Alfa-Bank loan: customer reviews, recommendations, conditions for obtaining and interest rate

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

A plastic credit card is a convenient financial instrument with which the owner pays for various goods and services. Having issued a credit card at Alfa-Bank, according to reviews, you can pay the debt on favorable terms. You can close a credit card in full or in part. Today, bank customers can choose the most suitable solution for themselves from a wide range of offers.

Principle of using a credit card

Today, many people borrow money from banking organizations. Some of the borrowers get into unpleasant situations due to their own ignorance and ignorance about elementary things. For the most effective use of a credit card, it is important to understand what the principle of operation of this financial instrument is.

The client applies for a credit card at Alfa-Bank. After the approval of the loan, it is necessary to sign the appropriate agreement - from thisdays the fiscal year begins. From the moment the first purchase is made on the card, the borrower is charged interest on the use of funds, which must be repaid along with the loan body and the card maintenance fee. If payments are not made on time, the loan funds are debited and the debt to the bank increases.

Regardless of the selected lending program, throughout this period, the client will be charged a monthly bank commission for servicing the card. This amount is insignificant, but still it must be taken into account.

Borrow money without interest

According to reviews, a credit card from Alfa-Bank "100 days without%" is the most popular program among the company's customers. Types of credit cards are determined by the size of the issued cash limit. The card can be of three types:

• Classic (limit 300 thousand rubles).
• Gold (limit 500 thousand rubles).
• Platinum (1 million rubles).

A feature of this loan program is to provide the client with the opportunity to repay the debt without interest. When issuing a card, you can choose one of the payment systems Visa and MasterCard. All credit cards from Alfa-Bank are equipped with carriers for contactless payments.

What's the catch

Wishing to issue a credit card "100 days" in Alfa-Bank, according to reviews, you need to carefully weigh all the pros and cons of such a transaction. A bank card with credit money is not just a plastic wallet that is always convenient to carry with you.and spend it on whatever you want. Providing a loan is a service of a financial institution, the use of which implies the imposition of certain obligations on the client. Not all Alfa-Bank credit card holders, according to reviews, cope with the burdens placed on them.

Only a responsible and disciplined person can use a credit card profitably. These qualities, without which it will not be possible to effectively manage the borrowed money, should be possessed by every client who is ready to sign an agreement. But in practice things are somewhat different.

Few people think why banks are so willing to provide people with favorable conditions and give a delay, allowing them not to pay interest. In fact, Alfa-Bank thinks about the well-being and financial benefits of its customers in the very last place. No matter how strange it may sound, but, in fact, financial institutions earn on the inability of citizens to rationally spend their money, which often leads to the inability to pay off existing debts in a short period of time. As a result, the borrower has to pay not only high interest for the use of credit funds, but also pen alty amounts.

Loan terms

Thus, when applying for an Alfa-Bank credit card “100 days without%”, most customers expect to be able to repay the debt before the grace period expires. To use other people's money for free, you just need to pay off the debt within the established hundred days. In general, the algorithm looks like this:

• The borrower issuescard.
• After the first withdrawal from the Alfa-Bank credit card, a grace period of 100 days begins to operate.
• Before the interest-free period expires, the cardholder must make monthly payments in the amount of at least 5% of the debt amount and pay a fee for using a credit card.
• Before the grace period ends, the borrower must pay the remaining amount of the debt. Otherwise, interest will begin to accrue.

The client is released from paying interest only if he manages to return the funds spent within 100 days. The condition of Alfa-Bank on a credit card is also beneficial because the grace period is valid not only when paying for goods or services, but also when withdrawing cash. Moreover, during the grace period, the cardholder can perform other operations, however, the countdown will start from the moment the card is activated.

After the entire missing amount is returned, interest-free conditions are returned again and will be valid for the next 100 days from the date of the first card transaction. If, at the end of the grace period, only part of the debt is returned, the bank will begin to accrue interest on the balance of the debt.

Minimum payment amount

Convenient conditions for Alfa-Bank credit cards are noted in the reviews by almost all users who have had a chance to issue this banking product. Positive feedback also concerns the minimum payment, which acts as a guarantee of the solvency of customers. Every month, until the end of the interest-free period, it is necessary to deposit at least 5% of the debt amount, but not less than 300 rubles, into the account. Thus, by the time of repayment, the debt will be reduced by 15%. As soon as the remaining 85% of the loan body is paid, the borrower will again be given a grace period.

You can find out about the amount spent, the balance on the balance sheet and the recommended date for making a payment through an ATM, requesting an extract, or at a bank branch. You can also get this service through a mobile application or in your personal account on the official website. Clients who have an SMS notification connected receive a reminder from the bank about upcoming card top-ups.

