Tip 1: How to increase your credit limit
Tip 1: How to increase your credit limit
Often, the need for additional credit card facilities can arise when available limit already exhausted. In this situation, banks offer an increase service limitbut a credit card. Depending on the bank that provides such a service, the conditions can be very diverse.
Instructions
1
To increase limit credit card through the Internet, it is necessary to write an application with additional details and the reason why there is a need for an increase limita credit cards. As a rule, the period for considering such an application by a bank is from 2 to 5 days.
2
For increase limitand a credit card can be applied with an oral application to the bank by calling the hotline. The downside of such treatment is the high risk of the bank's refusal to provide this service.
3
If you are a credit card holder for a short time or you have had late payments, most likely the bank will refuse to increase you limitbut by credit card.
4
To get great limit by credit card you need in addition toapplications to provide the bank with a package of documents. The most basic and weighty document is a certificate of income from the place of work, which is formalized either in the form of an employer or in the form of a bank. Depending on the size of the average earnings, the bank determines the amount limitbut for each borrower individually. The second, no less important document, is a certificate confirming the existence of a permanent registration. This is necessary for the bank in the event of debt to easily find its client. Of course, the bank will need to provide and a document certifying the identity of the borrower (passport). If desired, the bank may ask for additional documents: a driver's license, an insurance certificate of compulsory pension insurance, a document for owning real estate and others.
Tip 2: How to quickly increase your credit card limit
Often banks install a smaller mapthe credit limit, than the borrower expected. But after a certain period of active use of the card, he has the opportunity to gain access to a larger amount.
You will need
- - application for an increase in the credit limit;
- - certificate of income 2-NDFL (certificate on the form of the bank);
- - other documents.
Instructions
1
The credit limit can be increased by twoways - at the request of the borrower, or by the decision of the bank itself. In any case, a number of conditions must be met. When the maximum credit limit is approved, the credit history of the borrower and the amount of its income are taken into account. The category of the issued card also has value, each of which has its own limitations on the maximum limit.
2
It is impossible to count on an increase in the creditLimit to the borrower who allowed delinquency and / or missed the minimum monthly payments on the credit card. The second condition is that the client should actively use the credit card. The more often you make purchases and then make timely payments, the more likely that the bank will meet you and increase the credit limit. The user must have sufficient income. If you have increased your salary from the moment you register a credit card, you can always apply for an increase in your credit limit. The main thing is that the monthly payments for loans do not exceed 30% of total revenues.
3
Ways to increase the available limitare registered in the loan agreement. Often banks themselves go to increase the credit limit. The Borrower does not need to take any additional steps. He comes to the esemes about the possibility of increasing the limit, if the client refuses this, the amount of available funds remains the same. If the borrower raised the credit line, and he timely made all payments, then after a while (3-6 months) the maximum credit limit will again be increased.
4
But you can always go to the bank branchwith an application for an increase in the credit limit. In this case, it is often required to provide a certificate of income and additional documents to choose from (TIN, rights, insurance certificate, medical policy).
5
The Bank will review the application withintwo or three days. And you can refuse if there are delinquencies or if your income has not changed in the last time. In most cases, banks approve an increase in the limit of 30%, but sometimes they can make more serious concessions. In some situations, the bank can not only increase the credit limit, but also reduce it. For example, if the borrower's solvency has decreased.
6
If the borrower is only going to issue a creditcard, then he should specify which documents must be provided to increase the credit limit. This can be documents confirming income and work experience, passport, PTA, certificate of ownership of real estate, etc.
Tip 3: How to increase the limit on a bank card
Credit limit is the maximum available amountborrowed funds on the card. Initially banks never issue cards with a high limit, but most of them provide an opportunity to increase it.
You will need
- - Reference 2-NDFL;
- - application for an increase in the credit limit.
Instructions
1
The procedure for increasing the credit limit depends onbank. But there are a number of general requirements for the bank to make a positive decision to approve a larger loan amount. So, it is necessary to actively use the credit card when paying for goods and services, and also try to return the funds to the card as quickly as possible within the grace period. Of course, if there is a delay in the minimum payments, the credit card holder can not count on the revision of the credit limit.
2
Decision to increase the credit limit of bankscan accept independently or on the direct application of the borrower. As a rule, banks set a minimum period after which the credit limit can be reviewed. It can be six months, a quarter or longer periods. During this time, the cardholder must confirm his financial discipline and ability to fulfill credit obligations.
3
If you decide to take the initiative in the matterincrease of the credit limit, it is necessary to apply to the bank branch with a written application in which to indicate the desired amount available to you. It is worth considering that banks usually go to increase the limit within 25%.
4
Some banks require to attach to the applicationdocuments confirming the growth of the borrower's welfare. This can be a certificate of 2-NDFL for the past 6 months, which indicates an increase in his salary. Holders of credit cards, which in parallel are salary customers, can do without confirmation of income. In most cases, banks approve an increase in the limit with revenue growth. But even if the borrower has increased his salary, it is important that during this period his debt burden and expenditure part do not increase.
5
Some banks do not accept applications fromcardholders to increase the credit limit, but do it themselves on the basis of an automatic analysis of the borrower and his transactions with the credit card. On the possibility of access to a larger limit, the borrower is notified via SMS or by phone. He can only confirm his agreement.
Tip 4: How to get Sberbank credit cards
Credit cards differ from those calculated in that the balance ofthe accounts assigned to them include not only the customer's own money, but also the credit limit granted by the bank. Therefore, the selection of customers wishing to use this product is stricter: they must prove their solvency and comply with a number of formal requirements of the bank.
You will need
- - passport;
- - document confirming income;
- - confirmation of work experience (if there is no salary card of Sberbank with a history of not less than six months);
- - statement on the form of the bank;
- - compliance with the requirements for borrowers (agefrom 21 to 52, not including, for women and up to 57, not including, for men; registration in the region where the card is issued; total length of service from 1 year for the last 5 years and at least six months at the current workplace).
Instructions
1
With the terms of credit cards Sberbank in your region is available on its website. It will not be superfluous to call the call center, or personally visit the nearest branch of the bank, ask questions of interest, clarify confusing moments. It is better to personally come to the office and ask for a sample loan agreement cards, write out embarrassing and incomprehensible moments, ask for clarification.
2
If you decide to take a loan, you need to collectset of documents. They are few, but the requirements for them are more stringent for the bank than for many others. So, to confirm income, only the certificate 2NDFL is accepted. The document on the form of the employer can only be accepted from employees of state organizations, to whom such certificates are not required by law. The exception is also for pensioners: they have enough document on the accrued pension from the Pension Fund. If the pension is accrued through the Savings Bank, the certificate is not needed.
3
If your salary has been transferred to the card for at least the last six months Sberbank, nothing more is required of you. The rest is more complicated. The bank wants to see a copy of the work record book with experience not less than for the last five years, certified by the employer or a page of the employment contract of the contract that has been pegged to him. From entrepreneurs, the original of the certificate of state registration in the relevant status and its notarial copy are required, and from the lawyer - the original of the certificate . If the entrepreneur has licensed activities, originals and notarized copies of licenses will be required.
4
With the completed package of documents, contact the office. Sberbank and fill out the application form there.Within three working days after the acceptance of the documents, the bank will inform you whether it gives you a loan, if yes, for what amount. With a positive decision, you will also be given a time when you can pick up the finished card.
