Everyone in life has moments when a few thousand rubles are not enough to buy household appliances or a mobile phone, and a few more days to pay. An excellent way out of this situation can be a Home Credit credit card. The conditions for using this option are so simple and convenient that it gains more and more popularity among the population of the Russian Federation.
The interest rate on this type of loan always remains quite high. In Home Credit Bank, such a service is provided at 24.9-44.9 percent per annum, but remains the most popular among consumers. This situation has arisen because of the grace period - the time when the borrower can use the financial resources of a financial institution for free. Home Credit credit cards, reviews of which allow you to add diametrically opposed opinions, provide the service of using a 0% loan for 51 days from the last reporting period. During this period, the user can return the borrowed money and not pay a dime more.
Home Credit credit cards, reviews of which can be easily found, provide a revolving credit line - this means that once a credit card is received, a borrower can receive funds at any time when he has no debt. Thus, having repaid the current loan, you can immediately take a new one. However, it is necessary to understand exactly when the
grace period began
. Many people mistakenly believe that it starts from the moment of receiving the money, and therefore then are forced to pay a huge, by the standards of consumer lending, interest rate.
Home Credit Bank - credit card, registration and use
Consumer lending is the main focus of the financial institution, which stimulates the development of plastic cards. Today, you can get a credit card at the bank within an hour by writing an application form and presenting a passport. After checking that the borrower has debts, the bank gives either a positive answer to the card issuance or a negative one.
In the absence of free time, you can get Home Credit credit cards, reviews of which are available on a variety of specialized resources, online. To do this, go to the bank’s official page and fill out the corresponding application form. It must specify the contact phone number and a list of documents that the borrower is ready to provide to the bank. Notification of the decision of the bank will come within half an hour or an hour. The manager of the credit department of the bank will call the indicated phone number and inform about the decision. After that, the client will have to come to the nearest branch of the financial organization and pick up his credit card.
Home Credit credit cards, the opinions of experts about which, however, are ambiguous, are today one of the most convenient means of non-cash payment. In addition, the bank cooperates with a huge number of different chain stores, which allows its customers not only to save on purchases, but also to receive some of the spent money back to their account.