햇살론 카드 신청방법The Sunshine Loan Card is a product designed for people with low credit who have difficulty issuing credit cards. Since it is issued with a guarantee from the ‘Institute for the Promotion of Microfinance’, there is a high possibility of being approved even if the income and credit conditions are insufficient.
In addition, after receiving a credit card, you can restore your credit rating if you repay the card properly without delinquent payments. Therefore, if you are unable to issue a credit card from a commercial bank, please actively apply for a Sunshine Loan Card.
Table of Contents
1) Issuance target
Those eligible for issuance must be those who do not hold a credit card and meet all of the conditions below.
However, you can apply for issuance only if you additionally meet the conditions below.
2) Guarantee limit
The guaranteed limit is up to 2 million won per month, but since 200,000 won is deducted from the guaranteed limit, you can only use up to 1.8 million won. However, the usage limit is determined by considering repayment history or credit rating.
3) Warranty period and installment period
The warranty period is up to 5 years. The installment period is up to 6 months. However, please note that you can re-apply even after the warranty period has expired.
4) Restrictions on use
Payment may not be possible if usage restrictions apply to the conditions below.
The Sunshine Loan Card can be issued by selecting one of the card companies below.
However, the preferential benefits vary slightly depending on the credit card company, so it is a good idea to check. Please note that Lotte Card and Hana Card are good to use because they do not have a usage record standard for the previous month.
Applications can be made non-face-to-face (mobile or internet). However, you must follow the procedures below to apply for issuance.
Required documents vary depending on the income earner. However, only documents issued within one month are accepted.
Sunshine Loan Card – Required Documents
Even if you are eligible for a Sunshine Loan Card, please be sure to contact the Korea Inclusive Finance Agency Customer Center (☎1397) or the customer center of your card company before signing a contract. thank you
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