How to issue a credit card with a bad credit history. Which banks draw up credit cards with a bad credit history

Getting a credit card from any bank is a matter of minutes. Financial structures usually with great pleasure provide for the use of the client any amount of interest, which can be called small. However, in some cases it is difficult to issue a credit card with a bad credit history. It is necessary to understand whether this is really so.

Verification procedure

The credit history is the presentation of all information about how timely you were paid the previous loans, in the form of a kind of report. It includes everything: goods on credit, mortgages, as well as closed cards. Most users become aware of their credit history only when they apply to a financial institution for another loan. However, almost no one realizes that he has the right to a special request to the Central Catalog of Credit Histories, from where he will be given all the necessary information for free. However, without payment, such a certificate is issued only once a year. If there is a need for a multiple verification of such a story, then it will be necessary to pay. In addition, there are a number of online services through which you can obtain for a modest fee the necessary information about problems with previous loans, as well as various delinquencies.

Credit card

So, the information is obtained by you, but your name really turned out to be on the list of "unfavorable" clients. However, this is not a reason to lose heart, some banks issue credit cards with a bad credit history. But we will approach this gradually. It is necessary to consider in detail all the points.

Ways out of the situation

To begin with, you can learn how to correct your credit history. The implementation of this is possible with certain actions. The information of the bureau may contain information that you have become a debtor of a certain bank, but you know for sure that your old debts have been paid off entirely. In this case, you can recommend to apply to this credit institution, take a certificate from him, which will contain information about the performance of your debt under the specified contract. The received document should be immediately submitted to the Bureau of credit histories so that incorrect information about you has been corrected. You must attach a copy of this certificate to the application for a loan. In this case, you have the opportunity to correct inaccurate information.

Alternative option

If you are wondering how you can take a loan with a bad credit history, then chances are good that the situation is as follows. Payments on existing loans became overdue due to quite objective reasons. In this case, the bank is required to provide documents that will serve as confirmation of this. For example, you had some kind of disease or because of the bosses for a long time they did not receive a salary, or, in your life, there were other circumstances from the category of force majeure. If the violations are actually there, then it will be difficult to make the credit history crystal clear. But it can still be corrected to the extent that you can apply for a loan with a bad credit history. Banks that give credit can respond better to such a client than to a person who has a bad credit history. When applying to a financial institution for a credit card, it is likely that one of them receives data about CI clients not from the office where the dossier is on you.

Offers on the Russian market

All financial institutions necessarily check the data on credit histories of potential customers, it's just that some employees do not take this into consideration carefully. There were a lot of cases when people registered a loan with a bad credit history in Sberbank. While the audit there is quite thorough, more often employees make concessions to customers, giving them a loan the required amount of funds.

It is possible to specify several banks that show sufficient loyalty in this matter: Tinkoff, Russian Standard, Home Bank, Sberbank, GI Money Bank, Renaissance Credit. Numerous stories and reviews make it possible to conclude that all these banks give the client a positive answer almost without delay, even if he wants to issue a credit card with a bad credit history. But for this it is required to observe several very specific conditions. You can consider each of the institutions.

Renaissance Bank

Here, a client who wants to know how to make a loan with a bad credit history can offer a very high interest rate, usually within the range of 24-79%. The credit limit will be limited (300 000 rubles). It takes 1-2 days, not more. A financial institution can request a certain set of documents, as well as a certificate showing your income.

"Russian standard"

In this institution it is possible to issue credit cards with a bad credit history, to take a loan with a maximum limit of 450,000 rubles at 36%. Grace period lasts 55 days. It is possible that you do not need to provide a certificate of income, but documents, in addition to the passport, the bank will definitely be required.

Bank "Tinkoff"

This credit institution allows you to make sure that a client has a credit card with a bad history for a maximum amount (300,000 rubles) at a percentage that is quite high, 42% per annum. At the same time, the organization will not require documents that confirm the borrower's income. On such a card, the period of concessional lending will be 55 days. If the decision is positive, then the card can be obtained literally on the day of appeal.

Credit card processing online

Such a service is now available in many banks. If you apply for a loan in this way at once to several institutions, it will significantly increase the chances for you that you will soon have your own credit card with a bad history in one of them. And it's quite convenient. It is possible that you will be able to issue a credit card with a bad credit history in the bank in which you do not have a bad file, so you do not need to overpay the huge interest on the loan.

