People who are over 18 years of age, have the capacity to discern, are not under legal restriction (guardianship) and whose creditworthiness is deemed suitable by the relevant bank can get a credit card. Banks set varying criteria for different professional groups, students and homemakers. Credit card requests from individuals are evaluated by banks taking into account these criteria, the Bank Cards and Credit Cards Law in force, and the regulation issued under this Law.
Which criteria matter in the application?
Anyone who meets the legal requirements can apply, but approval depends on the bank's credit assessment. Income level, existing debts, payment history and Credit Bureau (KKB) records are used in this decision.
For students and people without a regular income, some banks offer products with additional collateral or low limits. Supplementary card arrangements are also subject to different rules.
Providing accurate information during the application prevents problems later on. If the application is rejected, the reason can be obtained from the bank.
