The most profitable credit card with a grace period. Overview of credit cards with a grace period

With the advent of the economic crisis, banks beganintroduce new financial products to attract more customers. Especially relevant are plastic cards. But the standard line of credit is no surprise. Not everyone wants to overpay interest for using bank money. The most profitable credit card with a grace period is what a modern client needs. The most convenient conditions for individuals will be described below.

What is a grace period?

Credit cards today offer to issuemany financial institutions are completely free. At the same time, some provide an opportunity to use bank finances on a preferential basis. That is, for a certain period of time, you can take money from the card and at the same time do not overpay anything. The standard is a grace period of 30-60 days. However, some banks go further and offer their customers to use the funds without overpayment for 180-200 days.

Is it advantageous to have a card with a grace period?Such a financial product is really easy to use. But it can be called profitable only in some cases. The fact is that the majority of clients, tempted for a grace period, continue to use the loan after the end of the “interest-free” period. At the same time, one has to pay a rather large commission for using a credit line.

Should I get a credit card? The decision can only be made by the client. A preliminary is to examine the review of credit cards with a grace period.

Sberbank of Russia

The financial institution enjoys the greatesttrust from the citizens. Offered by the bank and a credit card with a grace period. Cash withdrawal is carried out without interest at any ATM. Despite the fact that the grace period is offered not too long (only 45 days) there are always a lot of people willing to arrange a financial product. This is evidenced by numerous reviews. It attracts primarily the amount of the credit limit. Depending on income, customers can receive up to 600 thousand rubles per card.

At the end of the grace period for useBank customers will have to pay a commission of 25.9% per annum with credit money. The overpayment is calculated based on the amount of funds withdrawn from the card on the last business day of the month.

"Avangard"

Этот банк является наиболее привлекательным, если consider a grace period. Everyone has the opportunity to issue an account and get a card from one of the international payment systems. In this case, a long time, you can use the finances of the bank on loyal terms. Credit cards with a grace period of 200 days are a unique opportunity to make any purchases without waiting for a salary. You can spend money in stores, travel agencies, entertainment complexes, etc. It is not necessary to return the entire amount withdrawn to the card within a month. The minimum payment will be 10% of the amount owed.

How do I have to return the money aftergrace period. Minimum payment does not change. It will be at the level of the same 10%. However, an additional fee will have to be paid. Bank Avangard offers to issue a credit card at a rate of 24% per annum.

VTB Bank

Several options for plastic cards offersarrange VTB Bank. The difference will be in the credit line provided (from 300 to 900 thousand rubles). A credit card can really be beneficial. A grace period of 50 days makes it possible to make purchases at the expense of a financial institution and at the same time do not overpay anything. Upon completion of the settlement period, the rate for new bank customers will be 28%. Those who have long cooperated with a financial institution are offered more loyal conditions. At the end of the grace period will have to pay 22% per annum.

From VTB Bank, a credit card isreally comfortable. Each client can attach up to 5 cards to his account absolutely free of charge, which is very convenient for family use. In addition, the financial institution has convenient online banking. To track the movement of the account is not necessary to contact the bank. All you need to do is go to your own online account.

"Alfa Bank"

This financial institution also offersquite profitable credit card. Grace period - 100 days. Conditions after its completion: the rate - 18.99% per annum. Any client can get a credit line up to 300 thousand rubles and spend finances for any purpose. The amount that will appear on the card initially, depends on the income of the client.

Plus the fact that the Alfa Bank card canfree of charge to replenish in any financial institutions. Also, you can withdraw credit at any ATM. Unlike the product offered by VTB Bank, Alfa Bank's credit card is also a debit card. That is, the client can not only take the financial institution funds, but also put their own in the account. This will accrue interest on the positive balance.

Хорошие отзывы можно услышать также и приложении Alpha Mobile. This is a program for smartphones and tablets through which you can track the movement of an account, transfer money from a card, replenish a cellular account, etc.

