If you already had the practice of receiving wages on a card, then Alfa-Bank credit card is for you. Customer reviews indicate that with experience using a debit card, getting used to a convenient bank loan product is faster. It makes sense to take such a step, for example, to make a major family purchase. It is not necessary to accumulate a salary for a long time, accumulating the necessary amount on a debit salary card. At your service is the Alfa-Bank Internet service. To do this, use the menu: Alfa-Bank Products / Credit Cards. Customer reviews of the bank speak about the convenience of the service. In addition, with this tool you have the opportunity to borrow money from the bank not in advance, paying for “unproductive” days, but immediately before the acquisition. If you didn’t pay by cash on the card at the ATM, but by acquiring, then you’ve done twice as reasonable, saving on the bank commission for withdrawing funds from the card account.
Another factor of choice is the developed corporate ATM infrastructure, which serves credit cards for Alfa-Bank. Customer reviews will also convince you of its reliability. From the experience of getting a salary, old acquaintances are standard card details: 16-digit card number, 10-digit card account number. But, as you know, a credit line will be additionally tied to a new credit card.
Arriving at the bank, you will certainly have to spend some time on registration. At the same time, you should have with you not only your passport with an identification number, but also a certificate of the dynamics of your income - tax certificate 2-NDFL. If the loan amount is significant, then help reduce the bank percentage of the certificate for the car, passport (if you have a trip abroad in the past 12 months), voluntary insurance policy. The department you contacted draws up a special package of documents - a loan application. Having completed it, it will be necessary to wait for consideration by the credit committee in order to receive credit cards from Alfa-Bank if the result is positive. The reviews indicate that in the practice generally accepted by domestic banks of approving loan applications, Alfa-Bank is quite efficient.
Decide in which currency the loan will be beneficial to you. If for purchases on the domestic market - in rubles, when traveling to Europe - in euros, if in the host country dollar payments prevail, then in dollars. Although, in principle, the cards are universal, but, as you know, buying in a domestic store with a dollar credit card will entail an additional conversion fee, which can be avoided by opening the card in rubles initially.
It makes sense to consult with employees of the department about optimal limits for cash withdrawals, especially if this credit card is needed for operations abroad. Alfa-Bank assumes moderate interest; do not worry about this. The lending limit for individuals is from 10.8 to 450 thousand rubles. The interest rate range for ruble lending is 17.99 / 28.99, while for foreign currency lending it is 15.99 / 26.99. The period of withdrawing money from a credit card without charging interest for them (grace period) is 60 days. But in the case of stocks, it increases to 100 days! That is, during this period, the borrower should pay the Bank.
What kind of credit cards should I choose from Alfa-Bank? Reviews do not make sense, everything is standard. There is a choice between Visa, MasterCard, MasterCard PayPass, Visa PayWave. The bottom line is that with all of the “classic” options listed above, the credit limit is 150 thousand rubles, 5 thousand US dollars, 3.8 thousand euros.
If your income falls into the category of "golden" credit cards, then it will be possible to choose in the "premium class". At your service are cards of the GOLD category, which open up special club benefits and services in hotels when traveling. In this case, credit limits will amount to 300 thousand rubles, 10 thousand US dollars, 7.6 thousand euros, respectively. For business trips abroad of wealthy citizens who value comfort and quality service, PLATINUM cards are best suited. Lending for this class of cards involves credit lines: 750 thousand rubles, 25 thousand US dollars, 19 thousand euros.
The term agreed upon by the bank for considering your loan application is 1–5 days. Good luck