Where is the best place to get a credit card - features, conditions and recommendations

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

Credit cards are very convenient, because there is no need to accumulate money for the desired purchase for months, constantly take out new consumer loans, and you can also pay off the debt without interest, well, and unlike a large stack of money, it can easily fit into wallet, and in case of its loss, a catastrophe of a universal scale will not come.

This banking product is in high demand, and therefore hundreds of banks are ready to provide a huge number of offers and various types of credit cards. Let's figure out where it is better to get a credit card.

What should I pay attention to?

First of all, you need to carefully consider the terms of lending and use. The most important indicators are: the credit limit, the cost of servicing, the annual interest rate on the loan and the duration of the grace period, the complexity of registration, the conditions for repaying the debt. Today, the loan rate in manybank ranges from 22 to 35%, and the loan limit, as a rule, does not exceed 750,000 rubles.

Many people are wondering where is the best place to get a credit card without information? Let's figure it out together.

The cost of issuing a credit card and its maintenance is different for each bank. And if plastic is usually issued free of charge, then a fee of 300 to 6000 rubles per year is charged for its maintenance, based on the category of the card. You also need to find out more about the availability and duration of the grace period - the time during which you can pay off the debt without interest. As a rule, it is equal to 50-60 days, although exceptions are possible.

Remember that loan repayment is a regular process, and, therefore, it should be as convenient as possible. It is better when there are many repayment channels. Today, banks provide the opportunity to pay off the debt not only in their branches, but also through payment terminals, ATMs, as well as using online services. Access to internet banking and SMS alerts also make using a credit card more camphor.

Below we will tell you where to get a credit card.

Please note the fees for withdrawing cash from a credit card. First of all, credit cards are intended for non-cash payments, but they also allow you to withdraw money in cash. But the commission for this procedure can reach up to 7% of the withdrawn amount. Be sure to find out about the availability of partner banks. Their ATMs charge a lower fee (like yours).bank) compared to third parties. Also, these ATMs allow you to repay the loan by depositing cash. The more partners your chosen bank has, the better.

Ultimately, some credit cards have additional features, such as discounts at certain stores and restaurants, allow you to accumulate bonuses in various airline programs, and sometimes you can even get a small percentage of your purchases, it is also called Cash Bank. If you are interested in such benefits of a credit card, then check all the details with the bank.

So, where is the best place to get a credit card? We will talk about this later.

Manual for plastic credit card recipient

• You should carefully study all the conditions of lending: find out the loan rate, the size of the credit limit and the cost of annual maintenance.
• Find out the grace period and its duration: the longer, the more profitable for you. You also need to clarify whether it applies to cash withdrawals.
• It is necessary to study the possibilities and conditions of debt repayment well: find out about the minimum monthly payment, when it is necessary to make it, how to do it and what are the pen alties for its delay. Study the contract very carefully, because often this information is given in small print or in footnotes.
• Find out the conditions for withdrawing cash from an ATM, what is the commission rate at "native" ATMs and third-party ones, request a list of partner banks. As a rule, it is posted on the website of the issuing bank of the card. remember, thatsome banks do not have "their" ATMs and even branches.
• Carefully read the bonus programs on the card: think carefully about how much you need it. If yes, then you should choose the card that best suits your spending habits and lifestyle.

Don't know what to choose - Visa or MasterCard? For citizens of the Russian Federation, there are practically no differences between these systems. The main payment currency for the Visa system is the dollar, and for MasterCard it is the euro.

Where is the best place to get a credit card according to reviews?

What options do the country's largest banks offer?

Don't know which credit card you should get? This is really not an easy question, because today more than 70 banks offer this product, and the number of loan programs exceeds a hundred. However, there are still some tips, following which will help you decide:

• If you need a credit card as a cash guarantee, in other words - you want to have a "spare" wallet with finances for emergencies, then it is better to choose a card with a long grace period. You can save a lot on interest if you meet the grace period.
• If you fundamentally need the ability to withdraw cash from a credit card, then you should give preference to a bank that has a wide network of ATMs - its own and partner banks. Favorable offer for cash withdrawal from a credit card is no more than3%. It is important to decide in advance which bank is better to take a credit card.



• If you are an avid traveler, then you will like a credit card with bonus loy alty programs of railway or airlines. Such cards are now provided by almost all major leading banks in Russia.
• Women can use credit cards that offer discounts at beauty salons and stores.
• For car enthusiasts, a card with bonus loy alty programs for car dealers or gas stations is suitable.

Frequent question: "Where is the best place to get a card with a credit limit of 200,000 rubles?". Many recommendations can be given, but even following them, it is very difficult to decide on the choice of the best credit card. Therefore, in our article there is a small market analysis that will allow you to choose the best offer.

This rating takes into account the maximum criteria and, most importantly, consumer preferences. According to statistics, the priorities for cardholders are:

• loan interest rate;
• price for card maintenance;
• credit limit;
• duration of the grace period;
• speed and order of clearance;
• comfort of use (are there SMS alerts and Internet banking, cash withdrawal fees, number of ATMs, etc.).

To understand which credit card and which bank is better to choose, the conditionsshould be studied very carefully.

Card from UniCredit Bank for those who are constantly driving

Users of this plastic have access to a number of free services for motorists: car evacuation in case of an accident, fuel delivery, technical and legal advice by phone, the ability to call a taxi in case of a car breakdown.

Card from Promsvyazbank for those who do not want to pay for the first year of service

The holders of this credit card will have points in the bonus program PSBonus. This makes it possible to pay up to 90% of the cost of purchases in the bank's partner stores.

Which is the best bank to get a credit card without overpaying?

Card from Citibank

A distinctive feature of this credit card is the possibility of free travel insurance for card users, and you can also look at several card designs and choose the one you like.

Tinkoff Bank card for those who constantly travel

The credit card provides free worldwide travel insurance and unlimited trips.

Card from VTB 24, which allows you to replenish the budget when paying

Users of this card will be able to take advantage of an interest-free period that can apply to all types of transactions.

Whatever option you choose, the main thing is to remember the right priorities and the capabilities of your own forces. After all, about 5% of the totalyou will have to repay your credit card debt every month and without delay.

So we figured out where to get a credit card.