A significant role in financial transactions is played by a plastic card. With its help, you can easily pay in supermarkets, replenish the account on the phone, pay for housing and communal services, buy goods in online stores, as well as transfer money. How to get it, we’ll take care further ...
1
Before creating a plastic card, decide what exactly it will be for. If you need to transfer funds to the bank at a certain profitable percentage, you should draw up a debit card. If you intend to receive a renewable loan, start a credit card. These two varieties of cards are similar in that they can be used for calculation at the ATM, for payment in the store, network services or shopping through the Internet.
2
Select the bank. Carefully read the interest rates, which are charged by the bank for a loan or debit, as well as with the amount of commissions for servicing a bank account. Make a decision only after dealing with all points of service of a future plastic card and you will be sure that you want to choose this credit institution.
3
Each bank has its own requirements and conditions. Find out what conditions are in your bank. As a rule, a person who wants to start a card needs to be a citizen of the Russian Federation with age from 21 to 70 years. In addition, the client should have a work experience of at least one year and a stable income of 9,000 rubles per month.
4
Prepare all the required documents in advance: a passport of a citizen of the Russian Federation or a document proving your identity. There are banks in which they are asked to present a copy of the work book or a certificate of income for everything else.
5
The bank’s office will be provided with a questionnaire and an application for filling out. Feel free to contact the bank employees for help if there are any problems or difficulties with filling out documents.
6
The bank makes a decision within two to three days, and a card is made in one to two weeks. By phone or mail, you should receive a notification of decision -making regarding your application. Having received a positive answer, you can come to the bank in two weeks in two weeks and pick up your plastic card.
Be careful when signing contracts, carefully study the terms of the bank and its interest rates in order not to get an unpleasant surprise after some time.
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