Banks are increasingly encouraging their customers to take credit cards. Obviously, it’s worth it, even if you can have such a financial instrument, like a credit card, saving you at least an hour - for making purchases, you don’t need a check to get hold of the position from the side of the bank. Having drunk a drink, I bought it at once!
Take credit card It's easy, but you need to keep in mind that banks can take advantage of it. The availability of pennies is weakening, and it is often necessary to bring it to the point that the credit card holder misses pilgovy period and as a result, we pay a high amount to the bank.
No matter how many credit cards issued by banks are growing, people are becoming more and more interested in them.
Take a better credit card
If you are planning to use your credit card on a regular basis, you need to pay attention to SMS alerts, river services and other additional services.
“Deyakі banks proponoyut different loyalty programs to their clients. You can also use the cash back option, if some of the money when paying for the purchase is turned over to the client’s account, or different programs with partner companies, in order to claim discounts when paying with such a card, ”Dmitro Shilyaev, the head of the bank Yugra, said in an interview Yu. AIF".
IMPORTANT: credit card credit cards can go wrong, so you didn’t buy anything! For example, you tried to take a credit card with paid services or SMS notifications. The bank writes off pennies for services, and you don’t swear at the same respect, you risk closing in on the stitches!
Where is the best bank to get a credit card?
vibrating, take a credit card, experts to give respect to the bank, which proponuє credit card
“Whatever brings the brand to the bank, we have more confidence in the new one for the sake of reputation. If you have a fight against the flow of sanitation of the banking sector of Russia, you can gain respect for banks with sovereign participation or banks in the Top-10 warehouse," Ganna Bodrova, senior analyst at Alpari, appoints.
“It's best to take a credit card from that bank, the client of which you are already, but in such situations, banks give the most money. On the right in the fact that the bank, with which it is already mutual, call for a credit card with a minimum rate. At a glance with a card, as if it came to you by mail, or they chanted, phoned, otherwise, as if in order, vіdsotki, more or less, will be more great, ”explains Dmitro Shilyaev.
Food about those, like a credit card in present moment on the banking market is the best, it is also subjective and depends on an individual approach. For some customers, the most important is the minimum amount, for the others - the long-term honeymoon period, for the third - the minimum commission for the payment of the preparation.
The very same supporters, yakі joking nayvigіdnіshi propozitsії on credit cards, are guilty of orienting on different ratings. We conducted a pairing of credit cards of different banks, and compiled for you lists of the most preferred programs.
I remember! Take a loan first, think 10 times and apply once. If you can get a loan today with a rate of over 17% - it’s clearly a robbery. Shukaite best propositions. Stink є, їх require shukati. І do not forget obov'yazkovo before submitting applications to read this note, it will help you not to get serious pardons for you!
| Bank | % | Filing an application |
| More chances | Vid 9.9% | Checkout |
| Renaissance Credit best seen | Vid 9.9% | Checkout |
| Home loan varto also try | Vid 9.9% | Checkout |
| Alfa-bank credit card | 0% for 60 days | Application |
| Zv'yazkovy: card of stitching Sovіst credit card | incl. 10% | Application |
| Home Credit: Stitching Card Freedom Credit Card | in 12% of river | Application |
| Radcombank like everyone encouraged | Vіd 12% | Checkout |
How can I choose the best credit card?
Do not use a single opinion on the chain of nutrition, to that for a skin person, understanding “better” and “more visual” will be called different. We have put together a list of credit card ratings for you according to these parameters, so that we can give you respect when choosing a card product.
- Service quality
As for you, the number of offices and ATMs is the most important for you, Oschadbank is the leader behind this parameter. The border is widened throughout Russia, є branches near the borders of the SND. For example, the list of ATMs of this company in Moscow can be looked over at this article.
The more ATMs there are in the city, the easier it will be to take the preparation, if you need it. If you want here, you can name such banks as Alfa-Bank, VTB, Credit Europe Bank. Also, banks allow you to withdraw money without commission at partner ATMs.
2. Finding loans for a loan
Most of our readers are programs that show the lowest rates, because the very sight of them lay your final overpayment. For the data of the system of banking propositions, the least overpayment will be at.
