Credit card "VTB 24": terms of use, reviews of pensioners

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

"VTB 24" offers customers the most favorable conditions for obtaining credit cards. Basically, all bank products do not require collateral and guarantees. The VTB 24 credit card adheres to the same rules. Terms of use, feedback and method of obtaining the card are available and acceptable.

About the bank

"VTB 24" is a fairly large financial institution in the country. Recently, in his work, he began to use modern technologies, consisting in remote account management.

The activity of the bank is mainly aimed at providing financial services to various businesses and individuals. Today, the organization offers almost all popular types of services.

More than ten lending programs are available to individuals. You can get a loan, for example, to buy a car, pay tuition from 18% per annum, alsoit is possible to purchase real estate at 9.4%. The bank's programs also include the VTB 24 credit card. Terms of use, interest on it is acceptable. At 22% per annum, you can easily and simply get a convenient platinum card.

The Bank provides customers with a huge number of financial services, including opening a deposit and making a transfer.

"VTB 24" is also developing very socially. He is engaged in supporting projects in the field of education and science, culture and he alth. The bank also helps disabled children and veterans in need.

Main benefits of the VTB 24 card

Today, VTB 24 credit cards are very popular. Conditions, reviews, methods of repayment, necessary documents - we will consider all this below. There are a lot of advantages to bank cards. The main advantages of them:

• Quite high credit limit, even for classic cards.
• Grace period reaches fifty days.
• Up to five additional cards can be issued at the same time.
• The interest rate is low: from 22 to 28%.
• The grace period can be used even if the money was withdrawn in cash.
• The decision to issue a card to the client is made in one day.
• When paying with a credit card, bonuses are returned to it.
• There are discounts for the purchase of air or railway tickets.
• Availability of insurance services on cards.
• SMS notifications are free.

Classic cards "VTB 24"

Cards are represented by the most famous payment systems. The maximum credit limit is 299,999 rubles. Card service is free. You can use borrowed funds without interest for 50 days. Registration is possible up to the age of 68 years. To apply, you will need a passport and a second document.

Types of cards:

1. "Cash without overpayments". Withheld 1% for withdrawals in any ATM. With this pocket card, cash will always be available.
2. "Cash back on all purchases." 1% of purchases made with the card are returned.
3. "Gifts for purchases." Paying for purchases, you can get one bonus for every fifty rubles. It is considered the most profitable just such a credit card "VTB 24".

Classic Group Terms of Service:

• The rate is 28%.
• The registration fee is 900 rubles (for a pocket card).
• Commission for registration - 75 rubles. (for other cards).
• Withdrawal fee - 1% of the amount.
• Minimum payment - 3% of the debt plus interest.

Gold and platinum cards "VTB 24"

Gold cards are represented by Visa and MasterCard payment systems. The limit on the card reaches 750,000 rubles. Monthly maintenance is free.

Types of gold cards:

1. "To travelers". Accumulation in progresspayment for purchases (2 miles for 35 rubles). You can buy airline tickets with miles. Insurance program included. Paying for purchases with this card, you can quickly save up for a trip.
2. "To motorists". 3% cash back. A rather handy service called "Roadside Assistance" is also included.
3. "For lovers of entertainment." 3% cash back when paying for purchases in establishments. Reservation service included.
4. "Gifts for purchases." For every 30 rubles used, 1 bonus is awarded. Accumulated bonuses can pay for all kinds of bank services. Such a gold credit card "VTB 24" is considered one of the most profitable.

Gold Card Terms and Conditions:

• The rate is 26%.
• Commission for registration - 350 rubles.
• Minimum required payment 3%.

Types of cards and terms of use for platinum cards are almost identical to gold ones.

The main differences between a platinum card and a gold one:

• The limit on the platinum card reaches 1 million rubles.
• On the world map for every 35 rubles used. 4 miles are credited.
• Cash back is 5%.

Apply for a credit card

To issue a card, the client must contact the bank branch with a passport. You can also simply leave a request on the VTB 24 website or call the hotline number.

The offered limit on the card depends on the client's age, seniority, income level and place of work. One of the prerequisitesis a positive credit history.

From additional documents you will need to submit: a certificate from the place of work on wages, a certificate in the form of a bank, a foreign passport, an account statement, a car registration certificate.

Credit card "VTB 24": terms of use, customer reviews

Reviews about VTB 24 cards can be described as positive. The tariff policy for available cards is quite transparent. Cards are divided into different types, which is very comfortable for the borrower. ATMs supporting card data are located almost everywhere.

According to many customers, the VTB 24 credit card is considered one of the most convenient. Almost everyone likes the terms of use for pensioners. Everything is more than understandable and accessible. It is usually difficult for older people to deal with the conditions and functionality of the cards, but VTB 24 has done everything possible for customers of any age so that they can easily use the cards.

Negative feedback is mainly related to the work of the support team. Getting through to the hotline is difficult, and sometimes even impossible. That is why many customers generally prefer to go to bank branches.

Credit card "VTB 24": terms of use, employee reviews

Today the bank has 1023 branches. Branches are present in seventy-two regions of the country. There are a large number of employees in the bank, there is a constant turnover of staff.

Working conditions Bank "VTB 24" makes the mostcomfortable. The branches are all clean and nicely decorated. For effective work, employees are provided with everything, up to a good salary.

Bank employees adhere to certain rules in their work: efficiency, transparency of the terms of cooperation for the client and courtesy, thereby attracting as many clients as possible to the bank with their benevolence.

There are almost no negative feedback from employees about the bank. Everyone is satisfied with the attitude of the management, accrual of bonuses and continuous professional development. Including the bank for employees provides cash bonuses under certain life circumstances.

Grace Period

Grace period allows the cardholder to use the card limit for free for a set period. Basically, all banks adhere to the rule that the grace period applies only to non-cash transactions. VTB 24 is a little more perfect in this matter. The bank allows you to use the interest-free period, even if the money was withdrawn in cash. Thus, the grace period applies both to funds that were spent non-cash and to withdrawn money. The number of days in the grace period is 50. The countdown starts on the first day of each month. Therefore, keep in mind that the grace period may be less than fifty days.

The Bank is trying to increase the number of its loan products every year. Forcustomers have the maximum available credit card "VTB 24". Terms of use, reviews about it are adequate. VTB cards are diverse and have a good credit limit, which reaches up to 2 million rubles. Everything is very convenient and transparent.