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Hello, this is Kono. Today, I would like to tell you about the Sunshine Loan Card, a way for people with low credit to get a credit card. This product is a product that supports credit card issuance so that people with low credit can receive benefits such as installment payments and points that can only be obtained by using credit cards. Let’s take a look right away.
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Sunshine Loan Card is a product that supports credit card issuance so that people with low credit who cannot get a credit card can enjoy credit card benefits such as installment payments and points, and provide options for various financial products and make healthy consumption. Please check below for detailed information on the support target and support content.
The support target is as follows.
(1) Those with annual disposable income of 6 million won or more
→ Disposable income means [annual income – debt repayment amount (interest)], so you can apply for the Sunshine Loan Card only if your annual disposable income exceeds 6 million won.
(2) Those with a credit score in the bottom 20% or lower
→ Your credit score must be in the bottom 20% or lower. Please refer to the criteria for the bottom 20% below
※ Credit score criteria in the bottom 20%: 749 points or lower according to NICE, 700 points or lower according to KCB, and the score that is more favorable to the applicant is applied based on the two
(3) Completion of mandatory training
→ You must complete the Sunshine Loan Card mandatory training provided by the Korea Small Business Finance Agency to apply.
If you apply for this product, you can receive a Sunshine Loan credit card through the handling card company and receive a guarantee of up to 2 million won per month. However, the guarantee amount may vary depending on the individual’s credit rating. If you want to check the card benefits by handling company, please access the banner below and click on the application guide for issuance by the affiliated card company.
The monthly limit is the amount after deducting 200,000 won from the monthly deposit amount given to each individual. If you receive a monthly deposit of 2 million won, the monthly credit card usage limit will be 1.8 million won.
If you increase the limit, the deposit amount can be increased from the existing 2 million won to a maximum of 3 million won. However, the increase amount may vary depending on the review result.
To increase the limit, all three conditions below must be met.
(1) Those who have used the card for more than 1 year after issuance
(2) Those who have used the credit card for the past 3 months
(3) Those who have no delinquent payments as of the date of application
If you meet the three conditions above, you can increase the limit through the limit expansion review through the Small Business Finance Promotion Agency app.
You can apply for a guarantee by accessing the Small Business Finance Promotion Agency mobile app, and then complete the required training to enter into a guarantee agreement. After that, you can apply for credit card issuance through the following card companies.
Lotte Card, Hyundai Card, Kookmin Card, Samsung Card, Shinhan Card, Hana Card, Woori Card
Today, we looked into the Sunshine Loan Card, which can be issued even to those with low credit scores. If you need a credit card but cannot use it due to credit score issues, it would be a good idea to try it out. Then, I will come back with more helpful information next time. Thank you, Kono.
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