Receiving in any bank a credit cardis a minute affair. Financial structures usually with great pleasure provide for the use of the client any amount of interest, which can be called small. However, in some cases it is difficult to issue a credit card with a bad credit history. It is necessary to understand whether this is really so.
Credit history is a representation of the wholeinformation on how timely you were paid the previous loans, in the form of a kind of report. It includes everything: goods on credit, mortgages, as well as closed cards. Most users become aware of their credit history only when they apply to a financial institution for another loan. However, almost no one realizes that he has the right to a special request to the Central Catalog of Credit Histories, from where he will be given all the necessary information for free. However, without payment, such a certificate is issued only once a year. If there is a need for a multiple verification of such a story, then it will be necessary to pay. In addition, there are a number of online services through which you can get for a modest fee the necessary information about problems with previous loans, as well as various delinquencies.
So, the information you received, but your namereally turned out to be a list of "dysfunctional" clients. However, this is not a reason to lose heart, some banks issue credit cards with a bad credit history. But we will approach this gradually. It is necessary to consider in detail all the points.
First you can find out how to fix it yourselfcredit history. The implementation of this is possible with certain actions. The information of the bureau may contain information that you have become a debtor of a certain bank, but you know for sure that your old debts have been repaid in full. In this case, you can recommend to apply to this credit institution, take a certificate from him, which will contain information about the performance of your debt under the specified contract. The received document should immediately be submitted to the credit history bureau so that incorrect information about you has been corrected. You must attach a copy of this certificate to the application for a loan. In this case, you have the opportunity to correct inaccurate information.
If you are wondering how you can borrow frombad credit history, then the probability is high that the situation is as follows. Payments on existing loans became overdue due to quite objective reasons. In this case, the bank is required to provide documents that will serve as confirmation of this. For example, you had a disease or because of the authorities for a long time they did not receive a salary, or, in your life, there were other circumstances from the category of force majeure. If the violations are actually there, then it will be difficult to make the credit history crystal clear. But it can still be corrected to the extent that you can apply for a loan with a bad credit history. Banks that give credit can respond better to such a client than to a person who has a bad credit history. When applying to a financial institution for a credit card, it is likely that one of them receives data about CI clients from the wrong office where there is a dossier on you.
All financial institutions must checkdata on credit histories of potential customers, it's just that some employees do not treat this very carefully. There were a lot of cases when people issued a loan with a bad credit history in Sberbank. While the audit there is quite thorough, most of the time employees make concessions to customers, giving them a loan of the required amount of funds.
You can specify several banks that showin this issue, sufficient loyalty: "Tinkoff", "Russian Standard", "Home Bank", Sberbank, "Dzhi Mani Bank", "Renaissance Credit." Numerous stories and reviews lead to the conclusion that all these banks give the client a positive answer almost without delay, even if he wants to issue a credit card with a bad credit history. But for this it is required to observe several very specific conditions. You can consider each of the institutions.
Here is a client who wants to know how to arrangea loan with a bad credit history can offer a very high interest rate, usually it is within the range of 24-79%. The credit limit will be limited (300 000 rubles). It takes 1-2 days, not more. A financial institution can request a certain set of documents, as well as a certificate showing your income.
In this institution there is an opportunity to formalizecredit cards with a bad credit history, take a loan with a maximum limit of 450,000 rubles at 36%. Grace period lasts 55 days. It is possible that you do not need to provide a certificate of income, but documents, in addition to the passport, the bank will be accurately required.
This credit institution allows you to do so,so that a client has a credit card with a bad history for a maximum amount (300,000 rubles) at a percentage that is quite high, 42% per annum. At the same time, the organization will not require documents that confirm the borrower's income. On such a card, the grace period will be 55 days. If the decision is positive, then the card can be obtained literally on the day of appeal.
Such a service is available inmany banks. If you apply for a loan in this way at once to several institutions, it will significantly increase the chances for you that you will soon have your own credit card with a bad history in one of them. And it's pretty convenient. It is possible that you will be able to issue a credit card with a bad credit history in the bank in which you do not have a bad file, so you do not need to overpay the huge interest on the loan.
