Статьи

10 credit cards that give everyone without exception

Credit cards that are also available to those clients that receive everywhere refuses to design them in banks.

disadvantages

10 credit cards that will give all

Kesbek for shopping

Kesbek for shopping

Fast decoration

Fast decoration

Delivery to any place

Delivery to any place

up to 700,000 rubles.

Credit limit

before 55. Days

Grace period

Fast decoration

Fast decoration

Delivery to any place

Delivery to any place

up to 500,000 rubles.

Credit limit

before one hundred Days

Grace period

Map parameters
  • Bank: Alpha Bank
  • Card name: 100 days without interest
  • Card Type: Credit
  • Payment system: There are many expenses on which the action of the grace period does not apply (cash transmission, operations in casino and online games, shopping in pawnshops, remittances, transfers to electronic wallets);   Olga Butov
  • Functions:
3D SECURE technology,
  • Paypass / paywave
  • Map with chip
  • Terms of registration
  • Cost of release: free
  • Annual service: 590 rubles.
Card validity: 3 years
  • Keshbek: No.
  • Percentage on the residue: no
  • Lending
Amount: up to 500,000 rubles.
  • Grace period: 100 days
Rate: 11.99%
  • Cash withdrawal
  • up to 50,000 rubles: free
  • Requirements for holder

Documents: Russian passport

Fast decoration

Fast decoration

Delivery to any place

Delivery to any place

Age: from 18 years

Credit limit

before Income: Permanent income from 5,000 rubles. After deducting taxes Turn

Grace period

Map parameters
  • up to 299 999 rubles.
  • 51.
  • Card Type: Credit
  • Payment system: There are many expenses on which the action of the grace period does not apply (cash transmission, operations in casino and online games, shopping in pawnshops, remittances, transfers to electronic wallets);
  • Functions:
3D SECURE technology,
  • Paypass / paywave
  • day
  • Bank: MTS Bank
  • Map Title: MTS Money Weekend
  • Annual service: 590 rubles.
Card validity: 3 years
  • Annual service: 900 rubles.
  • Card validity: 5 years
  • Kesbek: Yes
Amount: up to 500,000 rubles.
  • Amount: up to 299 999 rub.
  • Grace period: 51 days
Rate: 11.99%
  • Cash withdrawal
  • Board: 24.9%
  • Without a fee: in any ATMs on the territory of the Russian Federation when removing their own funds.
  • With Commission: Credit funds - 3.9% + 350 rubles.

Documents: Russian passport

Kesbek for shopping

Kesbek for shopping

Fast decoration

Fast decoration

Delivery to any place

Delivery to any place

Age: from 20 to 70 years

Credit limit

before Income: Official earnings more than 15 thousand rubles. Taking into account the taxes paid. Days

Grace period

Map parameters
  • Work: the minimum term at the last place of work is 3 months.
  • up to 350,000 rubles.
  • Card Type: Credit
  • Payment system: There are many expenses on which the action of the grace period does not apply (cash transmission, operations in casino and online games, shopping in pawnshops, remittances, transfers to electronic wallets);
  • Functions:
  • 1080.
  • Bank: Sovcombank
3D SECURE technology,
  • Paypass / paywave
  • Map Title: Installation Map Halva
  • Terms of registration
  • Map Title: MTS Money Weekend
  • Percentage on the residue: up to 5%
Card validity: 3 years
  • Kesbek for a conka: up to 6%
  • Annual service: free
  • Percentage on the residue: yes
Amount: up to 500,000 rubles.
  • Amount: up to 350,000 rubles.
  • Grace period: 1080 days
Rate: 11.99%
  • Cash withdrawal
  • Rate: 10%
  • Limit: 100 000 rubles.

Documents: Russian passport

Kesbek for shopping

Kesbek for shopping

Fast decoration

Fast decoration

Delivery to any place

Delivery to any place

Commission: 2.9% + 290 rubles.

Credit limit

before 55. Days

Grace period

Map parameters
  • Age: from 20 to 80 years
  • Registration: availability of registration and accommodation in the region where there is Sovcombank
  • Card Type: Credit
  • Payment system: There are many expenses on which the action of the grace period does not apply (cash transmission, operations in casino and online games, shopping in pawnshops, remittances, transfers to electronic wallets);
  • Functions:
3D SECURE technology,
  • Paypass / paywave
  • Map Title: Installation Map Halva
  • Bank: MTS Bank
  • Map Title: MTS Money Weekend
  • Percentage on the residue: up to 5%
Card validity: 3 years
  • up to 300,000 rubles.
  • Bank: Renaissance Credit
  • Card Title: Map 365
Amount: up to 500,000 rubles.
  • Amount: up to 300,000 rubles.
  • Grace period: 55 days
Rate: 11.99%
  • Rate: 23.9%
  • Credit funds: 2.9% of the amount of operation + 290 rubles.
  • Own money: free
  • Documents: Russian passport
  • Age: 24-65 years
  • Income: 12,000 rubles. for residents of Moscow and 8,000 rubles. For residents of other regions

Documents: Russian passport

Fast decoration

Fast decoration

Delivery to any place

Delivery to any place

Commission: 2.9% + 290 rubles.

