Credit card of Trust Bank: reviews, terms of registration and use

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

Credit cards of Trust Bank are popular due to the simple procedure for obtaining and a wide range of functions: electronic payments, the ability to withdraw cash, replenish an account, etc. Such credit cards are available to a wide range of people. Among the bank's products, there are several offers with different tariff plans and terms of use. We will tell you in detail about this financial instrument: its pros and cons, the conditions for registration and use of this loan product.

Reviews of the Trust bank credit card are presented in this article.

Description

This credit card is issued in the Visa payment system, which occupies a leading position among modern international payment systems. Clients use the funds belonging to the bank on the terms and conditions set out in the loan agreement. The advantages of using this particular credit card include:

• Extensive range of credittools that are selected for the client depending on his income, need for funds and solvency.
• The possibility of increasing the credit limit if you have a good credit history and you are solvent, according to bank employees.
• Grace period is 55 days.
• High class card, which ensures relative safety of transactions.
• Calculation of interest on the balance of funds in the account.
• Free clearance and maintenance.

Reviews about the Trust bank credit card abound.

Credit Card Terms

The spending limit is set taking into account the solvency of the client, as well as an analysis of his credit history, income and expenses. The limit is specified in the loan agreement and is the maximum amount of funds available to the client. If an analysis of the client's history shows an excess of revenue over expenditure, no violations of payment deadlines, then the limit may increase at the request of clients. The grace period (the period of use of funds during which interest is not charged for the use of money) lasts 55 days.

Addresses of Trust Bank in Moscow:

• st. Butyrskaya, 6;
• 1st Veshnyakovskiy proezd, 1, building 8;
• 1st Bukhvostova street, 12/11, bldg. 20;
• 1st Tverskaya-Yamskaya street, 13, building 1;
• st. Avtozavodskaya, 4;
• Varshavskoye shosse, 68, bldg. 2;
• Vernadsky Avenue,d. 33;
• Komsomolsky prospect, 28;
• Kutuzovsky prospect, 30;
• Leningradskoe shosse, 13, bldg. 1;
• Lublinskaya street, 165, bldg. 24;
• 47a Miklukho-Maklay Street;
• Prospect Mira, 6;
• Myasnitskaya street, 30/1/2, building 1;
• Spartakovskaya street, 5, building 1;
• st. Khachaturian, 20.

Minimum payment

Monthly payment is 5% of the funds used. The bank provides a loan by opening a revolving credit line, that is, the client has the opportunity to use the funds immediately after making a payment to the card. Some Trust Bank credit cards work in the same way as debit cards. In addition to using the bank's funds, the client also has the option of storing money, for which the bank transfers certain interest. Closing the card can be carried out at the request of the client at any time, unless, of course, all the debt to the bank is fully repaid. To close, you need to come to the bank, write an application and hand over the card. The final settlement will be processed after 35 days from the date of expiration of the card or from the day of its early closure.

Reviews about the Trust bank credit card are of interest to many.

Opening the map

In order to order it, you can use the following methods:

• Internet and mobile banking;
• personal visit to the bank office.

If you apply online for a Trust bank credit card, you cansignificantly save your time. Such applications submitted through the website are quickly considered by the bank's specialists and, accordingly, a decision is made as soon as possible. This option is very convenient for customers who live far from the bank's office. When contacting the bank personally, the client fills out an application in writing. Upon consideration, the client will be notified of the decision of the bank by phone. You can find out all questions regarding applications and the use of credit cards by calling the hotline. The addresses of Trust Bank are not a secret.

Requirements for the borrower

In order to make preliminary calculations (calculate the amount of the credit limit and the approximate monthly payment), you can use the calculator on the bank's website. An applicant for a card must meet certain conditions of the bank:

• The age range is from 21 to 60 years old.
• The client must be a citizen of the Russian Federation and have a permanent registration in the region where he applies to the bank branch.
• The client must meet the bank's requirements for work experience (at least four months at the last place of work).
• Requires confirmation of official income (certificate in the form of a bank or 2-personal income tax).
• Before making a decision, bank specialists can analyze the client's expenses: the regularity of utility bills, expenses on existing loans, alimony, etc.
• Having a good credit history.

