Vostochny Bank was established in Blagoveshchensk twenty-six years ago and today it is one of the largest private Russian financial organizations in the retail sector. This institution has one of the most extensive regional networks. Joining Uniastrum Bank to this institution, which took place at the beginning of this year, made it possible to increase business performance, and in addition, to increase the reliability of the presented structure. Learn more about this financial institution, features and lending services.
Reviews on the credit card of the "Eastern Bank" will be considered at the end of the article.
Bank Information
Today, its net assets are two hundred eighty seven billion rubles. At the same time, the volume of the retail loan portfolio is one hundred seventeen billion. As for the retail deposit portfolio, here we are talking about the amount of one hundred forty-seven billion rubles. After the merger of banking structures, the presented system has over seven hundred branches.
This financial institution is a member of the deposit insurance system and is included in the register of credit organizations, which were recognized by the Bank of Russia as a significant structure in the payment services market. This organization is also included in the published list of credit institutions that meet the requirements for placement of funds of pension savings by non-state funds. Forbes magazine included him in the rating of the hundred most reliable Russian financial institutions.
Reviews on the credit card of Vostochny Express Bank are abundant.
This credit institution takes part in government programs aimed at business development. This institution independently creates various projects for the development of entrepreneurship. For example, a program for lending to women in business. As part of its development strategy, this bank places great emphasis on providing quality financial services for residents of Russian regions. In addition, Vostochny Bank operates not only in large cities, but also in a large number of small areas, which many large financial organizations avoid.
Reviews on the credit card of Vostochny Express Bank are of interest to many.
Loans to individuals
All types of loans for individuals from Vostochny Bank are designed to provide assistance in choosing the most convenient option for the client. The choice is made, as a rule, by such indicators as the amount, interest rate along with the full cost of the loan, as well as the length of the repayment period and the possibility of additional security due to the pledge. Favorable conditions in conjunction with a simple procedure for processing the necessary documents in the "East Bank" make it possible to use the funds for a variety of life situations:
- Providing a quick loan to make planned purchases in the amount of up to fifty thousand rubles.
- Making a favorable loan for the purchase of a car.
- Selection of a consumer loan for serious acquisitions in the amount of at least two hundred thousand rubles and more.
- The need to obtain a loan with collateral in the amount of up to fifteen million rubles.
Filing an application
Getting a loan for individuals, as a rule, begins with the submission of an application for consideration, which is quite simple to do. The client can fill out his application at any of the bank's branches, which are located throughout the country. In addition, Vostochny Bank has a flexible system for receiving requests for loans to individuals, for this it is not necessary to personally come to the department of a financial institution:
- It is possible to use the online service to submit an application directly on the bank's website, within which you can get a preliminary decision within a few minutes.
- To get a response from employees about the final decision, the client can contact the information service at the bank's toll free number.
- In the event that you need to consult on the terms of loans for individuals, you will need to fill out an abridged application form on the organization’s website or order a call from an employee who will call back within ten minutes.
The Bank claims that customers' applications for a loan are considered as soon as possible. In cases where a positive decision is provided, a person may draw up a contract within twenty-seven days.
According to reviews, the credit card of Vostochny Express Bank is more popular than consumer loans. About it further.
Terms of loans for individuals
This financial institution has lending programs that are comfortable for customers. The main types of consumer lending are drawn up according to the passport without the requirement to provide additional income statements and the like at the Vostochny Express bank. Credit reviews confirm this.
To obtain approval from the bank for certain types of loans, which are designed for a large amount with the lowest interest rate, additional documents may be required that confirm the level of income:
- Information on form 2-personal income tax or on the model of the bank.
- Documents that confirm the borrower's employment, as well as his work experience.
Interest rates on loans for individuals in this bank are determined by the amount that the client wishes to receive, and, in addition, by the maturity and the availability of additional collateral.
Below will be presented the feedback of the credit card holders of Vostochny Express Bank
Lending conditions for legal entities
This financial institution offers legal entities a number of the following advantages:
- The possibility of delaying the cancellation, which directly depends on the seasonality of the business of a particular client.
- Providing full or partial prepayment.
- Flexibility in the approach to collateral.
Vostochny Bank provides loans to legal entities in rubles in the amount of three million rubles for a period of up to twelve months. In this case, borrowers are required to pay a monthly interest payment according to the schedule. The loan is secured by real estate and movable property, in addition, a guarantee is required from the owners of the business. As a rule, after a legal entity applies to the bank, the final decision is communicated to him after an analysis of the financial and economic activities of the borrower's business.
Credit Reviews
Credit reviews in this bank are contradictory. Someone likes that loan approval happens more often than failure. In order to become a client, it is enough to have a good credit history. But the rest of the people are outraged by the huge interest, forfeits and hidden commissions. The amount of overpayment is very large. Dissatisfied borrowers do not recommend taking funds from this bank.
