A credit plastic card is a convenient financial tool with which the owner pays for various goods and services. Having issued a credit card at Alfa Bank, according to reviews, you can pay the debt on favorable terms. You can close your credit card in full or in part. Today, bank customers can choose the most suitable solution for themselves from a wide range of offers.
The principle of using a credit card
Today, a lot of people borrow money from banking organizations. Some of the borrowers fall into unpleasant situations due to their own ignorance and lack of knowledge about basic things. For the most effective use of credit cards, it is important to understand what the principle of operation of this financial instrument is.
A client submits an application for a credit card to Alfa-Bank. After approving the loan, you must sign the corresponding agreement - from this day the fiscal year begins. From the moment of making the first purchase on the card, the borrower is accrued interest on the use of funds, which must be repaid along with the loan body and the card service fee. In case of untimely making payments on the loan, the credit is debited and the debt to the bank increases.
Regardless of the selected lending program, throughout the entire period the client will be charged monthly bank commission for servicing the card. This amount is negligible, but still this must be taken into account.
Borrowed money without interest
According to reviews, a credit card from Alfa-Bank “100 days without%” is the most popular program among the company's customers. Types of credit cards are determined by the size of the issued cash limit. The card can be of three types:
- Classic (limit 300 thousand rubles).
- Gold (limit 500 thousand rubles).
- Platinum (1 million rubles).
A feature of this loan program is to provide the client with the opportunity to repay the debt without interest. When applying for a card, you can choose one of the Visa and MasterCard payment systems. All Alfa-Bank credit cards are equipped with carriers for contactless payments.
What's the catch
If you want to get a 100 days credit card at Alfa Bank, according to reviews, you need to carefully weigh all the pros and cons of such a transaction. A credit card with a credit card is not just a plastic wallet that is always convenient to carry and spend whatever you want. The provision of a loan is a service of a financial organization, the use of which implies the imposition of certain obligations on a client. Not all Alfa-Bank credit card holders, according to reviews, cope with the encumbrances imposed on them.
Profitable use of a credit card can only be a person responsible and disciplined. These qualities, without which it will not be possible to effectively manage the borrowed money, should be possessed by every client who is ready to sign an agreement. But in practice things are somewhat different.
Few people think why banks are so willing to provide people with favorable conditions and give a delay, allowing you to not pay interest. In fact, Alfa-Bank is the last to think about the well-being and financial benefits of its customers. No matter how strange it may sound, but, in fact, financial organizations earn on the inability of citizens to spend their money rationally, which often leads to an inability to timely repay existing debts in a short period. As a result, the borrower has to pay not only large interest for the use of credit funds, but also penalties.
Lending terms
Thus, when issuing an Alfa-Bank credit card “100 days without%”, most customers expect that they can repay the debt before the grace period expires. To use other people's money for free, it is enough to simply pay off the debt within the established one hundred days. In general, the algorithm looks like this:
- The borrower draws up a card.
- After the first withdrawal from a credit card, Alfa-Bank begins to operate a grace period of 100 days.
- Before the expiration of the interest-free period, the cardholder must make monthly payments in the amount of at least 5% of the amount owed and pay a fee for using a credit card.
- Before the grace period ends , the borrower must pay the remaining amount of debt. Otherwise, interest will begin to accrue.
The client is exempted from paying interest only if he manages to return the money spent within 100 days. Alfa Bank’s credit card condition is also beneficial because the grace period is valid not only when paying for goods or services, but also when withdrawing cash. Moreover, during the grace period, the card holder can perform other operations, however, the countdown will go from the moment the card is activated.
After all the missing amount is refunded, interest-free conditions are returned again and will be valid for the next 100 days from the moment of the first card transaction. If, at the end of the grace period, only part of the debt is returned, the bank will begin to charge interest on the remaining debt.
Minimum Payment Amount
Convenient conditions for Alfa-Bank credit cards in the reviews are noted by almost all users who have managed to process this banking product. Positive feedback also applies to the minimum payment, which acts as a guarantee of the solvency of customers. Every month, until the end of the interest-free period, it is necessary to deposit at least 5% of the debt amount, but not less than 300 rubles. Thus, by the time of repayment, the debt will be reduced by 15%. As soon as the remaining 85% of the loan body is paid, the borrower will again be given a grace period.