Line cards - these are credit cards, which are only seen under 0% of rivers. You will spend your skis with your partner bank, you will turn your skis without overpayment. It’s more obvious that you’ll need a penny less for unpaid payment for goods and services. De є so propositions:
| REPAIR CREDIT: | |
| Rate % on river: | |
| Term (mis.): | |
| Loan amount: | |
| Monthly payment: | |
| You have to pay: | |
| Overpayment for a loan | |
| Apply now | |
Speed up with our extended calculator for the possibility of prompting a payment schedule and a repayment early redemption You can on this side.
Data can be changed, bankers can make changes to their programs. Also, it is indicated without adjustment of additional commissions, which are due for the first categories of clients, most of all - for corporate payrolls.
If you don’t want the option with a stitching card, and you want the mother to be able to transfer or get pennies, and also to pay with a credit card behind the cordon, then you will see future propositions. We have compiled the TOP-7 banks with the lowest banknotes:
| naming the jar | Interest rate, % | Amount, rub. |
| Asia-Pacific Bank | 9,25% | Up to 50,000 |
| 10% | Up to 150,000 | |
| Vid 11.5% | Up to 300,000 | |
| Vid 11.99% | Up to 1.000.000 | |
| Vіd 12% | Up to 1.500.000 | |
| Ex 13.9% | Up to 1.500.000 | |
| Shvidkobank | Ex 14.5% | Up to 345,000 |
3. Cards for earning bonuses for purchases
Deyakі banks spivpratsyuyut iz nadavachami commodities and services, schob clients could accumulate bonuses. Such programs are called affiliate programs, the stench is even more important for those who are allowed to get money for skin purchases.
If you have accumulated enough money, you can exchange them for a discount in various businesses - when buying gasoline at a gas station, when you get a ticket for a train or a ticket, pay for services to a restaurant, hotel, etc. Axis of the most popular propositions:
- For example, proponuє cards for those who often fly with aircraft and travel by trains from RZ.
- The system of bonuses is in Oschadbank, it is called "Thank you", more about it is possible. Also, here you can issue a partner product from the Aeroflot company, which allows you to withdraw airfare and exchange it later on free premium tickets for a leather purchase.
- Tinkoff promotes cards for carriers of other airlines, for Tele2, eBay and AliExpress subscribers.
4. Cards with the highest limit
For wealthy clients, it’s an important amount, such a stench can be cured all the time. To restore respect, that її rozmіr is installed for a skin care worker, depending on his income.
The maximum amount can be taken off only by VIP-level clients, as they confirmed the high platform. Cream of that great positions Seen only for status cards of the Premium category:
- Pivnichgazbank, Primsotsbank - up to 3.000.000 rubles,
- , VTB, Rosbank - up to 2,000,000 rubles,
- Sitibank, Fora-Bank, Soyuz, Russian Standard - up to 1.5 million rubles,
- UniCredit Bank - up to 1.200.000 rubles,
- Alfa-bank, Zenit, Absolut, and so on - up to 1,000,000 rubles.
As a rule, at the first time a client is brought to a banking company, he is praised small amount, yak without intermediary lie down in the open world of yogo salary. How to move the limit? For whom there are two ways:
- actively use the card and immediately pay off the bills that were vinickled,
- or bring to the company's office a proof that will tell you about the increase in your income.
In the first case, the bank itself will increase the available amount of money, and in the other case, it will look at your application and make a decision on this basis.
5. Cards with the great term of the rainy season
Grace period is an hour-long interval, with which you can’t get enough money on stained credit cards. You are more respectful to that guy, so you don't mind paying too much for your purchases.
De proponuetsya largest interest-free term:
- Asian-Pacific Bank - up to 2160 days,
- - Before 1850,
- - Up to 1100,
- Radkombank - up to 1080,
- i Geobank - up to 365,
- Citibank, Post Bank, - up to 120,
- Bank Soyuz - up to 115,
- - Up to 100.
If you keep in mind that this period is the maximum, and vіn vіdrakhovuєtsya not according to the date of purchase, but according to the star date. In other words, your grace period, statements like 50 days, can become 25 and 30 days, depending on the fact that you yourself have performed the operation.
It is important: read the general language at the contract, on which the non-conforming term is expanded. Ring out, dіє vyklyuchno unprepared operations, tobto. if you pay cards, and the axis for the operation of collecting the preparation of wines is not available.
With cashback (cash-back)
These cards are especially suitable for those who love shopping and regularly buy goods at the same trade fairs. When you win these cards, the songs of the sumi are turned on the rahunok. Under the hour of other promotions, the turnaround time can be 50-80% of stained glass.
