Credit cards "Home Credit" - customer reviews

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

Everyone in life has moments when several thousand rubles are not enough to buy household appliances or a mobile phone, and there are still a few days before the salary. An excellent way out of this situation can be a Home Credit credit card. The conditions for using this option are so simple and convenient that it is becoming more and more popular among the population of the Russian Federation.

The interest rate on this type of loans is always quite high. In Home Credit Bank, such a service is provided at 24.9-44.9 percent per annum, but remains the most popular among consumers. This situation has developed due to the grace period - the time when the borrower can use the financial resources of the financial institution for free. Credit cards "Home Credit", reviews of which allow you to add diametrically opposed opinions, provide a service of using0% loan within 51 days from the last reporting period. During this period, the user can return the borrowed money and not pay a penny more.

Home Credit credit cards, reviews of which can be easily found, provide a revolving line of credit - this means that, once received a credit card, the borrower can receive funds at any time when he has no debt. Thus, having paid off the current loan, you can immediately take a new one. However, it is necessary to understand exactly when the grace period began. Many mistakenly believe that it starts from the moment they receive the money, and therefore then they are forced to pay a huge, by the standards of consumer lending, interest rate.

Home Credit Bank - credit card, registration and use

Consumer lending is the main direction of the financial institution, which stimulates the development of plastic cards. Today, you can get a credit card from a bank within an hour by writing an application form and presenting your passport. After checking whether the borrower has debts, the bank gives either a positive answer to the issuance of a card, or a negative one.

In the absence of free time, you can apply for Home Credit credit cards, reviews of which are available on many specialized resources, online. To do this, you need to go to the official page of the bank and fill out the appropriate application form. It should include a contact phone number anda list of documents that the borrower is ready to provide to the bank. Notification of the bank's decision will come within half an hour to an hour. The manager of the credit department of the bank will call the specified phone number and inform about the decision made. After that, the client will have to come to the nearest branch of the financial institution and collect their credit card.

Credit cards "Home Credit", reviews of experts about which, however, are ambiguous, today are one of the most convenient means of cashless payments. In addition, the bank cooperates with a huge number of different chain stores, which allows its customers not only to save on purchases, but also to receive some of the funds spent back to their account.