You can find out about the amount spent, the balance on the balance sheet and the recommended payment date through an ATM, requesting an extract, or at a bank branch. You can also get this service through the mobile application or in your account on the official website. Clients who have SMS alerts connected receive a reminder from the bank about upcoming card replenishment.
Making a monthly payment, even a minimal one, is very important. With the regular receipt of the required amount, the solvency of the client is confirmed. In case of delay, the bank may interrupt the grace period on the card, which means that interest will be charged on the entire outstanding amount.
Judging by the reviews, Alfa-Bank’s credit card is chosen not only because of the ability to make cashless transactions, but also to withdraw money from an ATM. If you do this during the grace period, then you do not have to pay interest on the use of credit funds. The only thing worth noting is the limit. You can’t withdraw more than 50 thousand rubles from Alfa-Bank’s credit card. per month. In case of exceeding the limits, a commission of 3.9 to 5.9% is levied on the amount issued. Moreover, the commission is not charged for the entire amount, but only for that part that exceeds 50 thousand rubles.
How to get a credit card
To order a card, you need to perform three simple steps:
- fill out an application on the Alfa-Bank website;
- wait for a decision on issuing a card;
- provide the bank branch with the documents specified when filling out the questionnaire.
This financial institution has very standard requirements for potential borrowers. Only adult citizens of the Russian Federation who have a permanent monthly income of at least a living wage after deduction of taxes and compulsory insurance contributions can apply for Alfa-Bank credit cards on the conditions described above. For each region, this indicator may vary significantly. For example, for Moscow the cost of living is 16,463 rubles, and for Belgorod - 8,281 rubles. Be sure to include contact details, including home and work phones, place of registration and actual address. To obtain Alfa-Bank’s credit card directly, a passport and any of the following documents are required:
- driver's license;
- SNILS;
- TIN;
- any bank card.
In addition, it is recommended to provide documents that are not mandatory, but increase the chances of approving a loan:
- STS of a car not older than 4 years;
- a passport containing information about trips abroad;
- voluntary medical insurance policy;
- CASCO;
- statement of the balance of deposit funds.
By providing a certificate of income in the form of 2-NDFL or in the form of a bank, the client not only increases the likelihood of approving the loan, but also provides himself with a lower interest rate on the loan.
Using a card will be really beneficial only if the borrower manages to put it in a 100-day period and he does not have to pay interest calculated for the funds used. Ideally, Alfa-Bank’s credit card “100 days without%” will have to overpay no more than three hundred rubles (about 100 rubles are debited for card service monthly). In the future, it all depends on whether the borrower has time to repay the amount borrowed from the bank on time. Otherwise, in the first month after the grace period, the client will have to pay a tidy sum for the accrued interest and late fees.
How to close a debt
You can pay off Alfa-Bank’s credit card in any of the following ways:
- in cash through ATMs and terminals of the company or at the cash desks of partner banks, in which a service fee is not charged (a list of partner banks is available on the official website);
- online transfer via the Alfa-Mobile mobile application or Alfa-Click online banking (with their help, you can make dozens of other financial transactions);
- SMS transfer to a credit card number;
- electronic money system WebMoney, Yandex.Money, Qiwi.
The last three options will become especially useful if the client does not have the opportunity to go to the bank, and payment must be made urgently. In this case, ways to remotely make payments will help to save the situation. The most convenient option is to pay via the Internet, because in this case the borrower does not need to go anywhere, you can pay at any convenient time, regardless of the time of day. In addition, understanding the operation of virtual services is not as difficult as it might seem at first glance. All that is required is to study the special instructions. If you follow it, you can easily make a payment.
What is the danger of delay
If the loan was not paid on time or the missing amount was paid, a fee will be charged to the client for violating the clauses of the contract. An overdue payment is the basis for a bank imposing penalties in the amount of 1% of the total debt for each day of delay. Moreover, debt repayment is allowed on any day. If you deposit the amount through the application or transfer from another card, you can do this even on a weekend. The calculation of penalty interest is calculated by the amount of debt and the number of days of delay.
Lending programs of the “100 days without%” line
Regardless of the chosen tariff, the card issue is free, there is also no commission for withdrawing cash. The rate at which interest will be accrued in case of non-payment of debt on time is the same. It is from 23.99%.
There are three loan programs, the participants of which can use the grace period and not pay interest for using the loan for 100 days:
- Classic (limit 300 thousand rubles) - the cost of annual card maintenance is 1190 rubles.
