Eastern Bank credit card: owner reviews, features and conditions

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

Vostochny Bank was founded in Blagoveshchensk twenty-six years ago and today is one of the largest private Russian financial institutions in the retail sector. This institution has one of the most extensive regional networks. The accession of Uniastrum Bank to this institution, which took place at the beginning of this year, made it possible to increase business performance, and in addition, increase the reliability of the presented structure. Let's learn more about this financial organization, features and lending services.

Reviews on the Eastern Bank credit card will be considered at the end of the article.

Bank information

To date, his net assets amount to two hundred and eighty-seven billion rubles. At the same time, the volume of the retail lending portfolio is one hundred and seventeen billion. As for the retail deposit portfolio, here we are talking about the amount of one hundred and forty-seven billion rubles. After the mergerbanking structures, the presented system has over seven hundred branches.

This financial institution is a member of the deposit insurance system and is included in the register of credit institutions that have been recognized by the Bank of Russia as a significant structure in the payment services market. This organization is also included in the published list of credit institutions that meet the requirements for the placement of pension savings funds by non-state funds. Forbes magazine included him in the rating of the 100 most reliable Russian financial structures.

Reviews about the Orient Express Bank credit card abound.

This credit institution takes part in government programs aimed at business development. This institution independently creates various projects for the development of entrepreneurship. For example, a program for lending to women in business. As part of its development strategy, this bank places great emphasis on providing quality financial services to residents of Russian regions. In addition, Vostochny Bank operates not only in large cities, but also in a large number of small areas where many large financial organizations avoid entering.

Reviews about the Orient Express bank credit card are of interest to many.

Loans to individuals

All kinds of loans for individuals from Vostochny Bank are designed toproviding assistance in choosing the most comfortable option for the client. The choice is made, as a rule, on such indicators as the amount, the interest rate along with the total cost of the loan, as well as the length of the repayment term and the possibility of additional security due to collateral. Favorable conditions, combined with a simple procedure for processing the necessary documents at East Bank, make it possible to use funds for a variety of life situations:

• Providing a quick loan for making planned purchases in the amount of up to fifty thousand rubles.
• Finishing a profitable loan to buy a car.
• Selection of a consumer loan for serious purchases in the amount of at least two hundred thousand rubles and more.
• The need to get a secured loan for up to fifteen million rubles.

Applying

Obtaining a loan for individuals usually starts with an application, which is quite simple to do. The client can fill out his application at any of the bank's branches, which are located throughout the country. In addition, Eastern Bank has a flexible system for accepting requests for loans to individuals, for this it is not at all necessary to come to a branch of a financial institution in person:

• It is possible to use the online service to apply directly on the bank's website, within which you can get a preliminary decision withinminutes.
• To receive a response from employees about the final decision, the client can contact the information service at the bank's toll-free number.
• If you need to consult on the terms of loans for individuals, you will need to fill out an abbreviated version of the application on the organization's website or order a call from an employee who will call back within ten minutes.

The bank claims that customer applications for a loan are considered as soon as possible. In cases where a positive decision is provided, a person can draw up a contract within twenty-seven days.

According to reviews, the Orient Express bank credit card is more popular than consumer loans. More on that later.

Conditions for granting loans to individuals

This financial institution has convenient lending programs for customers. The main types of consumer lending are issued according to the passport without the requirement to provide additional income statements and the like at the Orient Express Bank. Loan reviews confirm this.

In order to obtain approval from the bank for some types of loans that are designed for a large amount with the lowest interest rate, additional documents may be required confirming the level of income:

• Reference in the form of 2-personal income tax or according to the model of the bank.
• Documents that confirm the employment of the borrower, as well as his work experience.

Interest rates on loans for individuals in this bank are determined by the amount that the client wants to receive, and, in addition, the repayment period and the presence of additional collateral.

Below will be the reviews of the owners of the Orient Express Bank credit card.

Credit conditions for legal entities

This financial institution offers businesses the following benefits:

• Possibility of postponing repayment, which directly depends on the seasonality of the business of a particular client.
• Providing full or partial early repayment.
• Flexibility in approach to collateral.

Loans to legal entities "Vostochny Bank" provides in rubles in the amount of three million rubles for up to twelve months. In this case, borrowers are required to make monthly interest payments according to the schedule. The loan is issued on the security of real and movable property, in addition, a guarantee from the business owners is required. As a rule, after a legal entity applies to the bank, the final decision is communicated to him after analyzing the financial and economic activities of the borrower's business.

Loan Reviews

Reviews about loans in this bank are contradictory. Some people like that loan approval happens more often than rejection. In order to become a client, it is enough to have a good credit history. But other people are outraged by huge interest, pen alties and hidden fees. Sumthe overpayment is very large. Dissatisfied borrowers do not recommend taking funds from this bank.

