Just think about opportunities rendered by a credit card! Aren’t these modern, technological and popular financial services? Anyway, everything has its price and terms. Client cannot get a plastic without providing personal information proved by documents.
What are general conditions to obtain a credit card? In most cases, citizens starting from 18 years old who have a minimum of 6 months of work experience at the current place of work are allowed to apply for a credit card. This is the perfect precondition with some exception for students, migrants etc. who have chances to become owners of a secured credit cards.
For signing agreement with the bank it is necessary to fill out an application in which it is obligatory to specify personal data, contact information, information about work, etc. For identification purposes, a passport or ID are required.
A future client has to honestly disclose the following information to the bank:
- Date of birth;
- Place of birth;
- Registration or postal address;
- Name, family name (in some countries – patronymic name);
- Mobile phone number;
- Full data of passport or ID.
- Taxpayer’s card.
- Record from the place of work (optional).
- Income certificate.
There are several ways to order a plastic other than personally in the bank office. For example, filling an application via the Internet or calling to the call center of the bank. After receiving all the needed info, the bank’s specialists will check the data and make a decision about issuing the plastic. Usually it takes 5-7 business days. Be ready to clarify some data you have provided in your application for a plastic. Retired people or those who receive any social payments from the state must also present a pension certificate or other appropriate document.
How it Works
The list of documents discussed above can be not limited by the listed options. The bank reserves the right to request additional documents from the client to verify data and determine his or her financial status.
After receiving the credit card you need to activate it. This can be done by introducing a PIN code when using the plastic in any ATM for the first time, making a purchase in the store, calling the support service or typing a special sequence of numbers using the phone number of automatic service management.
If you choose to go to the bank to apply for a credit card, queue is perhaps the most unpleasant in this process. Of course, there are a lot of offices, but overall, bank employees are usually very busy with numerous customers. However, it is worth noting that the service can be surprisingly quick, and you can get the problem solved in half an hour. You will be pleased to learn that at some financial establishments all the documents that are needed to issue a credit card are limited only to passport and ID. So make sure you research the requirements of your bank when applying for a credit card.