In modern living conditions it often happens thatthat the needs and desires of a person are not entirely consistent with their financial capabilities. What to do? Restore the missing funds from friends? Or postpone the purchase until better times? Very help us out at such moments credit cards.
What is a credit plastic card?
This is a modern financial instrument.representing a plastic bank card with a certain amount accrued on it. The bank provides a limit within which the cardholder can pay for their purchases and services received. The size of the limit is determined individually and depends, as a rule, on the income of the recipient of the card and its credit history.
Modern credit cards, such as, for example,credit card "Tinkoff", are characterized by ease of design and ease of use. This tool eliminates the possibility of borrowing money from friends and relatives or applying for a loan at a bank. But it should be understood that the funds on the credit card - borrowed, and they are subject to mandatory return.
About Tinkoff Credit Systems Bank
The history of Tinkoff Credit Systems Bank (hereinafterTks) begins in 1994. Then the credit institution bore the name "Himmashbank." The bank was renamed in 2006 when it was acquired by the famous entrepreneur Oleg Tinkov.
Bank TKS - the first bank in Russia,completely abandoned offices (except for the central office in Moscow). All operations are performed remotely: by phone or on the Internet.
Round-the-clock support service operators will respondquestions regarding banking operations, will talk about the services of the bank and advise on any other emerging issues. For example, at any time of the day, you can learn how to open or close a Tinkoff credit card.
Most popular cards of Tinkoff Credit Systems Bank
TKS Bank issues the following types of credit cards:
- Tinkoff Platinum - one of the most popular bank cards,providing the holder with a credit limit of up to 300,000 rubles. When making purchases and returning funds on time, the card user does not pay interest (the interest-free period of use is up to 55 days). Detailed information on how to get or how to close the Tinkoff card, you will learn further in our article.
- ALL Airlines - map intended mainly forlovers of overseas holidays and travel. The credit limit on this card is up to 700,000 rubles. If you often have to use the services of airlines, this is the credit card for you. Making purchases of air tickets and any other purchases around the world, the user accumulates bonus miles that can be spent on other purchases. Next we will talk about how to open and how to close the Tinkoff card.
Other types of credit cards Bank TKS
- One Two Trip - discount cardflight tickets. With each purchase on the card, the user receives bonuses (1% of its value). Bonuses can be spent at any time at will. In addition, the One Two Trip cardholder is provided with free travel insurance.
- "Classmates" - a card designed for users of one ofpopular social networks. If you are an active Odnoklassniki user, this card is for you! It is distinguished by its individual design. For you may be issued a card with a personal photo. In addition, when paying for purchases with a card, you earn OKi, which you can spend on your favorite social network. The credit limit is 300,000 rubles.
Getting a credit card
There are two ways to get a card holder from TCS Bank:
- Fill out an online application form on the official websitebank. Usually this process takes no more than 5 minutes. Site navigation is simple and convenient. By filling out the form, you can close the site. Card "Tinkoff" after approval of the loan you requested will be delivered to your home for free and at any convenient time.
- If you found an offer in your mailboxfrom TCS for a credit card, you can also get it by following the instructions. You need to sign the documents sent in the letter and, having enclosed a photocopy of the passport, send it back to the bank. The credit card will be delivered to your address.
After receiving the card you need to activate it. To do this, just call the call center and, following the instructions of the voice service, get a PIN code. Now you can use the card.
Can I close the Tinkoff credit card?
Opening a TCS card is a simple process.It is enough to fill out an application on the site and wait for confirmation. What about closing? Perhaps the card you no longer needed and you decided to refuse it. How to do everything right and not to remain in the debtors of the bank?
Information on closing credit cards likethe rule is always less. Most often, the holder just needs to come to the bank branch and contact the consultant. But what if the bank works remotely? After all, Tinkoff Credit Systems has no representative offices in Russian cities.
It turns out that it is impossible to close the card?Not at all! Remember how you opened it. Remotely. Consequently, the Tinkoff card can be closed in the same way, i.e. online. This procedure is simple and accessible to everyone.
Online closing of the TKS card
If the credit card is no longer needed,do not rush to throw it in the far box. It is very important to close the card first. Otherwise, even without using it, you can accumulate debts to the bank. It is not only about the annual fee for card service. Additional services may be connected to your account. For example, SMS informing or insurance.
How to close the Tinkoff card via the Internet?It is not difficult. First you need to make sure that you have no debt to the bank. To do this, simply call the call center or check your account using Internet banking.
If there are no outstanding loans, you canany time close the card. Call the operator and report your intention. Be prepared for the call center employee to ask you to tell them your passport details and the card code word.
But you can do differently.In this age of information technology, use the system of Internet banking. Block the card in your account, then call the call center and ask to terminate the contract.
Card closing features
You have decided to close the credit account and you already knowas. You can close the Tinkoff card (apply for closure) at any time. But it should be understood that it will not be blocked instantly on the same day. You will need to wait for a certain period in which your application for account closure will be reviewed, and the absence of debt will be checked. It is also necessary to pay the remaining debt that could appear during the period of consideration of the application for closure.
Having received confirmation of account closure from the operator, check the status in your personal account. You can recycle the Tinkoff credit card yourself.
It should be noted that the remote serviceclosings, despite their convenience, are rather rare among Russian banks. Tinkoff Credit Systems Bank is one of the few financial institutions that provides it.