Eastern Bank credit cards

A credit card is a convenient and profitable financial instrument that serves as an alternative to the usual consumer loan. With such a card, you can pay for goods and services, as well as store your own money on it. Getting a credit card from Eastern Bank provides a number of the following benefits:

• It is impossible to lose money from the card. In the event that it is lost, it can simply be blocked.
• A credit card designed for individuals allows you to take part in various promotions, and, in addition, receive discounts, gifts and bonuses.
• In most situations, cards have an interest-free period. In the event that the client returns the money on time, he will not pay interest and use the bank's funds for free.
• Often, the conditions of credit cards are to return part of the money spent on purchases to the client's account, that is, we are talking about cash back.
• Having a card in hand, you can use it repeatedly without thinking about how to reach the salary, and without denying yourself any pleasures.

Youth

Let's consider the credit card "Molodezhnaya" from the bank "Vostochny" and reviews about it.

Product different:

• Rate from 29.9% to 78.9%.
• Credit limit up to RUB 300,000
• Grace period up to 56 days.
• Issue value - 200 rubles.
• No fee for the first year of service.
• Charging interest on the account balance.
• The ability to issue a card with a chip.

Reviews about the credit card "Molodezhnaya" of the bank "Orient Express" are contradictory. It is convenient to have it in your wallet in case of unexpected expenses. Of course, it may not be profitable to use it all the time, since the interest on it is very high.

Seasonal

Reviews of the "Seasonal" credit card from the Orient Express Bank are also in abundance.

She is characterized by:

• Rate from 29.9% to 51.9%.
• Credit limit up to RUB 300,000

• Grace period up to 56 days.
• Issue fee - 1000 rubles
• The cost of the first year of service is zero rubles.
• Charging interest on the account balance.
• The ability to issue a card with a chip.

Easy

Let's talk about the "Prosto" credit card of Orient Express bank.

Reviews are below. Different:

• Bet 0%.
• Credit limit up to RUB 120,000
• Grace period up to 1850 days.
• No issue fee.
• Fee for the first year of service - 950 rubles
• Charging interest on the account balance.
• The ability to issue a card with a chip.

According to reviews, credit card"Basic" Bank "Orient Express" for many customers is absolutely unnecessary. It is issued as an alternative, if at the moment it is impossible to issue other products of the bank.

Individually for each client, the initial limit on the card and the interest rate are set, and after three months it is possible to increase the loan to 300,000 rubles.

How can I get a Vostochny bank credit card?

In order to order this payment instrument, it is not at all necessary to go to the bank, but you can issue a card online. To do this, on the page with a list of credit cards, you need to select the one that is most suitable, and then go directly to the checkout. After the client enters the necessary information into the form, the bank employee will issue a card for him and send it by courier or by mail. As a rule, issuing a credit card requires very little time. Reviews of the credit card "Prosto" Bank "Vostochny" are given below.

This organization gives its customers the opportunity not only to order a credit card via the Internet, but also to open a deposit or get a loan, and, in addition, exchange currency. Among other things, in this financial institution you can purchase a certificate for legal advice.

Options for choosing a credit card at Vostochny Bank

The card should be chosen according to the following criteria:

• Credit card rates. This criterion assumes the interest required to be paid in thatif the client did not have time to deposit money to his payment system.
• The amount that the cardholder can receive at a time. This amount is called the credit limit. This criterion is fundamentally different for certain credit cards.
• Grace period, that is, a grace period during which a person can use the bank's money in an interest-free mode. It is worth saying that the longer it is, the better.
• Additional features to the map. That is, the opportunity to participate in various promotions, the right to receive bonuses, and so on.

Wishes and opportunities

When choosing a credit card, you should measure your desires with your capabilities. In addition, you need to carefully study the conditions for using the payment instrument, and it would be best to call the Eastern Bank for advice on various services. Employees of the organization will always help customers with the correct selection of a card and inform about additional services, and, in addition, they will tell you how to place an order. The right credit card can make life more convenient and secure. Now let's find out what the customers of Vostochny Bank think about its services.

Reviews on credit cards of Orient Express bank

Unfortunately, reviews about the work of this bank on the Internet are mostly negative. Mostly dissatisfied customers who took a consumer loan from this financial institution.

People write that afteras they happened to become a client of this bank, they are constantly distracted by calls to lure and impose another loan. And any demands to stop calls remain unfulfilled. In addition, the incompetence of staff is often reported, which is not always able to clearly and adequately advise on certain issues.

It is also reported that there are often cases when employees of Vostochny Bank, in order to lure another client, initially name one interest rate, and when it comes to signing the contract, it turns out that the value is completely different, and the conditions are completely not as profitable as promised.

Thus, based on the reviews, we can say that most consumers are dissatisfied with the activities of this bank and believe that this financial institution does not value its customers, but only tries in every possible way to lure them into concluding another contract, terrorizing them with endless calls.

We reviewed reviews of loans and a credit card from Orient Express Bank.