Among the citizens of our country, loans offered by banks on different conditions are in demand. Now you can get a credit card with a certain limit. Many banks give it out. Where can I get a credit card? You should contact any financial institution in our country that offers several types of programs.
Features of lending
Before applying for a credit card, you should familiarize yourself with the features of this type of lending:
- Easy processing and obtaining compared to other types of loans.
- Usually a passport and an additional document are required.
- The card does not have a specific period for which it is necessary to pay the debt, there is only a minimum monthly payment.
- Credit cards have a grace period during which interest is not charged.
- Almost all cards have a price for service.
If you are satisfied with such rules, then you can get a loan. Where you can get a credit card depends on the place of residence. It usually takes about 20 minutes to get it. Only such programs provide small amounts at a rate of 25-30%. The reviews show that such loans are issued simply if you compare them with others, such as consumer.
Clearance procedure
Passport cards are issued in several ways, it all depends on the services of the bank. This usually happens:
- In the bank. This option has been applied for a long time. You should contact the nearest bank branch, fill out an application, and then wait for a decision. It takes a maximum of 1 hour to review. After approval, a card is issued.
- Through the Internet. The option is considered the most convenient. You must visit the site by filling out an application. You must enter reliable information about yourself.
- Home delivery. Some banks offer to deliver the card by mail or courier. In large cities, it is delivered quickly, and in remote regions it will be necessary to wait. The client receives a non-activated card, and until it is activated, interest will not be taken from it.
According to the feedback of the borrowers, it is clear that all the design methods are convenient, just each person chooses a more comfortable one. If you visit the bank office, then usually the cards are provided on the same day.
Borrower Requirements
Many citizens can use credit cards. Where to issue and receive them? Typically, an application is executed through the website or with the help of a specialist, but you have to get it at the bank’s office. But sometimes cards are sent by mail or courier.
Banks make the following requirements for customers:
- The age is 18-70 years, but in each bank it may differ.
- Passport availability.
- Information about registration and accommodation.
- Certificate of Income.
- Contact Information.
Not every bank requires proof of income. If you provide documents on salary, then the rate can be reduced, but it is set individually.
Bank Offers
Where can I get a credit card? The rating of banks is based on their popularity among customers:
- Sberbank of Russia. The institution can issue a “Momentum” card, but only to the company's customers, if there is an offer. The limit can be up to 120 thousand rubles at a fixed percentage of 25.9%. The grace period is 50 days, and the service is free.
- "Post Bank". Where can I get a credit card quickly? The former "Summer Bank" offers to issue the "Postal Express" program. On it you can choose a limit. Minimum payments must be made in a timely manner, and if there is no debt, then there is no interest for the service.
- "Alfa Bank". Financial institutions where you can get a credit card offer different conditions. Alfa Bank allows you to get a card in 40 minutes. An individual amount is established for which interest is accrued. The rate is 47.9%. The grace period is 60 or 100 days. To obtain, you need a passport and an additional document.
- Home Credit. If you are interested in where you can get a credit card, then you should contact this bank. Customers are invited to apply for the “Quick Purchases” program, which has a free design and service. The limit can be up to 300 thousand rubles, the rate - 34.9%, with cash withdrawal - 49.9%. The grace period is 51 days.
- Tinkoff. Where can I get a Tinkoff credit card? You need to contact the bank or fill out an application on the site. The limit is 300 thousand rubles. How much money will be available is decided by the bank. But after six months, the limit can be increased. The grace period is 55 days. The rate is calculated from 24.9%, but if you withdraw cash, it will be 45.9%.
- "Renaissance Credit". "Transparent card" is issued by passport. You must fill out an application on the website or visit the bank. The decision is made within 2 business days. The limit is 300 thousand rubles, and the grace period is 55 days. The rate is from 24%.
- Raiffeisenbank. The card is issued by passport. It is up to 150 thousand rubles, and if you confirm the income - 300 thousand rubles. The rate is from 24%. Interest-free period - up to 50 days.
Credit cards are also offered at other banks. Thus, there are many options where you can get a credit card with a passport. You just need to choose the most attractive offer and visit a financial institution. Feedback from borrowers suggests that you should draw up a card in extreme cases, since taking a consumer loan is much more profitable.
What does the interest rate consist of?
The loan rate is set based on such factors:
- Inflation: the higher it is, the higher the rate.
- Interest on interbank loans: if a bank does not have its own funds for obtaining loans, then it asks for help from large financial institutions.
- Costs: the rate includes interest on the salary of employees, rental of premises, office maintenance.
- Profit: the costs of issuing a loan are taken into account.
- Seasonal costs: the provision of loans depends on the season. During the holidays and before the New Year, the demand for loans increases and deposits decreases, so during these periods the rate may increase by 5-6%.
The rate in each bank sets the same. In addition, you need to pay attention to whether there are paid services. Interest in large banks is less compared to small commercial organizations. But if the rate is small, then the borrower is carefully checked.
Are cards issued to disabled citizens?
There are many banks in Russia competing with each other. For profit, they treat customers loyally. If the bank does not need to provide a statement of income, as well as provide information about the place of work, then unemployed citizens can also get a loan. Only financial institutions cover risks with a high rate. An important role is played by the borrower's credit history. If it is positive, then usually money loans are approved. Some lenders require you to provide SNILS or a driver’s license.
Pros and cons
According to customer reviews, card loans have the following advantages:
- Quick review of application and provision of funds.
- Minimum documents.
- Available programs for all citizens.
- Cash is withdrawn at any ATM.
- Payment in terminals without commissions.
- Making payments over the Internet.
- In the grace period, interest is not charged.
- Renewable limit.
- The opportunity to participate in bonus programs.
The disadvantages, judging by the reviews, are as follows:
- High rates.
- Hide the commission.
- A small line of credit.
- Many cards do not have chips and a name, so they are less secure.
Before issuing a card, you should consider the pros and cons. Typically, banks offer individual conditions for customers, so rates and amounts may vary.
Recommendations for borrowers
Before deciding which bank you can apply for a credit card, you should familiarize yourself with tips for borrowers. Please note that an additional fee is charged for the service. In case of delay, a fine and penalty are provided. At first, a lower rate is offered, but with a loan, it will be high.
It is advisable to contact the bank in which the loan is already issued. Typically, customers are offered more favorable terms. If there is a positive story, then, as a rule, applications are approved. You should also compare the conditions of several banks and choose the most suitable card.