Credit card "Tinkoff": reviews and characteristics

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

First, consider the official proposals of the bank. Namely, let's figure out how the bank itself characterizes the Tinkoff credit card. The reviews that have been left about her, perhaps, are ambivalent. But more on that later.

So what is the bank "Tinkoff Credit Systems"? It was founded by Oleg Tinkov, and it happened in 2006. The bank has no offices, branches or points of sale. Credit cards are issued remotely. In other words, you communicate with bank employees via a free telephone line or using the Internet.

The bank has a complete set of remote control: "Internet Bank" and "Mobile Bank". Using them, you can receive information about the status of your account, track the history of transactions, make transfers, payments, and much more.

All contracts and credit cards are delivered to you by courier or Russian post. For registration, you only need one document - your passport. Income statements are not required. This is confirmed by reviews of the Tinkoff credit card.

Account statements are provided. They are sent bye-mail or Russian post. Give preference to the second option, it is more reliable.

There are four loan offers. The first of them is Platinum, a Tinkoff credit card. Reviews say that this is the most popular offer. Its limit is 300 thousand rubles. 55 days are given to defer interest payments - but only if you make purchases on the card itself, without withdrawing cash. Pay attention to this.

The second offer is the All Airlines card. The same interest-free period is given here. With this card you can insure your trip free of charge. But you need to pay about two thousand rubles for its maintenance.

The third offer is World of the Book, Tinkoff's gold credit card. Reviews about her are not so common. It is connected with the World of Books website. For the first order, a discount of 300 rubles is given and a permanent 10% discount when making purchases in the World of Books store. The maximum limit is 300 thousand rubles.

And the last offer - Odnoklassniki Tinkoff Credit Card, reviews of which can be found on the popular Odnoklassniki website. It is with him that this card is associated. It has an individual design, and when it is used, OK-i (the monetary unit of Odnoklassniki) accumulate.

You may have already noticed that the interest rate is not indicated anywhere. The fact is that it and the size of the initial limit are determined individually for each client. How does it happen?

You fill out a questionnaire. In it, you indicate yourage, income, etc. The bank considers this data and your credit history. It is taken from the total base for all your past loans. It is on these grounds that the interest rate and tariff plan are calculated.

Let's turn to the reviews. If you urgently need a large amount of money, then you may be disappointed with the Tinkoff credit card. Feedback about this filled all thematic forums.

What's going on? For example, you applied for 100 thousand rubles, but in the end you receive a card with an initial limit of 10 thousand. And there's nothing you can do about it, the bank has such a policy.

A small limit is given, the bank watches how you work with the card, and only then begins to increase your limit and offer more favorable conditions. There are many dissatisfied people about this. There is only one way out. If you are not sure about your credit history, and your income is not so high, but you need a large amount, then it is better to contact another bank.

Indicating false information does not make sense. The bank will carefully check them. Calls are made in several directions. First of all, a call will be made to the accounting department at the place of your employment. And do not forget that it is more profitable to pay with the card itself. Cash withdrawals will incur a fee.