2012 showed that bank customers are increasingly willing to get the most affordable product. These are credit cards. If a client suddenly needs a certain amount of funds, he will not need to go to a financial institution, spend valuable time waiting. He can just go to the ATM and get the money. What are the best credit cards of 2012? Are they the most convenient to use? Where do you offer the best credit cards? This article discusses the offers of the most popular banks.
Favorable credit cards. Are they really beneficial to the customer?
Due to the high level of competition, many financial institutions are forced to offer customers more loyal loan conditions . The bet is on credit cards. They can serve not only as a source of cash. With a credit card you can safely pay for goods or services in stores that have an appropriate terminal.
Sberbank offer
This institution provides credit cards with an interest rate of about 24% per annum. The maximum amount that can be provided to a client is two hundred thousand rubles. A nice feature is the presence of a "free period." This is the number of days during which interest is not accrued for using cash. It is 50 days (calendar). There are several ways to replenish a credit card. The first is transferring money from a debit account. This can be done using a terminal, Internet banking, or even through a cell phone. The second option is to deposit cash into a terminal or an ATM intended for these purposes. The third way is to transfer money from an account in another banking institution.
Bank of Moscow offer
To answer the question of where the most profitable credit cards are provided, consider another financial institution. The Bank of Moscow offers the same credit card options, but with one difference. It consists in the provision of a loan in different currencies (ruble, dollar or euro). This banking product has a high interest rate, which is 26%. However, the maximum amount is three hundred and fifty thousand rubles. The Interest-Free Corridor is also within fifty days. Debt repayment options are similar.
VTB24 offer
This institution offers a banking product such as “My Terms” Master Card. The grace period in this case is similar to the two previous options, the interest rate is 25%. In addition to the above methods of replenishing the balance, there is another: the possibility of a refund through a specialized CONTACT network. To assess where the most profitable credit cards are provided, it is important to note that VTB24 returns 5% of purchases made with the product in question, including those made via the Internet.
Alfa Bank offer
This offer is characterized by a limited amount (up to 90,000 rubles). However, the annual rate varies between 19-29%. A credit card can be issued in both ruble and dollar terms. Owners of the product are available promotions, as well as all kinds of affiliate programs.
It is worth noting that in order to answer the question of where the most profitable credit cards are provided, it is important to take into account various features. So, some institutions are targeted at specific customers. For example, for those who spend a lot of time on flights.