Making and issuing a loan is one of the main directions of development of this banking structure. Credit cards of the Agricultural Bank allow you to take money on an interest-free loan for up to 55 days. The amount that can be taken on one such card can reach 1 million rubles. After a two-month period, the borrower will have to start servicing the loan at an interest rate of 21% per annum. For normal servicing of a loan, contributions of not less than 10% of the total debt are required. In case of violation of the regime, the client will be required to pay at least 0.5% daily of the total loan amount.
How to apply for a credit card of the Agricultural Bank
In order to receive a plastic card, a bank client must meet the following requirements:
- be not younger than 21 and not older than 60 years;
- have a valid passport of a citizen of the Russian Federation;
- have a residence permit not far from one of the branches of the Agricultural Bank;
- have a clean history of relationships with financial institutions.
Any credit cards of the Agricultural Bank can be issued by spending from 15 minutes to an hour in any of the branches. To do this, just fill out the appropriate application form and conduct a short interview with the manager of the loan department. If, after checking the history of relations with banks, everything is in order, then the organization will issue a permit to receive plastic. Credit on the card is revolving, which means the possibility of re-obtaining a loan immediately after repayment of the debt. In fact, you can return the funds and immediately put them back into circulation.
Options for issued credit cards
Conventionally, all credit cards of the Agricultural Bank can be divided into several large categories:
- Classic . The loan size is in the range from 10 to 250 thousand rubles. The commission for withdrawing cash from such a card is 2.5% of the amount, but cannot be less than 250 rubles. In addition, there are separately paid services, such as an “online office”, which makes it possible to manage your accounts via the Internet, but costs an additional 25 rubles. per month. The issuance of a certificate of the balance of money in the account will cost an additional 150 rubles. Interest rates on such credit cards vary from 19 to 24% per annum.
- Premium . These are more prestigious credit cards of the Agricultural Bank. Typically, the owner of such a service can enjoy the bonuses and discounts provided by companies such as MasterCard and Visa. The annual rate on such loans depends heavily on how much the bank trusts the borrower, as well as the latter's monthly income. The minimum overpayment is 18%, and the maximum is 23% per annum. Commissions for Gold cards are 3 thousand rubles. annually, and Platinum - 7 thousand rubles. The maximum loan amount in the first case varies between 100 thousand rubles. and 600 thousand rubles, and in the second case 300 thousand - 1 million rubles.
The credit card of the Agricultural Bank, reviews of which can be easily found on specialized resources, allows you not only to use bank funds, but also to get discounts in most chain stores in Russia. Owners of premium program options can expect to receive discounts and special gifts at hotels, salons and shops around the globe.