Make a monthly payment, even if it's minimal, is very important. With the regular receipt of the required amount, the solvency of the client is confirmed. In case of delay, the bank may terminate the grace period on the card, which means that interest will begin to accrue on the entire outstanding amount.

Judging by the reviews, the Alfa-Bank credit card is chosen not only because of the ability to make non-cash transactions, but also to withdraw money from an ATM. If you do this during the grace period, then you will not have to pay interest on the use of credit funds. The only thing worth noting is the limit. You cannot withdraw more than 50 thousand rubles from an Alfa-Bank credit card. per month. In case of exceeding the limits, a commission in the amount of 3.9 to 5.9% is charged from the issued amount. Moreover, the commission is charged not for the entire amount, but only for the part that exceeds 50 thousand rubles.

How to get a credit card

To order a card, you need to perform three simple steps:

• fill out an application on the Alfa-Bank website;
• wait for the decision to issue the card;
• provide the bank branch specialists with the documents specified when filling out the questionnaire.

This financial institution has very standard requirements for potential borrowers. Only adult citizens of the Russian Federation who have a regular monthly income of at least the subsistence level after taxes and mandatory insurance premiums can apply for an Alfa-Bank credit card under the conditions described above. For each region, this figure can vary significantly. For example, for Moscow the cost of living is 16,463 rubles, and for Belgorod - 8,281 rubles. Be sure to include contact information, including home and work phone numbers, place of registration and actual address. Directly to receive a credit card from Alfa-Bank, a passport and any of the following documents are required:

• driver's license;
• SNILS;
• TIN;
• any bank card.

In addition, it is recommended to provide documents that are not mandatory, but increase the chances of loan approval:

• CTC vehicle not older than 4 years;
• passport containing information about trips abroad;
• voluntary he alth insurance policy;
• CASCO;
• statement of the balance of deposit funds.

Givinga certificate of income in the form of 2-NDFL or a bank form, the client not only increases the likelihood of loan approval, but also provides himself with a lower interest rate on the loan.

Using the card will only be truly profitable if the borrower can meet the 100-day deadline and does not have to pay interest charged on the funds used. Ideally, for an Alfa-Bank credit card “100 days without%”, customers have to overpay no more than three hundred rubles (about 100 rubles are charged for servicing the card monthly). In the future, it all depends on whether the borrower will have time to return the amount borrowed from the bank on time. Otherwise, in the first month after the grace period, the client will have to pay a tidy sum for accrued interest and a late fee.

How to close a debt

You can pay off your Alfa-Bank credit card in any of the following ways:

• cash through ATMs and terminals of the company or at the cash desks of partner banks, which do not charge a commission for the service (the list of partner banks is available on the official website);
• online transfer through the Alfa-Mobile mobile application or the Alfa-Click Internet bank (you can use them to make dozens of other financial transactions);
• SMS transfer to a credit card number;
• electronic money systems WebMoney, "Yandex. Money", Qiwi.

The last three options will be especially useful if the client does not have the opportunity to get to the bank, and payment is requiredproduce urgently. In this case, remote payment methods will help to save the situation. The most convenient option is payments via the Internet, because in this case the borrower does not need to go anywhere, you can pay at any convenient time, regardless of the time of day. In addition, understanding the operation of virtual services is not as difficult as it might seem at first glance. All that is required is to study the special instructions. If you follow it, you can make a payment without any problems.

What threatens the delay

If the loan payment was not made on time or the missing amount was paid, the client will be charged a commission for violation of the terms of the agreement. An overdue payment is the basis for the imposition of pen alties by the bank in the amount of 1% of the total debt for each day of delay. Moreover, debt repayment is allowed on any day. If you deposit the amount through the application or transfer from another card, you can do this even on a weekend. Accrual of pen alty interest is calculated on the amount of debt and the number of days of delay.

Loan programs of the line "100 days without%"

Regardless of the chosen tariff, card issuance is free of charge, and there is no commission for cash withdrawal. The same is the rate at which interest will be charged in case of non-payment of the debt on time. It is from 23.99%.

There are three loan programs whose participants can use the grace period and not pay for 100 daysloan interest:

• Classic (limit 300 thousand rubles) - the cost of annual card maintenance is 1190 rubles.
• Gold (limit 500 thousand rubles) - the price of annual maintenance is set at 2990 rubles.
• Platinum (1 million rubles) – for servicing the card for 12 months, a fee of at least 5490 rubles is charged.

According to reviews, the conditions of Alfa-Bank credit cards "100 days without%" are the same. The main difference is the size of the credit limit and the cost of the annual service fee. Moreover, it is impossible to say exactly what interest rate will be offered to the client. For each potential borrower, it is calculated individually. To make it minimal, you need to confirm your ability to pay and provide as many documents as possible. In this case, the bank will be able to offer the most favorable loan terms.

