Getting any bank credit card is a matter of minutes.Financial institutions usually have great pleasure in providing for the use by the customer any amount of interest, which can be called small.However, in some cases difficult to get a credit card with bad credit history.It is necessary to find out whether this is so.
verification procedure
credit history - a representation of all the information on how timely you were paid the previous loans, as a kind of report.It includes everything: goods on credit, mortgages, as well as hole cards.Most people are becoming aware of their credit history only in the moments when they apply to the financial institution to obtain another loan.Moreover, almost no one realizes that it is entitled to a special request to the Central Catalogue of Credit Histories, where he will be given all the necessary information for free.However, without the payment of such a certificate is issued only once a year.If there is a need for repeated checking of such a history, we need to pay.In addition, there are a number of online services through which it is possible for a modest fee to get the necessary information about the problems from previous loans, as well as various delay.
Credit card
So, the information you have received, but your name really appeared in the list of "troubled" customers.However, this is not a reason to lose heart, some Bank issues credit cards with bad credit history.But we come to it gradually.It should detail all the points.
Ways out of the situation
For starters, you can learn how to fix credit history.The implementation of this is possible with certain actions.The Bureau reports may contain information that you have become a certain debtor of the bank, but you do know that your old debt repaid in its entirety.In this case, you can recommend it to apply to the credit institution to take his help, which will provide information about the performance of your debt under this agreement.The resulting document, you must immediately submit to the Bureau credit histories that incorrect information about you have been corrected.The application for a loan is required to attach a copy of this certificate.In this case, you have the opportunity to correct inaccurate information.
alternative
If you're wondering how you can get a loan with bad credit history, then it is likely that the situation is as follows.Payments on its loans have become delinquent because of good reasons.In this case, the bank is required to submit documents that will serve as confirmation of this.For example, you had some kind of disease or by the fault of the authorities for a long time did not receive a salary, and may have happened in your life other circumstances from the category of force majeure.If the violations are real, it is difficult to make a crystal clear credit history.But it still can be corrected to a degree, to receive a loan with bad credit history.Banks that provide credit, can better respond to such customer, than a man who has a bad credit history.If you contact any financial institution for a credit card it is likely that some of them receives data from clinical trials are not customers of the Office, which has a file on you.
offers on the Russian market
All financial institutions are required to check the data on credit histories of potential customers, just some employees to this are not too closely.Sometimes a lot of cases where people made out a loan with a bad credit history in the Savings Bank.Despite the fact that there is quite a thorough inspection, most employees make concessions to customers by giving them a loan in the required amount of money.
You can specify the number of banks which appear in this issue enough loyalty, "Tinkoff", "Russian Standard", "Home Bank", Sberbank, "GE Money Bank", "Renaissance Credit".Numerous stories and reviews allow us to conclude that all these banks are virtually without delay, give the customer a positive response, even if he wants to get a credit card with bad credit history.But it needs to comply with some very specific conditions.You can see each of the institutions.
"Bank Renaissance"
where the client who wants to know how to receive a loan with bad credit history can offer a variant with a very high percentage, it is usually within 24-79%.By credit card limit will be limited (300 000).In consideration of need 1-2 days, no more.The financial institution may request a specific set of documents, as well as a certificate testifying to your income.
"Russian Standard"
in this institution have the ability to issue credit cards with bad credit history, take out a loan with a maximum limit of 450 000 rubles under 36%.The grace period lasts 55 days.It is possible that there will need to provide income statement, however, the documents, in addition to the passport, the bank will require exactly.
bank "Tinkoff"
It allows the credit institution to make sure that the client came from a bad credit card history for a maximum amount (300 000) at interest, which is quite high, 42% per annum.This organization will not request documents that serve as proof of the borrower's income.According to this map concessional lending period is 55 days.If the decision is positive, the card will be available literally on the same day.
issued credit cards online
This service is available today in many banks.If you apply for a loan in such a way to several institutions, it significantly increase the chances for you that soon you will have a credit card with a bad history in one of them.And it's pretty convenient.It is possible that you will be able to issue a credit card with bad credit history in the bank where you do not have a bad file, so you do not need to pay huge interest on the loan.
