How to close the Tinkoff card? Is it possible to close a Tinkoff card via the Internet?

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

In modern conditions of life, it often happens that the needs and desires of a person do not quite correspond to his financial capabilities. What to do? Borrow missing funds from friends? Or postpone the purchase until better times? Credit cards help us a lot in such moments.

What is a plastic credit card?

This is a modern financial instrument, which is a plastic bank card with a certain amount credited to it. The bank provides a limit within which the cardholder can pay for their purchases and services received. The amount of the limit is determined individually and depends, as a rule, on the income of the card recipient and his credit history.

Modern credit cards, such as, for example, the Tinkoff credit card, are distinguished by ease of execution and ease of use. Thanks to this tool, it is no longer possible to borrow money from friends and relatives or apply for a loan from a bank. But it should be understood that funds on a credit card -borrowed, and they are subject to mandatory return.

About Tinkoff Credit Systems

The history of Tinkoff Credit Systems Bank (hereinafter referred to as TCS) begins in 1994. Then the credit institution was called Himmashbank. The bank was renamed in 2006, when it was acquired by a well-known businessman Oleg Tinkov.

Bank TCS is the first bank in Russia that has completely abandoned branches (with the exception of the central branch in Moscow). All operations are performed remotely: by phone or on the Internet.

Operators of the round-the-clock support service will answer questions regarding banking operations, tell you about the bank's services and advise on any other questions that arise. For example, you can learn how to open or close a Tinkoff credit card at any time of the day.

The most popular cards of Tinkoff Credit Systems

TKS Bank issues the following types of credit cards:

- "Tinkoff Platinum" is one of the bank's most popular cards, providing the holder with a credit limit of up to 300,000 rubles. By making purchases and returning funds on time, the card user does not pay interest (the interest-free period of use is up to 55 days). You will find detailed information on how to get or how to close a Tinkoff card later in our article.

- ALL Airlines is a card intended mainly for lovers of foreign holidays and travel. Credit limit forthis card - up to 700,000 rubles. If you frequently use airlines, this is the credit card for you. By making purchases of air tickets and any other purchases around the world, the user accumulates bonus miles that can be spent on other purchases. Next, we'll talk more about how to open and how to close the Tinkoff card.

Other types of TKS bank credit cards

- One Two Trip - a card that provides discounts on the purchase of air tickets. With each purchase on the card, the user receives bonuses (1% of its value). Bonuses can be spent at any time you wish. In addition, a One Two Trip cardholder is en titled to free travel insurance.

- Odnoklassniki is a map designed for users of one of the popular social networks. If you are an active user of Odnoklassniki, this card is for you! Distinguished by its individual design. A card with a personal photo may be issued for you. In addition, when paying for purchases with a card, you are credited with OKs, which you can spend on your favorite social network. The credit limit is RUB 300,000.

Getting a credit card

There are two ways to become a cardholder from TCS Bank:

1. Fill out an online application on the official website of the bank. This process usually takes no more than 5 minutes. Site navigation is simple and convenient. By filling out the form, you can close the site. The Tinkoff card will be delivered to your home after the approval of the loan you requestedfree of charge and at any convenient time.
2. If you find an offer from TCS for a credit card in your mailbox, you can also receive it by following the instructions. You need to sign the documents sent in the letter and, attaching a photocopy of your passport, send it back to the bank. The credit card will be delivered to your address.

After receiving the card, you must activate it. To do this, just call the call center and, following the instructions of the voice service, get a PIN code. The card is now ready to use.

Can I close the Tinkoff credit card?

Opening a TCS card is a simple process. It is enough to fill out an application on the site and wait for confirmation. What about closing? Perhaps you no longer need the card and you decided to refuse it. How to do everything right and not remain in debt to the bank?

Information about the closure of credit cards, as a rule, is always less. Most often, the holder just needs to come to the bank branch and contact a consultant. But what if the bank works remotely? After all, Tinkoff Credit Systems has no representative offices in Russian cities.

It turns out that it is impossible to close the card? Not at all! Remember how you opened it. remotely. Consequently, the Tinkoff card can be closed in the same way, i.e. online. This procedure is simple and accessible to everyone.

Online closing of TKS card

If credit cardyou no longer need it, do not rush to throw it into a distant box. It is very important to close the map first. Otherwise, even without using it, you can accumulate debts to the bank. It's not just about the annual fee for servicing the card. Additional services may be connected to your account. For example, SMS informing or insurance.

How to close a Tinkoff card via the Internet? This is not difficult. First you need to make sure that you have no debt to the bank. To do this, simply call the call center or check your account using Internet banking.

If there are no outstanding loans, you can close the card at any time. Call the operator and inform about your intention. Be prepared for the fact that the call center employee will ask you to provide him with your passport data and the code word of the card.

But you can do it differently. In our age of information technology, use the Internet banking system. Block the card in your personal account, and then contact the call center and ask to terminate the agreement.

Features of closing the card

You have decided to close your credit account and you already know how. You can close the Tinkoff card (submit an application for closing) at any time. But it should be understood that it will not be blocked instantly on the day of the appeal. It will be necessary to wait for a certain period in which your application for closing an account will be considered and the absence of debt verified. It is also necessary to pay the balance of the debt, which couldappear during the closing application period.

After receiving confirmation from the operator about closing the account, check the status in your personal account. You can dispose of the Tinkoff credit card yourself.

It should be noted that the remote closing service, despite its convenience, is a rather rare phenomenon among Russian banks. Tinkoff Credit Systems Bank is one of the few financial institutions providing it.