Design. Credit card no annual fee

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2018-03-18 02:00:29

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Credit cards have become quite a handy tool for cash management. They are considered to be the type of loan that is easy to get and convenient to pay. Despite the wide choice, the most popular credit card with no annual fee, which will be described later in the article.

Key benefits

Trying to keep loyal customers and attract new ones, many banks are developing new conditions of service for credit cards. The main advantage is the interest-free period of use of funds. All banks it's different, but such a possibility entitles the borrower some time to think about financial problems.

credit card no annual maintenance

Credit card no annual fee the service is becoming more urgent, although in the contract the Bank customer must be especially careful.

First, this card can be a high interest rate beyond the interest-free period. Secondly, free maintenance, can last for only the first year after receiving the card. And third, can be high interest rates for withdrawing cash, converting, etc.

Features

Credit card no annual fee, unlike the others, can have a minimum set of options. In other words, it is given for acquaintance with the Bank. Most likely, after the expiry of this card will be transferred to annual service with a wide range of options.

credit card no annual fee service

The Map service is the advertising company of the Bank to attract new customers, so it is necessary to understand how beneficial its use:

  • The Average annual service credit is from 750 to 3000 rubles, depending on the card type and set of options therefore, the client of the Bank before execution of the contract, it is necessary for yourself to understand, will the map be used continuously or it's fallback for a rainy day.
  • If the card will be used constantly, especially for non-cash purchases abroad, you should pay attention to the size conversion. After all, if a card with no maintenance, it is likely that the Bank will take sky-high interest rates for this option, then the meaning of free service disappears. A Bank customer will lose money on other card transactions.
  • Customers who constantly work with maps, may be issued a credit card with no annual fee with the full set of options (usually this is the “gold” cards for preferred clients).

Design

To apply for a credit card with no annual fee can be filed in a financial institution or through the official website of the Bank, leaving the online application. For decoration only need a passport, but in this case, and the limit on cash is small.

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The conditions for obtaining credit in modern banking institutions

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Any aspiring entrepreneur is faced with the problem of insufficient funding of their own business. Currently, this problem can be solved by knowing the terms of the loan and taking the necessary amount from the Bank. This method is best for solving p...

If you wish to get a large amount, you should be ready to provide a full package of documents:

  • The passport of the Russian Federation;
  • Certificate in the form of 2 NDFL, proof of income;
  • Additional documents confirming the identity;
  • Copy of employment record;
  • Any other documents requested by the Bank.

If a person has a salary card of a particular Bank, the request for a credit card it is better to do the same. There is the possibility that the interest rate in this case will be less, and annual maintenance will be missing.

Banks Offers

Here are some proposals from different banks, where can be credit card with no annual fee.

credit cards with cashback no annual service

Bank Name

Basic conditions

"VTB 24"

  1. “Gifts for purchases” - the opening of the card 75 RUB., the monthly turnover of not less than 20 thousand rubles.
  2. “Cash Back” - credit cards with cashback no annual fee with a monthly turnover of up to 20 thousand rubles.
  3. “Pocket” - the card costs 900 RUB.
  4. “the Map of the world”, “Automap”, “Collection”, “Map impressions” - the opening of cards is 350 RUB monthly turnover should be at least 35 thousand rubles.
  5. Platinum cards can be issued for 850 rubles. and the volume map must be not less than 65 thousand rubles.
  6. Grace period of 50 days.
  7. Rate of 28%.

"Bank of Moscow"

  1. Free card maintained for only the first year. Subsequent periods will be free, if the borrower is making the monthly turnover on the card set by the Bank.

"Renaissance Credit"

  1. Maximum card limit of 300 thousand rubles.
  2. Grace period - 55 days.
  3. Maintenance is only free the first year.
  4. Rate the map, from 24.9 per cent.

"PSB"

  1. Interest-free period to 145 days.
  2. Interest rate of 29.9%
  3. Maximum limit - 600 thousand.
  4. Free service is only valid for the first year.

"RAB"

  1. Grace – the period up to 55 days.
  2. Rate on the card is 23.9%.
  3. First year is free.
  4. Maximum loan of 250 thousand rubles.

There are, of course, other proposals from other financial institutions. In any case, each borrower is required to choose the conditions best suited to him.

Proposals from Sberbank

A Credit card of Sberbank without annual service is offered to the regular customers who already have a debit card, or payroll clients. In both cases, this pre-approved card with no maintenance with individual monetary limit.

credit card of Sberbank without annual servicing

"gold card".

The Service

Billing

Annual maintenance

  • Pre-approval – 0.;
  • In the normal order of card-3 thousand rubles.

Interest Rate on loan %

  • Permanent (payroll) clients - 25,9;
  • For all other clients – 33,9.

The Limit for cash withdrawal per day

100 000 – 300 000 RUB.

Almost the same characteristics and has the card "donate life". Small differences are in pricing and the limit on the issuance of money per day.

The Service

Billing

Annual maintenance

  • Pre-approval – 0.;
  • In the normal order of the cards – from R. 900 to 3 500 RUB. (depending on card type).

Interest Rate on loan %

  • Permanent (payroll) clients - 25,9;
  • For all other clients – 33,9.

The Limit for cash withdrawal per day

50 000-300 000 RUB. (depending on card type and whether the customer is a constant).

Sberbank for its part directs up to 50% of the annual service for charity purposes.

Map of the "Classic".

The Service

Billing

Annual maintenance

  • Pre-approval – 0.;
  • In the normal order of the cards – 750 RUB.

Interest Rate on loan %

  • Permanent (payroll) clients - 25,9;
  • For all other clients – 33,9.

The Limit for cash withdrawal per day

50 000 – 150 000 RUB.

Interest and map of "Aeroflot". Depending on its type, the customer receives after paying their purchases for every 50 rubles from 500 to 1000 “miles”.

The Service

Billing

Annual maintenance

...




Alin Trodden - author of the article, editor
"Hi, I'm Alin Trodden. I write texts, read books, and look for impressions. And I'm not bad at telling you about it. I am always happy to participate in interesting projects."

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