Credit limit

before Work: minimum experience 3 months Days

Grace period

Map parameters
  • Registration: required
  • Second document to choose from: passport, driver's license, personal bank card, diploma of secondary special or higher education
  • Card Type: Credit
  • Payment system:    Olga Butov
  • Functions:
3D SECURE technology,
  • Paypass / paywave
  • Map Title: Installation Map Halva
  • 56.
  • Cost of release: free
  • Annual service: 590 rubles.
Card validity: 3 years
  • up to 300,000 rubles.
  • Bank: Expobank
  • Card Title: Benefit
Amount: up to 500,000 rubles.
  • Card validity: 4 years
  • Grace period: 56 days
Rate: 11.99%
  • Rate: 26.9%
  • Day limit: 300,000 rubles.
  • Commission: 3.9% + 390 rubles.
  • Documents: Passport

Documents: Russian passport

Fast decoration

Fast decoration

Delivery to any place

Delivery to any place

Commission: 2.9% + 290 rubles.

Credit limit

before Income: Permanent income from 5,000 rubles. After deducting taxes Turn

Grace period

Map parameters
  • Age: from 21 to 70 years
  • Income: presence of permanent income
  • Card Type: Credit
  • Payment system:    Olga Butov
  • Functions:
3D SECURE technology,
  • Paypass / paywave
  • Map Title: Installation Map Halva
  • Terms of registration
  • Cost of release: free
  • Annual service: 590 rubles.
Card validity: 3 years
  • up to 300,000 rubles.
  • Card validity: 5 years
  • Job: It is necessary to confirm the career if the credit limit on the map needs more than 200,000 rubles. (percentage of min. 3 months)
Amount: up to 500,000 rubles. Rate: 11.99%
  • Cash withdrawal
  • Bank: Home Credit Bank
  • Map title: installment map freedom

Documents: Russian passport

Fast decoration

Fast decoration

Commission: 2.9% + 290 rubles.

Credit limit

before Rate: 17.9% Days

Grace period

Map parameters
  • Age: from 18 to 64 years
  • Income: Permanent Earnings
  • Card Type: Credit
  • Payment system: There are many expenses on which the action of the grace period does not apply (cash transmission, operations in casino and online games, shopping in pawnshops, remittances, transfers to electronic wallets);
  • 180.
3D SECURE technology,
  • Paypass / paywave
  • Map Title: Installation Map Halva
  • 56.
  • Cost of release: free
  • Annual service: 590 rubles.
Card validity: 3 years
  • up to 300,000 rubles.
  • Bank: Citibank
  • Map Title: Just Credit Card
Amount: up to 500,000 rubles.
  • Functions:
Rate: 11.99%
  • Rate: 23.9%
  • 3D SECURE technology,
  • Paypass / paywave
  • Grace period: 180 days

Documents: Russian passport

Kesbek for shopping

Kesbek for shopping

Fast decoration

Fast decoration

Delivery to any place

Delivery to any place

up to 500,000 rubles.

Credit limit

before Rate: 20.9% Days

Grace period

Map parameters
  • Commission: 0 rub. For cash withdrawal
  • Age: from 20 years
  • Card Type: Credit
  • Payment system:    Olga Butov
  • Functions:
3D SECURE technology,
  • Paypass / paywave
  • Map Title: Installation Map Halva
  • 56.
  • Map Title: MTS Money Weekend
  • Annual service: 590 rubles.
Card validity: 3 years
  • Keshbek: No.
  • Income: from 30 000 rubles.
  • Work: living and working in Moscow or Moscow region, St. Petersburg or Leningrad region, Yekaterinburg, Samara, Rostov-on-Don, Ufa, Volgograd, Novosibirsk, Kazan, Nizhny Novgorod, Krasnodar
Amount: up to 500,000 rubles.
  • 90.
Rate: 11.99%
  • Rate: 23.9%
  • Bank: Eastern Bank
  • Map title: 90 days without%
  • Grace period: 90 days

Documents: Russian passport

Kesbek for shopping

Kesbek for shopping

Fast decoration

Fast decoration

Delivery to any place

Delivery to any place

Rate: 18%

Credit limit

before Commission: 0 rubles. on cash withdrawal Days

Grace period

Map parameters
  • up to 299 999 rubles.
  • Age: from 21 to 72 years
  • Card Type: Credit
  • Payment system: There are many expenses on which the action of the grace period does not apply (cash transmission, operations in casino and online games, shopping in pawnshops, remittances, transfers to electronic wallets);
  • Functions:
3D SECURE technology,
  • Income: Availability of stable income, Help 2-NDFL or in the form of a bank
  • Map Title: Installation Map Halva
  • 56.
  • Map Title: MTS Money Weekend
  • Percentage on the residue: up to 5%
Card validity: 3 years
  • Work: experience in the last place of work at least 3 months
  • up to 1,500,000 rubles.
  • Percentage on the residue: yes
Amount: up to 500,000 rubles.
  • 1100.
Rate: 11.99%
  • Rate: 23.9%
  • Board: 24.9%

Documents: Russian passport

Map Title: MTS Money Zero

Release Cost: 299 rub.

