Decor. Credit card without annual service

Credit cards have become quite a convenient tool for managing cash. They are rightfully considered as a type of loan, which is easy to obtain and convenient to give. Despite a wide choice, the most popular credit card is without annual service, which will be discussed later in the article.

Main advantages

Trying to keep regular customers and attract new ones, many banks are developing all new conditions for servicing credit cards. The most important advantage in this case is the interest-free period of using cash. All banks have different, but this possibility gives the borrower the right to not think about financial problems for a while.

A credit card without annual service fee becomes more and more relevant, although at the conclusion of an agreement the bank customer needs to be especially careful.

First, such a card may have a high interest rate outside the interest-free period. Secondly, free service can last only the first year after receiving the card. And thirdly, there may be a high percentage for withdrawing cash, converting, etc.

Features

A credit card without annual maintenance, unlike the others, can have a minimum set of options. In other words, it is given for acquaintance with the bank. Most likely, after the expiry of the validity period, such a card will be transferred to annual maintenance already with a wide range of options.

A card without service is often an advertising company of the bank to attract new customers, so it is worthwhile to figure out how much you benefit from its use:

• The average amount of annual credit card service is from 750 rubles. Up to 3000 rubles, depending on the type of card and the set of options, so the bank's client, before signing the contract, needs to understand for himself whether the card will be used permanently or is a spare option for a rainy day.
• If the card is used constantly, especially for non-cash purchases abroad, you should pay attention to the size of the conversion. After all, if the card is not serviced, then, most likely, the bank takes sky-high interest for this option, then the sense of free service disappears. The customer of the bank will lose money on other transactions with the card.
• For customers who constantly work with cards, a credit card can be issued without annual service with a full set of options (usually "golden" cards for preferred customers).

Decor

You can apply for a credit card without annual service if you personally contact the financial institution or through the official website of the bank, leaving an online application. For registration, you will only need a passport, but in this case, the cash limit will be small.

If you want to get a large amount, you need to be ready to submit a complete package of documents:

• The passport of the Russian Federation;
• Certificate on form 2 of personal income tax confirming income;
• Additional documents proving the identity;
• A copy of the work book;
• Other documents requested by the bank.

If a person has a salary card of a particular bank, then the request for a credit card is better done there. There is an option that the interest rate in this case will be less, and annual maintenance will be absent.

Bank offers

Let's consider some offers from different banks, where a credit card can be issued without annual maintenance.

There are, of course, other proposals from other financial institutions. In any case, each borrower must independently choose those conditions that are most suitable for him.

Offers from Sberbank

A Sberbank credit card without annual service is offered to regular customers who already have a debit card, or to salary customers. In both cases, this is a pre-approved card without service with an individual monetary limit.

"Gold card".

Almost the same characteristics have a card "Give life." Small differences exist in the tariff and in the limit for the issuance of money per day.

Sberbank on its part sends up to 50% of the annual service cost for charitable purposes.

Map "Classical".

The card "Aeroflot" is also of interest. Depending on its type, the customer receives after paying for his purchases for every 50 rubles from 500 to 1,000 "miles".

Map "Momentum" refers to another type. Its use has certain conditions.

The "Youth" map is also interesting. It can be issued for students who do not have a permanent income.

Cash withdrawal

The credit card is designed to conduct non-cash transactions. If the borrower intends to withdraw cash, he should be willing to pay a commission of between 3% and 7%, and lose an interest-free period. The use of cash withdrawn from the credit card, fraught with a huge overpayment and a large commission.

There are banks that offer cash withdrawals from credit cards. But such a service is more accessible to privileged customers, participants of salary projects and employees of the bank offering this option.