"Alfa-Bank": credit cards, reviews, comments

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

If you have already had the practice of receiving wages on the card, then Alfa-Bank credit card is for you. Customer reviews indicate that with the experience of using a debit card, “addiction” to a convenient credit banking product passes faster. It makes sense to take such a step, for example, to make a large family purchase. You do not need to accumulate salary for a long time, accumulating the required amount on a debit salary card. Internet service "Alfa-Bank" is at your service. To do this, you need to use the menu: Alfa-Bank products / Credit cards. Feedback from bank customers speaks about the convenience of the service. In addition, with the help of this tool, you have the opportunity to borrow money from the bank not in advance, paying for "unproductive" days, but immediately before the acquisition. If you paid not with cash withdrawn from the card at an ATM, but through acquiring, then you acted doubly reasonable, saving on the bank commission for withdrawing funds from the card account.

Another choice factor is a developedcorporate ATM infrastructure servicing Alfa-Bank credit cards. Customer reviews will also convince you of its reliability. From the experience of receiving a salary, standard card details are already old acquaintances: a 16-digit card number, a 10-digit card account number. But, as you understand, a credit line will be additionally attached to the new credit card.

When you come to the bank, you will certainly have to spend some time on registration. At the same time, you should have with you not only your passport with an identification number, but also evidence of the dynamics of your income - a tax certificate 2-NDFL. If the loan amount is significant, then a certificate for a car, a foreign passport (if you have traveled abroad in the past 12 months), and a voluntary insurance policy will help reduce the bank interest. The department you applied to draws up a special package of documents - a loan application. After filling it out, it will be necessary to wait for the consideration of the credit committee in order to receive credit cards from Alfa-Bank in case of a positive result. The reviews indicate that, in the practice generally accepted by domestic banks, the approval of loan applications by Alfa-Bank is quite prompt.

Determine in which currency the loan will be beneficial for you. If for purchases on the domestic market - in rubles, when traveling to Europe - in euros, but if dollar payments prevail in the host country, then in dollars. Although, in principle, the cards are universal, but, as you understand, buying in a domestic storeon a dollar credit card will entail an additional conversion fee, which can be avoided by initially opening the card in rubles.

It makes sense to consult with branch staff about optimal cash withdrawal limits, especially if you need this credit card for transactions abroad. Alfa-Bank assumes moderate interest, you should not worry about this. The lending limit for individuals ranges from 10.8 to 450 thousand rubles. The range of interest rates for ruble lending is 17, 99/28, 99, for foreign currency - 15, 99/26, 99. The period for withdrawing money from a credit card without accruing interest on them (grace period) is 60 days. But in the case of promotions, it increases to 100 days! That is, during this period, the borrower should pay with the Bank.

What kind of credit cards to choose from Alfa-Bank? It makes no sense to look at reviews, everything is standard. There is a choice between Visa, MasterCard, MasterCard PayPass, Visa PayWave. The bottom line is that with all the above “classic” options, the lending limit is 150 thousand rubles, 5 thousand US dollars, 3.8 thousand euros.

If your income falls under the category of "gold" credit cards, then you can choose in the "premium class". At your service are cards of the GOLD category, which open up special club benefits and services in hotels when traveling. In this case, the credit limits will amount to 300 thousand rubles, 10 thousand US dollars, 7.6 thousand euros, respectively. For business trips abroad by we althy citizens who value comfort andquality service, PLATINUM cards are best suited. Lending for this class of cards involves credit lines: 750 thousand rubles, 25 thousand US dollars, 19 thousand euros.

The term agreed by the bank for consideration of your loan application is 1-5 days. Good luck!