Depending on the purposes for which the borrower needs funds, consumer lending is divided into several types. The most popular are:
- express loans;
- for urgent needs;
- to rest;
- to education;
- on bail;
- credit cards.
We will talk about the latter in more detail.
What is a credit card?
Credit card is a plastica rectangle with the emblem of the bank and a magnetic stripe to which the customer’s credit account is linked. Worldwide, this banking product is a serious competitor to consumer loans. Such a card enables the use of bank funds to pay expenses up to a certain limit. Its size depends on the level of income and the quality of the credit history.
Credit card is very popular in RussiaTinkoff, which can only be issued on the Internet. If we talk about general statistics, over the past eight years, more than 130 million cards have been issued, most of which were credit cards. This is not the limit. Today, an average of three cards per inhabitant in the world.
The most popular in Russia paymentsystems are Visa and MasterCard. They allow you to pay for purchases, as well as withdraw cash from ATMs. As a rule, it is possible to issue a credit card "Tinkoff Platinum", electron, classic, gold and platina. Each type is different conditions, rates and limits.
Almost all banks allow you to do moreinitial credit line after some time - from 3 months to one year. If during this time you make regular payments by card, the bank will trust you even more and will provide a loan for a large amount.
What features does a Tinkoff credit card have?
You can issue a card on the Internet.In addition, any credit card has several advantages over cash. The money available on a credit card is not subject to declaration when going abroad. In a foreign country with a card in your pocket you don’t have to worry about currency exchange, because international payment systems can make payments in any currency. Banks independently make the conversion.
Credit card allows you to pay almost everythingshopping and services. All this makes it possible to make a Tinkoff credit card - to issue a hotel room, pay for a telephone, dinner at a restaurant, plane tickets, and so on. At the same time, cardholders have the opportunity to participate in bonus programs from partners of the bank. It can be shops, and airlines, and clubs, as well as many others. Very often draws of various gifts are held.
Having such a card, each client gets the opportunity to manage their accounts around the clock anywhere. You can also issue an additional card to the account so that a close person can access it.
The most important advantage of any credit cardis a grace period, that is, the time during which interest is not accrued. In this case, if you use the funds carefully and observe discipline, and also during the grace period you have time to return the entire debt, then you will not have to pay interest at all.
How and where to get a credit card?
Make a request for a credit card "Tinkoff"Absolutely everyone can, but before submitting this banking product, the bank checks the borrower. If you have an account, for example, a salary account, then the procedure will be carried out in a simplified manner.
In order to get a credit card withminimum limit, requires formal income. If it is not enough, then you can provide something as a deposit. All other requirements for cardholders are almost identical for all banks.
How can a credit card be issued?
There are several ways to designcredit cards. You can do this in a bank branch, via the Internet, obtained with the purchase or in addition to another banking product. Consider each method in more detail.
Receipt at the bank
In this case, you need to visit the officebank, fill out an application and provide the necessary documentation. But this does not allow to make Tinkoff Bank. Make a credit card of this bank can only be online. The bank reviews the application and makes its own decision. Such a process can last from one to seven days. With a positive decision, a loan officer will contact you and tell you when to come for the finished card.
What advantages does this method have?
- You can independently choose which bank to get the card and learn in detail about the conditions of lending.
- You have the opportunity to learn everything that interests you from a credit manager.
- The interest rate will be lower, and the limit is higher, unlike other methods.
The disadvantages include the fact that it will take several days to collect documents and visit a bank.
Card issuance in addition to another banking product
Если вы частый клиент в каком-либо банке, активно use his services, then maybe you will be offered a credit card. Another option is to send the card by mail. By the way, earlier, a credit card issued by Tinkoff Bank came. It was also possible to issue on the Internet, but also by mail the cards were also sent without filing an application.
Such a card can only be issued to a client with an excellent reputation, that is, with an ideal credit history.
The disadvantages of this method
The disadvantage is that noconditions put forward the bank can not. This is what characterizes a credit card issued by Tinkoff Bank. It can be issued only on the terms of the bank. In addition, a large credit limit can not count. But the client has the opportunity to significantly save his time, as the credit institution will have all your data, so you do not have to collect documents.
Receipt as part of a promotion or purchase
In the battle for each client, banks go to differenttricks. An example is the Tinkoff credit card, you can issue it for participation in any advertising campaign. For example, it can be offered as a gift for a purchase or just on the street. As a rule, such a card will be inactive, but it will have a small amount on the account. To activate, you need to contact the bank - call or register on the Internet, after which the card will be available. Of course, this is only if a positive decision is made to use the card.
This method is suitable for those who are just too lazy to receive a card, or those who can not decide to do it.
Getting a card via the Internet
As we said above, you can arrangecredit card "Tinkoff" via the Internet. First you need to go to the site and fill out an application. Then the manager will contact you, who will clarify all the information and inform you about the decision of the bank.
After approval, the card is delivered by mail or courier, it all depends on the city.
Credit card "Tinkoff": online. Reviews
Reviews on the Internet you can find a hugequantity and not all of them, of course, positive. No bank has only positive reviews about its work, because no one works without flaws. It is difficult to say whether it is a good bank or a bad one, since how many clients have exactly the same number of opinions, but on the whole the institution works well and the service is high. Some clients are not satisfied with the absence of offices, because there is no one to go to in case of unforeseen situations.
Some hidden terms of Tinkoff cards
1. Features of receipt. It differs from other banks in the speed of processing applications and a high percentage of approval. In addition, cards are sent by mail.
2. Small limits.As a rule, the limit provided at the very beginning depends on the data indicated in the questionnaire and does not exceed the size of the average salary. And in some cases it may not exceed four thousand at all. You can increase the limit no earlier than after 6 months.
3. Interest for withdrawal. The grace period is valid only for cashless payments. If the client takes cash, 3% + 390 rubles will be charged for withdrawal.
4. Real interest rate.No matter what tariff you have, the rate for transactions by bank transfer will be at least 25%, and for cash - 33%. If payments are made out of time, then 0.12% per day is charged, and 43.8% per year.
5. Minimum payment.As stated in the bank's tariffs, the minimum payment is 6% of the amount. This is a very small percentage, and it is not able to cover the main debt, since the interest of the bank is huge. As a result, if the client decides to close the card, then his last payment will be equal to the initial amount, if not more.
6. Fines. Overdue is charged 0.2% per day. In addition, you still need to pay a fine of 600 rubles.
7. ATMs. Some payments through ATMs are held simply as a cash payment, and even with a commission.
8. Debt insurance. As elsewhere, the bank provides insurance, therefore, 0.89% of the amount is paid to the insurer. Signing the contract, the service can be waived.
9. Service. The annual cost of the card is 590 rubles, and at the time of repayment of the loan, the fee is still charged and interest is calculated for late payment.
Conclusion
Оформлять кредитную карту в банке "Тинькофф" или No, it's up to you. For receiving fill the application on the website, receive approval, and all - can use. Most importantly, do not forget to repay the debt on time.