Amount: up to 1,500,000 rubles.

  1. Grace period: 1100 days
  2. Without commission: in any ATM and abroad
  3. How to get a map that will definitely approve?
  4. Despite the variety of proposals, banks are often refused to issue a credit card.
  5. Causes of refusal:

Unsatisfactory credit history, payment of previously decorated loans with delay.

A high level of alignment of the applicant (2 and more loans are issued on the amount of more than 75-100 thousand rubles).

  1. The absence of mandatory documents from the borrower - 2 NDFLs, copies of the employment record, military ticket, SNILS. These documents are asked not in all banks. But there are institutions that necessarily check the solvency of each client.
  2. The lack of permanent registration at the point of referring to the credit card.
  3. Non-compliance with the client's age with the requirements of a specific financial institution. There are banks, ready to issue credit cards to persons from 18 years. But there are a number of organizations operating only with borrowers aged 21-23 years.

Each bank employee is required before filling in the questionnaire visually checks the personality of the applicant, its appearance.

To get a map that will definitely approve, you need to in advance:

Pay off debts, for example, microloans in MFIs or small bank loans. This can be done with refinancing.

  1. Take at work a certificate confirming income and an extract from the employment record. Also prepare a military ID - if you have and check if the Inn passport is in the passport
  2. Charge your mobile phone and suggest its number manager unmistakably. Large limits on banknotes approve only after the call of the underwriter or security services. If you do not answer the call, you will refuse.
  3. If you do not meet the conditions of the bank regarding age, choose another creditor. In the presence of registration in the neighboring region - apply for a card via the Internet.

Do the credit card give even a bad credit history?

A spoiled credit history is the first reason why not give loans to the applicant. Refusal to them and in the issuance of a credit card. What to do in such a situation?

Refinanize existing credit obligations. Combine several credits in one. Pay on them proper within 2-3 months. Then apply for the card anew.

Try to close one unsuccessfully paid loop by microlo. Return it in a timely manner.

Choose one bank as a partner and use its services on a regular basis. Open deposits there, settlement accounts, carry out translations with the Commission, pay for the services of third-party organizations. The "richer" will be the history of interaction with the chosen institution, the greater the chances of getting a credit limit there.

  1. Some applicants do not fix history. They refer to banking structures, where they will give a map even with delay or with unpaid obligations to other creditors.
  2. There are few such banks, and the tariffs they offer high. The grace periods are practically absent, and for each late introduction of funds, considerable fines are accrued.

Using such a banknotes for several months, you can refinance it under favorable conditions in another bank.

What requirements are banks impose?

Turning to bankers for the card for the first time, prepare a set of certificates:

  1. The passport. On copies, banks do not work. Overdue and fake passports do not accept consideration. SNILS, military ID - for men. Request them infrequently. However, they are another confirmation of your personality.
  2. Many lenders today will give you a payment facility without reference if you receive wages on their debit card. If you are a third-party client, prepare 2-NDFL, a copy of the employment record. First, these documents will confirm your solvency. Secondly, the bank will receive additional information about you, which will also increase the rating and increase the chances of approval of the completed application. 5 tips how to make a credit card
  3. No matter what bank you are going to issue a credit card, listen to the following advice. They will help you get approval in any situation. Choose bank carefully
  4. . Those institutions that make cards in a few minutes, do not explain the features of debt payment, calculating the grace period and even nuances of making payments through ATMs. Many borrowers as a result allow the first delay and spoil their credit history. It is also more profitable and it is more convenient to make money through ATMs, so choose the office of the lender, which is located next to your home. Correctly specify information about you
  5. . All information is checked by competent employees. You will not be given a loan if you incorrectly indicated phones or knowingly provided infrade information about the employer. Prepare for a bank visit

. The appearance of the applicant is visually checked by managers. Take with you the entire set of documents confirming the identity in order for the first requirement without returning home, provide them with a bank employee.

Check your financial opportunities in advance.

