Installment card for the unemployed – help in a hopeless situation

How to apply for an installment card for the unemployed in 2022

Applying for an installment card for the unemployed is no different from ordering a regular bank card. Using our service, this can be done in 10-15 minutes. After clicking the virtual “Apply for a card” button, you need to fill out a short form, entering your passport and contact details, as well as other information, and submit the application for review.

You will be notified of the decision via SMS or a call from a call center specialist.

Basic requirements for installment card applicants:

• Age 18 and older.
• Russian citizenship.
• Registration in the area where the financial institution is located.

Please note! Some banks are willing to issue cards to citizens who have temporary registration.

• Possession of a valid passport and an active mobile phone.

Rarely, but banks may request additional documents: SNILS, a driver's license or pension certificate, a military ID, or an international passport.

Reasons for refusal to issue an installment card to the unemployed

Banks rarely refuse to issue an installment card. There are several reasons for refusal:

• Poor credit history

The lender protects itself and cannot unconditionally trust a client with a tarnished reputation. Financial institutions do not want to cooperate with individuals who have dealt with collection agencies or whose cases have been referred to judicial authorities.

Note! Credit history has its own rating, and various factors can influence its decline. For example, the presence of a large number of short-term delays or one major payment delay. The existence of debt collection orders also damages a client's reputation.

• Typos and errors while filling out the application form

Before submitting your application for review, check that all fields are filled out correctly. If you notice an error or typo, correct it.

• High debt burden of the client

If an applicant has several loans and has additionally applied for an installment card online, they will most likely be rejected. The reason is a high financial burden. The bank may doubt the applicant's ability to repay debts on time.

If rejected, you can reapply after 2-3 months or use the services of other banks.

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Which banks issue installment cards to the unemployed

All offers found on the financial market are designed for users with income. Therefore, before ordering an installment card, you need to ensure a steady income. Only two financial institutions do not require income statements: Sovcombank for the "Halva" card and Qiwi Bank for the "Sovest" product.

• "Halva" is a card with a credit limit of up to 350,000 RUB, which was recognized as the best product by Banki.ru in 2018. Applying for a "Halva" installment card is done through our service and takes no more than 10 minutes. The bank does not ask for an income statement but carefully checks your reputation by submitting a request to the Credit History Bureau (BKI).
• Qiwi Bank is also keeping up with competitors and offers an equally profitable product — the "Sovest" card. The maximum limit is 300,000 RUB, but for individuals who are not bank clients and are applying for the first time, it may be significantly reduced. The installment period is up to 12 months. No fees are charged for the issuance or reissuance of the plastic card.

Alternative options

If you are ready to provide an income statement, you can apply for an installment card from Home Credit Bank. The decision on the application is made within 1 minute, and the grace period at partner stores is up to 12 months. There is also an installment plan for everything, with a term of up to 51 days.

Instead of an installment card, if you are unemployed, you can apply for other banking products with a long grace period:

• Tinkoff Platinum with an interest-free period of up to 55 days.
• Russian Standard with an installment plan of up to 12 months and profitable cashback of up to 15%.
• 100 Days Without Interest Classic from Alfa-Bank with a credit limit of up to 500,000 RUB.

What limit does an installment card for the unemployed allow

Since you do not need to fill in the employment field when applying for "Halva" and "Sovest" cards, you should not dwell on this when speaking with an operator (if they call you back). Even the most loyal financial institutions reject unemployed citizens, citing their insolvency. If you do not have a job but have an average income, do not request the maximum limit. It will be reduced after the application is reviewed.

The limit amount depends on your credit history, social status, and age. Individuals who have turned 18 and are applying for an installment card for the first time will be set a minimum limit.

Is it possible for pensioners to apply for an installment card

Pensioners are not classified as unemployed and are considered by banks to be the most solvent clients. According to statistics, most of them conscientiously fulfill the terms of the agreement. There is no special installment card for such categories of people, but they can apply for any product we wrote about above.

Advantages of installment cards for the unemployed

1. Simplicity of filling out the application. You can apply both at the office and via the internet.
2. Minimum review time. During business hours, the application is reviewed in a couple of minutes.
3. Minimum number of documents. The plastic card is issued with just a passport.
4. Convenience of receipt. Most often, it is delivered to your home by a courier.

Lack of official employment is not a sentence. Unemployed individuals with a steady income can get an installment card through our service.