Credit card without work

Official employment and a potential salary obtained by a potential borrower is the main parameter in the assessment of its solvency. Nevertheless, options for making credit "plastic" for individuals without employment still have.

Is it possible to file a credit card without work

It is worth notifying that any bank institution will not give a banknotes to the unemployed candidate who does not have any sources of income. The same consumers who are not employed, but have other stable financial revenues, some lenders are ready to provide their product. At the same time, the potential borrower will need to convince the Bank in its solvency and confirm a stable financial situation by providing, for example:

• the right-pointing documents on the owned liquid property;
• extracts for the applicant's current bank accounts with turns on them - stable constant receipts;
• paper on the presence of existing contributions, securities, etc.

Confirmation of solvency are both documents related to the expenses of the candidate committed at the expense of its own money. For example, this acquisition of assets and their insurance, regular waste for expensive events and purchases, foreign trips, etc.

In addition, the unemployed candidate has the right to offer an additional provision of product to the lender. For example, the pledge of liquid property. Another option is to attract a guarantor / coacher, which has official employment and the relevant creditor requirements.

When analyzing a candidate without employment, the program will issue a decision on refusal, based on the applicant's inconsistency with minimal requirements. At the same time, the result of the assessment of its solvency into account will not be taken. Therefore, the unemployed citizens should, first of all, pay attention to institutions that do not require compulsory employment. These include, for example, Tinkoff, Russian Standard, Renaissance Credit, Moscow credit.

The main conditions for the products of these institutions * are presented in the table:

How to get a credit card without work

1. Submitting an application for a product that is possible without providing certificates of salary. To date, many banking organizations offer to issue a passport card and an additional document - passport / rights / PTS / certificate of the INN / Polis of the Medustration, etc. At the same time, the internal policy of the institution should be based on a loyal attitude to an officially unemployed candidate. Among such organizations, for example, VTB24, Bank of Moscow, Zenit Bank, Alpha Bank.
2. Appeal for "plastic" in the institution, whose client the applicant is already. Any bank is ready to provide a credit card to its depositor or the owner of the debit card. Perhaps this option will be the most effective way to obtain "plastic" by the unemployed consumer. However, the possibility of making a loan product will appear in a minimum of six months from the date of placement by the consumer of the contribution / decomposition of the debit card.