◆On Wednesday, October 13th, the economic/social posting will take a look at the Sunshine Loan card issuer and qualifications, which are scheduled to be released from the end of October to mid-November.
The government has policies for low-credit and low-income people to expand financial products for low-income earners and supply new products. Credit card issuance is supported through guarantee. 삼성 햇살론카드
Sunshine Loan cards will be released sequentially from the end of October, 21, ahead of the original plan through the eight major card companies, Kookmin, Lotte, Shinhan, Woori, Hana, BC, Samsung, and Hyundai. 이베이스매뉴얼
The People’s Financial Promotion Agency announced that the card companies would release them sequentially from the end of October to mid-November as an internal computerized procedure.
Supported for
After completing credit education on the financial portal of the government’s Financial Promotion Agency for a certain period of time, we supported and announced the issuance of credit cards to ordinary people who could prove income in the bottom 10% of their credit score.
In the credit rating system, it is a product for low-credit users who have difficulty in issuing a credit card, and customers with a credit score of 680 or less or a credit rating of 7 or less can apply for a credit card.
For credit management education, you must complete the “Sunshine Loan Card User Education” for at least 3 hours on the financial education portal of the Financial Services Agency, and the course confirmation is automatically checked.
※Credit score must be in the bottom 10% of CB’s credit score as of the date of application for guarantee.
※ Applied based on the credit score favorable to the borrower among KCB or NICE credit scores
※ Proof of minimum income is required to prove disposable income of KRW 6 million or more per year.
Warranty limit
◆The guarantee limit is supported by a difference of up to KRW 2 million through a guarantee review reflecting the number of repayments.
Sunshine Loan Card Issuers Available Card Companies
◆Kookmin Card, Lotte, Shinhan, Woori, Hana, BC, Samsung, and Hyundai Card companies can apply online or apply in person.
Restrictions on use
Sunshine Loan Card A product supported by the government’s policy to expand financial products for the common people. Card loans (cash service, card loan, revolving) are used in some industries (nightlife pubs: Danran pubs, night clubs, speculative businesses: casinos, horse racing, lottery rooms, etc.) is restricting the use of
Application Guide/Usage Guide
As each card company completes the computerization preparation, it will be announced through the website, and applications can be applied through the eight card companies (Kookmin, Lotte, Shinhan, Woori, Hana, BC, Samsung, and Hyundai Card) that will be released sequentially from October. .
◆The eight card companies mentioned above do not seem to welcome the Sunshine Loan card released this time.
This is because, although credit sales revenues from customer payments can be obtained, the risk of insolvency of low-credit users is high, and if a customer is called into a long-term delinquent customer, it can be turned into a burden on the credit card company.
Therefore, each credit card company is supported with a 100% guarantee from the Microfinance Promotion Agency, but there are concerns about deterioration in soundness due to delinquency and securing provisions.
◆Concluding article!
Above, we have posted the contents of government policy financial products for low-credit users who have difficulty issuing credit cards.
Next time, we will find useful information such as qualifications for Sunshine Loan Bank.