2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16
A credit card is a plastic card that is provided by banks to the client on the terms of a loan agreement. It is used to carry out transactions in which the bank's funds are used. To date, this is the most convenient option for making payments or storing your money. One of the most popular in Russia is the Tinkoff card.
User reviews show that it has a number of positive qualities. So, the grace period lasts up to 55 days. This means that its owner during this period uses the card without interest. In a more accessible language, if you pay for any goods with a credit card and repay the debt during the aforementioned period, then bank interest on the loan is not charged.
There is another plus that the Tinkoff card has. Reviews show that the providedbank funds can reach 300,000 rubles. In addition, it is possible to repay the loan throughout Russia without commission. As for the minimum payment, it does not exceed 6 percent of the debt. This is much less than, for example, in Svyaznoy Bank, where the minimum repayment amount does not depend on the amount of debt, but has a fixed rate.
Maintenance of the card in the first year is free of charge. Subsequent years are subject to a fee of RUB 590.
Interest for withdrawing a sum of money depends on the tariff plan according to which a particular Tinkoff card is issued. Reviews show that they are not very different from the percentages of other banks when making a similar operation and amount to 3% + 290 rubles. As can be seen from the above, it is unprofitable to withdraw small amounts. If the purchase is made by bank transfer, then these percentages are not charged.
An application for its receipt can be left on the official website of the bank. Issuing a card is slightly different from similar processes in other similar institutions. So, if your application is approved, it is delivered by courier to your home. Here the contract is signed and the Tinkoff card is provided. Reviews show that when making a decision, the bank pays special attention to credit history. If there are at least some comments on your candidacy, the chances of receiving this card are significantly reduced.
BankTinkoff provides several types of credit cards: Tinkoff Platinum, Tinkoff Odnoklassniki and the World of Books gold credit card. The first credit card issued in 2007 was the Tinkoff Platinum card. Reviews show that its main advantage is a fairly large credit limit and 24.9% per annum, which is much less than in other banks. This rate applies to all cashless purchases. The validity period of the card is 3 years, then it is renewed, since the loan term is not limited.
Reviews about the Tinkoff card show that almost all of their holders are satisfied with this banking product. It is an indispensable assistant in the event of financial difficulties. Plus, fast registration, which does not require confirmation of income information with a certificate.
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