VTB 24 offers customers the most favorable conditions for obtaining credit cards. Basically, all products of the bank do not require collateral and surety. The VTB 24 credit card adheres to the same rules . Terms of use, reviews and the method of obtaining a card are affordable and acceptable.
About the bank
VTB 24 is a fairly large financial institution in the country. Recently, in his work, he began to use modern technologies, which include remote control of accounts.
The bank's activities are mainly aimed at providing financial services to various business lines and individuals. Today, the organization offers almost all popular types of services.
Private individuals have access to more than ten lending programs. To get a loan, for example, you can buy a car, pay for training from 18% per annum, it is also possible to purchase real estate at 9.4%. The bank’s programs also include a VTB 24 credit card. Terms of use, interest on it is acceptable. At 22% per annum, you can easily and easily get a convenient platinum card.
The Bank provides a huge amount of financial services for customers, including opening a deposit and making a transfer.
VTB 24 is also developing very socially. He is involved in supporting projects in the fields of education and science, culture and healthcare. The bank also helps disabled children and veterans in need.
The main advantages of the VTB 24 card
Today, VTB 24 credit cards are very popular. Terms, reviews, repayment methods, necessary documents - all of this we will consider below. Bank cards have a lot of advantages. The main advantages of them:
- Quite a high credit limit, even for classic cards.
- The grace period reaches fifty days.
- You can draw up to five additional cards at a time.
- The interest rate is low: from 22 to 28%.
- The grace period can be used even if the money was withdrawn in cash.
- The decision to issue a card to a client is made in one day.
- When paying by credit card, bonuses are returned to it.
- There are discounts on the purchase of air or train tickets.
- Availability of insurance service cards.
- SMS notifications are free.
Classic cards "VTB 24"
Cards are represented by the most famous payment systems. The maximum lending limit is 299,999 rubles. Card service is free. You can use borrowed funds without interest calculation for 50 days. Registration is possible under the age of 68 years. To apply, you will need a passport and a second document.
Types of cards:
- "Cash without overpayments." Held 1% for withdrawal in any ATM. With such a pocket card, cash will always be available at hand.
- "Cash back on all purchases." 1% of purchases made with a card is returned.
- "Gifts for shopping." When paying for purchases, you can get one bonus for every fifty rubles. It is considered the most profitable just such a credit card "VTB 24".
Terms of use for the classic group:
- The rate is 28%.
- The registration fee is 900 rubles (by pocket card).
- Registration fee - 75 rubles. (on the rest of the cards).
- Withdrawal fee - 1% of the amount.
- The minimum payment is 3% of the debt plus interest.
Gold and platinum cards "VTB 24"
Gold cards are presented by Visa and MasterCard payment systems. The limit on the card reaches 750,000 rubles. Monthly maintenance is free.
Types of Gold Cards:
- "Travelers." There is an accumulation when paying for purchases (2 miles for 35 rubles). For miles you can buy tickets. Insurance program included. Paying with this card purchases, you can quickly save up for the trip.
- "Car enthusiasts." 3% cash back. A rather convenient service “Roadside Assistance” is also included.
- "For lovers of entertainment." 3% cash back when paying for purchases in institutions. The reservation service is included.
- "Gifts for shopping." For every 30 rubles used, 1 bonus is awarded. With accumulated bonuses it is possible to pay for all kinds of bank services. It is considered one of the most profitable such a VTB 24 gold credit card.
Terms of use of gold cards:
- The rate is 26%.
- Commission for registration - 350 rubles.
- The minimum required payment is 3%.
The types of cards and terms of use for platinum cards are almost identical to gold.
The main differences between a platinum card and a gold one:
- The limit on a platinum card reaches 1 million rubles.
- On the world map for every 35 rubles used. 4 miles are awarded.
- Cash back is 5%.
Credit card
To draw up a card, a client must contact a bank branch with a passport. You can also simply leave a request on the VTB 24 website or call the hotline number.
The proposed limit on the card depends on the age of the client, his seniority, income level and place of work. One of the prerequisites is a positive credit history.
Of the additional documents you will need to submit: a certificate from the place of work on wages, a certificate in the form of a bank, a foreign passport, an account statement, a certificate of registration of the car.
Credit card "VTB 24": terms of use, customer reviews
Reviews on the cards "VTB 24" can be described as positive. The tariff policy for existing cards is quite transparent. Cards are divided into various types, which is very comfortable for the borrower. ATMs supporting these cards are located almost everywhere.
According to many customers, one of the most convenient is considered a VTB 24 credit card. Almost everyone likes the terms of use. Everything is more than understandable and accessible. It is usually difficult for older people to deal with the conditions and functionality of the cards, but VTB 24 has done everything possible for customers of any age so that they can easily use the cards.
Negative reviews are mainly related to the work of the support service. Calling the hotline is difficult, and sometimes completely impossible. That is why many customers mostly prefer to contact the bank.
Credit card "VTB 24": terms of use, reviews of employees
To date, the bank has 1,023 branches. Branches are present in seventy-two regions of the country. A large number of employees in the bank, there is a constant turnover of personnel.
VTB 24 Bank makes the working conditions the most comfortable. The offices are all clean and beautifully decorated. For effective work, employees are provided with everything, up to a good salary.
Bank employees adhere to certain rules in their work: efficiency, transparency of cooperation conditions for the client and courtesy, thereby attracting as many customers as possible to the bank with their friendliness.
There are almost no negative reviews of employees about the bank. Everyone is satisfied with the attitude of the leadership, the accrual of bonuses and continuous training. Including a bank for employees provides cash bonuses in certain life circumstances.
Grace period
The grace period allows the cardholder to use the card limit for free for a specified period. Basically, all banks adhere to the rule that the grace period applies only to non-cash transactions. VTB 24 is a little more perfect in this matter. The bank allows you to use the interest-free period, even if the money was withdrawn in cash. Thus, the grace period applies both to funds that were spent by bank transfer, and to the money withdrawn. The number of days in the grace period is 50. The countdown starts on the first day of each month. Therefore, it should be borne in mind that the grace period can be less than fifty days.
Every year the Bank tries to increase the number of its loan products. The VTB 24 credit card is maximally accessible to customers. Terms of use, reviews about it are adequate. VTB cards are diverse and have a good credit limit, which reaches 2 million rubles. Everything is very convenient and transparent.