Joint Stock Company "Tinkoff Bank" isa financial enterprise that specializes in remote maintenance. The first and only banking institution that operates without its own banking terminals and offices. The key directions of the organization when working with individuals are "Tinkoff Platinum", debit and credit cards.
Tinkoff Platinum credit card
A bank card with a credit limit of "Tinkoff Platinum" is a classic financial product with a grace period. It is convenient to apply it every day.
Credit card "Tinkoff Platinum" - conditions:
- The interest-free period is 55 days.
- The maximum limit in rubles is 300 thousand.
- Monthly payment - 8% of the amount spent, but not less than 600 rubles.
- Annual service of the main / additional credit card - 590 rubles each.
- Participation in the insurance program - 0,89% of the amount of debt.
- SMS-notification - 59 rubles every month.
Step-by-step instructions for obtaining a credit card
Do not know how to make "Tinkoff Platinum"? To receive you need to perform a few simple steps:
- On the official portal of the bank, fill out and send the application (it will require the provision of passport information).
- Wait for a decision that is made in a few minutes. An applicant can call from the bank if there are additional questions.
- With a positive decision, the card will be delivered by a bank employee to a convenient place and time. Delivery is carried out within one week.
The credit card is transferred to the client in an inactive state, that is, to pay for goods and services, and also to withdraw cash from it is impossible. In order to activate the account, you need:
- Call the hotline number or do it on the site.
- After activation, you need to save the PIN.
- Put a signature on the "plastic".
The card is now ready for use.
The Tinkoff Platinum Bonus Program
All credit card holders participate in theSpecial program and receive bonuses for purchases. The higher the check amount, the more points will be returned to the account. Accumulated points can compensate for purchases from categories: cafes / restaurants and tickets for railway transport.
Premium accruals "Bravo":
- With each payment by the card "Tinkoff Platinum" - the interest is returned to the account.
- From 3-30% on special offers, which can be configured in the personal account of the Internet bank.
Non-interest period
The preferential / interest-free period is a period,during which it is required to pay the amount of debt, so as not to overpay the interest for the use of borrowed funds. For the Tinkoff Platinum credit card this period is 55 days.
The interest-free period is not counted from the dayspending of funds from a card account, and from the moment of receipt of the next monthly statement. For example, if the client received it on May 11, the grace period will be valid until July 4 (55 days). The monthly period from May 11 to June 11 is provided for spending of funds from the credit account, from June 11 to July 3 - to pay off the debt.
Credit card with a limit of 120 days "Tinkoff Platinum": conditions
This is the same bank card with a creditLimit, but with an increased interest-free period. Only a newcomer can register it, that is, a client who does not yet have a credit card with Tinkoff Bank. You can get a card in the same way:
- On the "Tinkoff Platinum" card, an online application is registered on the official website.
- After approval, the employee of the bank brings the card to the applicant.
- To activate the account, you must call the hotline.
- If you need to transfer funds to a card of another bank, then inform the operator about the desire to activate the service - balance transfer.
- Tell the manager the card number to which you want to transfer funds.
After the transaction is completed, the owners of the Tinkoff Platinum card have 120 days to deposit funds into the debt repayment account when interest will not be accrued.
Free Tinkoff Platinum services
Gratuitous services provided by the bank:
- Depositing money on the card through the partners of the bank (for closing the debt).
- Internet banking.
- Mobile banking.
- Information about the conducted operations.
- SMS notification of account replenishment, a reminder of the next payment and so on.
- Monthly account statement (by email or letter).
Penalties and fees
On the map of "Tinkoff Platinum" the conditions for use are as follows:
1. Penalty for non-payment of the minimum payment in rubles:
- The first month is 590.
- The second month in a row - 590 + 1% of the debt.
- Further - 590 + 2% of the amount of debt.
2. Penalty for untimely payment of the minimum payment - 19% per annum.
3. Commission for cashing of funds - 290 + 2.9%.
4. Payment for the expenditure of funds above the established credit limit is 390.
Interest
The interest rate on a Tinkoff Platinum credit card varies and depends on the operation of the credit card:
1. Payment for purchases:
- 0% for the duration of the grace period;
- From 19.9 to 29.9% per annum after the grace period, subject to the timely payment of the minimum payment.
- From 32.9-49.9 per annum after an interest-free period and non-payment of the minimum payment.
2. Cash withdrawal on Tinkoff Platinum card - 32.9–49.9% per annum.
3. Commission for other actions - 32.9-49.9% per annum.
How to add funds to the card
The direction of the bank "Tinkoff" is a remotework with clients. Besides the fact that the organization does not have its own offices, they also do not have ATMs. But this is not a problem for closing credit card debt, since the organization has a whole network of partners, including 350 thousand payment points with the possibility of depositing money.
The easiest option to replenish the card "TinkoffPlatinum ”(by reviews) - a debit card of this or any other bank. In addition, it is possible to replenish the account by bank transfer or by depositing cash through the payment terminals. All these methods do not involve paying a bank commission, but in some cases you will need to pay a partner, therefore, in order to save money, you should study the conditions before the operation.
