In the article, we will consider how to draw up a Post Bank card.
A popular banking organization has its origins since the inception of Summer Bank PJSC, which at one time was distinguished by the development, implementation and active use of modern technologies for consumer lending without using a cash register. Also included here is the Summer Money branch.
Working with clients this way can be done remotely, which was picked up by numerous microfinance organizations. The company was part of VTB Group, which provided significant financial support and the possibility of mutually beneficial use of resources.
The advantages of using debit and credit cards as a tool for paying for services and goods are obvious, ranging from the convenience of non-cash settlements, using terminals at retail self-service points and organizations, ending with a variety of discounts on a variety of affiliate programs and cashback from the bank.
Many people wonder where to apply for a Post Bank card.
Grace period
A popular service today are bank cards with a grace period. You can easily get such a loan at the Russian Post Office. Interest and conditions can be selected independently. Credit cards received at Post Bank branches may be without interest with an extended period. You can order such a card from an employee of this bank online, using the Internet, and issuing a Post Bank card is easy.
Credit cards
The credit card terms of this bank allow you to draw up and use borrowed money without the need to pay interest within 60 or 120 days. If you pay funds to the account on time, then the loan for the client will be absolutely free, not counting the service of the card itself. If the grace period is insufficient to pay off the debt, you can make the minimum monthly payments.
It is possible to get a Post Bank credit card from the age of 21 years. To do this, you must come to the office or send an application online. In this case, it is necessary to confirm employment. The application is considered very quickly, without providing various unnecessary references.
Postal express
This credit card requires an easy limit. It can be issued by choosing the largest amount of money in 5, 10 or 15 thousand rubles. It should be remembered that the size of the commission for defaulting on the due date depends on the credit limit.
All cards issued by Post Bank, including the Express card, are supported by 3-D Secure security technology, have a special chip and magnetic tape. You can withdraw funds from the account at any VTB ATMs, without paying interest. Using SMS informing in the first two months after opening such a card is absolutely free. In the future, payment will be 49 rubles per month.
The terms of use of the Express cards determine that a one-time spending on such a card is available in the amount of 5,000 rubles. In a month, its size increases to 30,000 rubles. You can store personal money on it, no interest is accrued on their balance. For cash withdrawal at an ATM, a fee of 300 rubles is charged.
Next, we’ll tell you how to get a Post Bank credit card for 120 days.
Element 120
This is one of the few offers with a long grace period (120 days). This service is quite practical, since all borrowers receive a monthly income and manage to deposit funds to the account on time.
It is possible to issue such a card if you provide the necessary information about the organization in which the client works. The Express 120 card is issued without providing income statements. You can get an amount from 10 to 500 thousand rubles. Interest rates in cases of non-repayment of debt in the grace period are 27.9% per annum. In addition to borrowed cards, you can store your own money on the card account, however, the interest is not calculated on the balance. SMS informing will cost 588 rubles a year.
In order to draw up a Post Bank card, a male borrower must be at least 21 years old and not more than 65 years old. For women, this figure is slightly different - from 18 to 70 years. It is important that the applicant has a good credit history, otherwise the financial institution may refuse to grant a loan.
In the absence of loan arrears, the annual service is 900 rubles for the first 2 years. In addition, the commission is charged for the withdrawal of funds from a plastic card and amounts to 5.9% of the total amount (at least 300 rubles).
If the client wants to change the PIN code, then a commission is also provided for this, which is 30 rubles. The credit cards issued by this organization have a special option. For example, each client can set a convenient payment date for him, the commission for such a service is 300 rubles.
Green World Map
Such a product, "Bank Post" is specially designed for customers who would like to not only pay for purchases with a credit card, but also participate in various charity programs. A feature of lending with a Green Card is that for every 3,000 rubles spent from it during the month, a financial institution pays for planting one tree.
This banking product can be issued on general terms to all employed citizens of Russia over the age of 21 years. You can order the Green World card at any branch of the bank.
You can also remotely apply for a Post Bank card.
The interest rate on loans varies between 19.8-29.8% per annum. The interest is calculated every month in case of non-payment of debts for the grace period. The minimum payment amount should be 5% of the total debt monthly. The loan limit is up to 500,000 rubles. The time of free use of borrowed funds is 60 days.
An application to Pochta Bank for this credit card can be considered if the applicant has a good credit history, registration at the place of applying for a loan and official work. Plastic is made in an attractive design, has a chip, magnetic tape and a protective system for online purchases.
Making a debit card for Post Bank is simple.
Debit cards
Debit cards are a relatively new economic product that opens up many additional opportunities for customers. The card is presented in two varieties: the classic one, which has a physical medium, and the virtual one, which is issued without a visit to the bank’s office, through an online appeal. For each of them, different conditions are offered. For example, the Green Card helps not only to withdraw cash and pay for purchases, but also to green the planet. Interest on cash withdrawals and account replenishment is not provided.
The Green World and the virtual map are very simple and easy to use. The requirements and conditions are minimal.
Virtual card
This card is an excellent tool for performing various operations related to purchases on the Internet. The presence of additional insurance makes it very different from its analogues. There is no interest charge when replenishing an account.
The virtual card is not physically issued, only its number is issued. In this case, the procedure for receiving it by the client can be carried out without a visit to the bank. A virtual debit card helps to make any purchases without waiting for a salary. The conditions for its use practically do not differ from simple credit cards.
Benefits
A virtual card has the following advantages:
- secure payment of services and goods on the Internet;
- instant release, and no commission is provided for it;
- the procedure is carried out without visiting the bank;
- no interest is charged when replenishing an account.
Where it is possible to issue a Post Bank card, it is important to find out in advance.
A virtual card will be available after registration on the official website. For active users, a special bonus program is provided. With regular payments via the Internet for a sum of money from 8,000 rubles, a privilege package is automatically connected to the client, which helps the client to protect themselves from low-quality purchases and difficulties encountered in the process.
We examined how to apply for a Post Bank card.