"Tinkoff"

This bank works in the direction of issuing credit cards just for online applications, and quite actively. His proposal is tempting due to the fact that many get a credit card without a visit to the bank, that is without leaving their home. Delivery to the customer is carried out at the address specified in the application. For such loans, the borrower's preferred age is within 30-40 years, and this is at a time when the nominal age frames are 24-65 years. An exception was "Tinkoff Bank," where you can count on getting a credit card in the institution itself to people aged 18-70 years.

Alternative options

There are other working ways to apply for a loan with a bad credit history.

You can do it in the supermarket. This is called an express credit card. Its receipt is quite simple, but the interest on it is too high.

It is also possible to resort to the services of a credit broker. At the same time, the chances of getting a card are quite high, but the interest rate on it will be incredibly high, as the broker takes a pretty solid commission for his work.

If you managed to issue a credit card with a bad credit history, then you can recommend you use it regularly, try not to violate the terms to avoid problems in the future. Thanks to this, your credit history will be corrected to open the way to other banks.

The Secret in Documents

If you decide to issue credit cards with a bad credit history, take a loan or enter into other debt relationships with the bank, you need to be as careful as possible when selecting documents that will be submitted to a financial institution. Quite often there are situations when a person who does not have a credit history at all, was denied a bank even in obtaining a simple card. And the reason here is very simple. By showing only a passport, it's difficult to prove your solvency. Of course, in most of these credit institutions, advertising shows that ID cards will be enough to obtain a loan, but in this case you should have a simply flawless credit history to cause the bank's confidence.

In the event that your rating is rather weak, then you should take care of providing additional documentation. A credit card with a bad credit history can be obtained on condition that a document confirming employment is provided. If it contains information that the experience of your work in one workplace for more than two years, then the chances of obtaining it significantly increase. The income statement is another document that will only be useful. Provision of bank statements on loans taken earlier, as well as certificates of their successful closure - this is also important papers.

In the presence or absence of the specified package of documents, one can talk about the impact not only on the fact whether you will receive a credit card, but on what terms of lending you will cooperate with the bank. For example, if a client came to receive a card only with a passport, it will, of course, be given, but the interest in this case will reach 45%. And if you issue a credit card with a bad credit history, a person has come who also provided information on employment and the amount of his payment, then he can reduce the interest rate to 36-38% per annum. It turns out that additional documents do not interfere. So, it's worth spending time on their collection.

Another option - MFIs can give credit with a bad credit history, but the interest will be much higher than the bank's, and the amount is very small.

How to improve or delete CIs

At the moment on the Internet, a lot of our enterprising compatriots offer services to improve or completely delete credit history. But do not be too flattered, because there are important moments. Often the fee for their services is quite high. And it's important for you to remember that it's impossible to permanently delete credit history. Therefore, it is worth ignoring such proposals.

Credit card with bad history

First of all, when you become aware of the data of your own credit history, you should analyze the indicators yourself. The first factor of the customer's unreliability is the delay in payments. You should revise your papers to determine whether this is really your fault. It is possible that the bank itself later contributed funds to the account. Sometimes the whole human factor is to blame, when the bureau of credit histories sent not your data, but someone else's, but you suffer from it.

You can get a credit card with a bad history in a bank in which you have a deposit, or you receive a salary through it. In this case, you will have insurance in the form of regularly received funds to your account, so it is likely that the bank will be allowed to get a credit card from him.

You can offer and such an unusual option, as an appeal to a small regional bank. In such an institution they can "turn a blind eye" to your unfortunate situation, but for other reasons - because of the deficit of cardholders and great competition in this market.

Changing credit history

Sooner or later you will be given a credit card, there is no doubt about it. However, it is worth to be sure that the bank, which has met, will try to protect itself. You will be given a maximum interest rate with a minimum credit limit. If you agree to this, then this will be your chance to change your credit history. This will require the use of a card and extinguish the debt without any delay. The perfect option is a card with a grace period. You will pay it in stores, do not exceed the preferential limit, repay the debt on time without interest, which will improve the credit history.

conclusions

As you can see, there are working ways to get a loan with a bad credit history. And here there are several ways. And when you get it, do not repeat your mistakes, and then everything will be fine. Now you know how to apply for a loan with a bad credit history.