I’m already using it, but wouldn’t I be looking for an additional Sunshine Loan card? Perhaps people who have a history of delinquency, rehabilitation, or recovery in the past, or who are currently in the process of issuing a credit card, are reading this article.
Your credit score may drop for a moment, but it takes a lot of time and effort to raise your credit score.
It extends the credit transaction period just by using it, and it is easy to quickly raise your credit score if you use it well. 햇살론카드 신청
If you have difficulty issuing a credit card due to low credit, it will be helpful if you refer to it and use it as a reference. Also, if your credit score rises to a certain extent, we recommend that you cancel the Sunshine Loan Card and use a regular credit card. . 이베이스매뉴얼
Although the credit score has been met, general credit card issuance may be restricted depending on whether the Sunshine Loan card is used, and there are restrictions such as card loans, entertainment business, and speculative business. It would be good if you do. (Personal opinion, tip.)
Go to Microfinance Promotion Agency
Eligibility to apply
– Less than 10% of credit score
* Applicable to NICE724 points, KCB655 points or less (applied based on points favorable to users)
– Annual disposable income of 6 million won or more
– Those who have completed the required training for the Sunshine Loan Card
Go to the Education Portal of the Financial Services Agency for the Commonwealth
Member registration → Online education → Loan user education → Sunshine Loan card → Apply for required training
Application process
Apply for guarantee through the Seo Geumwon app → Complete required training → Sign a guarantee contract → Apply for a credit card company
※Applicable to Lotte, Woori, Hyundai, Kookmin, Samsung, Shinhan, and Hana 7 credit card companies
The maximum is 2 million won, but the limit is given by deducting 200,000 won from the guarantee limit. It is important to note that loan cards are cards that cannot increase their limit.
There are slight differences in the annual fee and benefits for each card, check the below, and only one card can be issued per person, so you can apply for the card you need.
Restrictions on use
– Restrictions on card loans, cash advances, overseas payments, revolving and deferment of payment, and restrictions on use of some industries with installment payments
* Entertainment industry, gambling industry (casinos, racecourses, lottery rooms, etc.), golf courses, gun stores, adult goods stores, some unauthorized payments, etc.
** The standards for the entertainment industry and speculative business are the same as those operated by the national subsidy (disaster subsidy) (may be different depending on the classification criteria for each card company)
Required documents ※ Limited to those who do not consent to visiting the center or inquiring about personal credit information
As mentioned above, even if the limit is small, depending on whether you use it, it has a positive effect on your credit score.
However, if the credit card itself is used properly, it will be beneficial, but if you do not repay the amount used normally, it will inevitably be a loss. Of course, it is best not to take out a loan.
If you regularly manage your credit score in advance, it will be of great help when you really need it.