"Tinkoff"
The bank is working toward registration of credit cards is on the applications online, and very active.His proposal is tempting due to the fact that many people get a credit card without a visit to the bank, that is, without leaving your home.Delivery to the client at the address specified in the application.For such loans the preferred age of the borrower within 30-40 years, and this at a time when the nominal scope of age account for 24-65 years.The exception was "Tinkoff Bank", which expect to receive a credit card in the facility can be people aged 18-70 years.
Alternative
There are other ways of working to issue a loan with bad credit history.
Can this be done in a supermarket.This is called Express credit card.Its getting pretty simple, but the interest on it too high.
allowed to resort to the services of a mortgage broker.At the same time the chances of receiving the card are rather high, but the interest rate on it will be incredibly high, as the broker for his work takes a fairly solid commission.
If you managed to get a credit card with bad credit history, it is possible to recommend to use it properly, try not to disturb the conditions to avoid problems in the future.Because of this your credit history will be fixed, and to open the way to other banks.
secret documents
If you decide to get a credit card with bad credit history, take out a loan or enter into other debt relationship with the bank, you need to be as careful in the selection of documents to be submitted to the financial institution.Quite often there are situations where a person who does not have a credit history, the bank was refused even to obtain a simple card.And the reason is very simple.With only a passport, it is difficult to prove their solvency.Of course, most of these credit institutions advertising shows that the identity card will be enough to obtain a loan, but in this case, you should have a spotless credit history, to inspire confidence in the bank.
In that case, when your ranking is pretty weak, you should take care to provide additional documentation.Credit card with bad credit history can be obtained provided that the document confirming employment.If it contains information that the length of your work in the same workplace for more than two years, the chances of it getting noticeably increased.Information on income - is another document which will only be useful.Provide the bank statement on loans previously taken, as well as inquiries about their safe closing - this is another important paper.
the presence or absence of a specified set of documents, you can talk about the impact not only on the fact whether you issued the credit card, but also on the conditions under which loan you will cooperate with the bank.For example, if a client has come to receive only a passport card, it is, of course, will, however, the percentage in this case will be as high as 45%.And if you get a credit card with bad credit history man came also granted the certificate of employment and the size of its board, he can lower interest rates to 36-38% per annum.It turns out that additional documents not interfere.So, it's worth taking the time to collect them.
Another option - the MFI can give a loan with bad credit history, but the percentage is much higher than the bank and the amount of very small.
How to improve or remove the CI
At the moment, the Internet is very much of our enterprising countrymen offer services to improve or complete removal of credit history.But we should not delude ourselves too much, as there is important moments.Often the fee for their services is quite high.And you is important to remember that you can not remove a credit history for good.So you should ignore such proposals.
credit card with bad history
First of all, when you become aware of the data's own credit history, you should analyze your own performance.The first factor is the unreliability of the client's overdue payments.You should review their papers to determine whether or not it's your fault.It is possible that the bank itself too late to contribute to the account.Sometimes the culprit human factor, when the Bureau of credit histories were not sent your data, and someone else, and you are suffering from this.
You can get a credit card with a bad history in the bank where you have a deposit or you get through wages.In this case, you will have insurance in the form of regular reporting of funds in your account, so it is quite likely that the bank will be allowed to get a credit card from him.
can offer, and this unusual variant, as an appeal to a small regional bank.This institution can "close their eyes" to your bad situation, but for other reasons - because of the shortage of cardholders and great competition in this market.
change in credit history
Sooner or later you will be given a credit card, there is no doubt.However, it should be assured that the bank, which went against the will try to protect themselves.You will be given the maximum interest rate with a minimum credit limit.If you agree to it, it will be a chance to change your credit history.This will require the use of the card and to extinguish the debt without any delay.An excellent option is the card with a grace period.You will pay for it in stores, do not exceed the limit of grace, to repay the debt on time without interest, which will improve credit history.
Conclusion As you can see, there are ways of working to get a loan with bad credit history.And then there are several ways.And when you get it, do not repeat their mistakes over and then everything will be fine.Now you know how to make a loan with bad credit history.