Among the main shortfalls of such products - pay more available less in the amounts that are designated by the bank. Another minus is the small size of the standard reduction (up to 1.5-2%).
The process of turning the koshtіv on the rahunok:
- The store, in which the payment was made, repaid pennies.
- Cashback service, which has a contract with a trading network, has an additional card rack.
- Issuing bank transfers pennies.
The coins are returned immediately after payment, or 2-3 days later. Utrimuvachі cards can bachiti all categories of goods and services, for which to be carried out on their own Special Cabinet. There you can also find a list of trading companies that can take part in the promotion.
What parameters do you need to vouch for?
On the right, in what is presented in the advertising information, only part of the data is presented, for example: the rate is 12%, but it is not assigned, it can be up to 25% as a maximum. And already the bank itself is violating, what kind of credit to you - 12% or 25%.
- Commissions for the hiring of the preparation. Banks often charge for large sums of money to pay for services and purchases.
- Service commissions. The deyakі need to make payments for the service of the company.
- Expansion of the available limit. How many more wines, how many more credit cards you can get.
- Document package. Call the required passport and additional documents, as well as proof of income.
How to withdraw a credit card?
For whom, you can either turn around especially to the banking company you have chosen, or go to the official website and cancel the online application. Tse can be zrobiti for tsim possilannyam.
The questionnaire can be viewed no more than 1-3 years old, at the great installations - for a stretch of 1 working day. To praise you, ask you to the nearest office for a consultation. It is necessary to take documents on it - a passport of a citizen of the Russian Federation, a statement about income, sometimes SNILZ and a copy of labor. De take the card for one passport, rozpovіdaemo.
If you don’t want to spend an hour at the office watching, show respect for the programs, de credit cards forcibly. You can also use Tinkoff Bank, Russian Standard, Citibank and others, we can tell you about them in this article.
Himself at the Tinkoff Bank largest number praised applications for withdrawal of credit cards. This is explained by the fact that TCS Bank enjoys great loyalty to its customers, it lends to those customers who have small lines (closed) in KI.
І if you don’t need help from your clients, you will need a passport. Reports about yoga programs can be found.
article. If you just want to draw a position on the visual minds, then press here.
If you want to apply for a credit card, then go through the enrollment process. Other entries on this topic, please.
A credit card is a unique product that allows you to win a lot of credits at any convenient hour for you and every day without a break during the harvest period until all bonuses and privileges.
On scho zvernuti respect, stealing a loan?
Credit limit and interest rate. Not all banks are ready to put a high limit on their cards, so the creditors can take it off, as they can have a high and stable income, or a good credit history in the bank that issues the card.
The amount of these documents is added to the size of the hundredth rate; Withdraw credit card low vіdsotok, after pressing one document, obviously, you don’t see it. Bazhano zazdalegіd prepare 2-3 documents and dovіdku about income.
Pilgovy period. It is necessary to marvel at us, to increase the number of operations, most of the time only for unprepared payment for goods and services. Credit cards, on the other hand, have the sign “For the preparation of the money”, the first period is expanded to be used when withdrawing pennies from an ATM. Such propositions are for the Bank of Moscow, AK Bars Bank and Alfa Bank, so you choose to win the preparation as soon as possible in one of these organizations.
Get respect! Bezgotivkova payment of the first payment, the bank charges for the payment of the preparation of the bank charge a commission, on average, it costs 4-5% of the sum of the operation.
Vartist river service. If you don't plan to use your credit card often, you won't need a high credit limit and different benefits, get a credit card with no-cost services as soon as possible. Such propositions are for Citibank "Prosto Credit Card", SKB Bank (Zapaska card).
It is also important to reconsider at the presence of additional commissions. You can also have a commission for issuing and reissuing a card, for redeeming the bank in a simple way, for additional services (for example, SMS-information).
We select a card
Vahovuchi our recommendations, and for 10-15 minutes you can pick up a bill of credit cards that suit you. Speed up with a selection, so that you can say propositions, and then equalize those that you have lost for the additional function of equalization.
Propositions that have passed a strict selection process, fit you for the main parameters, now you can go to the online application. Today, banks give individual treatment for a skin care provider, the skin bank may have its own list, the more you confirm, they will be the best.
September 2019
The popularity of such a banking product, like a credit card, is rapidly growing with skin fate. Wash away their victories and service gradually improve through the highest competition among companies in the financial sector. Banks with method greater number customers, create more and more diverse and attractive credit products. In this article, you can learn about how banks present their customers with the most popular credit cards in 2019, as well as learn about their main features.