  1. . Measure your salary with approximate monthly payments. They should not take 50% of your income. The credit card limit you request yourself. Better first take a small amount. You can pay a debt on time, the bank will propose to increase the limit. Without work, it is better not to take a credit card
  2. . Penalties for late making payments on it are considerable. But the unofficial source of income, on the contrary, will increase your chances of receiving the limit and will allow you to close the debt in a timely manner. What to pay attention to when making a map?
  3. Before putting a signature on a loan agreement, study it. Pay attention to: Interest rate
  4. . It begins to accrue at the end of the preferential period. Calculation of a grace period

. Sometimes it begins to act since the activation of the map, for example, when removing the first means. In some cases, from the date of issue. There are also banks that establish a certain billing day from which it will calculate the surprising period.

Minimum monthly payment size

. If the debt is not returned to the grace period, the bank automatically divides it for 2-3 years. The minimum payment is equal to 5-8% of the amount of the debt. But overpays over this period of time will be big.

Penalties

. For the first delay in the finishes are small, then the percentage of the amount and a fixed fine are charged. They are written off primarily upon receipts on the map. Therefore, it is worth carefully tracking the amount of debt through your personal account or SMS messages.

Also recommends to find out which credit cards can be replenished through ATMs of partner banks without commissions, and which - through a personal account by writing off from debit account. This will simplify the debt payment process and will not allow you to make overwhelms under this contract.

Credit card is a payment card on which the bank's money lie. When you buy something on a credit card, you take off the bank and then give.

A credit card can be paid on the Internet, shops, cafes, restaurants, pharmacies and shopping centers - in any places where bank cards accept for payment. From the point of view of the store, the credit card is no different from the debit: it is the same money. РMoney on a credit card belongs to the bank. When you calculate them, you take this money off the bank. Despite the fact that the thing purchased on credit money becomes your own money yourself is not yours. They will need to return. The amount you took from the bank is called debt. The bank gives you money is not easy, but for a fee: the percentage of debt. РMost credit cards have an interest-free period. This is the term for which you can fully pay off the credit card debt and not pay interest on the bank's loan. The bank is beneficial when you quickly return the money, so he is ready to forgive you interest. РThe interest-free period applies only to non-cash payments. If you take cash to credit funds, the bank will immediately write interest from your account for using a credit card. РIn addition to banking money, your own money can also lie on the credit card. For their use, the Bank does not take interest if at this moment you should not do anything to the bank.

For example, your credit card balance is 100,000

, and its credit limit - 70,000

. This means that out of the amount of 30,000

- Your money, the rest is the money of the bank. If you buy an iPhone for 60 000 РAnd pay the card, then spend 30 thousand your own money and take another 30 thousand from the bank. РWhat loan can be obtained with a credit card?

The amount of credit on the card bank determines individually for each client. It depends on your credit history, monthly income and the type of credit card. If you have a bad credit history or a small monthly income, the Bank may refuse to issue a credit card or offer a small credit limit.

If you have been cooperating with the bank for a long time and pay loans on time, the bank can increase your limit. To do this, pay the loan arrears at least three business days before the repayment date, so that the money is received on time to the account, and correct the credit history errors.

For example, the maximum loan amount on the map - 700 000

. But for you, the bank approved only 30,000

. If during the year you extend the debt on the loan in time, then at some point the bank will increase your credit limit to 50-100 thousand. If during the next year you continue to use the card and properly return debts, the bank may increase the limit to 200 and even up to 700 thousand.

According to which principle, the Bank makes decisions on limits - the secret of the bank. But the general rule is invariably: good borrowers are good loans.

How to make a credit card?

To make a credit card, contact the Bank's Office or leave an application on the Bank's website. To make a map you need a passport. Some banks will ask for a certificate from the place of work in the form of a 2-NDFL over the past six months and documents confirming employment is to confirm your income and solvency.

The bank may approve a credit card issue without a request from the client. For example, call or send SMS with the loan amount. You may agree to issue a map or deny the bank. If you agree, be prepared to provide the bank all the necessary documents.

Is it possible to get a credit card with home delivery?

Often the credit card can be delivered to the house. This method is offered online banks. It is convenient: you do not need to spend time on the road to the bank and stand in the queue. You fill out an application on the site and, if necessary, send photos or scans of documents. The bank will release a nominal credit card and organizes its delivery to your home or to work.

For example, for registration of the Tinkoff Platinum credit card, fill out an application on the site and provide your passport details - the Bank will check your credit history and report deciding. If the loan is approved, the courier will specify the delivery time and brings the card home or to work according to prior arrangement.

How to make debt on credit card? РDespite the fact that things purchased by credit card immediately become yours, you are not yours on the credit card. After they were spent, they need to be returned. РCredit card debt can be paid off with a debit card or payment in the bank branch. Also many banks accept payments through payment terminals and ATMs. Commission for transfers and payments depends on the conditions of the bank or partner. For internal transfers, banks usually do not take the commission. РIn order not to pay interest for a loan, repay the debt in an interest-free period. Each month, the bank sends you an extract in which the amount of your debt and payment period are indicated. Fill a debt entirely to the specified date, and the bank will not accrue interest, and in credit history you will have everything clean. РDo not confuse overall debt with minimal payment. Total debt is how much you have to jar. The minimum payment is the Bank's requirements: this amount must be made to the specified date as confirmation of your solvency. Interest on the credit card is included in the minimum payment. РFor example, at the beginning of the month you spent 30,000 on credit card

. The bank sent you an extract with the date of payment, the total amount of the debt of 30,000

and the amount of mandatory payment - 3100

. If you enroll in the account of 30,000

, you will not pay interest on the loan. If you enroll only 3100

You will pay the bank interest from the remaining amount of debt.

