B altic Bank credit card: terms of registration and use

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

Opening a credit line for many borrowers is a responsible and serious matter. As they say, you borrow money from the bank, and you pay back your own with interest. Therefore, it is important that the advantageous conditions and transparency of the debt agreement be a priority for the financial institution in which the future cardholder opens a credit account.

Today, the number of financial institutions offering to issue a convenient tool for obtaining loans, namely a credit card, is sufficient. B altic Bank is no exception. This financial institution is part of the banking group of one of the leading institutions in this market - Alfa-Bank. And for many, this is a weighty argument.

A B altic Bank credit card can be issued by any citizen of the Russian Federation. And it is not necessary that the bank's office be located in the city of the borrower, everything can be done via the Internet. And get the contract through a representative or by mail. Of course, it is more reliable if the future borrower personally arrives at the bank branch and opens a credit line withoutintermediaries. Fast registration and high-quality service will make it easy to purchase an additional payment instrument for using borrowed funds on favorable terms.

Terms of registration and use

Despite the fact that any client can apply for a B altic Bank credit card, the best service conditions are available only for the category of payroll projects. That is, for customers whose organizations are served by this company. The lowest card rate is at least 26%. The organization has formed the following terms of use:

1. No need to change the card within four years of issue.
2. The period for making the next payment is a week.
3. The limit does not exceed 400,000 rubles.
4. When making any settlement transactions using the card, each client receives notifications from the bank and is informed about the available balance of funds.
5. Convenient work with a virtual personal account.

Before you start using the card, you need to clarify one important point. First of all, the client must necessarily have an open current account. Depending on how the future borrower uses his account, there are two categories of cards:

1. Affiliate. For those who have a deposit opened in the bank.
2. Personal. This product is only available for payroll customers.

But as for the terms of service, they do not differ from each other. Bothproducts are pre-approved, so before starting the release, the bank will check the information for its authenticity for each questionnaire received.

You can make a transfer to a B altic Bank card through any ATM, or from a payment instrument of another company. The amount of the payment that will need to be paid each month is 5% of the total debt plus the interest rate. The conditions are relevant only for those cards where the total payments are more than 3,000 rubles. In the event that the client delays the payment, pen alties begin to apply.

Grace periods and limits

Surely every client has heard that credit card holders are given a grace period during which additional interest is not charged on the principal amount of the debt. The bank provides a maximum of a week to pay the debt, and the available limit is 400,000 rubles. However, it is important to understand that the amount under this limit may vary, depending on the individual consideration of the application of each candidate.

How to make a transfer to the card

Each credit card holder has the opportunity to register a personal account on the official website. By entering data, it is possible to transfer to a card of any bank in a matter of minutes. It is only necessary to indicate the card number of another holder and confirm the operation via SMS.

How to check card balance?

There are three ways you can check your credit card balance:

1. Via ATM.
2. Via SMS requests.
3. Through a personal account on the site, or download a client application through which you can work with a credit account on a computer.

To find out the available limit amount on a credit card, you need to write the following request form in an SMS message: balance - ID (card identifier, which comes in an SMS message upon activation). However, in order to use this service, it must first be activated at any branch of the bank. Dial 9210000921 (+7) and then follow the system's automatic prompts.

How to close a B altic Bank card?

Many clients make one serious mistake - they liquidate the payment instrument on their own. But even if the card was not used, but at the same time it was activated, closing is possible only through contacting the bank. The payment instrument is tied to a credit account. Therefore, to close the card, you must follow the instructions:

1. Call the bank and find out what amount is owed.
2. Repay card debt.
3. Arrive at the bank branch with a passport and write an application for blocking the card.
4. Wait for a message or other notification that the service has been completed.

As a rule, it takes several working days to close a credit account of a B altic Bank bank card. After the specified periodyou should come to the bank again and get a certificate of closing the account and the absence of claims from the financial institution.

Conclusion

Judging by the positive reviews, the B altic Bank credit card has a number of advantages:

1. Everything is transparent, without pitfalls.
2. There is no need to collect a numerous package of documents to apply for one, especially if the client is a salary card holder.
3. There is a personal online account and SMS notification, this is a convenient and quick way to check the balance of the card from the B altic Bank and perform other operations.
4. Convenient and profitable payment instrument.

However, it is important to understand that a B altic Bank credit card is a debt obligation that must be fulfilled on time.