Today, I brought content that is helpful for those who have difficulty issuing a credit card due to low income and low credit.
lowest credit score
Issuance possible
If you suddenly have to pay hospital bills or large sums of money, 햇살론카드 신청
If your credit card is not issued due to low credit, you may not be able to pay in installments.
In this case, the Microfinance Promotion Agency is helping with the issuance of a Sunshine Loan card so that you can pay in installments.
If you already have a credit card 이베이스매뉴얼
at issue
except
In order to be eligible for card issuance, the following conditions must be met:
First, if the annual disposable income is 6 million won or more
Second, according to the KCB or NICE rating agency standards, you must be below the bottom 10% of your credit score.
Must fall below 670 points in KCB standards and 724 points in NICE evaluation standards
If the scores of these two evaluators are different, the credit score criterion favorable to the applicant is applied.
The credit score changes as of April 1st every year, so it would be a good idea to check it before applying.
And thirdly, you must complete the required education on the Financial Education Portal of the Financial Services Agency to be included in the issuance list.
Required Documents Guide
Office worker: Income amount proof or wage and salary income withholding tax receipt
Business operator: Certificate of income amount or health insurance premium payment confirmation
However, if you already have a credit card, you are excluded from the card issuance – Please note that it is only issued to non-residents.
You will receive up to 2 million won per month in guarantee.
Warranty period is up to 5 years
The credit limit is given according to the creditworthiness of each individual.
Even if it falls within the maximum guarantee limit of 2 million won, only the remaining amount can be used after deducting 200,000 won from the card usage limit.
That is, the limit of 2 million won is calculated – the actual card usage limit is 1.8 million won.
Only 1 card per person
will be issued
If you meet the criteria above, we will guide you through the following, how to apply for a Sunshine Loan card and the procedure.
The application process.
1. If you apply for a guarantee through the Commonwealth Finance Agency (Seogeumwon) app, it will be reviewed.
2.★★ You must complete the required Sunshine Loan card training in the app
After registering as a member of the financial education portal, log in – Click on Online Education – Click on the Loan User menu – You must take at least 3 required courses among the education related to credit, consumer life, old age, and financial life.
3. After completing all the processes, the guarantee contract is concluded
4. After that, we will apply for and review the card.
First, short- and long-term card loans such as card loans, revolving, and cash services are not available.
Second, the installment period is limited to a maximum of 6 months
Third, the issuance of family cards and postpaid Hi-Pass cards is restricted.
Fourth, foreign payments are not allowed.
Fifth, entertainment. Some items such as speculative businesses are restricted from use
as above
Please note that there are restrictions on the use of credit cards after the card is issued, unlike general credit cards.
7 card companies
See the benefits and choose
sunshine card
Lotte, Woori, Hyundai, Kookmin, Samsung, Shinhan, and Hana Card can apply for a total of 7 credit card companies.
After checking the above benefits and conditions one by one
It is better to apply for a card that is suitable for you.
The annual fee ranges from 2,000 won to 10,000 won.
Personally, when I compare the annual fee and benefits, Shinhan looks the best.
We have summarized the conditions for issuance of the Sunshine Loan card and how to apply. I hope this post was helpful to those in need.
So, I hope every day is a good day
It was a good thing 🙂