What is the difference between credit cash and credit card?

Many banks offer not only credit cards, but also cash loans. The principal difference is on the time and possibility of removal.

Cash loan is immediately credited to the account, and it can be completely removed in an ATM. By credit card you can only pay non-cash, for removal - fine.

Credit cash has a clear maturity. A credit card is fundamentally not long as long as you make a minimum monthly payment.

Cash loan is returned by monthly fixed payments, which will be spelled out in a loan agreement. The size of your actual spending does not affect the size of a fixed payment. A credit card has a minimum payment depends on how much you actually spent.

In fixed payments on the loan cash, interest the bank is prevalent. Therefore, the sooner you return a cash loan, the less you pay the bank. According to the credit card, on the contrary, interest on debt is accrued evenly depending on the actual spending.

For example, you have a monthly payment of 10 thousand rubles. In the first month of these 10 thousand 8 thousand, the bank is leaving for interest, 2 thousand - to the credit account. In the second month of 7500, you pay in interest, and 2500 to the credit account. In the third - 7000 per percent, 3000 for a loan. And so on until you pay all interest banks. And the remaining time will pay money to the remaining debt.

A credit card has an authentic interest-free period when money can be returned without overpayments. There is no such concept of a cash loan, but in some cases it can also be returned to it without overpayments - learn a loan agreement.

Both credit card and cash loan can be repaid early.

Often in banks to the loan cash impose insurance of the life or health of the borrower as a percentage of the total amount of the loan. Credit cards are insurance as a percentage of actual debt. In both cases, the insurance can be abandoned.

  1. What is more profitable for me: cash loan or credit card?
  2. Usually a credit card is used for travel and as a cushion for everyday spending. Credit card is a good way to take in the bank "to salaries". On the credit card it is convenient to receive bonuses. The credit card can be used in the "Credit Shoulder + Deposit" scheme to receive an additional income.
  3. Cash loan is drawn up to pay cash. For example, take a loan for repairs, remove money in an ATM and pay cash with masters.
  4. For the purchase of expensive things like an apartment or a car usually take target loans secured by these things. For example, a mortgage loan is a loan secured by an apartment. Car loan is often given secured by the machine. The rates of these loans are lower than in credit cards and cash loans.
  5. How to use a credit card
  6. Do not use a credit card when buying a car or apartment. Take the target loan.
  7. Do not use the credit card for cash withdrawal - immediately get to fines.

Pay a debt on time to not bring to interest.

Do not spend money from a credit card, if there is no funds to pay off all debt. Sleep exactly as much as you can return. Regardless of what your credit limit you have, live by means. If you can't buy something for your own money, do not buy it for credit - this money will have to return, and with percentages.

Pay all purchases with credit card to get more bonuses.

Do not release a card from hand when paying in a cafe or restaurant. Ask the waiter to bring the terminal to the table or go to the checkout.

Do not use credit or any other cards to open locks, as they do in films.

What is a grace period

The grace period is when you can not pay interest on the credit card. In each bank, your interest-free period. In Tinkoff Bank, it is 55 days from the first day of the calculated period.

Typically, the bank sets the dates of the billing period automatically, and on the last day forms an extract and for three days sends it in a letter or SMS.

телеграм

During the preferential period, after discharge, you need to pay off the debt, so as not to pay interest on the credit card. On the end of the end of the interest-free period, the bank will remind the discharge, in the Personal Account and Mobile Appendix. So you probably do not forget to pay off the debt on time.

How to close a credit card

You can close the bank card in the bank or remotely. In each bank in different ways.

To close the credit card in a Tinkoff Bank, write in the chat of the application, by e-mail or call the support service. If there is a debt on the map, the bank employee will report its amount with accuracy to kopecks. Fill it before close the map. If you have no debt, the bank will close the card within 30 days.

Author - Karina Fomina

Technology 2021

Even approval

Decision in 15 minutes

Rate: 23.9%

All banks in one place

Quickly, convenient, profitable Альфа-банк

Limit 500 000 ₽

Removal without commission

Technology 2021

Decision immediately online

Even approval

License of the Central Bank of the Russian Federation

Rate: 23.9%

Issue

Alfa Bank JSC

🔥 Best approval

Quickly, convenient, profitable кредит Экспобанк

Grace period: 100 days.

