Morrowbank Kredittkort

Morrowbank Kredittkort

Låneeksempel: Eff. rente 28,77%, 12.000 kr o/12mnd, kost 1.726 kr, tot. 13.726 kr.

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Krav for å få kredittkort

Kredittkort er svært praktisk og hendig på mange måter. Blant annet kan du spare en god del penger ved å bruke kortet rett. Dette gjør du i form av de unike rabattene du finner i enkelte kort. Samtidig betyr smart bruk at du unngår rentebelastningen, ved å betale tilbake kreditten innen den rentefrie perioden utløper. Denne perioden er fra 45 dager til 52 dager, alt ettersom hvilket kredittkort du har. Kort som dette gir deg også bedre beskyttelse mot svindel, bedre klagemuligheter og sikrere handel, spesielt på nett og når du er i utlandet. For å få kredittkort, må du imidlertid oppfylle enkelte krav.

Kravene for å få kredittkort

Så lenge du er over 18 år, finnes det kredittkort du kan søke om. Et eksempel er Norwegian-kortet, et annet er det prisvinnende kortet fra re:member. Norwegian sitt kredittkort er ypperlig som et reisekort, mens re:member kredittkort er et særdeles bra all-round kort. Andre kort krever høyere aldersgrense, men det strekker seg stort sett aldri over 25 år.

Les: Kort med aldersgrense 18 år.

Økonomien din bør også være forsvarlig for at du skal få kredittkort. Du må ha fast inntekt over en viss grense, være bosatt i Norge eller norsk statsborger, samt ikke ha betalingsanmerkninger eller pågående inkassosaker. Du kredittvurderes alltid når du søker om kredittkort, på lik linje med om du søker om lån. Har du for lav kredittscore, vil du som regel får nei på søknaden.

Slik kan du unngå inkasso.

Justerbar kredittgrense

Enkelte personer vil få justert ned kredittgrensen de første månedene de har kredittkort. Dersom kortutstederen synes din økonomi er litt risikabel i forhold til hvor mye kreditt kortet normalt har, kan grensa settes ned inntil du har vist at du har disiplin til å håndtere et slikt kort. Denne grensa kan man søke om å få økt etter en tid.

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Alle låneprodukter du finner omtaler og artikler om av her på siden er gjenstand for en rangering, og omtales gjerne som «billigste», «beste», «anbefalt» m.m (listen er ikke uttømmende). Vi rangerer låneprodukter etter objektive vurderinger og skal kun fungere som veiledende for det enkelte låneproduktet. Vi vurderer låneprodukter etter parametere som renter, fordeler, lånetype, års- og/eller etableringsbegyr, maks. kreditt. I denne vuderingen gir vi deg informasjon som kan gi deg eventuelle fordeler. Alle vurderinger skal anses som objektive og er ikke nødvendigvis fullt dekkende for produktet eller markedet. Ta alltid en egen vurdering når du skal låne penger – det er tross alt din hverdagsøkonomi det er snakk om. Alle opplysningene her på siden tilstrebes å være korrekte, men feil kan skje og vilkår kan endres. Når du skal søke på et låneprodukt kan du, for din egen skyld, dobbeltsjekke at alle opplysninger du finner her samsvarer med de opplysningene du finner hos annonsøren. Det er alltid en god ide å sammenlign flere produkter for å finne det låneproduktet som gir deg mest for pengene og de beste fordelene!