Credit card "Tinkoff": online

Depending on what the borrower needs funds for, consumer lending is divided into several types. The most popular are:

- express loans;

- for urgent needs;

- to rest;

- on education;

On bail;

- credit cards.

The latter will be discussed in more detail.

What is a credit card?

A credit card is a plastic rectangle with a bank emblem and a magnetic stripe, to which the client's credit account is attached. Throughout the world, this banking product is a serious competitor to consumer loans. Such a card makes it possible to use the bank's funds in order to pay expenses up to a certain limit. Its size depends on the level of income and the quality of the credit history.

In Russia, very popular credit card "Tinkoff", which can only be issued on the Internet. If we talk about general statistics, over the past eight years, more than 130 million cards have been issued, most of which were made by credit. This is not the limit. Today, every citizen in the world has an average of three cards each.

The most popular payment systems in Russia are Visa and MasterCard. They allow you to pay for purchases, as well as withdraw cash from ATMs. As a rule, you can issue a credit card "Tinkoff Platinum", electron, classic, gold and platina. Each type is different conditions, tariffs and limits.

Almost all banks allow you to make more initial credit line after a while - from 3 months to one year. If during this time you regularly make payments on the card, the bank will trust you even more and provide a loan for a larger amount.

What features does the "Tinkoff" credit card have?

You can make a card on the Internet. In addition, any credit card has a number of advantages over cash. The money available on the credit card is not subject to a declaration when traveling abroad. In a foreign country with a card in your pocket you will not have to worry about currency exchange, because international payment systems can make payments in any currency. Banks make their own conversion.

The credit card allows you to pay for almost all purchases and services. All this makes it possible to make a credit card "Tinkoff" - to issue a hotel room, pay for a phone, lunch at a restaurant, tickets for a plane and so on. At the same time cardholders have the opportunity to participate in bonus programs from the bank's partners. It can be shops, airlines, clubs, and many others. Very often draws various presents.

Having such a card, each client gets the opportunity to manage their accounts around the clock in any place. You can also issue an additional card to the account so that a close person has access to it.

The most important advantage of any credit card is the grace period, that is, the time during which interest is not charged. In this case, if you use the funds carefully and observe discipline, and during the grace period you manage to return all the debt, then you generally do not have to pay interest.

How and where to issue a credit card?

Make a request for a credit card "Tinkoff" can absolutely everyone, but before giving this bank product, the bank checks the borrower. If you have an account, for example, a salary, the procedure will be carried out according to a simplified scheme.

In order to get a credit card with a minimum limit, you need an official income. If it is not enough, then it is possible to provide something in pledge. All other requirements for cardholders are almost identical for all banks.

How can a credit card be issued?

There are several ways to issue credit cards. You can do this at the bank branch, via the Internet, when you buy or in addition to another bank product. Let's consider each method in more detail.

Receipt at the bank branch

In this case, you need to visit the bank branch, fill out the application and provide the necessary documentation. But the "Tinkoff" bank does not allow this. You can issue a credit card of this bank only online. The bank considers the application and makes its own decision. Such a process can last from one to seven days. With a positive decision, a credit specialist will contact you and tell you when to come for a finished card.

What are the advantages of this method?

- You can independently choose which bank to receive a card and learn in detail about the terms of the loan.

- You have the opportunity to find out everything that interests you, from a loan manager.

- The interest rate will be lower, and the limit will be higher as opposed to other methods.

The disadvantages can be attributed to the fact that the collection of documents and visiting the bank will have to spend a few days.

Making a card in addition to another bank product

If you are a frequent client in a bank, actively use its services, then maybe you will be offered a credit card. Another option is to send the card by mail. By the way, so, before, came the credit card issued by the bank "Tinkoff". You could also make out on the Internet, but also by mail, the cards were also sent without filing an application.

Such a card can be issued only to a client with an excellent reputation, that is, with an ideal credit history.

Disadvantages of this method

The disadvantage is that it is impossible to nominate a bank for any of its conditions. This is what the credit card issued by the bank "Tinkoff" features. You can issue it only on bank terms. In addition, you can not count on a large credit limit. But the client has the opportunity to save considerable time, as the credit organization will have all your data, so you do not have to collect documents.

Receipt within the framework of the action or at purchase

In the battle for each client, banks go to different tricks. An example is the credit card "Tinkoff", you can register it for participation in any advertising campaign. For example, it can be offered as a gift for a purchase or just on the street. As a rule, such a card will be inactive, but on the account it will have a small amount. To activate, you need to contact the bank - call or register on the Internet, after which the card will be available. Of course, this is only if a positive decision is made to use the card.

This method is suitable for those who are just too lazy to receive a card, or those who do not dare to do it.

Getting a card through the Internet

As we said above, you can issue a credit card "Tinkoff" through the Internet. First you need to go to the site and fill out an application. Next, a manager will contact you, who will clarify all the information and report on the bank's decision.

After approval, the card is delivered by post or courier, everything depends on the city.

Credit card "Tinkoff": checkout online. Reviews

Reviews on the Internet can be found a huge amount and not all of them, of course, are positive. No bank has positive reviews of its work alone, because no one is working without shortcomings. It's hard to say whether a bank is good or bad, because how many customers - exactly the same number and opinions, but overall the institution works well and the service is at a high level. Some clients are not satisfied with the lack of offices, because there is no one to go to in case of unforeseen situations.

Some hidden conditions of "Tinkoff" maps

1. Features of the preparation. It differs from other banks by the speed of consideration of applications and a high percentage of approval. In addition, the cards are sent by mail.

2. Small limits. As a rule, the limit provided at the very beginning depends on the data specified in the questionnaire and does not exceed the average wage. In some cases, it may not exceed four thousand. The limit can be increased no earlier than in 6 months.

3. Percentage for withdrawal. Grace period is valid only for non-cash payment. In case the client takes cash, 3% + 390 rubles will be charged for withdrawal.

4. Real interest rate. Whichever tariff you have, the rate for making transactions by bank transfer will be at least 25%, and for cash - 33%. If payments are made out of time, then per day, 0.12% is charged, and for the year 43.8%.

5. The minimum payment. As the bank rates say, the minimum payment is 6% of the amount. This is a very small percentage, and it is not able to cover the main debt, since the bank's interest is huge. In the end, if the client decided to close the card, then his last payment will be equal to the initial amount, if not more.

6. Fines. For the delay is charged 0.2% per day. In addition, you still need to pay a fine of 600 rubles.

7. ATM machines. Some payments through ATMs are just like cash payments, and even with a commission.

8. Insurance of debt. As elsewhere, the bank provides insurance, so 0,89% of the amount is deducted to the company by the insurer. Concluding the contract, you can refuse the service.

9. Service. The annual cost of the card is 590 rubles, and with a loan repayment the fee is still collected and in case of late payment interest is charged.

Conclusion

To issue a credit card in the bank "Tinkoff" or not - it's up to you. To receive, fill out the application on the website, get approval, and all - can use. Most importantly, do not forget to pay off the debt on time.