Credit Cards Without Paycheck What They Are And How To Request Them
Credit cards without a paycheck are part of loans without guarantees or demonstrable income to be presented. When you request a card from your bank or other institutions, you must demonstrate that you are able to reimburse the purchases or expenses made with it. But can some categories such as housewives, students, unemployed people still get a credit card without a paycheck?
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Types of credit cards without paycheck
There are two types of credit cards without a paycheck, account cards and revolving credit cards, with both types it is possible to withdraw cash, make online purchases or physical stores, in short, a normal daily use.
Demonstrable Income-Free Credit Cards
Account cards are credit cards without demonstrable payment and prepaid income, optional also provided with an IBAN code, therefore credit cards without a current account with the possibility of sending and receiving transfers and all other possible transactions from a traditional current account. They are particularly advantageous for protesters who are denied the opening of a current account.
Revolving Cards Without Paycheck
Revolving cards without demonstrable income were designed primarily for housewives and students. Household revolving cards allow you to get a credit line to use at any time, without the need for a new practice for financing, even if they have higher interest rates from personal loans.
The amounts obtained with revolving cards range between 1500/2000 USD to 5000 USD which will then be returned in monthly installments with convenient bulletins or directly from the current account. The installments are increased by other charges such as interest rate, preliminary costs, stamp duty. With revolving cards, therefore, it is good to be careful of the final cost of the loan, which can be high.
Advantages of online revolving credit cards
Among the advantages of online revolving cards there is the possibility of obtaining further loans, in fact it is a rechargeable that allows you to pay for your purchases, bills or make withdrawals at the ATM. Consequently, the credit received may not be used in a single solution, but in small amounts spread over time.
The operation is quite simple, the revolving card provides funds that the customer can use immediately. The credit on the card decreases when it is used and is restored with the payment of the monthly installments.
Revolving cards without a paycheck therefore represent an interesting financing option for those who do not have a permanent job even if the costs can be quite high.
Credit card without income Cash quick
Another type of credit card without a paycheck is Cash quick from Italian post offices with which you can apply for a loan with a maximum amount of 1,500.00 USD, and only the holders of the postepay card can do so. Here is a table with a summary of the conditions:
|Total credit amount||750 USD||1,000 USD||1,500 USD|
|Contract duration (monthly installments)||15||20||24|
|Fixed monthly commission for disbursement||4.50 USD||$ 6.00||$ 9.00|
|Monthly installment amount||54.50 USD||56.00 USD||71.50 USD|
|Total cost of credit *||85.50 USD||138.00 USD||234.00 USD|
|Total amount due||835.50 USD||1,138.00 USD||1,734.00 USD|
It can also be used as a student credit card.