What to do if you urgently need a credit card + 3 proven ways to apply

How to get a credit card quickly

Banks offer three ways to submit an application.

• Online

Almost all banks allow you to apply for credit cards online — it's fast and convenient. After receiving an application, they review it within 15-20 minutes and make a decision. Often, a manager will call the applicant back to clarify important details and confirm the desire to receive a credit card.

A card applied for online can be received via Russian Post or by courier at home. The applicant can also pick up the payment instrument at a branch.

Please note! Upon receiving an application, the bank's security department verifies the provided information. Errors, typos, or discrepancies are a direct path to rejection.

• By phone

A convenient method of communication familiar to many. The plus side is that the clerk will not only help with the application but also answer any questions. Since bank calls are recorded, the chances of being treated rudely are kept to a minimum.

• At a bank branch

This method is suitable for citizens who live near a bank or branch. If there is no queue, you can get a credit card quite quickly. If you are not a bank customer, it takes about half an hour to process the plastic.

Requirements for applicants

Citizens who meet the following criteria can get a credit card quickly:

• Russian citizenship:
• registration within the country with a stamp in the passport;

Note! Usually, banks issue credit cards to those with permanent registration, but in rare cases, you can get plastic with temporary registration.

• age from 23 to 65 years old;
• valid passport (not expired);
• working mobile phone and email address.

Cards are not issued to persons currently incarcerated. It is difficult to obtain a banking product for citizens who have served sentences for theft, terrorism, or separatism.

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How to get a credit card quickly — step-by-step application

If you urgently need a credit card, follow our advice.

• Choose a card and submit an application

Our service offers many payment instruments from various banks. When choosing a financial institution, consider the following nuances:

• Bank rating. These are compiled by independent experts.
• Experience in the Russian financial market. Do not trust institutions that have been around for 1-2 years.
• Card programs. For example, cash back. It helps save up to 10% on every purchase.
• Customer reviews. Trust reviews posted on third-party platforms rather than the official website.
• Fill out the application form and send it to the lender

Filling out the application requires a Personal Account. Every client gets one after registration.

By the way, the Personal Account allows you to track all card transactions, make purchases in stores, pay utility bills, and buy tickets.

• Pick up your card using the specified method

Remember that some banks, such as T-Bank, offer remote service only. The card is sent by mail or delivered to the specified address by a courier.

• Sign the agreement

If you pick up the card at the bank, the contract is signed at the office. If you prefer remote cooperation, the agreement comes into effect after activating the banking product.

What to pay attention to when drawing up a contract

When urgently applying for a credit card online, many applicants overlook important details:

• Interest rate. It is much lower in advertising.
• Grace period. It does not apply to all banking transactions.
• Availability of additional services. Many of them are enabled automatically.
• Fees for overdues and banking operations. While you can withdraw funds without commission at your "home" bank's ATMs, you have to pay at others.

Remember! When getting a card with an annual maintenance fee, you immediately become a debtor after activating the product. The amount varies. For some cards, it is 100-500 RUB. For others, it is 8-10,000 RUB.

Which banks issue credit cards quickly

It all depends on the desired limit. The higher the amount, the more certificates are needed. Try contacting the banks described below; we think they will not refuse you.

• T-Bank. Offers several types of credit cards with a limit of up to 700,000 RUB. There are profitable cards for travelers, motorists, and gamers.
• Sovcombank HALVA. A unique banking product with installments up to 18 months and cash back up to 6%.
• Renaissance Credit. A card with a zero-interest period of up to 55 days. No fees are charged for card issuance and maintenance.

You can also try your luck at other banks, for example, UBRD, Alfa-Bank, and VTB.