I’ve posted once before, but for some reason I missed the unfortunate post.
Today, I would like to post the Sunshine Loan Card once more.
Credit cards are often used as a standard of credit enough to qualify for some loan products. 햇살론카드 신청
As it is named Sunshine Loan, it is said that even people with low credit can use this Sunshine Loan card.
Sunshine Loan Card?
When do you usually use your credit card? 이베이스매뉴얼
In my case, I mainly use a debit card for general payment, but I mainly use a credit card to use the installment conveniently when I need a large amount of money.
In particular, if you need a large amount of money, such as a hospital bill, credit cards are mainly used.
However, for those with low credit or low income who cannot make a credit card, this burden is even greater.
The card made for such cases is the Sunshine Loan Card that we are introducing today.
Who are the applicants?
Sunshine Loan Card can be used if all of the following conditions are satisfied.
1. Less than 10% of credit score
2. Annual disposable income of 6 million won or more
3. Completion of required Sunshine Loan Card training
If your credit score is below the bottom 10%, you can use it if you have 724 points based on NICE and 655 points based on KCB.
In the case of annual disposable income, it may be difficult to say, but to put it simply, you can subtract the annual principal and interest repayment amount from your annual income.
The amount of annual income or principal and interest repayment is made through inquiry or submission of documents at the time of application.
Lastly, in the case of compulsory education, the financial education portal of Seogeumwon [https://edu.kinfa.or.kr] takes place.
You must complete the required training here to be able to use it.
First of all, there are 3 subjects, but when I go to the website, they say that 1 is compulsory and you have to take 1 subject until the 3rd class.
I’ll try to listen to it later.
What if I can’t apply?
Even if the above conditions are met, there are cases where the card application is rejected.
Naturally, it is difficult to use for those who have registered overdue information.
However, please note that even if you are currently in the process of personal rehabilitation or debt reconciliation, you can use it as long as you are in the process of repayment without arrears more than 6 times.
What are the limit conditions?
The maximum card limit is 200,000 won.
However, in the case of the credit card limit, the guarantee limit is set differentially according to individual conditions, and 200,000 won is deducted from the generated limit.
For example, what if your guarantee limit is 150,000 won?
The maximum you can use is $130,000.
Where can I use it?
Once the issuance itself is issued exclusively for domestic use, most places where the card can be used can be used without restrictions.
However, it cannot be used in the entertainment or speculative industry, and it cannot be used for card loans such as cash advance and card loan revolving.
Please note that in the case of installment payments, you can only use it for a maximum of 6 months.
What is the application process?
The simplest way is to apply for a guarantee through the Seo Geumwon app and then complete the Sunshine Loan card mandatory training through the financial education portal.
After the guarantee agreement is concluded, you can apply for issuance of a card through the card company with which the agreement is made.
Currently, there are 7 card companies that can be used: Lotte Card, KB Kookmin Card, Samsung Card, Hyundai Card, Shinhan Card, Woori Card, and Hana Card [available in November].
Please refer to the Seogeumwon website for benefits and application links for each card company.
What documents are required?
If you use the Seogeumwon app in the previous application method, documents are automatically searched, but documents may be required when visiting the center.
In the case of documents, be sure to refer to the following and prepare them.
1. Confirmation of employment and business for more than 3 months or receiving pension more than once
2. In case of documentary evidence, only those issued within one month are recognized.
3. At least one of the supporting documents is required, but if the relevant documents do not meet the requirements for a partial income, the annual income can be calculated from the estimated income of the CB company.
After checking the above conditions first, you can apply for a guarantee by visiting the Financial Services Agency with the following documents.
However, the documents may vary from person to person, so please check in advance through the 1397 Commonwealth Financial Center call center before using.
organize
This time, I briefly summarized the qualifications, methods, and conditions for applying for a Sunshine Loan Card.
I always say that it is better not to use a credit card when writing articles related to financial technology, but there are times when it is absolutely necessary.
I hope that today’s content will be of some help in using the card for the common people.