햇살론 카드 신청방법■ “Sunshine Loan Card,” a new guaranteed policy microfinance product, launched on October 27
ㅇ Even people with the lowest credit who had difficulty issuing credit cards can conveniently make payments and use funds by receiving credit card issuance support through the guarantee of the Korea Inclusive Finance Agency.
ㅇ The Sunshine Loan Card can be used by ① annual disposable income of 6 million won or more, ② personal credit score in the bottom 10% or less, and ③ working class people who have completed credit education.
■ Sunshine Loan Card is handled by Lotte, Woori, Hyundai, Kookmin, Samsung, Shinhan, and Hana Cards, and from Wednesday, October 27, cards can be issued after applying for a guarantee through the Korea Inclusive Finance Agency app.
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outline
□ In accordance with the ‘Policy Microfinance Supply System Reorganization Plan’ announced on March 31st and the ‘Sunshine Loan Card Business Agreement’ in which 7 full-time credit card companies* participated,
* (Full-time card companies participating in Sunshine Loan Card) Lotte Card, Woori Card, Hyundai Card, KB Kookmin Card, Samsung Card, Shinhan Card, Hana Card
ㅇ The “Sunshine Loan Card” will be launched from October 27th to improve payment convenience for the underprivileged and allow them to enjoy credit card benefits (points, etc.).
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Sunshine Loan Card main contents
□ (Eligibility for support) We support underprivileged people who ① have completed credit management training, ② have an annual disposable income of KRW 6 million or more, and ③ have a personal credit score of 10% or lower and do not have a personal credit card as of the date of application for guarantee.
① (Credit management training) Complete all 3 required courses for the Sunshine Loan Card on the Financial Education Agency’s financial education portal (https://edu.kinfa.or.kr)
※ When applying for a guarantee, whether or not you have completed training is automatically reflected by the Savings Fund through computer tracking.
② (Disposable income) The annual disposable income calculated by deducting the annual principal and interest repayment amount from annual income must be more than 6 million won*
* If the user consents (e-signature) to the collection and inquiry of personal (credit) information and inquiry of public institution data, the Savings Geumwon directly inquires and reflects the information to public institutions such as the National Tax Service and National Health Insurance Corporation or CB companies, so the user No proof of income required to be submitted
③ (Personal credit score) Personal credit score must be in the bottom 10%*
* Satisfied if the personal credit score of either NICE or KCB is 10% or less as of the guarantee application date.
□ (Guarantee amount) Depending on the guarantee review that takes into account the borrower’s repayment index* and credit rating, the deposit amount is granted differently, up to a maximum of 2 million won.
* Evaluation based on the degree of credit/debt improvement and efforts to increase credit rating
※ The card usage limit is lower than the guaranteed limit in consideration of unauthorized payments (transportation, communication fees, etc.)
□ (Restrictions on use) The use of some items is restricted, such as short-term and long-term card loans (card loans, cash advances), installment period restrictions (maximum 6 months), and entertainment and gambling industries.
□ (Supply plan) It will be launched on October 27th by six card companies: Lotte, Woori, Hyundai, KB Kookmin, Samsung, and Shinhan Card, and is scheduled to be launched by Hana Card in mid-November.
* Only one Sunshine Loan card can be issued
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How to apply for a Sunshine Loan Card
□ If you have applied for ① a guarantee to the Korea Inclusive Finance Agency and have gone through screening and entered into a guarantee agreement, you can apply for ② card issuance by selecting one of the seven agreement card companies.
① (Application for Guarantee) If you apply for a guarantee through the Korea Inclusive Finance Agency app or visit the Agricultural Finance Integration Support Center*, a guarantee agreement will be concluded after review.
* To visit the center, you need to make a reservation in advance, so if you want to apply quickly, you must apply through the app.
② (Card issuance) Apply for card issuance to 7 participating card companies online (PC, mobile), by phone, or in person (※ Application method varies by card company)
(Institute for the Promotion of Microfinance) ①Application for guarantee
(Card company) ②Card issuance
online
(app)
The Korea Inclusive Finance Agency app
Apply through
=>
online
(PC, mobile)
Lotte, Woori, Hyundai, KB Kookmin, Samsung, Shinhan, Hana
cable
Lotte·Hyundai
interview
After making a reservation at 1397 Call Center
Visit to the Microfinance Integration Support Center
interview
Lotte
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How to use the Sunshine Loan Card
□ Except for restrictions (restrictions on short- and long-term card loans, etc.) based on the purpose of a policy microfinance product, the method of use is the same as a general credit card.
ㅇ As this is a guaranteed card issuer, we do not operate an increase in usage limit*.
* In order to manage the risk of the savings bank and the credit card company, the Sunshine Loan Card usage limit may be reduced or the use of the card may be suspended if it is deemed necessary, such as when a delinquent payment occurs.
※ For more detailed information, such as annual fees and preferential benefits for each card company, please check
