No special skills are required to get a credit card quickly. To do this, it is enough to clarify in advance what documents a banking institution requires to issue a card. Quite often, the registration depends on the procedure followed by the bank to approve the borrower.

This includes nine filters that include the following factors:

1. Socio-demographic. Banking institutions regularly analyze the regions of the Russian Federation for the bona fide payments. That is, they look at which region you are from, and if its population is more likely to have a bad credit history, then you are more likely to be refused. Also, when visiting a bank branch, employees always evaluate your appearance, how expensive and neat you look. On this basis, they can approve or deny the loan.
2. Solvency. To do this, banks require a certificate of income, which also undergoes verification of their authenticity through the FIU, the prospects for earnings in another similar position are analyzed, etc.
3. Employment. The place of work is extremely important for the bank, if it is a stable and stable company, then the banks will approve the loan.
4. Credit history. Its poor performance will negatively affect the decision.
5. Scoring. Here the analysis of your income and whether you will be able to pay off the loan that you are asking based on it.
6. Penalties and Violations.
7. Social network and status in society. Having compiled a psychological portrait of your personality, the bank will understand how you are a respectable borrower.
8. Contact details. All numbers left in the application will be called to confirm their correctness.
9. Guarantors and bail. Their verification is carried out no less thoroughly than the borrower himself.

Fast processing of a credit card without certificates and guarantors

The fastest credit cards are considered instant. Their registration has quick approval, and some banks provide it within a couple of minutes, hours or on the day of application.

Instant credit cards are also easier for people with bad credit history to get. This, as already mentioned, is due to the fact that with a quick decision, banks do not arrange checks. An instant credit card can be obtained immediately after approval by visiting a bank branch.

The fastest credit cards include cards:

• Platinum from Russian Standard Bank and Tinkoff. Their registration takes place within two to five minutes.
• Also, a profitable fast card will be a credit card "120 days without interest" from UBRD.

The most affordable and fastest in registration is a card with an established limit. It allows you to always have money with you and use funds without paying interest. If you want to buy something in a store, pay for purchases on the Internet or make a payment for utilities, the card will come in handy.

What are the conditions for obtaining a credit card in Moscow?

Banks issue different types of cards, which differ in status, payment system, technical characteristics. Bank credit cards are:

• Classic. The card's capabilities are minimal: a small credit limit and a standard set of services.
• Gold. They contain more favorable terms of service, an increased limit and the ability to pay for purchases with discounts.
• Platinum. These are privileged cards that include additional features and convenient service.
• Co-branded. They allow not only to use bank funds for the entire grace period, but also to receive bonuses that can be spent in partner stores of the bank.

A credit card is issued at bank offices or online on websites. On what conditions can I take a credit card:

• with a grace period;
• service is free or paid;
• amount - from 15 to 500 thousand rubles. (the amount depends on the amount of income);
• the ability to pay for purchases in stores and on the Internet with discounts and bonuses.

The credit card is beneficial exclusively for cashless payments. For withdrawing money in cash, a commission of about 3-4% is charged. The grace period does not apply to withdrawals.

You can order a credit card in Moscow at almost any bank. Consideration of the application and registration takes 15-30 minutes. At the same time, many do not require confirmation of solvency. Receive . You only need a passport and any second identity document. Citizens from 21 to 65 years old can buy a credit card. There are also youth cards that are issued to persons over the age of 18.

How to find and choose a profitable credit card?

Compare the offers of all capital banks and choose the appropriate card on our website. The page contains a list of available programs with conditions and rates. At the top of the list are the best deals with low percentages. After reviewing the conditions and choosing a profitable program, you can immediately apply by clicking on the appropriate button on the website. An online application for a credit card in Moscow is considered from 1 to 2 days. You can get the card at the bank's office or anywhere in the city by ordering its delivery to the address.

Each person may face a situation of money deficit: a certain amount is not enough to feel free on vacation, you need to buy tickets, buy a new phone instead of a lost one, and so on. For such cases, we propose to issue a credit card in 1 hour using your passport. Card conditions may differ in Moscow and across Russia.

