On September 9, the Financial Services Commission of South Korea announced the introduction of two new card products aimed at supporting individuals with low credit scores who are diligently repaying their debts. One of the main initiatives is the deferred transport check card, which allows debt adjusters to utilize a credit function for public transport up to 100,000 won per month. If the user demonstrates good repayment history without any delinquencies, the card will gradually increase its limit up to 300,000 won, allowing users to not only use it for transport but also for other general payments.

The rationale for implementing such measures stems from the challenges faced by nearly 328,000 individuals currently in debt adjustment, who have limited access to common financial services such as credit products from private financial institutions until their debt adjustment status is cleared. By providing small credit limits through these new cards, the government aims to facilitate their integration back into the financial system and help improve their credit scores through responsible usage of the cards while enhancing their access to public transportation.

In addition to the deferred transport card, the card industry is rolling out a credit card product designed for low-credit individual business owners, known as the 'Sunshine Loan Card.' This initiative aims to offer financial support to small business operators who are experiencing temporary cash flow shortages, enabling them to sustain their operations without resorting to high-interest loans. Eligible applicants include those among the bottom 50% in credit scores who have no delinquencies and an annual disposable income exceeding 6 million won, highlighting the government's ongoing efforts to revitalize low-credit borrowers and support small business sustainability without putting them in further financial jeopardy.