On scho varto put respect on the choice of cards?
The first step is to proceed without delay to the description of the shortest banking products, which should be ranked first with the most important criteria, the collection of them and in addition to the growth of selection for the shortest of the best and most important propositions.
When evaluating your credit card, it is necessary to check and match the following characteristics:
- Grace period (pіlgovy period). At the same time, at the borders of some kind of credit card credit card, you can pay for the credit card free of charge for a wash, which until the end of the sixth period will be charged for the full repayment of the debt. As a rule, a grace period is for unprepared operations. Prote deyaki banks present. The average duration of the bank-free period for most banking goods is about 60 days. However, on the market, it is possible to learn about propositions at once, and from a larger tribunal during the first half of the year - you can find out about them.
- Minimum payment. Є obov'yazkovim a sixty-sixth payment for nayavnosti borg for a credit card. The date is fixed by the vіksovanim vіdsotk vіd the size of the infamous borg rozrakhunkov date. The monthly payment for most Russian banks is 5% depending on the amount of the bill.
- Cashback. An option that determines the number of turns of the glassed-in baskets. In the skin financial organization earn your money for cashback. The great variety of different credit cards offer different kinds of credit cards to see such turns stalely in the sphere of payment (as a way to promote cashback for a loan with a credit card at gas stations and in restaurants, yakish for dressing up clothes and just like that). The minimum cashback is rewarded for any purchase (as such an option is transferred by card). For a list of shorter credit cards with cashback in 2019, you can check out the relevant material.
- Payment for the river service of the card. Buy cards as if with a fee for regular service, and without it. However, it is not varto to put this point as the basis, the shards of other minds on credits with cost-free services can be significantly higher, lower for paid ones. Here it is necessary to carry out a comprehensive assessment of all the main officials.
- Fee for the sightseeing of the preparation at ATMs. This item needs to be insured by those who plan not to pay with a credit card in stores on the Internet, but still know about her pennies. For such people, follow your choice on the propositions, and daily commissions for collecting money.
- Payment for additional services. Such services can include mobile banking, SMS-information, transfers to third-party financial organizations, replenishment of the card balance through the terminals of other banks and others.
Which bank has the best credit card?
Now you can go straight to the list of the most attractive credit cards available to the leading banks of the country. Below there will be submissions of TOP-6 financial organizations from the best minds behind credit cards. From this list, you can mark the most suitable and viable credit card, depending on your needs.
Rosbank - credit card for purchases "#You can ALL"
The main advantages of this credit card are a large credit limit and a cashback program. The maximum amount of credit fees can be 1 million rubles, and the length of the grace period is up to 62 days (expands like payment by card, and payment for preparation), which can achieve a good result. On credit, cashback is available from 1 to 10% (a maximum return of 10% can be taken for payment in the favorite category, but it can be mined once a month, and 1% - for all other purchases).
The fee for issuing a card is set to 0 rubles, the first river is no cost, and the amount of payment for advances is 890 rubles per bank (you won’t have to pay for plastic services, as the turnover for a credit card for the front bank will be higher for 180 thousand rubles). Obov'yazkovy schomisyachny payment is set at 5% of the value of the main bill. The minimum interest rate is 26.9% per river. The commission on the preparation of food will be 4.9%, but less than 290 rubles.
The service of SMS-information costs 60 rubles per month. On the website of the bank, you can apply for a credit card. At the її look, there were more than 5 quills.
Get a card
Russian Standard Bank - cashback on all purchases with a Platinum card
In the midst of a wide variety of credit cards, as a promotion of the bank, a card with the option of interest-free stitching up to 1 year "Platinum" is especially seen. On credit, cashback is possible up to 15% for purchases from partners, up to 5% - for three categories, and 1% for other purchases.
Standard credit limit - up to 300 thousand rubles. The interest-free period is 55 days (does not extend for the preparation fee). The interest rate, if you do not have to pay to the bank during the grace period, starts at 21.9% on purchases with a card, and for the type of preparation, the minimum rate becomes 29.9%.
Without intermediary cash withdrawal through the bank terminal with a fee of 3.9% + 390 rubles (for the first month you can withdraw money with a card without a fee, moreover, through third-party ATMs). The transfer between cards is subject to such a commission.
The cost of servicing the card becomes 590 rubles. For the service of informing about the operation via SMS, you will have to pay 59 rubles per month. The amount of the minimum monthly payment shall be 3% of the sumi borg.