This bank works in the direction of registrationcredit cards is for online applications, and quite actively. His proposal is tempting due to the fact that many people receive a credit card without a visit to the bank, that is, without leaving their home. Delivery to the customer is carried out at the address specified in the application. For such loans, the borrower's preferred age is within 30-40 years, and this is at a time when the nominal age frames are 24-65 years. An exception was "Tinkoff Bank", where you can count on getting a credit card in the institution itself to people aged 18-70 years.
There are other working ways to issue a loan with a bad credit history.
You can do it in the supermarket. This is called an express credit card. Its receipt is quite simple, but the interest on it is too high.
It is allowed to resort to creditbroker. At the same time, the chances of getting a card become quite high, but the interest rate on it will be incredibly high, as the broker takes quite a solid commission for his work.
If you managed to issue a credit card withbad credit history, then you can recommend you use it regularly, try not to violate the conditions to avoid problems in the future. Thanks to this, your credit history will be corrected to open the way to other banks.
If you decide to issue credit cards with bad creditcredit history, take a loan or enter into other debt relations with the bank, it is required to be as careful as possible when selecting documents to be submitted to a financial institution. Quite often there are situations when a person who does not have a credit history at all, was denied a bank even in obtaining a simple card. And the reason here is very simple. By showing only a passport, it's difficult to prove your solvency. Of course, for most of these credit institutions, advertising shows that ID cards will be enough to obtain a loan, but in this case you must have a simply flawless credit history in order to provoke the bank's confidence.
In the event that your rating is rather weak, thenyou should take care of additional documentation. A credit card with a bad credit history can be obtained on condition that a document confirming employment is provided. If it contains information that the experience of your work in one workplace for more than two years, then the chances of obtaining it significantly increase. The income statement is another document that will only be useful. Provision of bank statements on loans taken earlier, as well as certificates of their successful closure - this is also important papers.
If there is or not a specified packagedocuments you can talk about the impact not only on the fact whether you will be issued a credit card, but also on what terms of lending you will cooperate with the bank. For example, if a client came to receive a card only with a passport, it will, of course, be given, but the percentage in this case will reach 45%. And if you issue a credit card with a bad credit history, a person has come who also provided information on employment and the amount of his payment, then he can reduce the interest rate to 36-38% per annum. It turns out that additional documents do not interfere. So, it's worth spending time on their collection.
Another option - MFIs can give credit with a bad credit history, but the interest will be much higher than the bank's, and the amount is very small.
At the moment, there are a lot of Internetour enterprising compatriots offer services to improve or completely remove credit history. But do not be too flattered, because there are important moments. Often the fee for their services is quite high. And it's important for you to remember that you can not permanently delete your credit history. Therefore, it is worth ignoring such proposals.
First of all, when you became aware of the datayour own credit history, you should analyze the indicators yourself. The first factor of the customer's unreliability is the delay in payments. You should revise your papers to determine whether this is really your fault. It is possible that the bank itself later contributed funds to the account. Sometimes the whole human factor is to blame, when the bureau of credit histories sent not your data, but someone else's, but you suffer from it.
You can get a credit card with bada history in a bank in which you have a deposit, or you receive a salary through it. In this case, you will have insurance in the form of regularly received funds to your account, so it is likely that the bank will be allowed to get a credit card from him.
It is possible to offer and such an unusual option asappeal to a small regional bank. In such an institution, you can "turn a blind eye" to your unfortunate situation, but for other reasons - due to a shortage of cardholders and great competition in this market.
Sooner or later you will be issued a credit card, inThere is no doubt about this. However, it is worth to be sure that the bank that went to meet, will try to protect themselves. You will be given a maximum interest rate with a minimum credit limit. If you agree to this, then this will be your chance to change the credit history. This will require you to use the card and cancel the debt without any delay. The perfect option is a card with a grace period. You will pay it in stores, do not exceed the preferential limit, repay the debt on time without interest, which will improve the credit history.
As you can see, there are working ways to getcredit with a bad credit history. And here there are several ways. And when you get it, do not repeat your mistakes, and then everything will be fine. Now you know how to apply for a loan with a bad credit history.