Reviews about the Trust bank credit card are mostly positive.

The bank does not require collateral or a guarantor. If the bank makes a positive decision, then a loan agreement is concluded, which specifies all the conditions for issuing and using this card. It is signed by the borrower and a representative of Trust Bank. Simultaneously with the contract, the client receives a card and an envelope with a PIN code. After activating the credit card, the client gets access to the funds.

Possibilities of the credit card NB "Trust"

The following operations are available for the owner of this card:

• Cashing out funds through an ATM and a bank cash desk.
• Cash replenishment of the card.
• Implementation of payment for goods and services by non-cash funds.
• Repayment of utility bills.
• Paying telephone and internet charges.
• Using mobile banking services.
• Manage the status of your credit card (blocked, closed).
• Making monthly payments in an amount that will not be less than the payment set by the bank.
• Receiving interest on the balance of personal funds that are placed on the card.

How to close a Trust bank credit card?

It is important when closing a credit card to clarify the presence of debt on it. If there is a debt, it will need to be paid, but if the card balance is positive, the balance must be collected. After that, when the credit balancecard will be 0 rubles, it will be possible to proceed to its closure.

To do this, you will need to contact the branch of the bank "Trust" and write an application for closing the credit account on which the funds were provided. In addition, it is important to clarify and disable all services connected to the card.

It is worth considering that there is a certain period between the application and closing of the card, in case some transactions made with a credit card could be delayed and come later. In Trust Bank, this period is 35 days.

Types of credit cards

Currently, three types of credit cards are available at Trust Bank:

• MASTERCARD UNEMBOSSED.
• TRUST TRAVEL MASTERCARD WORLD.
• TRUST TRAVEL MASTERCARD BLACK EDITION.

The following conditions are provided for them:

With the MASTERCARD UNEMBOSSED card, a credit limit is provided up to 500,000 rubles, the interest rate is 12% per year, the card is serviced free of charge, the validity period is three years, the grace period is 55 days. For non-cash payments.

For the TRUST TRAVEL MASTERCARD WORLD card, the conditions are the same as in the previous version, but the interest rate will be 12.9% per annum.

The TRUST TRAVEL MASTERCARD BLACK EDITION card provides a credit limit - up to 1,000,000 rubles, the interest rate is 19% per year, the validity period is three years, the grace period is 55 days.

For the convenience of customers, you can connect an Internet bank throughwhich you can find out the balance, get a statement of the movement of funds, make a monthly payment, debit money from other cards, etc.

Conditions for credit cards of Trust Bank can be found on the website.

Customer Reviews

According to customers, there are many positive aspects in using Trust bank credit cards. For example, the institution's specialists often make concessions and help in debt restructuring if it is not possible to pay the loan debt on time. The Bank may reduce the amount of the monthly payment, change the payment schedule and set a different payment term. It is also noted that the approach to clients is always individual and takes into account all the nuances. In addition, all customers speak of the support service of NB "Trust" exclusively in a positive way. But there are also negative reviews. For example, there were complaints from some borrowers about the incompetence of the office staff or the hotline. There were also cases of late crediting of the transferred payment, which, of course, entailed the accrual of a fine.

Long queues at bank offices are also noted as a disadvantage. All customers using a credit card say that this card is beneficial to the borrower only if used during the grace period, when interest is not charged. Users are also advised not to forget that cash withdrawals through an ATM of another bank will be mandatory with a commission. Some clients have complaints about the withdrawal of insurance amounts from the account, whichthey were not warned at the time of checkout. For this, numerous lawsuits are filed against the bank "Trust" on credit cards.

In general, this card can be an assistant in emergency cases, and it is better to return the used funds during the grace period. In this case, its use will be beneficial for the borrower.