햇살론카드 신청자격Now, credit card issuance is supported so that even those with low credit can make healthy consumption through the Sunshine Loan Card.
The Sunshine Loan Card is supported for those with an annual disposable income (actual income) of 6 million won or more and a credit score in the bottom 20% or lower.
The credit score standard is 700 points by KCB and 749 points or lower by NICE, and is applied based on a credit score that is favorable to the user.
The Sunshine Loan Card is guaranteed up to 2 million won per month by the Korea Small Business Finance Agency. The usage limit is granted by deducting 200,000 won from the guaranteed limit, and the usage limit is granted based on individual credit rating. The guarantee period is up to 5 years, the same as the card usage period.
The Sunshine Loan Card is issued by various card companies such as Lotte, Hyundai, Kookmin, Samsung, Shinhan, Woori, and Hana Card. However, use of some industries (entertainment, gambling, golf courses, firearms sales, adult product sales, etc.) may be restricted.
In addition, issuance is limited to 1 card per person, and the installment period is given for up to 6 months. Overseas payments are not possible, and it can only be used domestically. Family cards or postpaid Hi-pass credit cards cannot be issued.
▣ Application qualifications: ① Credit score lower than 20% (KCB or NICE standard), ② Annual disposable income (actual income) of 6 million won or more, ③ ‘As of 23.4.1, 700 points based on KCB standard, 749 points based on NICE standard, and applied based on credit score criteria that are favorable to users.
④ Those who have completed the mandatory training for the Sunshine Loan Card (Complete all 3 subjects of ‘Sunshine Loan Card mandatory training’ on the Financial Education Portal of the Small and Medium Business Administration)
▣ Sunshine Loan Card application: Apply for guarantee (Apply through the Small and Medium Business Administration app) → Complete the Sunshine Loan Card mandatory training on the Financial Education Portal → After signing the guarantee agreement, you can apply at 7 credit card companies.
▣ Usage restrictions: Card loans (cash service, card loan, revolving), deferral of payment and installment payments, and use of some industries are restricted.
The standards for entertainment and gambling businesses (pubs, nightclubs, etc.), gambling businesses (casinos, racecourses, lottery shops, etc.), golf courses, firearm sales, adult product sales, and some unauthorized payments) are applied in the same way as the national support fund (disaster support fund) standards (may differ depending on the card company’s industry classification criteria), and issuance is limited to 1 card (company) per person.
The installment period can be used for up to 6 months, and is issued exclusively for domestic use, overseas payments are not allowed, and family cards and postpaid Hi-pass credit cards cannot be issued.
▣ Required documents: Documents that can verify employment/business operation for more than 3 months and pension receipt at least once, and each supporting document must be issued within 1 month of the guarantee application date.
* Examples) Proof of employment, business registration certificate, pension beneficiary confirmation, income certificate, payment details issued by pension institution, etc.
◈ Eligibility: If you have used the Sunshine Loan Card for more than 1 year, have used the Sunshine Loan Card within the past 3 months, and have no delinquent payments as of the date of application, you can increase the amount.
◈ Increase limit: The limit can be increased within a maximum of 3 million won (previously 2 million won), and the increase limit is granted differentially depending on the results of the review.
◈ How to use: After a limit expansion review on the Small Business Finance Promotion Agency app, you can apply through 7 card companies. If you cannot use the Small Business Finance Promotion Agency app, you can do so at the Small Business Finance Integrated Support Center (1397 Call Center).
▣ How to complete education: Complete at least 3 mandatory courses of “Haetsal Loan Card User Education” on the Financial Education Portal of the Korea Inclusive Finance Agency (Completion is automatically checked by computer, and if not completed, the guarantee agreement cannot be concluded.)
* Access the Financial Education Portal of the Korea Inclusive Finance Agency – Sign up – Online Education – Loan User Education – Access the Haetsal Loan Card and complete the mandatory education (If completed, you can check the certificate of completion in My Page – Online Learning Status – Completed Education.)
Data source: Korea Inclusive Finance Agency
The Korea Inclusive Finance Agency supports low-credit individuals to receive credit cards and enjoy various benefits through the Haetsal Loan Card.
We hope that you can expand your choices for consumption and live a better financial life. This concludes the posting about the Haetsal Loan Card.
(Eligibility for Education Support Loan Application)【☞ Click here ☜】
Eligibility for Education Support Loan Application
Today, I would like to share information for those who are having difficulties due to education expenses. These days, the burden of education costs is increasing, and many people are having a hard time. Recently, CNN, an American broadcaster, said that Korea
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