Delivery is free

Without% cash. in bank-tach

License Central Bank of the Russian Federation № 1326

License of the Central Bank of the Russian Federation

t. 8 (800) 200-00-00

LLC "Exobank"

Rate: 23.9%

Limit 300 000 ₽

Grace period: 56 days.

Quickly, convenient, profitable хоум кредит банк

Without a visit to the bank

Approval: 98.1%

Fast activation

License Central Bank of the Russian Federation № 2998

Decision in 15 minutes

t. 8 (800) 500-07-70

LLC HOUM Bank loan

Rate: 23.9%

Installation map 10 months

0% for all installments

Quickly, convenient, profitable альфа банк

Limit 500 000 ₽

Technology 2021

Large limits

Shopping everywhere up to 51 days.

License of the Central Bank of the Russian Federation

Approval: 97.2%

License Central Bank of the Russian Federation № 316

t. 8 (495) 785-82-22

Alfa Bank JSC

🔥 Best approval

Quickly, convenient, profitable kviku

Grace period: 60 days

Cashback up to 6% on OST.

Return to 11% miles

Approval: 98.5%

Free Removal

IFC "Eyroloans"

Virtual Card.

Rate: 23.9%

Instant edition

Limit 100 000 ₽

Quickly, convenient, profitable мтс банк

Free service.

Up to 30% cachek

Approval: 90.1%

[email protected]

t. 8 (499) 649-66-75

PJSC MTS-Bank

Rate: 23.9%

Limit 299 999

Card release: free

Great. Period: 51 day

Quickly, convenient, profitable мтс банк

Free service.

Cashback: from 1 - 5%

License of the Central Bank of the Russian Federation

Approval: 98%

Service 900 ₽

License Central Bank No. 2268

t. 8 (800) 250-0-520

Rate: 23.9%

Card release: free

Great. Period: 51 day

Quickly, convenient, profitable восточный банк

Limit 150 000 ₽

Delivery is free

Cost of issuing: 299 ₽

Bet: from 0%

Free shipping

Approval: 93%

PJSC KB "East"

Rate: 23.9%

Delivery in 24 hours

Up to 15% cachek

Quickly, convenient, profitable Райффайзен банк

0% for buying 90 days.

Approval: 94.3%

Cacheback 10% miles

License Central Bank of the Russian Federation № 1460

License of the Central Bank of the Russian Federation

t. 8 (800) 100-71-00

Raiffeisenbank JSC

Rate: 23.9%

Limit 600 000 ₽

0% Cash Removal

Quickly, convenient, profitable УБРиР

Grace period: 110 days.

Approval: 88.7%

Free. service

License of the Central Bank of the Russian Federation № 3292

t. 8 (800) 200-0-981

License Central Bank No. 2268

License Central Bank of the Russian Federation № 316

Rate: 23.9%

PJSC KB "Ubrir"

Limit 700 000 ₽

Quickly, convenient, profitable тинькофф

Grace period 240 days.

Cashback up to 10%

License of the Central Bank of the Russian Federation

Decision in 15 minutes

Age since 19 years

License Central Bank of the Russian Federation № 429

t. 8 (800) 100 0200

Rate: 23.9%

JSC "Tinkoff Bank"

Limit 1 000 000 ₽

Quickly, convenient, profitable Росгосстрах банк

Bet: from 12%

Approval: 97.7%

License of the Central Bank of the Russian Federation

Cachek up to 30%

License Central Bank of the Russian Federation № 2673

t. 8 (800) 555-79-99

PJSC "Rosgosstrakh Bank"

Rate: 23.9%

JSC "Tinkoff Bank"

Limit 1 000 000 ₽

Quickly, convenient, profitable тинькофф

Grace period 240 days.

Cashback up to 10%

Limit up to 500 000 ₽

Grace period: 62 days.

Cashback: from 7%, gas stations 100%

Free replenishment

Approval: 94.2%

Rate: 23.9%

JSC "Tinkoff Bank"

Limit 1 000 000 ₽

Quickly, convenient, profitable Альфа-банк

Limit 500 000 ₽

Approval: 88.7%

Large limits

For motorists

Approval: 98.3%

Grace period: 55 days

License Central Bank of the Russian Federation № 316

10% bonuses for polis

Alfa Bank JSC

🔥 Best approval

Quickly, convenient, profitable АТБ

10% bonuses on gas station

Technology 2021

Points for the purchase of TOV.

5,000 points as a gift

Up to 3 points for 10

Service 490 ₽

PJSC "ATB"

Rate: 23.9%

Delivery in 24 hours

Grace period 120 days.

Quickly, convenient, profitable Банк ВТБ

Service 0 ₽.

Cashback up to 10%

Rate: from 15%

Cacheback 10% miles

Approval: 94.1%

Cashback 10%

t. 8 (800) 775-80-80

Rate: 23.9%

VTB Bank (PJSC)

Grace period 110 days.

