Finance, Banks
How to close the "Tinkoff" map? Can I close the "Tinkoff" card via the Internet?
In modern conditions of life it often happens that the needs and desires of a person do not quite correspond to his financial capabilities. What to do? Perekanimat missing funds from friends? Or postpone the purchase until better times? Very much help us in such moments credit cards.
What is a credit plastic card?
This is a modern financial instrument, which is a plastic bank card with a certain amount calculated on it. The Bank provides a limit within which the cardholder can pay for his purchases and services. The size of the limit is determined individually and depends, as a rule, on the income of the recipient of the card and its credit history.
Modern credit cards, such as, for example, a credit card "Tinkoff", are characterized by simplicity of design and ease of use. Thanks to this tool, you can not borrow money from friends and relatives or apply for a loan to a bank. But it should be understood that the funds on the credit card are borrowed, and they are subject to mandatory return.
About Tinkoff Credit Systems Bank
The history of the Bank "Tinkoff Credit Systems" (further TCS) begins in 1994. Then the credit institution was called "Himmashbank". The bank was renamed in 2006, when it was acquired by the well-known businessman Oleg Tinkov.
Bank TCS - the first bank in the territory of Russia, completely abandoned offices (except for the central office in Moscow). All operations are performed remotely: by phone or on the Internet.
The operators of the 24-hour support service will answer questions about banking operations, talk about the bank's services and will consult on any other emerging issues. For example, you can learn at any time about how to open or close a Tinkoff credit card.
The most popular cards of the bank "Tinkoff Credit Systems"
Bank TCS issues the following types of credit cards:
- "Tinkoff Platinum" is one of the most popular cards of the bank, providing the holder with a credit limit of up to 300,000 rubles. Making a purchase and returning the funds on time, the card user does not pay interest (interest-free period of use - up to 55 days). For more information on how to get or how to close the "Tinkoff" card, you will find further in our article.
- ALL Airlines - a card intended mainly for fans of foreign travel and travel. The credit limit for this card is up to 700 000 rubles. If you often have to use the services of airlines, this is a credit card for you. By purchasing air tickets and any other purchases around the world, the user accumulates bonus miles, which can be spent on other acquisitions. Next, we'll talk about how to open and how to close the "Tinkoff" map.
Other types of credit cards of TKS Bank
- One Two Trip - a card that provides discounts for the purchase of air tickets. With each purchase on the card, the user is credited with bonuses (1% of its value). Bonuses can be spent at any time at will. In addition, the holder of the One Two Trip card is provided with free travel insurance.
- "Odnoklassniki" is a map developed for users of one of the popular social networks. If you are an active user of "Classmates", this card is for you! It has its own individual design. A card with a personal photo can be issued for you. In addition, when paying for purchases with a card, you are credited with OKs, which you can spend in your favorite social network. The credit limit is 300,000 rubles.
Receiving a credit card
The holder of the card from the bank TKS can become two ways:
- Fill in the online application form on the official website of the bank. Usually this process takes no more than 5 minutes. Site navigation is simple and convenient. Filling out the form, you can close the site. The "Tinkoff" card will be delivered to your home free of charge and at any convenient time after approval of the loan you request.
- If you have found in your mail box a proposal from TKS to issue a credit card, you can also get it by following the instructions. You need to sign the documents sent in the letter and, having enclosed a photocopy of the passport, send it back to the bank. The credit card will be delivered to you at the specified address.
After receiving the card, you need to activate it. To do this, simply call the call center and follow the instructions of the voice service to obtain a PIN. Now you can use the card.
Can I close the credit card "Tinkoff"?
Opening a TCS card is not an easy process. It is enough to fill out an application on the site and wait for confirmation. What about closing? Perhaps the card you no longer needed and you decided to abandon it. How to do everything right and not stay in debt with the bank?
Information on the closure of credit cards, as a rule, is always less. Most often, the holder simply needs to come to the bank branch and consult a consultant. But what if the bank works remotely? After all, Tinkoff Credit Systems does not have representative offices in Russian cities.
It turns out that it is impossible to close the card? Not at all! Remember how you opened it. Remotely. Therefore, the "Tinkoff" card can be closed in the same way, i.e. online. This procedure is simple and accessible to everyone.
Online closing of the TCS card
If you no longer need a credit card, do not rush to throw it into the remote box. It is very important to close the card first. Otherwise, even without using it, you can accumulate debts to the bank. It's not just about the annual fee for servicing the card. Additional services may be added to your account. For example, sms-informing or insurance.
How to close the "Tinkoff" map via the Internet? It is not difficult. First you need to make sure that you do not have debts to the bank. To do this, simply call the call center or check your account using Internet banking.
In the absence of outstanding loans, you can close the card at any time. Call the operator and tell them about your intention. Be prepared for the call center employee to ask you to tell him your passport details and the card's code word.
But you can do it differently. In this age of information technology, use the Internet banking system. Lock the card in your account, and then contact the call center and ask to terminate the contract.
Features of closing the card
You decided to close the credit account and already know how. You can close the "Tinkoff" card (apply for closure) at any time. But it should be understood that it will not be blocked instantly on the day of treatment. It will be necessary to wait for a certain period in which your application for closing the account will be considered, and the lack of debt is verified. It is also necessary to pay the balance of the debt, which could appear during the consideration of the application for closure.
Having received from the operator confirmation of the account closure, check the status in your account. You can recycle the credit card "Tinkoff" yourself.
It should be noted that the remote shutdown service, despite its convenience, is a rare phenomenon among Russian banks. Tinkoff Credit Systems is one of the few financial institutions that provide it.
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