“Post Bank” has recently been operating in our country, but it is already quite popular. The creation of such a banking institution represents a new milestone in the development of banking services in the Russian market. The integration of banking elements in the postal infrastructure creates opportunities to use financial services for all citizens of our large country, even residents of the most remote regions. The organization is trying to make the most of the opportunities that the shareholders present - Russian Post and VTB Bank. We will look at “Post Bank” customer reviews on loans and other products, and also find out what interesting and advantageous offers are in its arsenal.
A bit more about the bank
The main distinguishing feature of this bank is the ability to send cards using the Russian Post. There are post offices in every region, so anyone can get a card. Among the banking products of this organization there are debit cards, as well as deposits and loans of various kinds. Reviews about loans at the Post Bank of Russia are of interest to many.
Credit cards: terms of receipt and reviews
Now the bank offers several types of credit cards. The conditions for obtaining are very loyal.
Among the bank's offers, the most popular are:
- "Green World". The card was issued jointly with the company “Passion Fruit”. This organization helps reforestation in the Russian Federation. All funds received as income from these credit cards are transferred for these purposes. Using the card is possible subject to the following conditions: payment by bank transfer without commission, there is a full package of bonuses and privileges from VisaPremium, the percentage is 19.9% per year, the interest-free period is 60 days, the maximum amount is 500,000 rubles., With each Bank specialists promise to plant one tree of the third thousand rubles. There are other cards. About it further.
- "Element 120." To apply for a submitted card, you must send an online application. The maximum possible amount for the provision is 300 thousand rubles, the availability of a discount program and insurance, the possibility of providing assistance outside the Russian Federation, the grace period is 120 days, the monthly payment is 5% of the debt amount, the interest rate is about 27%. What other products are available in the bank?
- "Postal Express". This card has no interest accrual. A very quick decision to issue a credit card is literally five minutes. The client can choose one of three limit options: 15, 10 and 5 thousand rubles; served card for free. The offer is formed for everyday cashless spending.
How to replenish a credit account?
Replenishment of the account is carried out by means of a money transfer or automatic redemption from a debit card (a commission fee of 1.9% is charged, but not less than 29 rubles), paid through a cash desk at the bank office or an ATM. Closing a credit card is carried out only at the bank’s office. Age restrictions are standard for these offers: from 21 to 65 years old - for the male half of humanity and from 18 years old to 70 - for women. In addition, you must have Russian citizenship, as well as permanent registration in the region of receiving a credit card.
Benefits of using credit cards
According to reviews of Post Bank on loans and other banking products, the availability of credit cards is also beneficial because in many partner shops of the bank you will be offered various discounts and bonuses. According to many people, these banking products can be used in the grace period. If you adhere to this rule, then the use of cards is beneficial and brings only positive emotions. Users also include the possibility of ordering a card, being at home, at their personal computer, through an online application, and the finished card will be sent to you by mail to your home address. In addition, the service is especially popular among cardholders, as a result of which you can change the repayment date. At the same time, no penalties are charged, users say that in certain circumstances it is a very convenient service.
But still, most customers are especially pleased with the long grace period (perhaps, in this regard, this is the best offer at the moment among credit cards), which is 120 days. That is, you use a card, pay for purchases, you can withdraw cash, for three months do not pay interest on the use of bank funds.
Lending programs: conditions and customer reviews
Today, Post Bank has several lending programs with different interest rates. The conditions, according to customer feedback on loans at the Post Bank, on which loans are granted, may vary depending on the individual circumstances of the client. The interest rate is set in the range from 19.9% to 34.5% per year. Briefly tell about cash loans and lending conditions in the "Post Bank" from the reviews and other available information.
Credit "Preferential"
This is a consumer loan that does not require collateral and guarantors. Confirmation of income is possible without providing a certificate of employment, but in this case the percentage will be higher (29.6% per year, and with a certificate of 2 personal income tax - 19.9%). The loan term is from 12 to 36 months. The amount provided in this case is up to 150,000 rubles.
“Special Concessional Credit” is an offer for regular customers of the bank who have deposits or accounts in it. The term for providing funds is up to 36 months, and the amount is up to 150,000 rubles. In this case, proof of income is not required. The interest rate is favorable and ranges from 16.9 to 24.9% per year. Upon presentation of a certificate confirming income, a bank client receives money at a minimum percentage. Reviews of “Post Bank” on loans issued by people on this proposal say that it is quite easy to get a loan when submitting documents confirming income. Otherwise, the rate is very high and borrowing is expensive.
Credit "Business mail"
According to customers, this offer is interesting because by connecting the “Guaranteed rate” option, you can recalculate interest at the minimum rate and return part of the funds paid on the loan. This lending option is available only to customers, based on feedback from Mail Bank on loans and information on the site. The maximum possible amount for the provision is 1,000,000 rubles. A loan is possible for up to five years. Interest rate from 19.9% to 29.5% per year. Program
“Just a loan.” Issuance is carried out without collateral, guarantors and statements of income, but at the same time a very high interest rate - 34.5% per year, and the term is very small - only 12 months.
Credit "Postal"
The interest rate can range from 24% to 34%. A standard set of documents is required: passport, income statement. In the event that the borrower does not allow delinquency and pays the loan on time, the bank will return part of the funds by recalculating interest. In order to lower the loan rate, you need to provide more documents, the maximum possible amount is 300,000 rubles, a period of 1 year to five years.
The loan "First postal". According to the testimony of borrowers, this is the most popular type of loan among other products of the bank.
It is drawn up for any purpose, requirements for applicants and a set of documents - standard. For registration do not need certificates, collateral and guarantors - this is also noted by customers as a plus. Interest rate - from 19.9% to 29.5% per annum. In order to reduce overpayment, you can connect the option "Guaranteed rate". The maximum possible loan amount is 1,000,000 rubles.
I must say that the option "Guaranteed rate" is popular among customers, according to reviews of "Post Bank" on loans. It does not apply to short-term loan programs. Customers note that with the conscientious fulfillment of their obligations and the avoidance of delays, this option is very beneficial. Although it is paid (3% of the loan amount), but in the end it is to the benefit of the client. Connection to this service is possible only with a loan of 1 year. The interest is recalculated up to 16.9% per year, and the difference is credited to the customer’s card. Reviews about Mail Bank on loans to individuals and other informative sources provide even more detailed information.
Finally
In most cases, customers of the organization are satisfied with the work of the financial institution. This is confirmed by feedback on the terms of the cash loan at Post Bank and credit cards. Although late payment will increase costs and damage the borrower's reputation. But there is one pleasant moment. There are also reviews about this. At Post Bank, a loan is provided to pensioners from 12% per annum.