Credit cards are always one of the key requirements for applying for a GPA. But not everyone has a credit card. Then, can we apply for a credit card without a credit card? Of course, you can check out the tips here!
Almost all people are always faced with a situation where they are in desperate need of cash. These requirements can actually be met by borrowing funds from friends, offices, and close relatives. If the loan amount isn’t too much, they can usually help. But what if the funds you need the amount to millions, even tens of millions? I definitely don’t want you to have to apply for a bank loan.
Banks can lend you a cash loan through a product called unsecured credit or better known as Good Credit. This type of bank loan can provide you with hundreds of millions of loans without the need to guarantee or guarantee your valuable assets such as BPBB (Motor Vehicle Ownership Book) or home certificate. Given the lack of collateral in Good Credit loans, the terms provided by banks are quite numerous and quite complicated. Some of the most common requirements are ownership of a National ID (Citizenship Card), a Personal Identity Number, a tax slip, a newspaper account, and a credit card.
What is the Use of Credit Cards as a Terms of Good Credit?
Credit cards are one of the key requirements for applying for a mortgage. The bank usually sets the terms of credit card ownership with at least 1-year active use with certain limits. Some have set a credit card limit of at least $ 5 to $ 10 million.
Credit cards are one of the conditions for applying for a Good Credit because, with a credit card, your bank can see how accurate your payment is. Whether your credit card installment is always paid on time or whether you have overdue payments. All of that will be a deciding factor in whether you can get a large loan. So what if you don’t have a credit card?
Tips for Getting a Credit Card without Credit Card
Calm down because nowadays you have a lot of Good Credit loans without a credit card you don’t need to have a credit card to apply for a Good Credit. But here are a few tips to keep in mind if you want to obtain a Credit Card without a Credit Card,
Have a Profession or a Clear Job
The first tip is if you have a clear profession or job. If you are an employee first, then you must be a full-time employee, not a contractor or freelancer. But if you are an entrepreneur or a professional, then make sure your practice or business has been running for at least two years.
Attach Original Salary Slip
It is important to attach your original payslip at the time of applying for a Good Credit loan as a proof that you have the ability to pay monthly Good Credit installments. Then what if you don’t have a payslip because you are not a professional or entrepreneurial employee? You can attach your financial statements for the past two months.
Never Have a Bad Debt History
The last tip is to avoid having a bad debt history. It’s not because you don’t have a credit card, so the bank won’t know if you’re the one who always pays off the debt on time. Banks will still be able to perform credit history or credit history checks through BI checking. So if there are any unpaid arrears in the meantime, you should pay them off immediately to clear your bad credit history.
Online Loans A Solution If Credit Card Without Credit Card is Not Available
In the case of these unsecured credit card Good Credit loans, there are stringent selection requirements and processes, so not all bank applications can be accepted. Few people who apply for a GPA without a credit card are declined by the bank for some reason. From unverifiable data, incomplete documents, and more.
If your Good Credit loan without a credit card is declined, don’t be discouraged Dude, since there is still another type of loan option, which is that online loans also do not require collateral and credit cards at the time of application.