- Gold (limit 500 thousand rubles) - the annual maintenance price is set at 2,990 rubles.
- Platinum (1 million rubles) - for the service of the card for 12 months a fee of at least 5490 rubles is charged.
According to reviews, the terms of Alfa-Bank credit cards “100 days without%” are the same. The main difference is the size of the credit limit and the cost of the commission for annual servicing. And you can’t say exactly what interest rate will be offered to the client. For each potential borrower, it is calculated individually. To minimize it, you need to confirm your solvency and provide as many documents as possible. In this case, the bank will be able to offer the most favorable credit conditions.
What does the credit limit depend on?
This value is set personally for each client. The maximum loan amount may be 1 million rubles. Making a decision on approval of the application and considering the size of the loan, the bank is guided by:
- customer credit history;
- the presence of documents provided for processing the card;
- the frequency of credit card transactions (if the applicant is already its owner);
- payment schedule (whether it was followed by the cardholder earlier);
- timeliness. repayment of debt.
Assigning a maximum credit limit does not mean at all that the client must make a purchase or cash out the entire available amount assigned by the bank.
Reviews on Alfa-Bank credit cards
All products of the “100 days without%” line seem very attractive to the population. But if we turn to the reviews of those who already had experience using Alfa-Bank credit cards, we can highlight not only positive aspects. But still, let's start with the benefits.
People opt for this bank because of the provision of a long period of soft loans. After all, 100 days is a little more than three months. This time is enough to spend other people's money and not pay for it. Another issue is the return of the borrowed amount. After all, before the end of the grace period, you need to return the entire amount, otherwise, interest will begin to accrue. With this, many have serious difficulties.
Another advantage, according to users, is the ability to withdraw cash from a card at ATMs. Alfa-Bank set a sufficiently large limit for the monthly withdrawal of credit funds without commission - 50 thousand rubles. Customers also like the fact that it is possible to issue an Alfa-Bank credit card in 10 minutes, but in this case we are talking directly about issuing a finished card. To get it, first, in a few days you need to submit an online application. If you believe the reviews, the approval of Alfa-Bank’s credit card, as a rule, takes place in a few minutes. All that remains is to pick up the finished card at the nearest branch of Alfa-Bank at any convenient time.
By the way, in case of any problems with a plastic card, the client does not need to come to the bank. Operators resolve all issues over the phone. All you need is to name a code word that is known only to the holder of the credit card.
Speaking about the shortcomings of Alfa Bank lending, it is worth noting the expensive annual service and the high interest rate that borrowers have to pay for using credit funds. Judging by the reviews, interest on Alfa-Bank’s credit card “100 days without%” is often the main obstacle to contacting this company. Today you can find more affordable options.
Often the client express dissatisfaction due to the lack of all necessary information on the official website. In particular, there is no information on penalties for late payments. For many, this is a big minus, since people do not want to buy a pig in a poke. No valuable information except standard advertising promises can be found on the site.
Unpleasantly surprised by borrowers and the lack of bonus cashback programs that operate in the loan programs of banks such as Tinkoff, VTB, Raiffeisenbank. In the reviews you can find a lot of complaints about the voluntary-compulsory inclusion of insurance in the contract. You can refuse insurance, but bank employees, issuing a “100 days without%” credit card, often try to keep silent about it, and sometimes they don’t tell the client at all that a specific amount will be debited from his account every month.
Should I get a credit card: recommendations
It is important to understand that credit and debit cards of any Russian bank, including Alfa-Bank, are completely different financial instruments. And although they have similar functions and have the same purpose, they are completely different products. , , . .
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- Before signing a loan agreement, it is necessary to carefully study the terms of the loan agreement and make sure that the debt repayment scheme is quite comfortable and not burdensome.
Also, one should not forget that non-use of credit funds for a long time does not exempt from the monthly accrual of a commission for servicing a credit card. The amount that is debited from the account is on average 100-190 rubles, depending on the tariff. Even if the client does not use the loan, he will still have to pay a commission. If you do not pay it on time, fines will begin to be charged. In addition, the bank itself sometimes offers to increase the credit limit, but before you agree to such a tempting offer, you need to thoroughly weigh the pros and cons and evaluate your financial capabilities.
There are no particular difficulties, as is easy to see. By following these simple guidelines, you can manage your money without interest for several months. Offers from Alfa-Bank are interesting to many people, so they really deserve attention.