Quickly, convenient, profitable Альфа-банк

Limit 500 000 ₽

Removal without commission

Technology 2021

Decision immediately online

Even approval

License of the Central Bank of the Russian Federation

Rate: 23.9%

Issue

Alfa Bank JSC

🔥 Best approval

Quickly, convenient, profitable хоум кредит банк

Without a visit to the bank

Approval: 98.1%

Fast activation

License Central Bank of the Russian Federation № 2998

Decision in 15 minutes

t. 8 (800) 500-07-70

LLC HOUM Bank loan

Rate: 23.9%

Installation map 10 months

0% for all installments

Quickly, convenient, profitable Совкомбанк

Bet: from 11%

Approval: 92.4%

5,000 points as a gift

Cashback up to 20%

License of the Central Bank of the Russian Federation № 1000

t. 8 (800) 100-24-24

Amount: up to 500,000 rubles.

PJSC "Sovcombank"

Installation map: 0%

Registration 0 ₽.

Quickly, convenient, profitable Банк Открытие

Case term. until 18 months.

Technology 2021

Points for the purchase of TOV.

Up to 6% cache

Even approval

License Central Bank No. 2268

LLC HOUM Bank loan

Rate: 23.9%

Approval: 97%

License CB of the Russian Federation № 963

Quickly, convenient, profitable

Case term. until 18 months.

Technology 2021

t. 8 (800) 200-66-96

Bank "FC Opening"

Simple decoration

T. 8 (800) 444 44 00

License Central Bank No. 2209

Even approval

Cashback up to 11%:

Approval: 97%

Quickly, convenient, profitable

Transport

Travels

beauty and health

Cafes and restaurants

Approval: 98.4%

Credit cards online

Credit cards are in demand due to renewable limit and opportunities to always have money in case of unforeseen spending. But that this convenient financial instrument does not lead to the debt point, you must be able to use it competently. We recommend, where it is better to take a credit card online, bank catalog and get acquainted with feedback reviews.

  • What is a credit card and why it is needed
  • The credit card is a payment card, in which the bank's cash is underway. When using them, a person pays the goods or service to the money of the bank, after which gives debt. Credit cards are accepted in ordinary and online stores, restaurants and cafes, pharmacies and shopping malls - like familiar debit cards.
  • The credit cards will be useful when it is necessary to make an urgent purchase - for example, to acquire a product over a shares ending in a couple of days. Also, sometimes they successfully replace consumer credit: in this case, you do not need to contact the bank and expect solutions - borrowed funds are always available.

It is advantageous to use credit funds to design a collateral for a car's reservation or a hotel room. Money is only temporarily blocked, and not written off the card, so the interest on them is not accrued. And the client is exempt from the need to "freeze" personal funds.

There are several ways to pay for debt:

translate from another bank card (specify the commission in advance);

Bank transaction;

  1. Cash through ATMs.
  2. When using a credit card, especially with a large limit, it is necessary to follow the safety rules. If the credit card was stolen, it should be immediately blocked through a mobile application or appeal to bank employees. After that, experts will be transferred to the map.
  3. How to choose a credit card
  4. When choosing and designing credit cards should be read reviews about banks and their products.
  5. It is also recommended to take into account 5 factors:
  6. Interest rate size. Not always a low rate is beneficial: it is often compensated by expensive credit service or a high cost of its design.

Commissions for account replenishment, cash withdrawal, money transfers.

The duration of the grace period, during which you can use the money banks for free - just make a minimum payment. It is usually 50-55 days, in some banks - up to 120-240 days.

Additional options - the amount of cachek, bonuses, interest accrual for the residue, free service when performing certain conditions.

The cost of annual maintenance. Some banks have a free service, others depending on the type of card - from 790 to 5,000 rubles.

  • The amount of minimum payment. It is indicated in the conditions and tariffs of a particular bank.
  • It is not worth comparing the credit limit cards, since this indicator of the bank establishes independently. Standard maximum - 300-500 thousand rubles.
  • How to get a credit card on online application

You can leave an online application on the official website of the selected bank.

Procedure:

Fill out an online questionnaire on credit card, specifying personal and passport details, acting contacts (telephone, e-mail);

wait for the decision on request;

Pick the map in a convenient way - courier delivery, on your own through a bank visit.

In some banks there is only one way to pick up the map. For example, in Tinkoff, it will be delivered by a courier to the house or office, since this bank specializes only on remote service. Conditions for receiving a map are indicated on the official website of the selected organization.

  • Most often, the documents require a passport and a second document to choose confirming solvency (passport with marks about the departure abroad, TCP, certificate of registration of the car). When making a credit card online, it is necessary or loading into the service scans, or provide their bank employee when meeting.
  • Salary customers can only receive a credit card.
  • Frequently asked Questions
  • Why do banks refuse to issue a credit card?

