Applying for credit cards on the day of application using a passport — applicant requirements + 5 practical tips on how to use the card correctly

Urgent credit card: how to get one and which banks issue them

Financial institutions issue credit cards on the day of application using a passport. Owners use the payment instrument for their purposes immediately after activation. Since many banks are cautious about the unemployed and students, it is practically unreal for such categories of citizens to get plastic. If they manage to get one issued, it will have a minimal limit — within 5,000 RUB.

How to get

Compared to a consumer loan, getting a credit card is easier. The applicant needs to:

• Choose a suitable bank. Review the lending terms

Pay attention to the rating, financial performance, operational experience, and customer reviews.

• Apply

Application review takes from 15 minutes to several hours. Although banks do not care where the money is spent, they check the credit history 100%.

Did you know? Credit history in credit history bureaus is stored for 10 years from the date of the last change. After this period, citizens with a tarnished reputation can start a clean slate with financial institutions. The problem is that finding out when the last changes to the credit history occurred is almost impossible.

• Wait for a decision
• Sign the agreement
• Pick up the card

When signing the agreement, pay attention to the validity period, final interest rate, late payment penalties, annual maintenance fees, and ATM cash withdrawal fees.

• Use the credit card
• Top up the account on time

To avoid paying interest, get a credit card with an interest-free period and stay within its limits.

Which banks offer credit cards on the day of application

You can apply for a credit card online in one day at Russian banks. For example, T-Bank offers the best card of 2019 — Platinum, featuring an interest-free period of up to 55 days and cashback up to 30%.

The Kviku virtual card with a limit of up to 100,000 RUB is issued in 30 seconds.

Gazprombank is known for its Smart Card, which has the lowest refusal rate. The maintenance fee is 199 RUB per month, and the credit limit is up to 600,000 RUB.

Interested in an instant installment card? Try Halva from Sovcombank. The interest rate is 0% and cashback is up to 6.0%.

Opencard from Otkritie Bank offers good terms: up to 11.0% cashback and free annual maintenance.

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Requirements for applicants

• Russian citizenship.
• Identity document (passport).
• Age from 23 to 65 years (at the time of application review).

Depending on the institution, these requirements may vary. For example, Otkritie Bank issues the Opencard to citizens aged 21 to 68.

• Registration within the country or in the region where the bank operates.
• Full legal capacity.
• Having an income.
• A working mobile phone and email.

Advantages of instant credit cards

• Convenience. Cash can be withdrawn from cards, goods can be purchased, and services can be paid for.
• Savings. Thanks to discounts and bonuses, you can save up to 30% on every purchase.
• Reliability. Keeping funds on a card is safer than in your pocket. Plastic cards have several levels of anti-counterfeiting protection.
• Availability of a grace period. During this time, cardholders use bank funds and pay nothing to the institutions.

Note! Card limits are revolving. The owner of the payment instrument can use borrowed funds hundreds of years-- wait, hundreds of times. To avoid overpaying, you need to know how to use the product correctly.

5 tips on how to use your card correctly

Many banks issue instant credit cards on the day of application. To avoid falling into a "debt trap", you need to know how to use them.

Check out these useful tips!

1. Use plastic for cashless payments — in online stores, cafes, restaurants, and boutiques. Avoid buying electronic currency, transferring money from one card to another, and making separate utility payments.
2. Calculate the grace period correctly. Some banks calculate it from the first card transaction, others from the first purchase.
3. Top up your account on time. With paid maintenance, you automatically become a debtor after card activation.
4. Use ATMs of your "home" banks for banking operations. It is cheaper and safer.
5. Never share your PIN code. Secret information is kept solely by the credit card holder.

Now you know not only how to get a card on the day of application, but also which banks issue credit cards and how to use them correctly. Follow the tips and avoid mistakes.