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People with a poor credit history may wonder: are there credit cards that get approved for everyone? It is no secret that banks view borrowers who have previously been irresponsible in fulfilling their credit obligations with disfavor. Therefore, such people may find it difficult to get a credit card. We will explain whether there are credit cards that absolutely anyone can get, and under what terms they are issued.
Are there credit cards that get approved for everyone?
Any credit institutions, whether banks or microfinance companies, are required to submit information about potential borrowers and clients to Credit History Bureaus. This is necessary so that future lenders can verify a person's information. Specifically:
- How they handle their obligations — whether they allow late payments or make early payments. In short, checking credit history is primarily necessary to find out how responsibly a borrower treats their credit obligations.
- Whether they have other loans and microloans. If a borrower has many other loans, microloans, and credit cards, they may be refused a new credit card.
- What their debt load is. Most credit institutions refuse lending if the debt-to-income ratio exceeds 50% of salary. However, if the borrower has additional sources of income, they can confirm them. In that case, their debt load indicator will be lower.
There are no banks ready to issue credit cards to absolutely everyone. However, some credit institutions are lenient toward clients with a poor credit history and may overlook past payment delays on other loans.
How easy it is to get a credit card depends on a person's credit history and credit score:
- Borrowers with a good credit history who have never missed a single payment on loans and borrowings in the past are very likely to get a credit card. However, the probability is not 100%, as the credit score is not the only factor banks look at.
- People who have had minor payment delays (by 1-2 days) in the past also have a chance to get a credit card, but it is slightly lower. At the same time, getting a credit card is much easier than getting a consumer loan, so the approval rate is high.
- If a borrower has previously had significant payment delays, or even legal proceedings and bankruptcy, they are unlikely to get a credit card from major and popular banks. However, they can try applying to newly opened and lesser-known credit institutions, where getting a credit card is much easier.
- If a person has a blank credit history, it may be difficult for them to get a credit card with a large credit limit. However, a small amount is very likely to be approved—for example, from 5,000 to 10,000 RUB.
What are the terms for getting a credit card with a poor credit history?
If a person has a poor credit history, they still have a chance to get a credit card. However, the lending terms will not be as favorable as for people with a high credit score:
- Small credit limit. If a borrower has a low credit score, a large amount will not be approved. Most banks will offer them the minimum limit of 5,000-10,000 RUB.
- High interest rate. Overpayment for using money on credit cards is already higher than on regular consumer loans. But for clients with a poor credit history, the interest rate will be close to the maximum. In some banks, the overpayment on credit cards reaches 69.99% per annum.
- Stricter requirements for holders. If a person does not have a very good credit history, banks will impose stricter requirements on them. For example, they must be a Russian citizen with permanent registration in a region where the bank has a branch. They will also need to have an official income that can be confirmed with certificates, and stable employment.
- Need to provide additional documents. Usually, banks do not require income and employment verification to approve a credit card. However, borrowers with a poor credit history can provide additional certificates to increase the likelihood of application approval or raise the credit limit.
Who can get a credit card without a credit history check, and what is required for this?
Usually, banks do not impose special requirements on clients applying for a credit card. But when it comes to a borrower with a low credit score, the criteria they must meet are as follows:
- Russian citizenship;
- permanent registration in a region where the bank has a branch;
- age from 21 to 70 years;
- work experience at the current job of at least 3 months;
- total work experience of at least 1 year;
- A permanent source of income;
- no criminal record.
It is worth noting that these requirements are not fixed and may differ at the bank chosen by the borrower. Therefore, before applying for a credit card, we recommend checking the requirements for future cardholders in advance. This will help reduce the chance of rejection.
As for documents, getting a credit card requires a Russian internal passport and additional certificates that can confirm the borrower's solvency and stable employment.
Where can you get credit cards issued to everyone in 2024?
As already mentioned, there are no banks that issue credit cards to everyone indiscriminately. But there are companies that are lenient toward borrowers who had payment delays in the past. For example, we have selected the top 3 banks with a high approval rate.
"SberCard Credit" from Sberbank
Issuance: free
Maintenance: free
Transaction alerts: free
Credit limit: from 10,000 to 1 million RUB
Grace period: up to 120 days
Interest rate: from 9.8% per annum
Cash withdrawal: free for the first 30 days after receiving the card, then subject to a 3% fee, but not less than 390 RUB
Transfers of borrowed funds: free for the first 30 days after receiving the card, then subject to a 3% fee, but not less than 390 RUB
Cashback: up to 30% for purchases at partner stores
Borrower requirements: Russian citizenship, permanent or temporary registration in Russia, age from 18 to 70 years
"VTB Card of Opportunities" from VTB
Issuance: free
Maintenance: free
Transaction alerts: 79 RUB per month
Credit limit: up to 1 million RUB
Grace period: up to 200 days
Interest rate: from 9.9% per annum
Cash withdrawal: free up to 100,000 rubles in the first 30 days after receiving the card, then with a fee of 5.9% plus 590 rubles
Transfers of borrowed funds: free up to 100,000 rubles in the first 30 days after receiving the card, then with a fee of 5.9% plus 590 rubles
Cashback: up to 25% for purchases in categories, up to 50% for purchases at partner stores
Borrower requirements: Russian citizenship, permanent registration in the region where the bank operates, stable income from 5,000 RUB per month
“Т-Банк Платинум” от Т-Банка Банка
Issuance: Free
Maintenance: 590 рублей в год или бесплатное с подпиской “Т-Банк Pro”
Transaction alerts: 59 RUB per month for T-Mobile numbers or 99 RUB per month for other numbers
Credit limit: from 15,000 to 1 million RUB
Grace period: до 55 дней на обычные покупки, до 120 дней на погашение задолженностей по кредитным картам, оформленных в других банках, или до 180 дней с подпиской “Т-Банк Pro”, до 12 месяцев на покупки в магазинах-партнерах
Interest rate: from 12% per annum
Cash withdrawal: with a 2.9% fee plus 290 RUB
Transfers of borrowed funds: free up to 50,000 RUB per month, then with a fee of 2.9% plus 290 RUB
Cashback: 1% for regular purchases, up to 30% for purchases at partner stores
Borrower requirements: Russian citizenship, permanent or temporary registration in Russia, age from 18 to 70 years
Limit
period
Halva credit card from Sovcombank 
MIR credit card from Russian Standard Bank 
MTS Dengi Zero credit card from MTS Bank 
Vozmozhnosty Credit Card from VTB 
Uralsib 120 Days Maximum Credit Card Conclusion
Let's summarize. There are no banks that issue credit cards to absolutely everyone. However, if a person has a poor credit history with past payment delinquencies, court proceedings, and even bankruptcy, they can still increase the likelihood of loan approval. To do this, they need to provide certificates confirming income and official employment.
