.
- After that, the bank employee takes a photo of you along with the card.
That's all, after that the client receives the card in his hands and can, if necessary, withdraw funds from it. In this situation, you should also pay attention to the fact that if you need to receive cash from a 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 took from the credit card.
This is how you can get a loan with a grace period in 20 years in 5 minutes. That is, if you return the funds within the specified period, you will not have to overpay for the use.
Obtain a credit card using a passport without certificates
Do you want to get a card without a passport and without refusal? This will require an online application for a card with an overdraft of 50,000 rubles. This, for example, since it will be very difficult to get a loan for large amounts without confirmation of income.
The advantages of an online solution to the issue of revolving lending:
- You can get the card quickly, and by mail, with home delivery (it will take no more than 15 minutes for approval).
- Registration is possible from the age of 18.
- The "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 ability to issue plastic cards with a credit limit. To attract the maximum number of customers, banks offer various promotions (for example, a grace period for using a credit card of 50 or 100 days) and simplify the very procedure for obtaining a banking product.
Today, more and more banking organizations issue credit cards with only one document - a passport. And the 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 take 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 banking 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 job for more than 6 months in more financial institutions is not required. It is these conditions that make it possible to say that it is easier to get a credit card in a bank than a targeted consumer loan, since in the second case, proof of solvency is required.
However, there are a number of disadvantages to the simplified option for obtaining money from a bank (issuing a credit card using a passport). The first 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 he, except for his identification number and other passport data, knows nothing.
The list of banks that issue credit cards with an instant solution for one passport includes organizations whose proposals are discussed below. And about where to get a loan with bad credit, 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 55 days. The annual service is limited to 590 rubles, and the commission for withdrawing funds is 2.9%. The current payment system is Master Card.
Renaissance Credit
Bank Renaissance Credit offers to issue a "Transparent" Standart card at the branch of the institution using one document - a passport. Credit conditions are as follows:
- Credit limit - 300,000 rubles;
- The 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 per year - 590 rubles;
- Cash withdrawal commission - 2.9%;
- Borrower requirement - over 24 years old.
It should be noted that a credit card from Renaissance Credit Bank has an additional Cash Back program, which allows you to return part of the money from purchases: from 1% to 10% within a month.
Touch bank
With instant registration of an application in Touch Bank, a cash back card with 1-3% is issued within a day without checking the place of work, providing certificates and other documents, except for a passport. Terms:
- Maximum loan amount - 1,000,000 rubles;
- The amount of service for the year is 0% with a balance of 50,000 rubles or more or a turnover of 30,000 rubles;
- The interest rate is 15.9 - 36.9%;
- Credit card preferential use period - 61 days;
- Commission for withdrawing money through an ATM - 4.9%;
- Age limit for obtaining plastic: 21-65 years old.
- Additional Features: Bonuses of 8%.
Raiffeisenbank
In the bank, the decision to issue a card is announced on the day of application. The 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;
- The annual service is 750 rubles;
- The credit 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 a loan must meet the following criteria: have citizenship and residence permit of the Russian Federation.
OTP Bank
In OTP bank you can take a MasterCard Standart or Gold credit card. The tariff service is as follows:
- The cost of service for standard plastic is 600 rubles. and for gold - 1800 rubles;
- Interest rate for non-cash transactions (): 23.9%;
- Grace period - 55 days;
- The maximum loan can be obtained in the amount of 750,000 rubles;
- Cash withdrawal commission: 3.9%;
- The annual service is limited to 900 rubles.
Another bank Russian standard offers a favorable credit card. You can familiarize yourself with the conditions and fill out the application form
Can I get a Sberbank credit card only with a passport?
Banks that occupy the leading lines in, are reluctant to conclude financial transactions with dubious clients (unemployed or those who wish not to advertise the size of their own monthly income and their history of origin).
Today, Sberbank offers many, which differ in their capabilities and requirements for registration (as a rule, they also request a certificate of income and guarantors). However, it is possible to receive a Sberbank card with only one passport during the holiday periods, 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 advantages :
- Using the set 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 of funds;
- Ease of purchasing plastic. It is enough to have access to the Internet and a desire to fill out an application with passport data;
- Regardless of how quickly the product is received, urgent credit cards are no different from regular credit cards.
Fast online application approval is provided in the following financial structures:
- VTB 24 offers the following conditions: a limit of up to 1,000,000 rubles. with an interest rate of 22%. The period of validity of the benefits is 50 days (you can apply online via the Internet bank);
- In Rosbank, the credit limit is 1,000,000 rubles. As for the interest rate, its size was 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 accruing interest for 100 days;
- Uralsib will give out 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%. The benefits are limited to 56 days;
- Citibank offers a credit limit of RUB 600,000. and a fairly low interest rate of 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 preferential limit is valid for 55 days.
