A credit card is a plastic card that is provided by banks to a client on the terms of a loan agreement. It is used to carry out operations in which the bank’s money is used. Today it is the most convenient option for making payments or storing your money. One of the most popular in Russia is the Tinkoff card.
User reviews show that it has a number of positive qualities. So, the grace period lasts up to 55 days. This means that its holder during this period uses the card without interest. Speaking in a more accessible language, if you pay with a credit card any product and during the aforementioned period repay the debt, then
bank interest on the loan is not charged.
There is another plus that the Tinkoff card has. The reviews show that the funds provided by the bank can reach 300,000 rubles. In addition, it is possible to repay a loan throughout Russia without a commission. As for the minimum payment, it does not exceed 6 percent of the debt. This is significantly less than, for example, in Svyaznoy Bank, where the minimum repayment amount does not depend on the amount of debt, but has a fixed rate.
Card service in the first year is free of charge. In subsequent years, a fee of 590 rubles will be charged.
The interest for withdrawing the amount of money depends on the tariff plan according to which a specific Tinkoff card is issued. The reviews show that they are not very different from the percentages of other banks when making such a transaction and amount to 3% + 290 rubles. As can be seen from the above, withdrawing small amounts is unprofitable. If the purchase is made by bank transfer, then these percentages are not withdrawn.
An application for its receipt can be left on the official website of the bank. Issuing a card is slightly different from similar processes in other similar institutions. So, if your application is approved, it is delivered by courier to your home. An agreement is signed here and a Tinkoff card is provided. Reviews show that when making a decision, the bank pays special attention to credit history. If there are at least some comments on your candidacy, the chances of getting this card are greatly reduced.
Tinkoff Bank provides several types of credit cards: Tinkoff Platinum, Tinkoff Odnoklassniki and the Golden Book World credit card. The first credit card that was issued in 2007 was the Tinkoff Platinum card. The reviews show that its main advantage is a rather large credit limit and 24.9% per annum, which is much less than in other banks. This rate applies to all purchases made by bank transfer. The validity period of the card is 3 years, then it is extended, since the loan term is unlimited.
Reviews of the Tinkoff card show that almost all of their holders are satisfied with this banking product. She is an indispensable assistant in case of financial difficulties. Plus, it’s a quick registration process, in which you do not need to confirm income information with a certificate .