When issuing a Sunshine Loan Card by meeting the above two conditions, you must complete the Sunshine Loan Card credit training for the third time. To complete credit education online, log on to the Financial Education Portal (r) of the Financial Services Agency and go to (2) Loan User Education in the online education list. It is compulsory to take.
After completing the Sunshine Loan Card credit training, you must sign a guarantee contract for the Sunshine Loan Card issuance through the “Finance Promotion Agency” app. As shown in the photo above, after running the low-income financial services agency app and logging in, ⑴ Sunshine Loan Card guarantee application details listed on My Page ② Complete the contract and ⑶ electronic signature to complete the submission. 삼성 햇살론카드
Sunshine Loan Card Usage Limit 이베이스매뉴얼
The warranty period of Sunshine Loan Card is 5 years, and the limit of guarantee is KRW 2 million, but the maximum usage limit is KRW 1.8 million per month after deducting KRW 200,000. The factors that determine the usage limit are: (1) individual creditworthiness and (2) the repayment index, etc.; It would be good to remember that the decision is made. (Example: If the guarantee limit is 1.6 million won, the usage limit is determined as 1.4 million won per month)
Change and extension of credit card company
Unfortunately, unlike general credit cards, it is difficult to change or extend a credit card company with Sunshine Loan Card. There is no limit to reapplying for a Sunshine Loan card instead, so if you want to change your credit card company, you can cancel your existing Sunshine Loan card and apply for another Sunshine Loan card after 60 days have elapsed. (Example: Apply from Shinhan Sunshine Loan Card to Hyundai Sunshine Loan Card)
Sunshine Loan Card Type
There are 7 types of Sunshine Loan cards: Woori Card, Hyundai Card, KB Kookmin Card, Samsung Card, Shinhan Card, Lotte Card, and Hana Card (to be released). As shown in the picture above, each card company has different annual fees and benefits, and there are also preferential benefits according to the previous month’s usage performance.
Hyundai Sunshine Loan Card
The annual fee of Hyundai Sunshine Loan Card is 10,000 won for domestic use only, and the amount used in the previous month is 300,000 won or more. The benefit is that you can receive a 1% billing discount in the living convenience area and a 0.5% billing discount in other affiliated stores without limiting the number of times. , GS25, E-Mart 24, 7-Eleven) and large marts (E-Mart, Lotte Mart, Homeplus) are applicable.
Samsung Sunshine Loan Card
The annual fee for Samsung Sunshine Loan Card is 5,000 won for domestic use, which is rather cheap. For the previous month, 7% discount for 300,000 won or more, up to 3,000 won, 15% discount for 600,000 won or more, up to 7,000 won combined monthly discount limit. provide. Discounted items apply to a total of 4 areas: Shopping (online shopping malls such as 11st, WeMakep) do.
Shinhan Sunshine Loan Card
Shinhan Sunshine Loan Card provides an integrated discount limit of 5,000 won for domestic use only, up to 12,000 won for the previous month’s usage amount of 300,000 won to 600,000 won, and up to 20,000 won for 600,000 won or more. The main discount items are 7% discount at daily shopping affiliates (supermarkets, discount stores, convenience stores, etc.), 10% discount at coffee shops and bakeries once a day, up to 3 times a month, weekend shopping malls (in Hanam Goyang Starfield, Jamsil Lotte World Tower) Shopping malls, Eunpyeong Gimpo Airport, Suwon Lotte Mall) offline stores, 10% discount is applied, and 10% discount is applied on weekends at the three major discount stores including E-Mart and Lotte Mart Homeplus.