Credit cards have now become indispensable.
Of course, there are many people who pay with cash and there are many people who use a debit card, but this is because credit cards are sometimes or often useful.
However, for that reason, the conditions for having a credit card must of course exist.
Today, let’s take a look at what the credit card issuance conditions are. 농협 신용카드 발급조건
* Credit card issuance conditions
You need a credit card, but I think many of you are curious about what the conditions are for issuance.
will i be What if not? You will be worried about that. Through this article today, I hope you will find out in advance about the credit card issuance conditions.
There are four conditions for issuing a credit card. 이베이스매뉴얼
1. 19 years of age or older
First of all, age conditions must be met. You must be at least 19 years old and an adult, but a credit card will be issued.
If you are a minor under the age of 19, you cannot receive a credit card.
2. Monthly disposable income of 500,000 won or more
As of the issuance date, the monthly disposable income must be at least 500,000 won.
You must have income, so you can make a credit card, so it would be good to refer to this point.
3. Credit Rating
Credit rating is also one of the prerequisites for getting a credit card.
You must have a credit rating of at least 1 to 6 in order to be issued.
The above picture is a table showing the credit rating as a score. If it helps, please refer to it.
4. Employees of the 4 major insurance companies who have been employed for more than 3 months
Finally, like income, you must be an employee.
It is not necessary to be an employee, and you must have been working for at least 3 months, and you must also have 4 major insurances.
If these four conditions are met, it would be good to see that a credit card is basically issued.
Q. I have a frequently asked question about the credit card issuance conditions. It is about the issuance of a student credit card and whether it is possible to issue it in other ways. The answer is below.
A. First, it is the answer to whether college students can also get credit cards.
You can get it, but of course there are conditions.
First of all, since you are a college student, you must be at least 19 years old and have a credit rating of 6 or higher here.
In addition, your income must be consistently at least 500,000 won, and your income must be at least 6 million won in the last 6 months or more based on bank deposits.
Alternatively, it can be issued if the average balance of the bank for 6 months is 500,000 won or more, or if the bank balance is 1 million won or more for 3 months.
The following is about whether you can obtain a credit card through other methods. Let’s find out.
That’s the average balance.
Above, we talked about the issuance of student credit cards and talked about the average balance.
Using this average balance, you can get a credit card issuance.
Bank card companies can meet the issuance conditions by depositing a certain amount in a bank deposit for several months.
In this way, even college students can get a credit card.
You can find out how to get a credit card through the average balance of each financial company through the photos below.
For Kookmin Card, you need to have an account of more than 600,000 won for 6 months / 3 million won or more for 6 months in another bank, which is one financial sector.
Nonghyup Card is 6 months or more than 6 million won,
Our card is worth more than 3 million won for 6 months.
Shinhan Card must be at least 800,000 won for 3 months or 2.4 million won for 1 month / 6 million won for 6 months or 10 million won for 3 months or 50 million won for 1 month / The average value of a securities account for 6 months or more.
Hana Card must be at least 300,000 won for 3 months / over 900,000 won per month / over 30 million won per day.
Barocard is worth more than 10 million won for 6 months.
IBK has more than 1 million won in 3 months.
First Bank is over 6 million won for 6 months.
Samsung Card is for 6 months, deposits are an average of 500,000 won in the first financial sector + final balance of 500,000 won or more,
You must pay an average of 500,000 won or more per month in the first financial sector.
For Lotte Card, 1 million won for 3 months in the first financial sector / 300,000 won or more per month for 6 months is required.
Hyundai Card is for 6 months, and you must pay a monthly savings of 500,000 won or more in the first financial sector / maintain a term deposit of 5 million won or more.
Today, we learned about the credit card issuance conditions. Please think carefully and make it well when absolutely necessary.