Credit cards of Trust Bank are popular due to the simple procedure for receiving and a wide range of functions: electronic payments, the ability to withdraw cash, topping up an account, etc. Such credit cards are available to a wide range of people. Among the bank's products, there are several offers with different tariff plans and terms of use. We will tell you in detail about this financial instrument: its pros and cons, the terms of registration and use of this loan product.
Reviews on the credit card of Trust Bank are presented in this article.
Description
This credit card is issued in the Visa payment system, which occupies a leading position among modern international payment systems. Clients use the funds owned by the bank on the conditions established in the loan agreement. The advantages of using this particular credit card include:
- A wide range of credit instruments that are selected for the client depending on his income, cash requirements and solvency.
- The possibility of increasing the credit limit if you have a good credit history and you are solvent, according to bank employees.
- The grace period is 55 days.
- High class cards, which provides relative security of operations.
- Calculation of interest on the amount of cash balance in the account.
- Free registration and service.
Reviews on the credit card of Trust Bank are abundant.
Credit Card Terms
The spending limit is set taking into account the solvency of the client, as well as an analysis of his credit history, income and expenses. The size of the limit is specified in the loan agreement and is the maximum amount of funds available to the client. If the analysis of the client’s history shows the excess of revenue over expenditure, the absence of violations of the payment deadlines, then the limit may increase at the request of customers. The grace period (the period of use of funds in which interest for the use of money is not charged) lasts 55 days.
Trust Bank Addresses in Moscow:
- st. Butyrskaya, d.6;
- 1st Veshnyakovsky passage, d. 1, p. 8;
- 1st street Bukhvostova, d. 12/11, bldg. 20;
- 1st Tverskaya-Yamskaya street, d.13, building 1;
- st. Avtozavodskaya, d. 4;
- Warsaw highway, 68, bldg. 2;
- Vernadsky Avenue, d.33;
- Komsomolsky prospect, d.28;
- Kutuzovsky Prospekt, 30;
- Leningradskoye Shosse, 13, bldg. 1;
- Lublin street, d. 165, building. 24;
- Miklukho-Maklaya street, 47a;
- Prospekt Mira, d.6;
- Myasnitskaya street, d. 30/1/2, p. 1;
- Spartakovskaya street, 5, p. 1;
- st. Khachaturian, house 20.
Minimum payment
Monthly payment is 5% of the funds used. The bank provides credit by opening a revolving credit line, that is, the client has the opportunity to use the funds immediately after making a payment to the card. Some Trust Bank credit cards work just like debit cards. In addition to using the bank’s funds, a money storage function is also available for the client, for which the bank transfers certain percentages. Closing the card can be done at the request of the client at any time, provided, of course, all the debt to the bank is fully repaid. To close, you need to come to the bank, write a statement and turn in a card. The final settlement will be executed after 35 days from the date the card expires or from the day of its early closure.
Reviews on the credit card of Trust Bank are of interest to many.
Card opening
In order to order it, you can use the following methods:
- Internet and mobile banking;
- personal visit to the bank office.
If you submit an online application for a Trust Bank credit card, you can significantly save your own time. Specialists of the bank quickly process such applications, drawn up via the website, and, accordingly, make decisions as soon as possible. This option is very convenient for customers living far from the bank office. When contacting the bank personally, the client fills out a written application. Upon consideration of the client will be notified of the decision of the bank by phone. You can find out all questions regarding applications and using credit cards by calling the hotline. Trust bank addresses are not a secret.
Borrower Requirements
In order to make preliminary calculations (calculate the amount of the credit limit and the approximate monthly payment), you can use the calculator on the bank's website. To apply for a card, the applicant must meet certain conditions of the bank:
- The age range is from 21 years to 60 years.
- The client must be a citizen of the Russian Federation and have permanent registration in the region where he contacts the bank branch.
- The client must meet the requirements of the bank for the length of service (at least four months at the last place of work).
