Gazprombank credit card: how to apply, conditions

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

Banks of Russia issue loans to adult and capable citizens of the country, subject to the provision of evidence of financial loy alty.

Gazprombank's credit card is available only to participants of the "salary project". If the employer has chosen "GPB" for the accumulation and distribution of the wage fund, then the employees of the enterprise have the right to apply for debt plastic.

Types, terms and rates

Gazprombank issues two types of main credit card with installment payment:

1. With grace period.
2. No grace period.

Gazprombank credit card conditions attract with a long grace period.

The size of the limit is determined by the amount of the client's monthly income. In practice, a proportion is adopted: the limit is equal to two average monthly incomes. For example, a client receives 35thousand rubles. The maximum loan amount is 70 thousand. Provided that the client has no other obligations. If there are other loans, outstanding debts and mandatory payments, then the CFU takes into account the circumstances. As a result, a credit card can be issued only for 15 thousand rubles. Risk management stands guard over the interests of KFU.

Interest rates and duration of the grace period of various CFIs are presented in the table.

KFU name	Term of interest-free use of the loan, days	Rate per year, %
"Gazprombank", with a grace period and installments	90	23, 9
Gazprombank, installment plan	0	21, 9
Sberbank	50	27, 9
Raiffeisenbank	50	29, 0
"Tinkoff"	55	29, 9

Gazprombank credit card interest is more attractive than offers from other institutions.

CHIP carrier is valid for one year. The user agreement is automatically renewed if:

• one month before the expiration date, the counterparties will not announce the termination of the relationship;
• the parties fulfilled the terms of the agreement without violations over the past year.

Requirements for applicants of finance and list of documents

The following requirements apply to the borrower:

1. Possession of a Gazprombank "salary" card.
2. Registration in Russia.
3. The age limit for women is 59; for men - 64 years old.
4. Availability of communication means: phone - mandatory; Email is preferred.

Under the current law, ladies who have reached the age of 55 and gentlemen aged 60 move into the sector of socially protected citizens and are en titled to receive pension payments. But, according to statistical observations, people continue to work for at least five years after the legal threshold. In addition, the government of the Russian Federation has been actively discussing the issue of raising the retirement age by at least three years for the fourth year. Thus, by setting age limits, KFU minimizes the risk of loan default.

There is no need to bring additional scans and copies of documents on income and registration, since the necessary information has already been entered when applying for a "salary" chip.

Gazprombank credit cards are accepted in Russia and abroad.

Conditions and methods of registration

If the loan applicant meets the requirements for borrowers, then there are four ways to apply for credit plastic:

1. Through filling out a form on the GPB website.
2. On a call to the hotline. There is a free mobile number in the country and a paid one.fixed Moscow phone.
3. Via GPB ATM.
4. Office visit.

To apply for a Gazprombank credit card, you need to pay a visit to the KFU office.

The illustrated plastic segment has a value. In different institutions, the amount is called differently. The GPB introduces the concept of “for issuing a card”. The price of the event is 750 rubles. In subsequent years, the service charge is zero.

Sberbank, for example, does not require a fee “for issuance”, but there is an annual fee “for service”.

How to activate

The conditions for using a Gazprombank credit card begin with bringing the plastic into working condition. When receiving plastic at the office, activation through an ATM is useful:

1. Go to the ATM and open the envelope with the PIN code.
2. Insert the plastic into the seat.
3. Enter the password from the envelope.
4. Select an option from the menu, for example, display the balance on the screen.
5. Replace the original password with your own four-digit design, understandable only to the owner. You should not choose the year of birth and other bright events.

Activation can also be carried out by a KFU employee. But at the same time, the client must enter the password himself. The PIN code must not be given to strangers, no matter how nice, polite and helpful they may appear.

How to find out the balance

Information about the balance of borrowed funds is available through the options of the ATM. If the device is not working, thenat the KFU office cash desk, if there is an identity card, the cashier will report the available balance.

Citizens with smartphones, tablets and laptops have access to an online personal account, where information about the financial parameters of the loan is disclosed to the holder.

Cash withdrawal

CHIP-carriers of financial information of Gazprombank clients are serviced at GPB ATMs and partner banks.

To withdraw cash, you must insert the card into an ATM and enter the PIN code. The combination of four digits must be entered carefully: after three erroneous attempts, a block will occur.

When the password is entered correctly, the ATM first returns the media, then dispenses banknotes. The entire operation takes 45 seconds. The user is not recommended to be distracted, as exceeding the time interval will lead to the capture of the card.

Handling the PIN requires following the rules:

1. Do not write the code on plastic and do not keep it nearby, for example, in a purse.
2. Do not advertise the password at the time of entering: cover the keyboard with your hand.
3. Don't share your password with anyone.

Debt repayment procedure

Since the user of a Gazprombank credit card is also a participant in the "salary project", the debt is automatically written off.

You should not be afraid of withdrawing the entire amount of income received. The mandatory payment is equal to 5% of the amount owed plus interest for the period of use of someone else'sfunds.

Interest is calculated daily for each calendar day. The payment term is set after the expiration of the month of using the borrowed funds. If the scheduled time of payment falls on a weekend, the obligation is transferred to the next day.

For example, the due date is the 28th of the month. But in January it is Sunday, which means that the obligation to repay the debt in the prescribed amount will arise on January 29.

The next billing period will start on January 30th.

The bank dictates the condition of the minimum deposit amount - three hundred rubles of debt plus interest.

The holder of credit plastic has the right to deposit an amount above the specified limit into the current account. Suppose the loan limit is set at 105 thousand rubles. The man paid for the purchase with money in the amount of 32 thousand. Having received finances in five thousand banknotes, the debtor deposited seven sheets through an ATM. The account was replenished by 35 thousand rubles. The "extra" three thousand are the borrower's own funds. With these finances, a person has the right to pay at any time without obligation. But the holder will not be charged interest on the "extra" three thousand.

Advantages and disadvantages

A banking product, like any product, has both positive and negative qualities.

Pros: GPB offers holders of debt carriers a grace period of 90 days. The product is purchased, for example, on January 10th. The loan amount must be paid by April 10th. Whereas in Sberbank or Raiffeisenbank this intervalequals 50 days, almost half as much.

The interest rate for using borrowed funds is lower than that of competitors. A Gazprombank credit card with a grace period of three months is convenient for people with a guaranteed level of earnings.

Cons: for those who are not GPB clients, convenient borrowed funds on plastic are not available.

Receipt of debt plastic is possible only at the KFU office.