Usually banks refuse to issue credit cards if the user:

consists in the black list of debtors;

little earns (based on official data);

has a corrupted credit history;

It has an outstand criminal conviction.

  • Not every bank indicates the reason for refusing, therefore, it will be necessary to analyze his decision.
  • To increase the chances of approval, check your credit history. Try to pay all debts. If you detect erroneous information, contact BKA and apply to correct them.

Approximately a few months, bank specialists revise the applications of clients who received refusals. When changing the resolution of banks, users will receive an SMS with a proposal to issue a credit card.

When and who to make a credit card unprofitable?

There are 2 situations when the loan is more suited instead of credit card:

It is necessary to shoot large amounts of cash via ATMs from the card: commissions and interest will be accrued immediately, and the grace period in this case is not provided;

A person plans to make a large purchase - for example, a car - since more pre-installed limit on the bank will not approve the Bank, and interest on the credit card is higher than by consumer loan.

The credit card is suitable for those who are planning financial spending and has savings. If a person is constantly performing spontaneous purchases and often remains to pay without money, then the debts on the map risk becoming a big problem.

How to calculate an interest-minded period?

Usually an interest-free period lasts up to 50 days. It consists of reporting and payment periods. Reporting - 30 days, during which the client enjoys a credit card. At its end, a consumption report is drawn up. Payment - 20 days, before the expiration of which you need to pay off debt on the map, so as not to pay interest in the bank.

So, if the report on the map is August 1, then from August 2, the grace period will begin. If you use a credit card on August 2, then the client has 50 days to return the debt bank without interest - until September 21. If a person paid for something on a credit card on August 9, then the term of the grace period is reduced to it up to 43 days.

It is not necessary to independently calculate the timing. In a mobile bank, there is all information about the reporting and payment period, on the end of the grace period.

What is the minimum payment?

This is a payment that the client brings to the set date to confirm its solvency. Interest on credit card are included in the minimum payment. On average, its amount is up to 8% of the debt size, and the term for payment is up to 25 days from the date of discharge.

Minimum payment alert comes on SMS, on e-mail. You can also get information in your personal account or mobile application.

If overdue the minimum payment, the bank implies a penalty. So, a single penalty of 590 rubles is removed in Tinkoff Bank, increased interest on the following purchases begin to operate. A representative of the bank will also contact the client to clarify the situation.

If financial problems occur, it is recommended to make more minimal payments. Small amounts will only prevent fines, and the amount of debt itself due to interest accrual every month will increase. It is recommended to abandon paid services - from insurance, notifications about operations.

  • How is the credit card limit set and how to change it?
  • The bank on its own non-disconnecting rules establishes a limit on the map. But if the client has a small salary or a damaged credit history, he can immediately count on a slight limit.
  • On their own initiative, customers can only reduce the limit. To do this, they need to contact the Bank's employees in any convenient way - by phone, through the online chat or with the personal contact of the office.
  • If the client actively uses the card and makes all the required payments in time, after a few months the bank can increase the limit. From this you can refuse.
  • To increase the limit, it is recommended:

often use the credit card;

in time to make payments without overdue - preferably in advance before the date of the mandatory payment;

monitor the relevance of your contact data;

in a timely manner to inform the Bank to increase the salary, the emergence of additional income;

Use other products of your bank.

If the credit history is spoiled by mistake, it is necessary to contact BKA to fix them.

How is the credit card arrears?

Credit organizations are proposed to insure a credit card debt in case the client will lose their ability to work on a permanent basis or asks. With the current insurance, the debt will not be paid by his relatives, but an insurance company. Each Bank has its own customer insurance programs.

Debt insurance monthly is 0.8-1% of its size.

To activate or disable the service, you must contact the Bank's employees - by phone, with personal handling. In Tinkoff, you can connect insurance through your personal account.

How to close a credit card?

If there is a debt on the map, then it will not be possible to close the credit card - you will need to first pay all debts, including commissions, interest and penalties.

  • In the absence of debts, it is necessary to contact the bank employees by phone, through the online chat, e-mail or with personal contact, after which it is reported to report the reluctance to continue using a credit card.
  • The client may encounter a blocking card on the initiative of the bank or payment system. The goal is to ensure security in suspected funds. When you lock the map, the Bank must provide an operator to the operator personal data and confirm the last credit cards. When blocking the card payment system, it will not be possible to unlock it - you will have to make a new card.
  • Pros and cons of credit cards
  • Credit cards are conveniently used for small daily spending those who are confident in their financial capabilities. Holders of credit cards enjoy financial independence and always have a certain amount of borrowed funds at hand.
  • Benefits

You can use the money of the bank for free - with timely repayment of debt;

  • There are bonuses, cachek for additional earnings on the bank;
  • According to some cards there is free cash withdrawal;
Ольга Кутовая

No need to be explained with the bank about where to spend money;

When paying the debt, you can take a debt again.


Добавить комментарий