Personal loan on credit card for Schengen visa with good salary
Upvote:1
If you need a credit advance to make your application credible then you probably can’t afford the trip. ECOs are not gullible, they will see through it. Your general financial situation should show a regular surplus of income over expenditure and savings sufficient to cover the trip and some on top (personally I think it unlikely 2 months’ worth would be enough). You can work out how much subsistence money is ‘enough’ by looking at how much your accommodation will cost and adding in planned daily food costs (e.g. €50 per day), travel costs etc. It’s impossible to say with certainty what sum is ‘enough’, it depends on your itinerary, where you are planning to stay, which tourist attractions you plan to visit etc.
Upvote:3
Do not - I repeat - do not bump up your balance for the application. This will surely get your application rejected for funds parking.
The reason they ask to see a banks statement because it is evidence of many things.
It shows steady income that matches what you have mentioned in your application. So if you say your salary is 5000, there should be some regular payments of 5000 that show a salary.
It shows that you are not borrowing for your trip or this trip is otherwise a financial burden on you. You don't want to see a bank balance of 500,000 if your salary is 5000 (unless you won some lotto, so in that case you would have to explain it).
The exact amount you would need to demonstrate that you can afford for this trip differs from one country to the next. Italy, for example, is very expensive vs. say the Netherlands or some other countries.
A cash advance from your credit card will not help - it may even hurt your application. You can say you have access to a credit card (there is a place to mark that on the application) and that is sufficient.
Again, keep in mind that the financial statement is just one part of the entire picture and they look at it for different purposes.
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