햇살론 카드 신청방법index
Hello, this is Kono. Today, I would like to tell you about the Sunshine Loan Card, which is a way to get a credit card even if you have low credit. This product supports credit card issuance so that people who have difficulty obtaining a credit card due to low credit can receive benefits that can only be obtained by using a credit card, such as installments and points. So let’s find out right away.
Articles related to Sunshine Loan
Workers’ Sunshine Loan, a loan of up to 20 million won for low-income workers with low credit
Apply for Sunshine Loan Bank, a loan that helps people with low credit settle into the banking system
Sunshine Loan Youth, college students, and newbies can receive up to 12 million won per person.
The Sunshine Loan Card is a product that allows people with low credit who cannot issue a credit card to enjoy credit card benefits such as installments and points, provides choices for various financial products, and supports credit card issuance to enable healthy consumption. no see. Please check below for detailed information regarding support targets and support details.
Those eligible for support are as follows:
(1) A person with a disposable income of more than 6 million won per year
→ Disposable income means [annual income – debt repayment (interest)], so you can apply for a Sunshine Loan card if your disposable income exceeds 6 million won per year.
(2) Those whose credit rating is in the bottom 20% or lower
→ Your credit rating must be in the bottom 20% or lower. Please refer to the criteria for the bottom 20% below.
※ Based on the bottom 20% of credit scores: 749 points or less by NICE, 700 points or less by KCB, whichever score is more advantageous to the applicant.
(3) Completion of required training
→ You must complete the required training for the Sunshine Loan Card from the Korea Inclusive Finance Agency to apply.
If you apply for this product, you can receive a Sunshine Loan credit card through your card company and receive a guarantee of up to 2 million won per month. However, the deposit amount may vary depending on the individual’s credit rating.
If you would like to check the card benefits for each company, please access the banner below and click on the application information for issuance of credit card companies.
The monthly limit is the amount calculated by deducting 200,000 won from the monthly deposit amount granted to each individual. If you receive a monthly guarantee of 2 million won, your monthly credit card usage limit will be 1.8 million won.
If the limit is expanded, the deposit amount can increase from the existing 2 million won to a maximum of 3 million won. However, the amount of increase may vary depending on the review results.
In order to increase the limit, all three conditions below must be met.
(1) Those who have been using the card for more than 1 year after issuance
(2) Those who have used credit cards in the past 3 months
(3) Those who have no arrears as of the application date
If you meet the three conditions above, you can increase your limit through a limit expansion review through the Korea Inclusive Finance Agency app.
You can sign up for a guarantee contract by accessing the Korea Inclusive Finance Agency mobile app, applying for a guarantee, and completing the required training. Afterwards, you can apply for credit card issuance through the card companies below.
Lotte Card, Hyundai Card, Kookmin Card, Samsung Card, Shinhan Card, Hana Card, Woori Card
Today, we learned about the Sunshine Loan card that can be issued even if your credit score is low. If you need a credit card but are unable to use it due to credit score issues, you may want to give it a try. Then we will come back with more helpful information next time. Thank you, it was Kono.
Comment
Save my name, email, and website in this browser for the next time I comment.
