The financial products of Bank Vozrozhdenie are popular among residents of large cities. One of the most popular tools is a credit card. About how to design it and use it correctly, we will describe in this article.
Bank Details
Since 2015, the bank has been a member of the PromSvyazCapital financial group. Today it has offices and branches in every major city in Russia. The financial institution serves both corporate clients and individuals. For private customers, the entire line of banking products is available:
- Making a loan, including a mortgage (that is, to purchase a home).
- Opening deposit accounts.
- Settlement and cash transactions.
- Debit and credit cards.
Bank employees try to take care of their customers: they develop new lending programs, favorable deposit conditions.
What is a Renaissance credit card?
Types of plastic cards
The bank has a whole line of credit cards, so the client can always choose the most suitable product. They have some similarities and differences among themselves, the higher the cost of annual maintenance, the greater the number of bonuses and offers that apply to credit cards.
You can apply for a Vozrozhdenie credit card at a branch or online.
Privilege Standard / Classic
The card is suitable for paying for purchases both abroad and in Russia. It can be provided as a guarantee of solvency when traveling outside the Russian Federation. Release is free. Cash can be withdrawn from the ATM of any bank. For registration, a certificate in the form of the employer is required. Credit limit up to 150 000 rubles. Interest rate - 22%. The maintenance fee is 250 rubles per year.
Basic Basic / Classic
The card can also be used both in Russia and abroad. The rules for cash withdrawals and payments are the same. For the issue, a certificate in the form of the bank is required. The credit limit is up to 100,000 rubles, the interest rate is 26%, the annual service is 500 rubles.
Privilege Gold
This is a Renaissance credit card with high quality services, special privileges. If the client loses it, a duplicate is issued to him very quickly. It can be delivered to any region of our country and even beyond its borders. Help is required in the form of a bank. The credit limit is 300,000 rubles, and the interest rate is from 18 to 22%, servicing is 750 rubles annually.
Basic Gold
I need help on the form of the bank. The credit limit is up to 150,000 rubles, the interest rate is 26%, the annual service is 1,500 rubles.
How to activate the credit card of Vozrozhdenie Bank, consider below.
Privilege Platinum
The card is issued only for VIP clients. It is intended for regular payment of purchases in the amount of not less than 10,000 US dollars. Card service is carried out at the highest level. To issue a credit card, you must submit a certificate in the form of a bank. Credit limit up to 1 000 000 rubles, interest rate - 20%. The bank will take 1,500 rubles for servicing the card.
Vozrozhdenie credit card rates are of interest to many.
Loyal Platinum
Also a card for privileged customers. The credit limit is up to 500,000 rubles, the interest rate is from 19 to 23%, the annual service is 1,500 rubles.
Terms of use of plastic cards
You can get a Vozrozhdenie credit card on conditions different from other financial institutions. Let's consider them in more detail:
- Calculation of the grace period is not quite a standard way, since its duration has a different duration. The term for refunding money to the card always approaches the end of the 25th day of the month in which you made purchases by credit card. That is, if the money was withdrawn on November 3, then they should be returned before November 25. If you made a purchase on November 27, then the money should be credited to the card until December 25. What other conditions for a Renaissance credit card are provided?
- The amount of the monthly payment is at least 5% of the amount owed, but not less than 100 rubles.
- The presence of a special mobile application allows you to track accrued interest and the general status of the account. Interest must be paid monthly.
- Money can be deposited through the cashier at the bank’s office, through online payments, at the ATM, at the Svyaznoy cash desk.
Before you make a purchase or decide to cash out, you must carefully read the contract and clarify for yourself all the contentious issues. Anything that is unclear can be clarified by phone at the employees of Vozrozhdenie Bank.
What is the credit card rate?
Different credit cards have different tariffs: it all depends on how long you have been a client of the bank, whether you have a salary card and how good a credit history is. Withdrawing cash through an ATM is possible, but you need to remember that the bank takes a percentage for this, which is 4% of the withdrawal amount, but no less than 200 rubles. If you use the services of a third-party ATM, this amount will increase to 400 rubles. Clients of Vozrozhdenie Bank, who have an excellent credit history, are offered the Loyal tariff, which implies favorable conditions and a minimum interest rate.
