2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16
Now many banking institutions offer their customers to issue a card. Each program has its own offers. According to reviews, the Element 120 credit card from Post Bank is in demand among users due to its main advantage - a long grace period. Read more about it in the article.
About the bank
"Post Bank" was created with state participation in 2016 with the help of VTB and Russian Post on the basis of PJSC "Leto Bank". For a short period of work, the institution has become in demand. The bank operates in the branches of the former Leto-Bank and Russian Post.
People can meet customer centers, sales counters, POS points, partner banks. The Bank provides consumer loans, general purpose cash loans, loans for education. Credit and debit cards are issued. Clients can make deposits.
General information
Among users, the Element 120 credit card from Post Bank has become in demand. User reviews show that customers value the program for its benefits. It provides 120 days of grace period. But this rule does not apply to cash. It turns out that immediately after the withdrawal, interest will be charged. The credit card is universal, in addition to the usual options, the Online Buyer service is available.
After connecting the service, users can make their online purchases with some advantages: get the difference in cost if the product they bought is cheaper in another store. Customers can repair goods for free and send them to stores if the option does not fit. Visa Platinum credit card purchases include 90-day purchase insurance, double product warranty, free international assistance.
Conditions
Each loan product operates according to certain rules. The conditions for the Element 120 credit card from Post Bank are as follows:
- Grace period - 120 days.
- Limit - 10-500 thousand rubles.
- The rate is 0% for the first 4 months, and 27.9% for non-payment at the end of them.
- Maintenance - 900 rubles/year.
- Action - 5 years.
- Payment per month - 5% + % commission.
The conditions for issuing the "Element 120" card are the same for everyone. Only if they comply with the financial product. Credit card for shopping in demand fromof many people. These benefits are not offered by every financial institution.
Receive
To receive plastic, you must apply for a loan at Post Bank. Customer requirements are as follows:
- Resident of the Russian Federation.
- Age - from 18 years old.
- Passport of the Russian Federation.
- Residence permit.
- SNILS.
The application usually contains personal data, contact information, income information. Based on their analysis, a decision is made to provide a card. The application for a loan at Post Bank is considered fairly quickly, after which the client is notified.
It is possible to apply for an Element 120 credit card at Post Bank in a simpler way if you apply online. To do this, you need to visit the official website of the bank, filling in personal data. The specialist will inform you about further actions.
How to pay?
According to reviews, the Element 120 credit card from Post Bank is paid on convenient terms. It is important to make payments on time to avoid delays. To understand how payment works, consider one example. If you pay by card on August 24, then the interest-free period will be valid until December 24.
But the user needs to partially (minimum 5%) pay the funds before October 24 and November 24. And with the end of the interest-free period, the amount must be paid in full, otherwise interest will be charged later.
According to reviews, on the credit card "Element 120" from"Post Bank" is convenient to pay in the following ways:
- Online payments on the site.
- Using bank branches.
- Transfer from cards of other banks.
- Via QIWI and Cyberplat.
- Thanks to payment terminals.
Depending on the chosen payment method, there may be different payment terms. Some options charge a fee. Deadlines also differ. It is more profitable to send funds through ATMs and cash desks of Post Bank.
Use
Immediately after receiving the card, you must activate it. To do this, you just need to check the balance at the ATM. After that, the product is ready for use. From the date of issue, there is a grace period that lasts 120 days.
As evidenced by the reviews, using the card is easy. It is designed to pay for goods and services. It is important to control the status of the account so that there is no delay. This is done using SMS banking and a personal account in Internet banking.
Delay
Although there is an advantage for customers - 120 days without interest, there are still other rules for using the service. In case of delay, a pen alty of 20% per annum for each day is charged. For a long period of non-payment (more than 60 days), the bank may require full payment of the debt.
When issuing a card, an additional service "Credit informing" is activated, which will not workrefuse. But you can do this after receiving the plastic. In the absence of delays, it is not required to pay, but if there are any, you need to pay:
- 1 month pass - 300 rubles.
- 2, 3, 4 months - 500 rubles each.
Before drawing up a card, it is advisable to ask about all the possible nuances. Then in the future there will be no difficulties in using.
Credit reporting
The conditions for issuing the Element 120 card require the connection of credit information. The service allows you to receive notifications about the debt and methods of its payment. It is provided no more than 4 periods of missed payment. The client needs to pay for timely information and convenient ways to settle the debt.
As you can see from the reviews, although many people like this banking product, there are also those who are dissatisfied with it. This is usually due to ignorance of the system. It is necessary to get acquainted with the conditions, requirements and nuances of plastic cards in more detail. Perhaps the benefits will make the product convenient.
Bonuses and discounts
Because the card is categorized as Platinum, it has all the benefits of Visa Premium. In this case, special conditions and discounts are provided, as well as bonuses, service class upgrades, and insurance. Privileges include:
- Free shopping insurance. All goods are insured against loss, theft, damage. The program is valid 90 days from the date of payment.
- Increased warranty. For all card purchasesguarantees are doubled. The maximum is 2 years.
- Free assistance abroad. If there are difficulties in another country with obtaining information about tax, visa, customs rules, he alth problems, the help of specialists is provided.
Such advantages allow you to make comfortable and safe purchases. But they are not available on all credit cards.
Online shopper
With this card you can connect the "Online shopper" package. Thanks to this service, Post Bank plastic will be the best for shopping. This is due to the fact that with payment in online stores, the buyer receives purchase protection, which is concluded in the following:
- Price Guarantee. If the purchased item is cheaper in another store in the Russian Federation, then the difference in cost will be refunded.
- Free repair. If the purchased product is defective, the buyer will be paid for the repair or compensate for its cost.
- Free shipping. If the item purchased is different from what was ordered, the return shipping cost will be refunded to the seller.
This service is activated by itself when purchasing goods for 7500 rubles and more. It is valid for 30 days from receipt of the goods. Clients are provided with a mobile bank and an Internet bank. The second service allows you to set 4 limits: for cash, expenses, transactions on the Internet, for transfers to cards. It is possible to prohibit the execution of procedures with othercountries. Mobile banking has a similar functionality. With it, you can pay for services, make transfers, top up your card, limits.
Thus, "Post Bank" provides profitable plastic cards. This service is completed quickly. Already after receiving the client can use the funds, evaluating the benefits of a profitable banking product.
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