Get a card
Tinkoff Bank - a free credit card for everyday purchases Tinkoff Platinum
This product is the most popular in the field of credit cards. It's far from simple, even if you think about your credits, you'll be even more comfortable.
The credit-free period is 55 days (there is also a 0% line for 365 days at the partners of the bank), and the upper limit of the credit sum is 300 thousand rubles. The rate here is 12% for purchases from the card (in case of stitching) and 30% for the operation of canceling the preparation. The minimum monthly payment is paid individually and varies between 6 and 8%.
The cashback program is available: 1% return on the sum of all purchases and up to 30% - for special offers (you can learn about them when you see a special office).
For the type of preparation through the bank terminal, the fee is 2.9% + 290 rubles. SMS notifications about the operation will cost 59 rubles per month.
Another factor, which underscores the high popularity of this credit product - you can issue a card for 18 years without proof of income. It is possible to get a quote via the Internet - the application can be reviewed and delivered to the required address within 2-3 days. Warehouse maintenance service 590 rubles.
Get a card
Bank Skhidniy - visualized credit card "Prosto"
The main feature of the card is the free fixing of payments at different banks on the card, which becomes 30 or 50 rubles - this model is ideal for short-term loans. Grace period - up to 1,850 days.
Other characteristics of plastic:
- the limit of the credit sum is 70 or 120 thousand rubles;
- rate for the loan - 20% after 60 months;
- cashback program - up to 40% return on online purchases from partner stores;
- variety of SMS-information - 89 rubles per month;
- commission for canceling the preparation at an ATM per day;
- the pilgovy period is expanding whether or not operations.
To withdraw the card, you must submit an online application. The solution will be blamed on the delay of the next year, after which you can pick up a credit card from any handy person.
Get a card
Alfa-Bank - credit card "100 days without%"
This card is one of the most important for withdrawing money through ATMs. With it, you can charge up to 50,000 carbs per month without commission. It is noteworthy that the first period for using a card is not only for paying for goods and services, but for other sums of preparation, as it was taken through an ATM, which credit cards of larger banks cannot boast of.
The lifeless period, as you can see from the name of the card, can be 100 days. Loan fees start at 11.99%. The maximum amount of credit sums is 500 thousand rubles (for the standard version of the card). The minimum monthly payment is more than 5% of the main amount, but it can also be less than 300 rubles.
The cost of servicing a credit card to Alfa-Bank is 1190 rubles. For the services of SMS-information, the cost is 59 rubles per month, starting from 2 months of payment.
For the withdrawal of a particular product, you can fill in an online application for a credit card through the application form on the bank's website. You can take 2 credits and go back to the card until the nearest payment.
Get a card
One more card, without a credit period, I am expanding my business as in operations for paying for goods and services, and for withdrawing food through ATMs.
The main characteristics of a credit card are as follows:
- the length of the rainy period - 4 calendar months;
- maximum credit limit - 300 thousand rubles;
- rіchny percentage - vіd 28 to 31%;
- magnitude minimum payment- 3% for rozmir sumi borg;
- cashback - 1% for any purchase;
- commission for rent penny koshtіv- 4% (but not less than 500 rubles);
- varity of river service - 0 rubles (є wash);
- Variety of SMS notification services - 50 rubles per month.
You can get a card via the Internet on the official website of the bank UBRIR. Possibility of cost-free delivery.
Get a card
How to withdraw a credit card?
There are two main ways to speed up the bagged product:
- Inspection of banking authority. You can apply for a credit card at the bank when you have selected your name and submit an application to a specialist. Food about the vidachu vіdpovіdnoї cards rozglyaєєєє dosit quickly, and otrimannya credit cards on hand can already be on the day of the anniversary.
- Submission of an online application for the Internet resources of a financial organization. The client can cancel the application for a credit card without intermediary on the website of the bank to click. For whom it is necessary to know the required credit product, fill in the contact details and complete the application. I will look at the process more quickly (sound, troch more than a year). After the appointment of contact details from the client, the bank officer will contact you and confirm the result. You can take a credit card in your hands from a handy bank account, or when you promise to deliver it to your home (dead organizations provide such a service).
A credit card is a good tool for a financially literate person. If you want to meet the time limits of the summer period and repay the borg in your own time, you can earn credit fees absolutely without cost.
