Credit card "VTB 24". Get a credit card "VTB 24"
Credit card "VTB 24". Get a credit card "VTB 24"

Video: Credit card "VTB 24". Get a credit card "VTB 24"

Video: Credit card "VTB 24". Get a credit card "VTB 24"
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Russians are increasingly using credit cards. They, in turn, are offered by many Russian banks. How to find the right one? There is an option - contact VTB 24, one of the largest financial institutions in our country.

About the bank

Commercial bank "VTB 24" specializes in providing a wide range of financial services for individuals and organizations. This credit institution has more than 500 representative offices in the regions of the Russian Federation.

VTB 24 credit card conditions
VTB 24 credit card conditions

You can find a bank office in almost any major city. Among the most popular financial services of VTB 24 is the provision of loans through the issuance of specialized bank cards. The bank also issues many other types of loans - mortgages, loans for the purchase of cars, for business, etc.

Why do I need a credit card?

Credit cards are convenient in that they can, just like with the help of debit "plastic", pay for purchases - at the same time, there are no commissions, even if the money is withdrawn to a credit account, the bank will not take it.

Credit cards
Credit cards

You can pay with credit cards in any country where there arethe main world payment systems VISA and MasterCard.

Classification of cards according to credit schemes

Credits from VTB 24 can be classified according to a number of criteria. There are cards under which the client gets the opportunity to repay the loan on preferential terms. There are credit cards that include some overdraft limit. There are cards that have a grace period regarding interest payments. Almost all credit cards issued by VTB 24 can be used by the client when using the grace-period - a grace period during which no interest is charged on the loan.

Credit card VTB 24
Credit card VTB 24

A mandatory condition for the full use of this advantage is the regular (within the billing period) depositing the principal amount of the debt on the card (which, as a rule, is indicated in the monthly bank statement). As a rule, the standard settlement period at VTB 24 is from the 1st to the 20th day of the month. The minimum amount in question is usually 10% of the principal. By the way, the same figure is used when calculating the so-called minimum payment - the total amount of money that the client must deposit on the card every month on account of the principal debt, and the interest accrued after the grace period.

What can the bank offer?

"Classic" credit card "VTB 24" - the most common type of "plastic" from this financial institution. It is quite simple in design, the requirements for the borrower are minimal. The credit limit on this card averages 300 thousand rubles, the interest rate is about 19% per year. Every year, the bank charges a fee (750 rubles) for servicing the card.

Transaero is another popular credit card. VTB 24 offers it to clients who travel a lot. This product combines the features typical of any credit card, and also provides many bonuses that can be used when buying tickets from Transaero. In particular, these are points that an air passenger can spend on upgrading a seat (from economy to business). The credit limit and the rate are approximately the same as for the "classic" card. The annual cost of servicing a credit card is 900 rubles, but in the first year the bank allows you to use it for free.

There is a prestigious "Golden Card" in the line of VTB 24 credit cards. It is designed to emphasize the fact that the client is a we althy person. This card provides certain bonuses when serving in hotels and other service points in many countries of the world. The credit limit of the "Golden Card" is higher than that of the "classic" and "Transaero" - 600 thousand rubles. The interest rate is slightly lower - an average of 18% per year. True, for such a pleasure, the client will have to pay a substantial amount as part of the annual service - 3 thousand rubles.

A level above the "Gold Card" - "Premium" credit card. She has an impressive limit - 1.5 million rubles, a reduced interest rate - about 17% per year. The cost of annual maintenance is also decent - 10 thousand rubles. This product has interesting bonuses, including cash-back, when 5% of the amount spent on the purchase is returned to the card account in case of non-cash paymentor payment for services.

Apply for a VTB 24 credit card
Apply for a VTB 24 credit card

The most solvent customers can apply for a VTB 24 credit card called Platinum. The credit limit for it reaches 2 million rubles. Annual service - 30 thousand. For holders of such a card, the bank promises an individual approach to service and a quick solution to a number of possible problems. For example, if the card is lost, the bank is ready to replace it as soon as possible or to issue funds at the expense of the credit limit.

Among additional credit products is the My Conditions card. According to it, the client can receive a number of useful services, take part in insurance programs. True, the credit limit for such cards is modest - within 150 thousand rubles.

