Reviews about "Post Bank" on loans and credit cards

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

"Post Bank" has been operating in our country not so long ago, but it is already quite popular. The creation of such a banking institution is a new milestone in the development of banking services in the Russian market. The integration of banking elements into the postal infrastructure creates opportunities for the use of financial services for all citizens of our large country, even residents of the most remote regions. The organization is trying to make the most of the opportunities provided by the shareholders - Russian Post and VTB Bank. We will look at Post Bank customer reviews on loans and other products, and also find out what interesting and profitable offers it has in its arsenal.

A little more about the bank

The main distinguishing feature of this bank is the ability to send cards using Russian Post. There are post offices in every region, soAnyone can get a card. Among the banking products of this organization there are debit cards, as well as deposits and loans of various kinds. Loan reviews at Post Bank Russia are of interest to many.

Credit cards: conditions for obtaining and reviews

Now the presented bank offers several types of credit cards. The conditions for receiving are very loyal.

Among the bank's offers, the most popular are:

• "Green World". The card was issued jointly with Passion Fruit Global. This organization helps to restore forests in the territory of the Russian Federation. All funds received as income from these credit cards are transferred to these purposes. The use of the card is possible subject to the following conditions: payment by bank transfer without commission, there is a full package of bonuses and privileges from VisaPremium, the percentage is -19.9% per year, the interest-free period is 60 days, the maximum amount is 500,000 rubles, when spending each third thousand rubles bank specialists promise to plant one tree. There are other cards as well. More on that later.
• "Item 120". To apply for this card, you must submit an online application. The maximum possible amount to provide is 300 thousand rubles, the availability of a discount program and insurance, the possibility of providing assistance outside the Russian Federation, the duration of the grace period is 120 days, the monthly payment is 5% of the debt amount, the interest rate is about 27%. What other products are available at the bank?
• "Postal express". This card does not charge interest. A very fast decision to issue a credit card - literally five minutes. The client can choose one of three limit options: 15, 10 and 5 thousand rubles; the card is serviced free of charge. The offer is formed for everyday non-cash spending.

How to top up a credit account?

Replenishment of the account is carried out using a money transfer or auto-repayment from a debit card (a commission fee of 1.9% is charged, but not less than 29 rubles), deposit through a cash desk at a bank office or an ATM. Closing a credit card is carried out only at the bank's office. Age restrictions are standard for these proposals: from 21 to 65 years old for the male half of humanity and from 18 to 70 years old for women. In addition, you need to have Russian citizenship, as well as permanent registration in the region where the credit card was received.

Benefits from using credit cards

According to reviews of Post Bank on loans and other banking products, the presence of credit cards is also beneficial because in many partner stores of the bank you will be offered various discounts and bonuses. According to many people, these banking products can be used during the grace period. If you follow this rule, then the use of cards is beneficial and brings only positive emotions. The advantages of users also include the ability to order a card while at home, at a personal computer, through an online application, and the finished card will be sent to you by mailto your home address. In addition, a service that allows you to change the redemption date is especially popular among cardholders. At the same time, no pen alties are charged, users say that in certain circumstances this is a very convenient service.

But still, most customers are especially pleased with the long grace period (perhaps, in this regard, this is the best offer at the moment among credit cards), which is 120 days. That is, you use a card, pay for purchases, you can withdraw cash, and do not pay interest on using bank funds for three months.

Lending programs: conditions and customer reviews

Today, Post Bank has several lending programs with different interest rates. Conditions, according to customer reviews for loans at Post Bank, on which loans are provided, may vary depending on the individual circumstances of the client. The interest rate is set in the range from 19.9% to 34.5% per year. We will briefly talk about cash loans and lending conditions at Post Bank from reviews and other available information.

Credit "Preferential"

This is a consumer loan that does not require collateral or guarantors. Confirmation of income is possible without providing a certificate from the place of work, but in this case the percentage will be higher (29.6% per year, and with a certificate of 2 personal income tax - 19.9%). The loan term is from 12 to 36 months. The amount provided in this case isup to 150,000 rubles.

"Loan Preferential Special" - this is an offer for regular customers of the bank who have deposits or accounts in it. The term for the provision of funds is up to 36 months, and the amount is up to 150,000 rubles. In this case proof of income is not required. The interest rate is favorable and ranges from 16.9 to 24.9% per year. Upon presentation of a certificate confirming income, the bank client receives money at a minimum percentage. Reviews of Post Bank on loans from people who were issued under this offer say that when providing documents confirming income, it is quite easy to get a loan. Otherwise, the rate is very high and borrowing is expensive.

Business Post Credit

According to the testimonies of clients, this offer is interesting because, by connecting the "Guaranteed rate" option, you can recalculate interest at the minimum rate and return part of the funds paid on the loan. This lending option is available only to customers, based on feedback on Post Bank loans and information on the site. The maximum possible amount to provide is 1,000,000 rubles. Loans are available for up to five years. Interest rate from 19.9% to 29.5% per year. Program

"Just a loan." The issuance is carried out without collateral, guarantors and income statements, but at the same time a very high interest rate - 34.5% per year, and a very short term - only 12 months.

Postal Credit

Interest rate can range from 24% to 34%. Standard set requireddocuments: passport, certificate of income. In the event that the borrower does not allow delays and repays the loan on time, the bank returns part of the funds by recalculating interest. In order to reduce the loan rate, you need to provide more documents, the maximum possible amount is 300,000 rubles, for a period of 1 to 5 years.

Loan "First postal". According to borrowers, this is the most popular type of loan among other bank products.

It is issued for any purpose, requirements for applicants and a set of documents are standard. For registration, certificates, collateral and guarantors are not needed - this is also noted by clients as a plus. Interest rate - from 19.9% to 29.5% per annum. In order to reduce the overpayment, you can connect the option "Guaranteed rate". The maximum possible loan amount is 1,000,000 rubles.

I must say that the "Guaranteed Rate" option is popular among customers, according to reviews of Post Bank on loans. It does not apply to short-term loan programs. Clients note that if they fulfill their obligations in good faith and avoid delays, this option is very beneficial. Although it is paid (3% of the loan amount), but in the end it turns out to be beneficial to the client. Activation of this service is possible only with a loan of 1 year. The interest is recalculated up to 16.9% per year, and the difference is credited to the client's card. Reviews about Post Bank on loans to individuals and other informative sources provide even more detailedinformation.

In conclusion

In most cases, the clients of the organization are satisfied with the work of the financial institution. This is confirmed by reviews about the conditions of a cash loan at Post Bank and about credit cards. Although late payments increase costs and damage the reputation of the borrower. But there is one nice moment. There are also reviews on this. In Post Bank, a loan is provided to pensioners from 12% per annum.