Credit card in Renaissance Bank Conditions. Credit card Renaissance loan. Renaissance Map Conditions

Do you think over to make a credit card at the Renaissance Bank bank? This article will help you learn the main conditions for its provision, maintenance and repayment.

MasterCard World Credit Map from Renaissance Credit

To date, there is only one credit option. It can be easily arranged over the Internet and when visiting the bank. It also allows if funds are returned throughout the grace period, not to pay interest on the loan.

You can form positive sides of the card:

• Free release and maintenance, which saves;
• You can get a map in an hour after consideration, therefore borrowers can very quickly get the first loan funds;
• The possibility of free replenishment, which allows you to pay only interest, and not additional commissions;
• If you return the credit funds quickly, you can not pay interest;
• Bonus capabilities;

And disadvantages:

• If overdue payment, you will have to pay fairly large percentages, especially when cash withdrawal;
• A large commission for issuing cash, which does not exclude interest;
• Paid replenishment of accounts through third-party terminals and banks.

Existing tariffs

• The interest rate varies from 19.9% \u200b\u200bto 45.9% per annum depending on the selected tariff plan. Note that when removing cash, interest is much large;
• Issue and service are free, you only need to bring basic documents.
• An individual limit is proposed in the amount of up to 200 thousand rubles, it will depend on the number of documents provided, the status of the client and its income;
• There is a grace period without interest accrual to 55 days; Note that the real duration may be less because 55 days is the maximum grace period
• Every month it is necessary to make a minimum payment of 5% but not less than 600 rubles;
• Commission for cash issuance - 2.9% plus 290 rubles;
• Replenishment occurs without a commission on the bank's website or in the terminals of its departments;
• Issuance is carried out instantly, i.e. on the day of circulation;
• There is a bonus program "Simple joys", thanks to which you can get up to 10% of the amount spent on the account in the form of points.
• For monthly payments, 50 rubles can be issued SMS notifications.
• Issuance in almost all branches
• In the delay you need to additionally pay about 20%

We also remind the requirements that are presented to the borrower:

1. Age from 21 to 65 years;
2. The presence of Russian citizenship and permanent registration;
3. Income is needed at least 8 thousand rubles each month (for Moscow - from 12 thousand rubles);
4. The current work experience cannot be less than 3 months;
5. The client must have a personal mobile phone.

There are many ways to replenish the account to return credit funds. But most of them, which are performed through third-party banks, require payment of commissions. From the documents you will need a passport and another document to choose from (driver, pension, INN, passport, etc.), income confirmation is optional.

Registration occurs on the official portal Rencredit.ru. On the Renaissance Bank's Renaissance website there is an opportunity to apply an online application for the manufacture of a credit card online at this link so as not to wait in long banking queues.

In a rigid competition among banks, the requirements for banknotes increase. Accordingly, the conditions for customers are becoming more and more acceptable. So the Renaissance credit card is gradually transformed from three options to one. What happened from this, consider below.

The only Renaissance credit card was performed according to the rules of banking "fashion". It is equipped with a chip, 3D Secure protection technology and the possibility of contactless payment PayPass. The preferential 55-day period is already a classic among offers in credit institutions, and Renaissance also invests this condition in the list of card capabilities. It does not apply to cash withdrawal.

Useful, I consider the option "Simple joys". It allows you to accumulate bonuses for any acquisition from a card in the amount of 1% of the amount, as well as 10% of the price of goods in the categories that the promotional conditions are applied. Categories change monthly. Interestingly, bonuses can be converted into real money. To do this, you need to accumulate enough bonuses, pay them to buy in a partner store program, and the amount will return to the spent 1: 1 points to be returned.

She is also utility - this is what the card is completely free. It is not necessary to pay for the release of plastic and annual service. The exceptions are SMS notifications about the card operations and insurance premiums.

If you use the Mobile Bank application, it is best to disable SMS notifications. This can be done in the Bank's office, contacting or with the help of Internet bank services. You can still call the organization's call center. Disconnection occurs within 5 business days.

If there is a bank application in the phone, then use SMS warning service is impractical.

Limits and interest

After you place a map in Renaissance, you will get a loan under the percentage. For non-cash operations, it is quite democratic. If you decide to take cash, the rate will increase.

The credit limit on the map is appointed individually for each borrower on the basis of the consideration of the data specified in the application. The higher your income, for example, the lower the interest rate will be. All numbers are lower in Table number 1.