Recommend that a credit card of which bank should be issued to everyone without a blame, it will be incorrect. In the case of skin individual needs, depending on the needs, it is necessary to evaluate all products and choose the best.
The article describes the best credit cards of the average variety presented on the market. After reading the article, it will be necessary to choose the most important parameters, analyze the most important propositions and choose the optimal one.
Video on the topic
It’s even more important to choose the best credit card at that hour, if the propositions are so rich, and the likeness of that might be different for everyone. Therefore, we saw a few important moments, as it is necessary to secure when issuing a credit card, and also tell you about the transfer of banks from the best propositions.
How can I get a credit card? Іsnuє kіlka important moments, scho signify no less advantage in vikoristannya cards, but її її kіnceva varіst. Among them top-up payment. As you can see, most financial structures give their clients the opportunity to win terminals, so that they can escape great powers from the financial establishment.
When the account is replenished through the cash desk, commissions are set. Ale є th establish, scho znіmayut commission when refilling through the terminal. All of this is your addendum, for the very sake of it, for the sake of it, we clarify for you the advance, and I can help you pay off the debt.
Kіntseva varіst is also recognized by the size of the terminals. If there are fewer terminals in the financial structure, to which you have turned, then more often you need to bring in coins, vikoristovuyuchi someone else's thread. Tse cost an order of magnitude more expensive.
Third moment - unreduced surpluses. It is a popular practice to finish milking today - it’s more than enough, so a lot of scrip was left on the rahunka. As before, it was zastosovuvalosya all the way to platinum and gold cards, then today it’s zastosovno. I realized that it’s not visible to these clients, that they can be quick with all the sum, which is on the rahunka.
The position of the leaders in the market today is occupied by the number of installations. TOP-10 of them, to which the most common are:
- Oschadbank - part of the market 22%;
- Russian Standard - 15.00%;
- VTB24 - 7.20%;
- TCS Bank - 7.20%;
- Skhidny - 6.70%;
- Zv'yazkovy - 4.80%;
- Alfa-Bank - 4.60%;
- OTP Bank - 4.50%;
- HCF Bank - 2.90%;
- Rosbank - 2.30%.
Russian Standard Promotes its Visa Gold customers that it has a low interest rate, an average low interest rate of 21%. Minus the fact that it is not possible to formalize the skin, the fact that it is paid for to exterminate possible people.
Krim rehabilitated more established, also popular kіlka іnshih. For example, Home Credit offers a classic card with a standard payment period of 55 days, as well as an interest rate of 32% of the regular ones. Richly koristuvachіv vvazhayut the remaining parameter of the troch zavischim, but if it were to be sorted out, then it is necessary to take a vigilant proposition.
TKS promotes Tinkoff Platinum - one of the best options to the credit market. TKS - installation without permission, it is also possible to issue everything via the Internet. Amazing and easy to take away - for whom you need your passport, that is. tse option, how to get a credit card without additional documents. Whoever chooses the most variant through the command propositions.
Promzv'yazokbank operates an Angry Birds card. Such a proposition was granted for juveniles and older koristuvachs (up to 35 years old). When you win, you get bonuses, so you can always spend on Google Play or the App Store.
How important is it for you to take the right decision, to give respect to those that more structures are ready to propagate the most important ones, who are worthy of their paychecks or make deposits. Nayvigіdnіshim often becomes the same variant, with which you have been successfully practicing for a long time.
What are the interest rates?
Variants of the value of the interest rate, which are promoted by today's different financial regulations, can be done differently. On the її value, as a rule, we add:
- presence of deposits;
- card class;
- client's payment capability;
- the quality of the credit history of the koristuvach.
As practice shows, it increases the payment efficiency of the client to the bank, which is more positive than yoga credit history, then the interest rate will be lower.
The skin structure has the right to independently set the rates, spiraling on the furniture, described above. The current range varies from 20 to 35%. In the rest of the hour, special propositions are rarely heard, but if you get to know them, but they will be equal to 15% -17%.
When choosing a variant, as well as signing a contract, rely not on advertising data, but on reliable information about all the commissions, as a way to win a credit card for expensive pleasures.
Even if you use platinum or gold plastic, you pay less than $100. Thus, the Russian Standard offers standard plastic at a rate of 36%, while Gold-options at a rate of 28%, and TKS - at least 24.9%.
So varto guess and about the change in the wage rate. What does it mean: by stretching the rock out, you can change for victorious positions. As a rule, її rozmіazaniya іz іn the interest rate index position, which is established by the Central Bank.