In addition, do not forget about the timing of enrollment.of money. Transfer from one card to another or depositing funds through a terminal is usually done in a few minutes, but a bank transfer can take several days. This circumstance should be taken into account in order to avoid late payment.
Financial card transactions
The procedure for transferring funds to a bank card with a Tinkoff Platinum credit limit can be performed in various ways:
- Bank transaction.Before sending money in this way, you need to make sure that the chosen financial institution does not charge a commission for the operation and is indeed a partner of Tinkoff Bank. There are companies that charge fees, but do it symbolically. For example, Avangard Bank charges 10 rubles for a bank transfer, regardless of the amount.
- Transfer from the card of another bank.The Tinkoff Bank itself does not charge a fee for such a procedure, but the second party may charge for the service. This point should be clarified before sending money. When sending funds from a Tinkoff debit card to a credit transaction, it is executed instantly and without any fees. Internet banking has a separate module for making transfers.
- Transfer through partner banks.The full list of partners is published on the official website of the organization, in the Internet bank, as well as in the mobile application. Transfer fees are often not charged, but there are exceptions. For the operation, you must provide a credit agreement number, sometimes you need a passport.
In addition, from a bank card with a creditWith the Tinkoff Platinum limit you can transfer funds to any other, but you will need to pay a commission, which amounts to 2.9% of the transfer amount plus 290 rubles for the transaction. Since the interest-free period applies solely to the payment of purchases, interest on the use of credit funds will be charged.
How to know the balance
Information on the credit balance in the account can be obtained in various ways:
- Through Internet banking. This is the fastest and easiest way. The data is updated in real time, so any errors are excluded.
- By customer support number 880055510101.It is convenient to use this method when there is no internet at hand. The operator will ask a few questions for identification, and then tell in detail about the status of your account.
- By sending an SMS message to number 2273 (MTS, Megafon and Beeline). After sending a message with the text "Balance" and the extreme four digits of the bank card number, information will be received on the account.
- Through the mobile phone application. As fast and convenient as Internet banking, internet is required.
Credit Card Reissue
One month before the expiration of the bankingBank cards are automatically issued new. It is also brought to the client by a bank employee by prior arrangement. Re-issue is not performed in two cases:
- When the customer has overdue credit account debts.
- If the owner has not used the card for a long time and has not taken any action on it.
If it has been lost or stolen, then againit is possible to open the Tinkoff Platinum card ahead of schedule. To do this, call toll free 88005551010 and report the reason for reissue. After receiving the application, the client will receive a new one as soon as possible.
How to close the card
Closing a Tinkoff Platinum credit card requires several steps:
- Pay off the debt to the bank and payall commissions. You need to call the bank customer support service. After passing the identification, the dispatcher will tell you the exact amount to be paid for the current month. It is imperative that you ask the bank employee to turn off the SMS banking service, because monthly subscription fees are charged for it every month. Check with the operator if this amount is complete, and if interest will not be charged on it next month. After closing all debts for reliability, a credit card should be blocked if you do not intend to use it in the future. In case of overpayment to the bank, this amount can be requested to return to the specified details. In addition, you can find out the amount of debt in the Internet bank.
- For thirty days, send an application to the bank with a request to close the card account. If necessary, you can withdraw the application within the same period.
- В договоре прописано, что карта является property of the bank and must be returned to the owner. In practice, they rarely need to return the card, because after closing it turns into an ordinary piece of plastic, but just in case you can keep it for several months in case you need to return it.
- After 30 days you need to call back to the clientTinkoff support service to make sure that the account is closed and to request a certificate, which must bear a blue print. The banking institution cannot refuse you, they must send it by mail to their home address.
How to know and increase the credit limit
The credit limit of the card is the maximum amountwhich the customer can spend. It is installed individually and can reach 300 thousand rubles. You can find out the amount that is available to you, as well as other Tinkoff Platinum terms and rates, in Internet banking or in a letter attached to a credit card.
The credit limit of these cards is renewable. With timely payments you can always pay her in stores.
Many credit card holders havequestion: how to increase the limit on the Tinkoff Platinum card? It is impossible to do this at the request of the owner, only the bank takes this decision. In order to contribute to the increase in the amount, it is required to use the card as often as possible and to make payments made by the bank on time, Tinkoff encourages and trusts good borrowers.
Advantages and disadvantages of the Tinkoff Platinum card
A bank card with a credit limit from Tinkoff Bank has a number of positive aspects:
- Ease of design.
- Free shipping.
- No income statement is required.
- Long interest-free period for repayment of debts on the Tinkoff Platinum card up to 120 days.
But besides the advantages, this bank product has its own drawbacks:
- For new customers, the percentage of content is quite high.
- The initial credit limit of the card is low, and many who make it out hope to receive the promised 300 thousand rubles.
- It is unprofitable to withdraw cash, since the commission is very high.
Should I open a bank Tinkoff credit card
To issue a Tinkoff Platinum credit card according to customer reviews is beneficial in several cases:
- You can easily do without cash.
- It is more convenient for you to pay for purchases with a card, and not in cash.
- Your income is stable enough to make payments on time and not pay interest.
Answer the question whether to issue a credit card, can not be unequivocal. Everyone must decide for himself.