What determines the credit limit

This value is set personally for each client. The maximum loan amount can be 1 million rubles. When deciding on the approval of the application and considering the amount of the loan, the bank is guided by:

• client's credit history;
• the availability of documents provided for issuing a card;
• frequency of credit card transactions (if the applicant already owns it);
• payment schedule (whether it was observed by the cardholder before);
• timeliness. debt repayment.

Assigning a maximum credit limit does not mean at all that the client must makepurchase or cash out the entire available amount assigned by the bank.

Reviews about Alfa-Bank credit cards

All products of the "100 days without%" line seem very attractive to the population. But if we turn to the reviews of those who already had experience in using Alfa-Bank credit cards, we can highlight not only the positive aspects. But still, let's start with the benefits.

People make a choice in favor of this bank because of the provision of a long period of preferential lending. After all, 100 days is a little more than three months. This time is enough to spend other people's money and not pay for it. Another issue is the return of the borrowed amount. After all, before the expiration of the grace period, you need to return the entire amount, otherwise interest will begin to accrue. Many people have serious difficulties with this.

Another advantage, according to users, is the ability to withdraw cash from the card at ATMs. Alfa-Bank has set a fairly large limit for the monthly withdrawal of credit funds without commission - 50 thousand rubles. Customers also like the fact that you can get an Alfa-Bank credit card in 10 minutes, but in this case we are talking directly about issuing a finished card. To get it, you need to submit an online application a few days in advance. If you believe the reviews, the approval of an Alfa-Bank credit card usually takes a few minutes. All that remains is to pick up the finished card at the nearest Alfa-Bank branch at any convenient time.

By the way, in case of anyor problems with a plastic card, the client does not need to come to the bank. Operators resolve all issues over the phone. All you need to do is to name a code word that is known only to the credit card holder.

Speaking about the shortcomings of Alfa-Bank lending, it is worth noting the expensive annual service and the high interest rate that borrowers have to pay for using credit funds. Judging by the reviews, the interest on the Alfa-Bank credit card “100 days without%” is often the main obstacle to contacting this company. Today you can find more affordable options.

Often, the client expresses dissatisfaction due to the lack of all the necessary information on the official website. In particular, there is no information on pen alties for late payments. For many, this is a big disadvantage, as people do not want to buy a pig in a poke. No valuable information, except for standard advertising promises, can be found on the site.

Borrowers are also unpleasantly surprised by the absence of cashback bonus programs that operate in the loan programs of such banks as Tinkoff, VTB, Raiffeisenbank. In the reviews, you can find a lot of complaints about the voluntary-compulsory inclusion of insurance in the contract. You can refuse insurance, but bank employees, when issuing a “100 days without%” credit card, often try to keep silent about it, and sometimes they don’t inform the client at all that a specific amount will be debited from his account every month.

Should I get a credit card: recommendations

It is important to understand that credit and debit cardsof any Russian bank, including Alfa-Bank, these are completely different financial instruments. And although they have similar functions and have the same purpose, they are completely different products. Unlike a debit card, a credit card has a limit within which the holder has the right to spend the bank's money at his discretion. The loan should be used with a high degree of caution, subject to certain rules.

Having a credit card is sometimes a good addition to the family budget. However, not only the use of the bank's financial resources turns out to be truly profitable, it brings only joy and helps in solving pressing problems. To appreciate all the advantages of the Alfa-Bank credit program with an interest-free period, you need to know about the basic rules for using the card and avoid the most common mistakes.

• First of all, you need to try not to go beyond the grace period and avoid delays by making monthly payments regularly and without delay.
• It is also not recommended to exceed the cash withdrawal limit.
• You need to spend credit funds wisely. When applying for a loan, it is important to realize that using other people's money is one thing, and repaying a debt with your hard-earned money is quite another. Don't waste your money.
• It is best to pay off credit card debts in advance, without waiting until the deadline for paying the required amount.
• Before you sign a loan agreement, you need to carefully studythe terms of the loan agreement and make sure that the debt repayment scheme is comfortable and not burdensome.

Also, one should not forget that non-use of credit funds for a long time does not exempt from the monthly charge for servicing a credit card. The amount that is debited from the account averages 100-190 rubles, depending on the tariff. Even if the client does not use the loan, he will still have to pay a commission. If you do not pay it on time, fines will begin to accrue. In addition, the bank sometimes itself offers to increase the credit limit, but before agreeing to such a tempting offer, you need to thoroughly weigh the pros and cons and evaluate your financial capabilities.

There are no special difficulties, as it is easy to see. By following these simple recommendations, you will be able to manage money without interest for several months. Offers from Alfa-Bank are of interest to many people, so they really deserve attention.