Credit cards of "East Bank"
A credit card is a convenient and profitable financial tool that serves as an alternative to a conventional consumer loan. With this card you can pay for goods and services, as well as store your own money on it. Obtaining a credit card from Vostochny Bank provides a number of the following advantages:
- Losing money from the card is not possible. In the event that it is lost, it simply can be blocked.
- A credit card intended for individuals makes it possible to take part in various promotions, and in addition to receive discounts, gifts and bonuses.
- In most situations, cards have an interest-free period. In the event that the client returns the money on time, he will not pay interest and uses the bank’s funds for free.
- Often, the conditions of credit cards are to return part of the money spent on purchases to the client’s account, that is, we are talking about a cash back.
- Having a card in hand, it can be used many times, without thinking about how to reach the salary, and without denying yourself any pleasures.
"Youth"
Consider a Youth credit card from Vostochny Bank and reviews about it.
The product is different:
- The rate is from 29.9% to 78.9%.
- A credit limit of up to 300,000 rubles.
- Grace period up to 56 days.
- The cost of the issue is 200 rubles.
- No fee for the first year of service.
- Interest on the balance of the account.
- The ability to issue a card with a chip.
Reviews on the credit card "Youth" Bank "Orient Express" are contradictory. It is convenient to have it in your wallet in case of unforeseen expenses. Of course, using it constantly can be unprofitable, since a very large percentage of it.
"Seasonal"
Reviews on the Seasonal credit card from Vostochny Express Bank are also available in large numbers.
It is characterized by:
- The rate is from 29.9% to 51.9%.
- A credit limit of up to 300,000 rubles.
- Grace period up to 56 days.
- The payment for the issue is 1000 rubles.
- The cost of the first year of service is zero rubles.
- Interest on the balance of the account.
- The ability to issue a card with a chip.
"Simply"
Let's talk about the credit card "Just" Bank "Orient Express".
Reviews are given below. Is different:
- 0% rate.
- A credit limit of up to 120,000 rubles.
- Grace period up to 1850 days.
- No release fee.
- The fee for the first year of service is 950 rubles.
- Interest on the balance of the account.
- The ability to issue a card with a chip.
According to reviews, the credit card "Basic" Bank "Orient Express" for many customers is absolutely unnecessary. It is issued as an alternative, in the event that at the moment it is impossible to issue other bank products.
Individually for each client the initial limit on the card and the interest rate are set, and after three months the loan may increase to 300,000 rubles.
How can I get a credit card from Vostochny Bank?
In order to order this payment instrument, it is not at all necessary to go to the bank, but you can draw up a card online. To do this, on the page with a list of credit cards, you need to choose the one that is most suitable, and then go directly to placing the order. After the client enters the necessary information on the form, the bank employee will issue a card for him and send it by courier or by mail. As a rule, obtaining a credit card requires very little time. Reviews on Vostochny Bank's Prosto credit card are listed below.
This organization gives its customers the opportunity not only to order a credit card through the Internet, but also to open a deposit or get a loan, and, in addition, exchange currency. In addition, in this financial organization you can purchase a certificate for legal advice.
Credit card selection options at Vostochny Bank
The card should be selected according to the following criteria:
- Credit Card Rates. This criterion assumes the interest required to be paid if the client did not manage to make timely payments to his payment system.
- The amount that the cardholder can receive at a time. This amount is called a credit limit. This criterion is fundamentally different for certain credit cards.
- Grace period, that is, grace time during which a person can use the money of the bank in interest-free mode. It is worth saying that the longer it is, the better.
- Inclusion of additional functions in the card. That is, the opportunity to participate in various promotions, the right to receive bonuses and so on.
Desires and Opportunities
When choosing a credit card, you should measure your desires with your abilities. In addition, you need to carefully study the terms of use of the payment instrument, and it is best to call the "East Bank" for advice on various services. Employees of the organization will always help customers with the correct selection of cards and will report on additional services, and, in addition, will tell you how to place an order. A correctly selected credit card can make life more convenient and secure. We will now find out what the customers of Vostochny Bank think about its services.
Reviews on credit cards of Vostochny Express Bank
Unfortunately, reviews about the work of this bank on the Internet are mostly negative. Mostly dissatisfied with customers who took a consumer loan from this financial institution.
People write that after they happen to become a client of this bank, they are constantly distracted by calls in order to lure and impose the next loan. And any call termination requirements remain unfulfilled. In addition, the incompetence of personnel who are not always able to clearly and adequately advise on certain issues is often reported.
It is also reported that there are often cases when Vostochny Bank employees initially call one interest rate to lure another client, and when it comes to signing an agreement, it turns out that the value is already completely different, and the conditions are not at all as favorable as promised.
Thus, based on the feedback, it can be said that the majority of consumers are dissatisfied with the activities of this bank and believes that this financial institution does not value its customers, but only tries to lure them in every way to conclude another contract, terrorizing them with endless calls.
We reviewed the reviews on loans and credit cards of Vostochny Express Bank.