2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16
Lending has always been the most popular banking service. However, over time, getting cash for certain needs gradually faded into the background. This is due to the fact that today almost any financial institution can issue a credit card without any problems. With it, you can pay in stores, for certain services, use products via the Internet and much more.
In addition, it is possible to use only a certain part of the debt limit and not overpay additional interest. Alfa-Bank is one of the leaders among credit organizations in the Russian Federation. Therefore, more and more customers use the services of this financial institution.
Before you get an Alfa-Bank credit card, you should clarify a few important nuances. Of course, no one wants to pay extra fees.
What to do to make QC really profitable?
First of all, before you get an Alfa-Bank credit card, you should pay attention to your financial capabilities. The problem is that most programsthere is a certain grace period during which the client can repay the loan without overpaying any commission. This is very beneficial if you really have time to return the money.
Also, before signing the contract, it must be carefully read. It is possible that an annual card service is provided, which is also paid. In this case, the cost of the credit card will immediately be added to the debt. Do not be afraid to contact the bank manager with questions of interest. It is better to immediately find out all the incomprehensible moments than to rack your brains later on how such a huge amount of extra interest was accrued.
The most competent option is to use the services of a lawyer who will help analyze the contract and the conditions for obtaining a specific CC.
Requirements for borrowers
In addition to the question of where you can get an Alfa-Bank credit card, it is recommended to pay attention to whether the borrower meets the conditions of the financial institution. He must be a citizen of the Russian Federation. However, credit cards are not issued to individuals under the age of 21.
Also, the applicant must provide documents confirming that his monthly income is more than 9 thousand rubles. In addition, only those who have been working at the same place for more than 3 months can receive a CC. This means that the question of how to get an Alfa-Bank credit card for an unemployed person can be automatically excluded.
Besides this,a citizen must provide a permanent residence permit in the same populated region in which the branch of the financial institution is located. Among other things, bank employees must check the previous credit history of the borrower. If before that he had experience of late payments or lawsuits from creditors were found out at all, then, most likely, he will be denied a credit card.
How to get a credit card at Alfa Bank: conditions
To get a coveted credit card, you need to prepare not only an internal passport, but also a document that allows you to travel abroad or a driver's license. It is also desirable to have a medical policy.
It is best to immediately make photocopies of all these documents. In order to reduce the interest rate for using the card after the grace period, it is recommended to provide a certificate in form 2 of personal income tax.
If we talk about the possibility of obtaining a credit card without references at Alfa-Bank, then it exists only for regular customers.
You can apply for QC in one of several available ways.
To a branch of a financial institution
This is a classic way to get an Alfa Bank credit card. In this case, the applicant must prepare all the necessary documents and additionally make copies of them. After that, it remains to choose the branch of the bank that is closest.
Employees of the credit institution will advise on existing programs, as well as check documents. After receiving approval, the bank will need some time to prepare the plastic carrier. At the next stage, the applicant will only have to come to the bank and pick up the CC.
Online
In any self-respecting bank, when applying for a loan, you can use the services online. To do this, just go to the registered website of a financial institution. For existing clients, everything is much easier. They just need to go to their personal account and choose the CC they like the most.
New customers just need to go to the "Cards" section and apply. There you will need to enter your personal data, information about work, contact phone number and so on. After that, the request from the borrower is processed. After some time, an SMS is sent to the client or an operator calls, informing about the decision. As a rule, before submitting an application online, you need to visit the bank office and show the original documents to the employee of the financial institution. In this case, you will only need to visit the bank once.
How to get an Alfa-Bank credit card in this case? After the approval of the loan, in 5 working days it will be possible to receive a ready-made CC. To do this, it is not necessary to go to the bank office, as you can order delivery.
Loan amount
Of course, all potential clients of Alfa-Bank, firstthe queue is interested in the QC limit.
If a resident of Moscow applies to a bank and at the same time he wants to get a loan in rubles, then the minimum amount that he can count on will be 10,800 rubles, and the maximum possible amount will be 150 thousand rubles.
However, it all depends on the payment system to which the card will be linked.
If you choose the most expensive cards to service, the maximum loan amount can be from 300 to 750 thousand rubles.
The Twins
The name of this credit card speaks for itself. In this case, the product is a two-sided QC. This allows the customer to use both a credit and a debit account.
This modern feature is very handy, because in this case, the plastic rectangle will not take up too much space in the wallet. This is very important for those people who keep a huge number of business cards, discount coupons and much more in their purse.
It is also very convenient when the debit side of the card runs out of money. In this case, it is enough to turn over the plastic and pay for the necessary purchases with credit funds. After we managed to get a credit card, Alfa-Bank ATMs will also be available to the client.
However, it should be borne in mind that for the year you will have to pay 2490 rubles for services.
No Cost
This credit card belongs to the Platinum category. Why is this beneficial to customers? First of all,it is necessary to clarify that in this case the annual service of the card will be free. The limit on the amount of credit funds is 300 thousand rubles. In this case, the client has the right not to pay any interest on the amount of money for 60 days.
For some, this period is not enough and the limit is not very happy.
However, given that its maintenance does not require any financial costs, then in this case the client loses absolutely nothing, receiving a rather impressive amount of money for almost 2 months. At the same time, he will not spend a single ruble from his own pocket. The main thing is to pay off the debt in a timely manner. Otherwise, you will have to overpay a lot, and then the offer will not be so profitable.
100 days
From the name of this card it becomes obvious for how long you can freely use money without worrying about overpayment. At the same time, the countdown of free days starts from the moment when a debt has formed on the limit on the credit card. However, before you get an Alfa Bank credit card for 100 days, it is worth considering that such an interest-free period will only work if a monthly payment of 5% of the total debt is made to the account. The minimum threshold is 320 rubles.
After the grace period of 100 days, the interest rate will be 23.99%. The cost of servicing this QC depends on each individual situation. If the client provided the whole packagedocuments, the minimum payment will be 1190 rubles. In special cases, maintenance can reach up to 7,000 rubles a year.
Regardless of the chosen credit card, you should carefully study the terms of lending, which change quite often.
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