Apply for a credit card online with an instant solution

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

Today, Russians are increasingly resorting to bank cards to pay for services at terminals or via the Internet. This tool allows you to quickly pay off debt without leaving your home. To further increase the demand for this service, banks offer to apply for a credit card online and receive additional bonuses for this.

Design scheme

To get a credit card, you need to fill out an application on the bank's website, indicating your full name and contact details. The decision to issue a loan is made within 24 hours. The card is delivered by a courier. To get it, you need to take a picture with the original passport in hand. The courier sends this picture to the bank. Immediately after activation, an SMS with a PIN code and password is sent to the specified phone number. This is how you apply for a credit card online.

Terms of Use

Applying for a credit card online has many benefits:

• Applications are processed subject to availabilitypassports only.
• The courier brings the credit card at a convenient time.
• The cardholder gets access to borrowed funds. If he repays the debt in 55-60 days, he can use the money for free.
• After the specified period, 12-24% per annum are accrued. The monthly payment is 5-7% of the principal amount.
• The cardholder automatically becomes a member of the cashback program. For purchases in certain stores, 3-5% of the cost is returned to the card account.

Limit

The maximum amount of borrowed funds is set individually for each client and depends on a number of factors. Usually, after consideration of the application, 50-80 thousand rubles are issued. If the borrower is officially employed and has a good credit history, then he can immediately ask for 250-300 thousand rubles. Separately, a limit can be set for transactions carried out abroad. To quickly pay for your purchases in any country, you should immediately order a personalized card with a chip, as plastics of a different format are not accepted in all countries of the world.

What else should I look out for?

Before you start applying for a credit card online at Tinkoff-Bank or at any other institution, it is important to understand how much money you will have to pay for its issuance and use. Bank employees warn about a one-time commission immediately. Immediately after activation, 500-700 rubles are debited from the account. Additionally, annual one-time payments in the amount of 200-350 rubles can be provided.

How muchreally have to pay?

Applying a credit card online without references entails a lot of risks for a banking institution. All of them are pledged at an increased interest rate (12-24% per annum). If the borrower does not have time to repay the debt on time, then the monthly payment includes 5-7% of the loan body and a commission for using the funds. In addition, the interest rate can be increased during the term of the contract. And the bank does not always inform the client about this. Therefore, the borrower should periodically monitor the information on the official website of the bank.

Example. An operation was carried out on the card in the amount of 5 thousand rubles. September 10, 2018. The borrower returned 2 thousand rubles to the account. October 1 and another 3 thousand rubles. October 30. However, the balance on the card on November 1 amounted to -360 rubles. Why is this happening?

Grace period in most cases is calculated not from the moment of making a purchase, but from the first day of the month. So it turns out that 50 days ended on October 21st. For this period, the amount of debt amounted to 5 - 2=3 thousand rubles. Since the debt was not repaid on time, the bank wrote off: 3,000 x 0.12=360 rubles. on account of interest. And subsequent receipts did not cover the entire amount of the debt.

Why do you need cashback?

You should only consider loy alty programs and cashbacks as additional bonuses if you really often make purchases in partner stores. Otherwise, what's the point of 10% cashback in a jewelry store if you don't usejewelry? The second pitfall is the amount of funds returned. So, according to the Claudel Models credit card, an online application for which promises a lot of advantages, bonuses are returned after accumulating 1000 rubles on the account. and applying for cashback payment. Calculate how many purchases you need to make to accumulate this amount.

Credit history

Before making a decision on issuing a loan, the bank analyzes the client's credit history. This is a database that contains information about all loans that a person has used throughout his life, with a detailed breakdown: when, under what conditions, in what amount the loan was taken, the timeliness of payment of payments. A 1-2 day delay in paying a monthly payment on a card can significantly worsen a client's credit history. These are the worst consequences that an illiterate use of a payment instrument can entail.

Withdrawals

Although applying for a credit card online at Sberbank or any other credit institution is very fast, it should be understood that such a payment instrument is intended exclusively for cashless payments. Withdrawals are subject to an inflated rate (fixed amount + percentage of withdrawal) and a grace period of 30 days. But banks welcome the desire of customers to store their own funds on plastic.

How to apply for a credit card in Sberbank-Online?

To apply, you need to click on the official website of the financial institution on the "Cards" page"Card Transactions" and select "Application for a credit card".

The system will offer several service packages to choose from. Just click on any of them and enter your contact details in a special form:

card name;

F. I. O.;

city name;

passport details;

phone

After that, the application is sent for consideration to specialists. The decision is made on the day the application is received. What the client will be informed about by phone. To receive plastic, the applicant must personally visit the bank branch at the place of registration and provide a passport.

Top 5 best cards in Russia

So maybe it's better to take loans? Making credit cards online makes it possible to pay for services, make purchases anywhere in the world. If funds are needed to purchase some goods, then it is better to actually apply for a targeted loan at a lower percentage.

How to choose the best card? Analyzing the conditions of banks, you need to pay attention to the limit, interest rate, grace period. In 2018, Russians actively used cards from Tinkoff-Bank, Platinum from Russian Standard and 100 days without% from Alfa-Bank. Let's take a closer look at the features of each of them.

It takes only a couple of minutes to apply for a Tinkoff credit card online. The courier will bring the plastic to the client within 2-3 days after the confirmation of the application. Holderplastic within the framework of the Bravo bonus program can receive up to 30% cashback for purchases on special offers in online stores, a network of cafes, restaurants, through air ticket booking services and much more. The main advantage of the card is the ability to "Transfer credit balance" from one bank to another and pay the debt within 120 days.

You can withdraw money from the Platinum credit card at Russian Standard ATMs without commission. Annual maintenance of the account will cost 499 rubles. If the debt is not closed during the grace period, then 21.9% is charged on the balance. 1% cashback applies to all purchases, 5% to selected categories, and 15% to partners.

Alfa-Bank was the first credit institution to issue cards with a period of 60 days. Today, a financial institution offers everyone to apply for a credit card for 100 days and not pay a commission for withdrawing funds. This is an advantageous offer for those who are used to using the grace period on large purchases and often withdraw money from the account.

This card will be beneficial for those who are used to using the grace period for medium and large purchases, as well as for those who often withdraw cash from a credit card (the grace period on the Alfa-Bank card also applies to cash withdrawal). That is why the Alfa-Bank card can be considered one of the most profitable credit cards for withdrawing cash from ATMs.

It is worth noting separately credit cards, which can be used to purchase goods in installments for 12 months. By usingcards "Conscience" you can buy goods and services from partners of "Kiwi-Bank" in the amount of 5 to 300 thousand rubles. There is no release fee. There is no annual service fee. It is enough for the client to submit an application for a card once and then use it at any convenient time.

A similar Halva card can be issued free of charge at Sovcombank. You can keep your own funds on the account or use only borrowed funds. Cashback up to 20 percent is provided for some transactions.