MTS credit card - reviews. MTS-Bank credit cards: how to get, terms of registration, interest

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

MTS-Bank is not far behind its "brothers" and is trying to select new banking products that are aimed at simplifying the lives of customers. And the MTS credit card is one of them. Since today the citizens of our country are using such cards more and more, they have realized the advantage of owning them. Often, cards allow not only to pay for goods and services in a non-cash form, but also to accumulate bonuses for purchases made, which in the future can be spent on purchasing various types of goods at a good discount.

Below we will take a closer look at the banking product from MTS Bank - credit cards, the conditions for them, as well as all the benefits of using them.

Convenient Services

We will indicate the main positive points that distinguish the MTS credit card.

• With the active use of a credit card, you can achieve a reduction in the interest rate on it by three percent.
• It is possible to connect a service where you can return up to 1% of the purchase amount to the card.
• When you connect the income accrual function, you can earn up to 10% per annum using a cardfrom the amount of funds on it.

Card Benefits

1. An MTS credit card is issued easily and quickly enough. Bank employees consider the application for no more than an hour.

2. There is a Mobile Bank service that allows you to manage accounts and pay for services on the MTS-Bank website right from home.

3. An application for an MTS credit card can also be completed online, it is not necessary to go to a bank branch.

4. Simple, and most importantly, free replenishment of the card account.

Types of credit cards

1. Typical map. It allows you to get borrowed funds in the amount of not more than fifty thousand rubles at 26.9% per annum. Holders of a "gold" or "platinum" card can count on 600 thousand rubles at 25.9 percent per annum. There is a grace period - 51 days. Debt repayment occurs monthly in an amount equal to 10% of the debt amount, for "platinum" and "gold" - 5%. There is a fee for cash withdrawals of 4 percent and for transfers to other accounts - 3%.

2. For corporate clients. For them, the bank offers special facilitated conditions: the annual rate is reduced by three points, and commissions - by one percent. In addition, corporate clients are allowed to receive an amount of up to one hundred thousand with the provision of one document - a passport. If the required amount is 300 thousand rubles, then in this case you will need to attach a certificate of income to the passport, and for 600 thousand rubles additionallyneed a copy of the work book.

3. For payroll card holders. For these categories of clients, the bank also offers preferential terms: the annual rate for them is 17-18 percent, the list of documents includes only a passport. The only point is that the client must have work experience in the last place for more than three months and, accordingly, he must receive a salary on the card from MTS Bank for at least 3 months.

4. For investors. The bank is also more loyal to customers who have an open deposit: there is no fee for issuing and annual maintenance of the card for them, they can get a “gold” card absolutely free of charge, and the interest rate is favorable for them - only 18% per annum.

5. "MTS-Money". This MTS credit card is easy to process. It can be obtained at the MTS communication salon by providing only a passport. The conditions for it are as follows: the limit is 40 thousand rubles, the annual rate is 23, 35 or 47 percent, depending on the results of the client's analysis. It will be nice that when she pays for goods and services, bonuses will be awarded that can be spent on free calls, SMS messages and other services from the MTS operator.

Apply for a credit card

Let's consider how to get an MTS credit card. It is known that in order to obtain any banking product, it is necessary to satisfy the requirements of credit organizations. Bank specialists explain in detail how to apply for an MTS credit card and choose the type that will be most beneficial for you.

Requirements forborrower

1. The bank sets the age limit - 18-60 years old.
2. Mandatory presence of registration in the Russian Federation;
3. Having two contact phone numbers, including one of them must be a landline.

It is possible to issue an MTS credit card even in the absence of official employment. The application can also be accepted from a student, employed, pensioners, as long as they have a regular income.

What documents do I need to submit to the bank?

The list of documents required for obtaining a credit card can be called typical, you will need to provide:

• Passport.
• Additional document to choose from - driver's license, certificate of TIN or Pension Fund.
• Income certificate.

It is possible to issue an MTS-money credit card only with a passport, but in this case the conditions for it will be unfavorable for the borrower.

Documents can be submitted to the bank as follows:

1. Visit the branch in person.
2. Call the bank and apply remotely.
3. Filling out an application on the site is the easiest way to apply for a credit card. To do this, only the client fills out a questionnaire, then, after reviewing it, you will receive an SMS - a message with the decision of the bank. With a positive decision, a bank specialist will contact you and agree on a place and time convenient for you to transfer the card.

How to top up an MTS card

The management of the bank is interested in the timely repayment of loansloans, so it took care of its customers and offers several ways to replenish the card. The main ones are listed below.

1. Through your personal account. The client can replenish the card completely free of charge at any time of the day from any account opened with MTS-Bank, or from a card of another bank.
2. Through payment terminals. When using this method, the client needs to pay a commission in the amount of 1-1.5% of the replenished amount.
3. In Euroset, Svyaznoy and Eldorado stores. In this case, a commission of 1% of the replenished amount will be charged.
4. In the MTS mobile phone shop.

How to close an MTS card

Close the card in the city where there is a bank office, you can easily. To do this, you need to contact the nearest branch with an application for closure. But before that, you need to make sure that there are no debts on the card. If everything is in order, then we are waiting for the decision of the bank.

But if there is no MTS-Bank office in your city, and there is no time and opportunity to get to the nearest settlement where it is? There is also nothing complicated here. On the MTS-Bank website, you can fill out an application for closing a card. Print it out, sign it and send it by Russian Post to the head office address (115035, Moscow, Sadovnicheskaya st., 75). To avoid loss, we recommend sending by registered mail. Before sending, it is necessary to clarify the exact amount of the debt through the bank's hotline and pay it off. Oncethe application will be received by the bank and executed, you will receive an SMS notification that the card is closed.

Reviews about the map

There are many customers who have issued MTS-Bank credit cards. Reviews from their side are different. There are those who noted the speed of issuing a card, since a decision on issuance is made in almost 15 minutes. Someone liked the fact that it is very convenient to use - you can pay for goods and services by bank transfer, there is a grace period for using borrowed funds, you can easily replenish it, manage accounts.

But there are also dissatisfied customers who have issued MTS-Bank credit cards. Their reviews are negative, mainly due to poor service. Sometimes it is simply impossible to get through to the hotline. This is due to its congestion due to the large number of customers who want to know the amount of debt. The bank's management did not think through these moments, and, unfortunately, they strongly repel potential customers. In addition, negative reviews are also related to the fees for withdrawals and transfers of funds - they are simply extortionate! If a person is going to withdraw only 100 rubles, then he will still need to pay a commission in the amount of 450 rubles.

After reading the reviews of experienced users of the MTS card, everyone will draw their own conclusions, but do not be too categorical. Everyone has their own opinion. We recommend that you analyze all the pros and cons of the card yourself and decide whether to use it or not.

If you still decide on a credit card from MTS, we strongly recommendcarefully study all the proposed conditions and tariffs, read the contract carefully. If you want to close the card, then make sure that the whole procedure goes correctly and to the end. So that one day it will not be discovered that you have a debt to MTS-Bank. It will not be superfluous if you ask the bank for a certificate stating that the card is closed and the institution has no claims against you.