2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16
In the article, we will consider how to issue a Post Bank card.
A popular banking organization originates from the time of the existence of PJSC "Leto Bank", which at one time distinguished itself by the development, implementation and active use of modern technologies for consumer lending without using a cash register. It also included the Summer-Money branch.
Working with clients in this way can be done remotely, which has been taken up by numerous microfinance institutions. The company was part of the VTB Group, which provided significant financial support and the possibility of mutually beneficial use of resources.
The advantages of using debit and credit cards as a tool for paying for services and goods are obvious, ranging from the convenience of cashless settlements, using terminals in retail self-service points and organizations, ending withvarious discounts on various affiliate programs and cashback from the bank.
Many are wondering where to get a Post Bank card.
Grace period
Demanded service today are bank cards with a grace period. You can easily apply for such a loan at the Russian Post office. Interest and conditions can be selected independently. Credit cards received at Post Bank branches may be interest-free with an extended period. You can order such a card from an employee of this bank online, using the Internet and it is not difficult to issue a Post Bank card.
Credit cards
The credit card conditions of this bank allow you to draw up and use borrowed funds without the need to pay interest within 60 or 120 days. If funds are paid to the account within the prescribed period, then the loan for the client will be absolutely free, not counting the maintenance of the card itself. If the grace period is not enough to pay off the debt, you can make the minimum monthly payments.
It is possible to issue a Post Bank credit card from the age of 21. To do this, you need to come to the office or send an application online. In this case, you will need to confirm employment. The application is considered very quickly, without providing various unnecessary information.
Postal Express
This credit card has an easy credit limit. It can be issued by choosing the largest amount of money5, 10 or 15 thousand rubles. At the same time, it must be remembered that the size of the commission for not repaying the debt on time depends on the credit limit.
All cards issued by Post Bank, including the Express card, are supported by 3-D Secure security technology, have a special chip and magnetic tape. You can withdraw funds from your account at any VTB ATM without paying interest. You can use SMS informing in the first two months after opening such a card absolutely free of charge. In the future, the payment will be 49 rubles per month.
The conditions for the use of Express cards determine that a one-time spending on such a card is available in the amount of 5,000 rubles. In a month, its size increases to 30,000 rubles. You can store personal money on it, interest is not charged on their balance. A fee of 300 rubles is charged for withdrawing cash from an ATM.
Next, we will tell you how to apply for a Post Bank credit card for 120 days.
Item 120
This is one of the few offers with a long grace period (120 days). Such a service is quite practical, since all borrowers receive a monthly income and manage to deposit funds into the account on time.
It is possible to issue such a card if you provide the necessary information about the organization in which the client works. The Express 120 card is issued without providing income statements. You can receive an amount from 10 to 500 thousand rubles. Interest rates in cases of non-payment of debt in a preferentialperiod are equal to 27.9% per annum. On the card account, in addition to borrowed money, you can store your own money, however, interest is not charged on the balance. SMS informing will cost 588 rubles a year.
In order to apply for a Post Bank card, the age of a male borrower must be at least 21 years old and not more than 65 years old. For women, this figure is somewhat different - from 18 to 70 years. It is important that the applicant has a good credit history, otherwise this financial institution may refuse to provide a loan.
If there are no loan debts, the annual service is 900 rubles for the first 2 years. In addition, a commission is charged for withdrawing funds from a plastic card and amounts to 5.9% of the total amount (at least 300 rubles).
If the client wants to change the PIN code, then a commission is also provided for this, which is 30 rubles. Credit cards issued in this organization have a special option. For example, each client can set a convenient date for making payments, the commission for such a service is 300 rubles.
Green World Map
This Post Bank product is specially designed for customers who would like to not only pay for purchases with a credit card, but also participate in various charity programs. The peculiarity of lending on the Green Card is that for every 3,000 rubles spent from it during the month, a financial institution pays for planting one tree.
Thisa banking product can be issued on general terms, to all employed citizens of Russia over the age of 21. You can order a Green World card at any branch of this bank.
You can also apply for a Post Bank card remotely.
The rate on loans varies between 19.8-29.8% per annum. Interest is charged every month in case of non-payment of the debt for the grace period. The minimum payment amount should be 5% of the total debt on a monthly basis. The loan limit is up to 500,000 rubles. Time for free use of borrowed funds is 60 days.
An application to Post Bank for this credit card can be considered if the applicant has a good credit history, registration at the place of applying for a loan and official work. The plastic is made in an attractive design, has a chip, a magnetic tape and a security system for online purchases.
It's easy to issue a Post Bank debit card.
Debit cards
Debit cards are a relatively new economic product that opens up many additional opportunities for customers. The card is presented in two varieties: classic, which has a physical medium, and virtual, which is issued without a visit to a bank branch, through an online application. Each of them has different terms and conditions. For example, the "Green" card helps not only to withdraw cash and pay for purchases, but also to green the planet. Interest on cash withdrawals andreplenishment of the account is not provided.
Green World and the virtual map are very easy and convenient to use. The requirements and conditions for them are minimal.
Virtual card
This card is an excellent tool for making various transactions related to purchases on the Internet. The presence of additional insurance greatly distinguishes it from analogues. There is no accrual of interest when replenishing an account.
Virtual card is not physically issued, only its number is issued. In this case, the procedure for obtaining it by the client can be carried out without a visit to the bank. A virtual debit card helps to make any purchases without waiting for a salary. The conditions for its use are practically the same as for ordinary credit cards.
Benefits
The virtual card has the following benefits:
- safe payment for services and goods on the Internet;
- Instant issuance with no fees;
- the procedure is carried out without visiting the bank;
- no interest charged on deposits.
Where you can get a Post Bank card, it is important to find out in advance.
Virtual card will be available after registration on the official website. For active users, a special bonus program is provided. With regular payments via the Internet for a sum of money from 8,000 rubles, a package of privileges is automatically connected to the client, which helps the client protect himself from poor-quality purchases and difficulties,occurring in the process.
We looked at how to issue a Post Bank card.
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