The so-called grace-period, when VTB 24 does not charge interest on all cards for using the credit limit - 50 days.

Design

A VTB 24 credit card can be issued by visiting any office of this financial institution. Previously, all the conditions, as well as information on the necessary documents can be found on the official website of the bank. The client can receive a preliminary decision regarding the application for the card by filling out an online form or by transferring his data to a call center specialist by calling a toll-free number.

VTB 24 Bank may, once making a preliminary decision based on an online application or one made by phone, no longer perform any additional checks on the client's solvency. That is, if the borrower has received consent, then when he comes tobank office, then all you have to do is sign the necessary documents and receive a card soon after.

What determines the credit limit?

The maximum credit limit specified in the description of the cards is not guaranteed by the bank. But the more likely it is to get access to it, the more acceptable for the bank are such characteristics as the client's age, place of work, length of service, salary level, as well as information from his credit history.

VTB credit card 24 reviews
VTB credit card 24 reviews

Typical formula for calculating the maximum credit limit - its size should not exceed 300% of the monthly salary (or other confirmed income) of the client. Credit cards are generally valid for two years.

Checking the balance

VTB 24 Bank has developed several convenient options for checking the balance on credit cards. Among them is the Teleinfo system (or Telebank). Within it, several channels are involved - the Internet, telephone, SMS-messages. Through one of them, the client can perform several useful operations, such as, for example, ordering a bank statement for a certain period, or finding out the loan debt. Also, in some cases, it is possible to issue a bank deposit through Teleinfo. Activating this service is simple - just call the bank's contact center, and then give the card number, code word and answer a number of possible additional questions from a specialist.

VTB 24 bank credit card
VTB 24 bank credit card

For a small monthlyfee (usually within 50 rubles), the client can activate the "SMS-informing" service. Using your phone, you can manage your account and even pay for some services.

There are also "classic" balance check schemes - through an ATM or at a bank office. An important point: VTB 24 does not charge a commission when checking the balance at an ATM, but other credit institutions can do this. When visiting the office, you will need the client's official ID.

Who can get a credit card?

If, say, some US banks are ready to provide banking services related to loans to non-residents of the country, then the VTB 24 credit card can only be issued to residents of the Russian Federation. The minimum age of a client for processing banking products related to loans is 21 years. The solvency of the borrower is the most important criterion for VTB 24. A credit card, the terms of issuance of which are prescribed by the bank quite transparently, is issued to those borrowers who have a regular income, preferably through work drawn up in accordance with the Labor Code.

Bank VTB 24
Bank VTB 24

Credit history is also an important criterion for making a positive decision on issuing cards. If the client is overly indebted or has systematic delays in loan repayments, including those issued by other banks, then the chances of getting a credit card can be significantly reduced. Many borrowers, when trying to apply for a product such as the VTB 24 credit card, leave reviews where they write that the bank refused due to insufficiently good credit history.

Insurance

Users of most credit products "VTB 24" offers to take out insurance in case of disability. There is also an option in which the credit card is insured against illegal access (however, only a certain amount is subject to compensation, the typical interval is 20-150 thousand rubles). The bank regularly offers discounts on the issuance of policies. Their size, which can reach 10-15%, depends on what type of card, what are the conditions of the insurance program.

Promotions, special offers

The VTB 24 bank credit card is a product that may be of interest to customers due to the opportunity to receive various prizes and bonuses on a quite regular basis, as well as enjoy interesting special offers. All these privileges are provided to customers through the cooperation of the bank with retail chains or service centers, quite often with online stores. As a rule, the condition for receiving certain bonuses is that the client makes purchases in partner organizations.

Affiliate programs

Let's look at examples of how VTB 24 cooperates with various companies to provide its customers with profitable bonuses and purchases. Among the popular programs of such partnership is interaction with the OZON online store. Bank customers, when making purchases using VTB 24 credit cards in this online market, can count on a 7% discount or accumulative points that can be used on subsequent purchases. As part of the Mobile Bonus program, VTB 24 customers benefit fromusing communication services from Beeline. They return part of the money spent from the subscriber balance back to the card. Of course, many Russians want to get a VTB 24 credit card and at the same time a number of useful privileges from popular service and product providers.

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