Promsvyazbank

Credit card with a grace period of 145 days -It is profitable and convenient. This is exactly the product that Promsvyazbank offers. Its name is “Supercard”. For four months, you can use the credit line absolutely free. Then you have to pay the amount of debt at a fairly high rate - 34.5% per annum. At the same time, the bank offers a fairly large credit line. Depending on the official income, each client can receive up to 600 thousand to the credit account.

«Суперкарта» от «Промсвязьбанка» помогает save. Customers who have issued a product automatically become participants in the bonus program and can make purchases at a reduced price in stores that are partners of a financial institution. Using the card will be really beneficial if you return the funds to the account during the grace period. However, 145 days after the withdrawal of funds is profitable, unfortunately, the rate cannot be named.

At the request of the client, an additional card to the account can be issued absolutely free of charge for the use of loved ones.

Rosbank

Открыть кредитную линию предлагает также это financial institution. Any adult citizen of Russia who has a permanent job can become a client. This product cannot be called the most profitable credit card with a grace period. However, Rosbank offers the largest credit line. Each client has the opportunity to receive up to 1 million rubles to his account. At the same time, it will be possible to use the money absolutely free for 62 days. In the future, the rate under the contract will be 23% per annum.

Card issued refers to the internationalsystem "Visa". Therefore, it is possible to withdraw money from ATMs around the world, pay for goods purchased on foreign websites. Rosbank also offers 24-hour customer support. If the card has been lost or stolen, it will be possible to block it in a matter of minutes by calling the hotline number.

Uralsib Bank

The financial institution does not offer the mostfavorable credit card with a grace period, but the conditions will also please many. The limit can reach 500 thousand rubles. On loyal terms, credit funds can be used for 60 days. At the end of this period, the client will have to pay a commission of 24% per annum. The interest is charged on the balance of funds withdrawn from the card on the settlement date (the last working day of the month).

The bank issues Mastercard cards,which are equipped with a chip. This means that credit funds always remain under reliable protection. There is a guarantee that the money will not be stolen by fraudsters. If necessary, the account can be blocked at any time.

Yar Bank

A credit line also offers"Yar Bank". Its service is free. How to use the credit card grace period? On loyal conditions, you can withdraw and deposit funds back within 55 days. Then the loan rate will be 25.5% per annum. The advantage is that the credit line can also be opened to those customers who do not confirm the official income. That is, private entrepreneurs and freelancers can use the services of the bank.

Subject to proof of income may becredit card "Platinum", the rate at which at the end of the grace period will be 24% per annum. To conclude an agreement, the client must provide a passport of the citizen of the Russian Federation, as well as an identification code.

Tinkoff

Financial institution offers manyprofitable products for individuals. A credit card can also be issued. Grace period, cash withdrawals at any ATM, convenient online banking - all this attracts customers. The duration of the grace period is 55 days. In the future, the client will have to pay for bank services at a rate of 23.99% per annum. Plus you can call a fairly large credit line - up to 700 thousand rubles.

A credit card from Tinkoff Bank is stilland debit. Those who plan to keep their own savings on the account, you can count on the income of 7% per annum. All account movements can be tracked in real time thanks to a handy app for tablets and smartphones. A credit card can be used for online payments, for purchases in domestic as well as foreign stores. Data is protected by a reliable security system.

"Renaissance Credit"

Use the services of the bank and arrangea credit line can every adult citizen of Russia who has a permanent job. Not the most profitable credit card with a grace period, but quite popular. The financial institution is trusted by citizens. Many seek to draw up a loan agreement here. At the initial stage, the client may be offered a credit line up to 200 thousand rubles. At the same time, the grace period will be 55 days, as in the previous case. In the future, for the use of credit funds will have to pay 24% per annum.

The minimum payment under the contract, as in many other banks, will be 10% of the outstanding amount. The client will have to make payment every month until the 25th.

Should I get a credit card with a grace period? Such a financial product is really profitable if you use it wisely.