- Confirmation of official income is required (certificate in the form of a bank or 2-NDFL).
- Before making a decision, the bank’s specialists can analyze the client’s expenses: regularity of utility payments, expenses on existing loans, alimony, etc.
- Having a good credit history.
Reviews on the credit card of Trust Bank are mostly positive.
The bank does not require a pledge or guarantor. If the bank makes a positive decision, then a loan agreement is concluded, which sets out all the conditions for issuing and using this card. It is signed by the borrower and representative of Trust Bank. At the same time as the contract, the client receives a card and an envelope with a PIN code. After activating a credit card, the client gets access to cash.
Possibilities of a credit card of NB Trust
The following operations are available for the owner of this card:
- Cash withdrawal through an ATM and bank operating cash desk.
- Card replenishment in cash.
- Payment for goods and services by non-cash means.
- Repayment of utility bills.
- Payments for telephone and Internet.
- Use of mobile banking services.
- Manage your credit card status (block, close).
- Making monthly payments in an amount that will be not less than the payment established by the bank.
- Interest on the balance of personal funds that are placed on the card.
How to close a credit card of Trust Bank?
It is important to clarify the presence of debt on it when closing a credit card. If there is a debt, it will need to be paid, if the card balance is positive, the balance must be collected. After that, when the credit card balance is 0 rubles, it will be possible to proceed to its closure.
To do this, you will need to contact the branch of Trust Bank and write a statement about closing the credit account on which the funds were provided. In addition, it is important to clarify and disable all services connected to the card.
It should be noted that a certain period of time elapses between submitting an application and closing a card, in case some transactions made with a credit card could be delayed and arrive later. At Trust Bank, such a period is 35 days.
Types of credit cards
There are currently three types of credit cards available at Trust Bank:
- MASTERCARD UNEMBOSSED.
- TRUST TRAVEL MASTERCARD WORLD.
- TRUST TRAVEL MASTERCARD BLACK EDITION.
The following conditions are provided for them:
With a MASTERCARD UNEMBOSSED card, a credit limit is granted up to 500,000 rubles, the interest rate is 12% per year, the card is serviced for free, the validity period is three years, the grace period is 55 days. For cashless payments.
On the TRUST TRAVEL MASTERCARD WORLD card, the conditions are the same as in the previous version, but the interest rate will be 12.9% per annum.
The TRUST TRAVEL MASTERCARD BLACK EDITION card provides a credit limit of up to 1,000,000 rubles, the interest rate is 19% per year, validity period is three years, and the grace period is 55 days.
For the convenience of customers, you can connect to an Internet bank through which you can find out the balance, get a statement of the movement of funds, make a monthly payment, debiting money from other cards, etc.
The conditions for the credit cards of Trust Bank can be clarified on the website.
Customer reviews
According to customers, there are many positive aspects in using credit cards of Trust Bank. For example, specialists of an institution often make concessions and help in debt restructuring if there is no possibility of timely payment of credit debt. The bank may reduce the amount of the monthly payment, change the payment schedule and set a different payment term. It is also noted that the approach to customers is always individual and takes into account all the nuances. In addition, all customers respond to the support service of NB Trust in an exclusively positive manner. But there are also negative reviews. For example, some borrowers complained about the incompetence of office or hotline employees. There were also cases of untimely crediting of the transferred payment, which, of course, entailed the accrual of a fine.
Long queues at the bank’s offices are also noted as a drawback. All customers using a credit card say that this card is beneficial to the borrower only if applied during the grace period, when interest is not accrued. Users are also advised not to forget that withdrawing cash through an ATM of another bank will be mandatory with a commission. Some customers have complaints about the withdrawal of insurance amounts from the account, about which they were not notified at the time of registration. For this, numerous lawsuits are being filed against Trust Bank on credit cards.
In general, this card can be an assistant in case of emergency, and it is better to return the used funds in the grace period. In this case, its use will be beneficial to the borrower.