Design and required documents
In order for the Vozrozhdenie credit card to be successful, you must have: a Russian passport, a completed application form, photocopies of all pages of the passport, a military ID (for the stronger sex under the age of 27 years), copies of the work book with personnel service marks, information 2 -NDFL, income statement of the entrepreneur (if the client is an entrepreneur), the borrower's declaration of funds. All documents submitted by the client, as well as photocopies of the originals will be checked by the bank employees for authenticity.
In addition to the presentation of the indicated documents, the client must meet certain requirements. Namely, to be at least 21 years old, have Russian citizenship, a good credit history and registration in the region where he is going to receive a credit card. At the bank’s office, the client fills out the application form and makes a choice in favor of the option of a credit card that suits him the most. After signing the contract and accepting all the documents, the bank specialist will tell you when the card will be issued.
When issuing a credit card, a bank employee and a client should find out some questions:
- the client needs to make a choice in favor of the payment system - “Visa” or “MasterCard”;
- the employee must determine the limit on the card in accordance with the documents submitted (from 150,000 to one million rubles);
- the operator must inform the client about the size of the interest rate (from 18% to 26%), with which the latter must agree.
The bank employees inform the client that the card is ready by SMS message and by e-mail.
Is it possible to get a Renaissance credit card online?
Making a credit card through the Internet can significantly save time that can be spent on going to the bank office. So, if you want to draw up a card online, you need to go to the official website of Vozrozhdenie Bank.
On the site you will be asked to fill out an express form in which you must provide some information:
- whether you are a legal entity or an individual;
- personal data (name, date of birth, place of residence, contact details);
- Email address
- acceptable time for a call from a bank employee.
Then you need to click on the item "Issue a credit card." After that, you indicate data that are directly related to the loan and its execution. First of all, a tab is filled in to confirm income, it can be a 2-NDFL certificate or a document confirming income for an individual entrepreneur. Then you need to specify the method of receiving wages, the desired amount of the credit limit on the card and the maturity. All information specified in the documents is checked by the bank employees, therefore, when filling out the questionnaire, the most truthful data should be indicated. The bank may refuse to receive a credit card if during the check there are discrepancies between the data that you provided and those that are in reality.
How is card debt repaid?
In order to repay the loan amount in the right amount, you need to know the exact repayment amount. Such information can be obtained in the "My Account", in the support service or by using an SMS request. However, the bank informs its customers about the amount of debt automatically. The message usually contains two amounts: one is the payment amount for the interest-free period, and the other is the minimum monthly payment.
Money can be deposited through ATMs or cash registers, through ATMs of other banks, using an online payment service. To make the process of depositing money through an electronic application as simple as possible, the bank’s customers can save a payment template, which is saved once and then used as needed.
If you can’t remember the PIN
Restoring a PIN code requires some action. You should call the bank service on the phone printed on the back of the card and report the problem. In the process of talking with the operator, you will need passport and credit card information. After a while, you can pick up a reissued card with a different PIN code. It cannot be restored, since it is not known to any employee of the bank, it is not stored anywhere, the client receives it in a closed envelope.
Vozrozhdenie credit card reviews
According to customer reviews, the following conclusions can be drawn: a flexible line of interest rates for customers with experience or holders of debit cards is noted as the main plus of these cards. In addition, customers are pleased with the presence of a variety of bonus programs, a low interest rate in the first months for privileged cards, a simple registration procedure and relatively inexpensive annual service. From the negative impressions, it should be noted that the bank is not very loyal to new customers, which predetermines very low limits for them. In addition, usually cardholders are unhappy that the period of validity of low interest ends very quickly. In most cases, according to users of credit multiples, subject to the conditions of the bank, and also if there is no need for very large amounts, these credit cards are the best option for customers.
Is it worth it to open a Renaissance credit card, you decide.