The minimum rate is 24% per annum, this value can be expected by clients who have confirmed income. If only a passport is provided, the percentage is higher, it also depends on the loan amount.

Features and benefits of a credit card in 1 hour

Quick release, the ability to receive money immediately, without collecting documents - the main advantage of the product. Other advantages:

• grace period for non-cash transactions of 56 days. If the loan is fully repaid, the rate during this period is zero percent;
• the ability to withdraw credit funds in cash from ATMs with a small commission - 4.9% of the amount + 399 rubles. Own funds can be cashed without additional fees only at the cash desks and ATMs of our Bank;
• return of part of the money spent. The size of the cashback depends on the selected category. For any payments with a card, it is guaranteed that from 1 to 10% is charged. Details of the bonus program are described on our official website.
• use of remote services without a monthly fee. They allow you to control the expense of funds from a mobile phone, computer using applications.

The tariff plan provides for the possibility of issuing an additional card for yourself or another person, for example, a child over 14 years old.

To get a credit card in 1 hour using your passport, you need to fill out an online application on our website. The decision is made within half an hour. As soon as the approval is received, it is necessary to bring the documents specified in the application form to the office, pick up the card and start using the money.

If you urgently need a credit card, you can get it almost instantly.

Filling out the application and considering the questionnaire is as fast as possible.

To get a more or less clear picture of the state of the market for instant credit cards, you should study at least 5 different organizations. Today, almost every bank provides an opportunity to get money quickly, but the conditions for different organizations differ significantly.

5 credit cards you can get quickly

Rate

Grace period

Credit limit

Why take instant cards?

Instant credit cards are intended for people who quickly need to receive a certain amount of money and are willing to pay for it. If it takes at least three days to get a regular credit card (and in some banks and for large amounts, the time for consideration of an application reaches 3 weeks), then a similar the card can be received in half an hour.

• However, it is worth remembering that you have to pay for everything: the interest for using the loan will also be higher. When receiving the card, you should specify how long it will take to use the money. In some financial organizations, despite the instant crediting of money to the account, they can be used only a few hours after receipt.
• Also, some banks block the amount on the account of the payer and during this time study his credit history. In this case, the organization reduces its own risks, but for the borrower such a loan ceases to be instantaneous.

The list of documents for such loans is minimal. Typically, only a passport is required. If the borrower wants to reduce the interest rate, then documents confirming his stable financial position may be considered.

These documents include:

• Bank statement
• Certificate of ownership of real estate or vehicle
• international passport
• Insurance policies and more

Advantages and disadvantages

Opinions about issuing instant credit cards are contradictory. Some people think that the game is not worth the candle and the overpayment is too high, while others consider it a decent price to pay for instant money.

The supporters of the first theory note high interest rates, which make up for the bank's uncertainty associated with the inability to objectively assess the client's solvency in such a short time.

Besides, taking a lot of money in this case will not work... Loans are provided for small amounts, which, if the borrower is unable to pay, will not cause serious damage to the financial condition of the bank.

• Plus instant issuance associated with the simplicity of the procedure. You receive the money on the same day, registration takes no more than an hour and you do not need to collect documents for a long time.
• Some banks have gone further: they provide their customers with the opportunity to place an application directly on the site and not sit in the bank for half an hour waiting for a card.

Additional suggestions

• As a rule, after signing the papers and receiving the card, you can immediately use it. However, it is better to clarify such conditions with an employee of the organization. Banks prefer to issue instant loans for a period not exceeding 1 year, this should be taken into account when assessing their own strengths. And overpayments in some banks reach 40%.
• It is better not to take such cards when traveling abroad. Foreign shops do not welcome unnamed credit cards and may refuse to serve you. Therefore, for such cases, it is better to have a full-fledged Visa or MasterCard.
• If the borrower does not plan to cash out, it is worth considering other lending options. In particular, you can apply for an installment card and pay for purchases with it in regular stores. Interest on such cards is lower, and they are issued in almost all banks. Also, some organizations offer to issue an overdraft to quickly and conveniently obtain short-term consumer loans.