Non-bank credit card – is easier to get and cheaper than a loan. Who can get it?

Although a credit card is a very convenient option, many people cannot get one even under current banking practices. The situation is completely different in case of non-bank credit cards. It is easier to become a cardholder even if you have no credit history, for example because you are young. What is more, it turns out that such a solution is cheaper than the so-called “credit card”. express payment. No wonder that Poles are more and more willing to use this type of financial instrument. What you should know about non-bank credit cards and for whom they are a good solution?

You can apply for a card online

Axi-Card non-bank credit cards are a solution where the formalities are reduced to a minimum. The application for a card is made by filling in a short online form. The verification itself of the person applying for a credit limit is really simple and, most importantly, does not require a visit to a stationary branch of the company where the credit card application is to be made. Finally, the card is picked up and delivered by a courier company.

With a non-bank credit card you can pay cash and cash payments. The limit can be used for online and cross-border transactions. Many companies, stores, hotels and car rental companies prefer or even require that you pay by credit card, in return offering you the opportunity to participate in attractive loyalty programs. It can happen that paying with a credit card saves something or you get an exclusive offer.

More and more people are interested in non-bank credit cards. Is it a solution for everyone?

Non-bank cards are certainly a good option for those who are discouraged by bank procedures or who simply do not meet bank requirements for a line of credit. In many cases the prerequisite for getting a non-bank credit card is to present your credit history and make timely repayments. But what if you have not used credit before and do not have such a history?? The solution is a non-bank card. By obtaining a non-bank card and paying off the limit on time, you build a positive image of yourself as a borrower, which may be useful in the future, e.g. When applying for a mortgage.

What are the conditions for obtaining a non-bank credit card?

It depends mainly on the offer you want to use. However, the most common are