The change option is assigned to your contract (for example, + 12%). In this case, for the Central Bank index of 17%, for example, your rate rises to 29%.
Richly koristuvachіv marvel at the fact that banks change their minds or tell them. Ale rich to the fact that most of them are right to be at the right price and within the framework of the contract, they can pay extra. About financial regulations If you need to tell your client about the goiter in 30-60 days in a letter form.
Obviously, the Vlasnik may not be suitable for such decisions. Then set up to ask your client to repay the entire amount of the loan in advance. As for the plastic, a large amount of money is left to the borg through those that payments were small but were made by protracting fates, and not tizhniv, for any vlasnik it becomes a problem. Ale, until what you need, we prepare a delay, even if the bank can also request a full repayment from the bank:
- Problems with payment at another install;
- untimely monthly/quarterly repayment.
All the same, we don't want you to complain only about the interest rate, if you want to know, it's better to take a credit card. Although the main factor in the visibility of plastic, wine is not the only one. You don’t have to forget about the quality of the service, even if the two factors are closely related to each other. Sound, what is the lower rate, then the higher the service level, what is the cost of the first clerk, then the lower is the other.
Ways to visualize a credit card
How can you see plastic? Іsnuє kіlka the best ways. The skin of them is fully developed, but the problem is that few people are rooted for them.
pershy. Prompt payments. If you don't make payments overnight, then the bank will fine you for late payments. Tse direct damage to the loan agreement. Penalties and fines will significantly reduce the amount of your billing.
Well, there are some fluctuations, if there is no need to pay off the sum. As soon as the available limit on the card is over, you can rent yoga to pay for your six-month borg. For the transfer to training, you will need to pay a commission, but in the case of a change, you will have to pay the accrued penalties and fines.
Other. Do not translate into cooking. If you have plastic, don't pay for cooking at the store. It's not only a hundred years past, but it's still not a viable option for those who have a credit card in the swarm.
Krіm tsgogo, varto designate that the skin of the bank is stimulating its clients, as well as to intermediate the selection of preparations. What rank? They will set up a large commission for the withdrawal of pennies from the rahunka through the terminal. In okremih vipadkah vіn syagaє 5%.
Tse, for my own sake, I’m less likely to get a big sum of squandering and a sum of extra money to get drunk. For the same reason, after completing the plastic surgery, analyze all your credit cards more often, so that you often win a card, and not banknotes to pay for services and goods.
Third. Pilgovy period. In rich vipadkah, so the titles of the pіlgovy period of redemption of debt. Tse mozhlivist not pay practically nothing for the same money, like you borrowed from the bank. If you didn’t go far enough to contribute the entire sum to the delusions of the first period, you can close, if you like, a part of the absurdity. The same height will be lower.
Fourth. Bonuses and discounts. It is important to know the bank, which does not reveal its options for additional savings. Most of the bonuses (reductions) for an hour to pay for the same services or goods. Іsnuє silver, gold and platinum rіven. MasterCard Standard, MasterCard Debit and Visa Classic holders have an affordable silver price. As a rule, the greater the cost of plastic surgery, the greater the reduction.
Who are the partners of such peers?
- Travel agencies;
- restaurants;
- a cafe;
- rozvazhalni mortgage;
- hotels;
- medical deposit.
Vlasniks of the Gold class are entitled to discounts from 5% to 25%. With the change of partners, the number of partners is greater, and the number of partners is lower. And so it is proposition that to give a discount of 100%, but it is rare.
Choose the variant of the card, which suits not only your abilities, but your abilities. Koristaytes koshta, do not overpay vіdsotki, she live like she wanted for a long time.
Report about the map
- Term up to 5 years;
- Loan up to 1,000,000 rubles;
- Vіdsotkova rate to become 11.99%.
| Credit to Tinkoff bank | Apply for a loan |
Report about the map
- For a passport, without dovіdok;
- Credit up to 15.000.000 rubles;
- Vіdsotkova rate to become 9.99%.
| Loan to Skhidny Bank | Apply for a loan |
Report about the map
- Term up to 20 years;
- Credit up to 15.000.000 rubles;
- Vіdsotkovu rate від 12%.
| Loan to Raiffeisenbank | Apply for a loan |
Report about the map
- Term up to 10 years;
- Credit up to 15.000.000 rubles;
- Vіdsotkovu rate від 13%.
| Loan to UBRIR Bank |