Since 2006, the commercial bank of a successful entrepreneur Oleg Tinkov has been operating in Russia. The full name of the organization he created is Tinkoff Credit Systems. Over the eleven years of its existence, the company was able to bring to the lending market an extensive range of convenient products, including credit cards. Many bank customers are wondering: how to increase the credit limit on the Tinkoff Platinum card?
In modern reality, credit cards have become a commonplace in almost every person. I must say that they are very convenient to use, since cashless payments in salons and stores can save time. When income cards appeared , they began to bring not only benefits, but also benefits, since the frequency of use directly affects the receipt of bonuses, while interest is accrued on the funds remaining in the account.
About the bank
Thebanker International Magazine recognized TKS Bank as the Bank of 2013 among all credit organizations operating in Russia. In addition, the banking journal Globalfinance considers Tinkoff the best online retail banking. TKS provides the opportunity to purchase such popular credit cards as All Airlines and Tinkoff Platinum.
The product line is constantly being improved, which is very convenient. Many people want to increase the credit card limit of Tinkoff Bank.
Platinum Card
You can connect a special credit limit within three hundred thousand rubles. For its issuance, the bank does not require any certificates or guarantors from the client. The procedure is very simple: the card will be sent to the address indicated in the statement written in the online mode. The client will only need to leave his signature on the back of the purchased card and then calmly use the credit card. In addition, the bank provides for the possibility of an interest-free grace period for using credit funds within fifty five days after the money was withdrawn. For a monthly payment, the lowest interest rate is quite low - only six percent. An account on a card is replenished without interest, since no commission is charged for financial transactions that are conducted through TKS partners.
For what reason do clients of this credit organization often ask a question about how to increase a credit limit on a Tinkoff Bank card? The fact is that credit cards are issued by the bank to almost anyone who wants it. But to minimize the risk of outstanding debts, employees set a minimum limit on the card. Moreover, the amount can indeed be very small - only a few thousand rubles. Of course, this alignment is clearly not all right.
Making a credit card and setting a credit limit
It takes only five minutes of the client’s time to complete an application on the bank’s website to receive a Tinkoff Platinum card. The procedure includes the following simple steps:
- Indication of surname, name, patronymic and contact information;
- filling in the fields that are intended for the passport data of the client (series and number, place and date of receipt, unit code, place and date of birth of the person recorded in the document that confirms the identity);
- permanent registration address with zip code inclusive, region of residence, if available - landline phone number;
- information on labor activity (organization name, length of service, position, location address and telephone number);
- personal information (about marital status, number of children, information about education, car make, if any, the amount of monthly income and expenses on rental housing and loan payments to other banks).
After that, the system requires the indication of a code word and date in order to further activate the card. As soon as these data are entered, a confirmation code will automatically be sent to the customer’s phone number.
Then you need to click on the "Issue" button, after which you need to take the last step in the design of the card. Within sixty seconds you need to enter the code received on the phone and confirm the issuance of the card.
It is important to know in advance how to increase the credit limit on a Tinkoff Bank card.
Minimum amount
First, the bank will send such a credit card on which there will be a minimum limit - ranging from five to ten thousand rubles. Naturally, such an amount is clearly not enough to make purchases. That is why the bank provides an opportunity to increase the limit for those customers who regularly make payments on loans. It is not worth counting immediately on increasing the limit to the maximum, since the bank carefully monitors the movements of finances in the accounts, no one will risk providing large amounts of money for use. However, over time, the available funds on the card can be increased if there is a high guaranteed and stable income, low expenses and a positive credit history of the client.
Is it possible to increase the credit card limit of Tinkoff Bank as much as possible?
One of the most effective ways to help increase the limit on the card is to convince bank specialists even during the registration of a loan product that you need a larger amount. Own solvency can be confirmed by the following documents:
- a certificate confirming the size of the salary, that is, 2-personal income tax;
- information on the use of the Tinkoff pension or salary card;
- information on the existing deposit in the bank;
- confirmation of ownership of real estate;
- copy of the vehicle registration certificate.
If you have documents on hand that can convince the bank of the ability to repay large amounts taken on credit, you need not be afraid to attach such information to the application. As a result, you won’t have to wonder how to increase the limit of Tinkoff Bank’s credit card.
It is also possible at the first stage of ordering a card through the website to specify the credit limit desired for the client. The possibility of accepting this application in the future is not ruled out.
Regular purchases
Another way to increase your credit limit is to make regular purchases during the operation of the card with all the funds that are provided on it. It’s best to make at least fifty transactions every month. Naturally, the loan should be returned in full and on time. This is good advice on how to increase your credit limit on a Tinkoff card. Reviews confirm this.
Conclusion
Using the card, you can pay for utilities, make purchases, make transfers to other cards, cash out money at ATMs and at the same time return the funds spent to the balance on time. For this purpose, the bank provides fifty-five days. In addition, you can return the money in parts.
But, even if there is an overdue payment, it is perfectly acceptable to attempt to address the issue of how to increase the credit limit on a Tinkoff Bank card. There are no penalties for this.