Table # 1 - Limit on the loan and interest rate.

Interest rate with cashless calculations	24,9 – 29,9%	Cash withdrawal	45,9%	Grace period with cashless calculations	55 days	Credit limit	3000–200000	Minimum payment	5% of the amount of debt, not less than 600 rubles	Calculation Commission	2.9% and 290 rubles

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Terms of receipt of credit card

To arrange a Renaissance credit card online, you need to fill out a questionnaire on the website of the credit institution and wait for the call of the operator. In addition, you can come to the bank and report the desire to receive a credit card.

Mandatory creditor terms:

• the applicant's age from 21 to 65 years;
• labor experience in one workplace at least 3 months;
• income from 8000 rubles, and for Muscovites - from 12,000;
• citizenship and permanent registration in Russia and in the territorial district of receiving a map.

When you design, do not forget to specify the passport details and mobile number. For approval, one may need another document to choose from. The application for a credit card is considered by the bank quickly. The decision is taken on the day of circulation. Credit limit and the final interest rate you will learn after you meet with the courier.

After receiving the Renaissance Card, you can activate it by calling the call center. Judging by the reviews, the credit card delivery is not a guarantee that the bank approved the application. Some customers during the activation of the map reported that they were denied services.

How to use a credit card

It is best to use a card for non-cash calculations. In this case, the user receives the Obo 55 days of the interest-free period and the tolerant amount of interest rate. You can pay the card in any stores where there is a non-cash payment system, as well as make purchases on the Internet, pay for housing and communal services and mobile communications costs.

For payment of the receipts of housing and communal services under the program "Simple joys" also accrued bonuses.

In order not to pay interest at all, the user of the card you only need to give the amount spent within 30 days from the date of registration of a credit card (this is called the estimated period) for the next 20 days (payment period).

Replenish the Renaissance card can be replenished with different ways: from cash in the bank's separation to the terminals of Eleksnet and payment systems such as Yandex.Money and Kiwi. Third-party organizations may charge an additional fee for transferring money, so clarify in advance from the mediator, under what conditions you can replenish the credit card.

To replenish the score, you can make a transfer from the map to the Renaissance Card Credit from any other bank. It is done through the application or in the Internet bank. The Commission will amount to 0.95% of the total transfer amount, but not less than 45 rubles. I warn you for the translation, your bank may charge an additional fee. You can also repay debt without commission. To do this, use the terminal in the department of the credit institution. Several other methods of replenishment, see Table # 2.

Table # 2 - Methods of replenishing the QC and the Translation Commission.

Method of repayment	Money Transfer Commission	Accountability
In the department of PJSC Sberbank	1% -2% depends on the method of translation.	For the next working day.	In Euroset	1%, but not less than 50 p		From the wallet Yandex.Money	3% and another 15 r.		Through the terminal Elexset	1.98%, but not less than 30 p.	During the day, if the payment was committed until 17:00.	From Kiwi's wallet	1.6%, but not less than 100 p.	1-2 weekdays day.

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To manage the situation with your credit on the map, you can install the bank application to the phone. There will be a map balance, the history of operations, the number of bonuses, information about the action. With it, you can how to replenish your account, and pay for services from the list. Check the account balance can be used using an SMS service if it is connected.

You can also translate funds from the Renaissance credit card to any other card. The translation occurs instantly, but is regarded as cash withdrawal.

Advantages and disadvantages

Customers of such credit institutions often do not notice pitfalls. In fact, finance insurance services are spelled out in contracts, and money from cardholders are written off on absolutely legal grounds. However, the network often appears information that the bank has written off the borrower unknown earlier than the amounts.

I advise you to pay attention to the fact that when removing cash, the percentage of the loan increases and the grace period does not work. That is, the bank will charge 45.9% per annum from the date of removal of money. It is also necessary to strictly monitor the timing of funds for the account. Replenish the map at least in 3 days so that until the end of the payment period your credit commitments were counted. In case of non-payment of the installed minimum payment, the bank charges fines.

The network has reviews of users of the Renaissance credit card credit, which indicate small credit limits. Indeed, even if in the application you indicated the desired limit of 50,000 rubles, the bank can establish such a limit as it will consider necessary. There are cases when borrowers received cards with the amounts of 9000 and even 6000. Such a loan often cannot satisfy the needs of the user.

