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The Haetsal-lon Card is a credit card issued by the Korea Inclusive Finance Agency for low-income, low-credit individuals. It guarantees up to 2 million won and can be used for 5 years. The financial institutions handling it are Lotte, Hyundai, KB, Samsung, Shinhan, Woori, and Hana Card, and you can apply both online and offline.
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The Haetsal-lon Card is a product guaranteed by the Korea Inclusive Finance Agency, and it is a credit card product that can be used by low-income, low-credit individuals who have difficulty issuing credit cards and cannot receive credit card benefits such as installment payments and points. It is handled by a total of 7 military financial institutions.
You can apply for credit cards both online and offline. However, you can choose the card company that is most advantageous to you after comparing the annual fee and benefits of each card company as seen above.
The credit card usage limit is up to 2 million won per month, the installment period is up to 6 months, and the maximum usage period is 5 years. However, the usage limit is deducted by 200,000 won from the guaranteed limit, so the actual possible limit is up to 1.8 million won.
The target is low-income, low-credit individuals who meet the conditions such as credit score, required education, and disposable income.
1. Credit score: Credit score lower 20% or lower (based on KCB or NICE)
2. Those who have completed the required education for the Sunshine Loan Card conducted by the Korea Small Business Finance Agency
3. Annual disposable income of 6 million won or more
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Applicants must take the Sunshine Loan Card credit education course (3rd period) indicated as required in the photo below. You can check your certificate of completion by clicking ‘Online Learning Status’ on My Page after taking the course, and then checking the completed course. (There is no separate exam.)
Go to Sunshine Loan Card required education completion
Required education
1. Sign up
2. Online education
3. Education for loan users
4. Access Sunshine Loan Card and complete required education
Submitted documents may vary depending on the applicant’s current status, so be sure to check them. All documents must be issued within 1 month of the guarantee application date.
1. Credit card reissue can be applied for after 60 days of card cancellation, and the guarantee may be rejected or the limit may be different depending on the credit score for reissue. (If there is a remaining installment amount, you can apply when it is paid in full)
2. Since the usage limit is granted based on individual credit rating, the amount may be different for each individual. 3. Card loans (cash service, card loan, revolving), payment deferral and installment payments, etc. are not available.
4. There are also restrictions on use in entertainment businesses (pubs, nightclubs, etc.), gambling businesses (casinos, racecourses, lottery shops, etc.), golf courses, and some unauthorized payments.
5. During the warranty period, the card usage limit can be increased or decreased within the initially granted limit, and the card company cannot be changed.
Go directly to Sunshine Loan application
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