So, to become the owner of one of the proposed cards, it is enough to fill out an online application on the official website of the selected bank. Personal data (full name, date, place of birth) and passport are indicated in the application for a credit card. 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 receiving the card is 1-3 days. Approval, as a rule, occurs instantly and the bank employee calls back within 5 minutes. The rest of the time is spent on plastic manufacturing and delivery.
Passport credit cards with instant solution are available on our website.
Passport credit cards with instant decision without refusal
Let's take a look at the most profitable instant credit cards that you can apply for online.
Credit card "Tinkoff" Bank
The main advantage of the Tinkoff credit card is an instant decision. You just need to submit an online application, the consideration takes no more than 5 minutes. The maximum loan amount is 2.000.000 rubles, if you do not need that much, you can apply for up to 300.000 rubles only with a passport. Guarantors and a certificate from work 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 bank "Orient Express"
The approval rate for 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 acceptable conditions. Guarantors and work certificate 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
Renaissance Credit bank credit card
The card is beneficial for the bank's clients 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 issue on the day of application, no commissions and free annual service. The amount of up to 200,000 rubles is drawn up with a passport, a certificate from work is not needed.
- Up to 200,000 rubles with a passport
- 0% on all purchases from 24 to 60 months
- Percentage - from 15.9%
- Age - from 20 years
Credit card from Touch Bank
An interesting offer among credit cards, thanks to the largest credit limit - up to 1,000,000 rubles. When registering such a large amount, you need a passport of a citizen of the Russian Federation, you do not need a certificate from work. Another advantage is Cashback from 1% to 3% from all purchases. You can order the card only online, the decision within 1 day. The card is delivered to your home.
- Amount up to 1,000,000 rubles
- Documents - only passport
- Percentage - from 12%
- Age - 21 years
Passport credit cards with instant online solution
Credit card of the bank "UBRD"
Credit card "Maximum" from UBRD is really issued instantly, after approval, you will be issued a card within 30 minutes, then you can immediately use it. When registering, have a passport and a 2-NDFL certificate with you
- from 30,000 to 60,000 rubles. without income certificate
- from 30,000 to 150,000 rubles. with income statement
- Percentage - from 27%
- CashBack - 1% for any purchases made with a card without any amount limit
An article on credit cards for a passport with an instant solution online application - prepared by nazar2292
Apply to banks whose programs provide at least two basic conditions.
- For registration only a passport is required. That is, you do not need to waste time preparing additional documents. For example, income statements.
- An instant decision is made on applications. Accordingly, you can find out the bank's verdict within a couple of minutes.
Another nuance that accelerates access to credit limit funds is the issue of a card. Some banks use instant plastic payment instruments. That is, you don't need to wait for its production. An unnamed card is 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 needed to get a credit card?
If we evaluate all the existing proposals of banks, then a passport of a citizen of the Russian Federation is sufficient to obtain a credit card. A large number of commercial structures provide the product in question only upon the provision of one main identity document. Therefore, it will not be difficult to choose the right offer.
Can I borrow a credit card using a copy of my passport, since I can't find the original?
Not. There is no way to replace the original of a civil passport. Neither any other document nor a copy of it. Even if it is notarized. To obtain a card, the provision of at least an original passport is a prerequisite in all banks of the Russian Federation.
Credit cards are issued according to a passport, without guarantors. You will need a passport of the Russian Federation and a second document to choose from: a driver's license or an international passport, a certificate of pension insurance, a certificate of tax registration or a military ID (for persons under 27 years old). A proof of income often helps you lower your credit card interest rate.
Credit cards with a passport with a grace period
A credit card solves recurring financial issues with minimal losses. In the proposals of some banks (for example, Alfa-Bank and Tinkoff Bank) there is a grace period during which no interest is accrued for use.
The main advantage of such cards is the speed of registration. There are other quite significant advantages of using credit cards. For example, a potential borrower will need a minimum set of documents to complete them. The application can be submitted online on the official websites presented above. We also recommend that you familiarize yourself with our monthly credit card rating based on ratings and reviews from real customers.
Security of funds and payments
All banks represented in our rating provide guarantees for the safety of funds. The lost card must be restored. If you have not shared your PIN code with anyone, you can be 100% sure of the integrity of your funds. Whichever of the offered cards you choose, the history of payments can be tracked in the Personal Account. Now every penny is under your control!
Can you save money?
The banks recommended by our service often hold various promotions, develop bonus programs, in cooperation with retail chains. 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 reward for delivering the card by courier. Therefore, before using such a service, it is worth finding out if it is free.