Card conclusion and registration

Credit card "Renaissance Credit" - a good solution for non-cash calculations. The new Renaissance credit card has become more convenient. The terms of use and receipt, limits and opportunities are more clearly prescribed. However, in order not to get into the debt point, it is necessary to carefully study the credit conditions provided by the bank, to fulfill its obligations on time and do not forget to consult with the bank's experts, if you plan cash removal.

When you fill out an application, wanting to issue a Renaissance credit card, and specify the desired credit limit, be prepared for the fact that the amount can differ significantly from the expected. In my case, instead of 45,000, the limit on the map was 9000. Therefore, at first, refer to the Renaissance card and only after receiving, plan spending on it. Then surprises will not be and everything will be fine!

Table # 3 - Card Design

Map	Rate	Grace period	Credit limit
"Renaissance Credit"	24,9 – 29,9%	55 days	3 000 - 200 000 rubles.

Intelligence loans in the form of a credit line on a plastic card are not popular with the population. The relatively small amount of borrowed funds allows you to buy household appliances, electronics, traveling, paying training and treatment.

Renaissance Bank offers a credit card to the Russians, allowing to save on payments for annual services, emissions. In addition, the Grace period up to 55 days allows not to pay percentage at all, subject to making money in a 55-day term or earlier.

Renaissance credit card

Bank provided by the Bank The credit line on the map is not metering - when using borrowed funds, the client is not obliged to report on spending. The map provides free use of the means:

• removing at the boxes, including third-party banks, and through ATMs;
• payment by non-cash via Internet services and terminals;
• translations between maps of any banks;
• payment of purchases in the outlets;
• transfer of money to the repayment of taxes and fines, payment of comulevug, Internet and mobile communications.

Conditions and Tariffices on this credit card Renaissance-Credit Bank are as follows:

• The percentage of the use of borrowed funds is at the lowest level and is minimally 18.9% per year and up to 50%.
• There is an interest-free period of the maximum 55 days during which the percentage for the use of money is not accrued. The condition is valid only in compliance with the repayment schedule and timely making of the monthly fee (including percentage, penalties, commissions).
• The line limit is 300 thousand rubles. The only currency of the account is rubles of the Russian Federation.
• Design is made within 15-20 minutes with a personal visit to the bank.
• Replenishment (debt and full or partial repayment) is carried out without commissioning.
• The map works in the MasterCard Standard system.
• The cost of service is annual and the release of the credit card - for free.

A special advantage of such a credit card is the ability to receive it by courier at the place of residence or work, as well as by mail to the specified address. Thus, to visit the bank becomes optional, it is enough to apply for an application online on the Renaissance website a bank loan for the credit card to make your own name.

Technical parameters of the map - a built-in defense chip, 3D Secure technology, a non-contact method for making payment MasterCard PayPass.

Terms of receipt

The Bank makes pretty standard requirements for its customers to issue credit cards:

• at the time of receipt of the credit card, the client must reach at least 24 years;
• the maximum age is 65 years at the time of full debt repayment;
• work experience at the last official place of employment - 3 months;
• the size of the monthly income at the level of 10 thousand grew. rubles and higher for the capital and region, 6 thousand rubles - for other cities and villages;
• permanent registration, and at the place of the presence of the office of the bank or close to it;
• lack of outstanding loans and microloans.

From the documents will require such:

• russian passport as a basic document confirming personality;
• an additional document is presented for the choice of the borrower: driver's license, passport or military ID (for men).

Reviews of the Renaissance Credit Card Credit Bank speak in favor of this product also because the design is extremely simple:

• personally come to the office of the institution with the package of documents, fill out a simple questionnaire questionnaire and conclude a contract, get a card instantly;
• send an application for a credit card from the bank site and get it with a courier or postal shipping.

The received credit card must be activated after receiving. It is possible to do this in the office, and via the Internet in the "Personal Account", as well as call the bank manager and, dictating the number of the contract and data from the passport pages, activate the map.

Before granting a credit line, the Bank checks the credit history of the borrower, the accuracy of the documents filed and information. A huge advantage is the ability to not submit an income certificate.

Features

The maximum allowable amount of credit line today is 300 thousand rubles. It can be reduced in the presence of other debts at the borrower, bad credit history or other factors.

Making monthly payments and replenishment of banknotes is carried out at the Renaissance ATMs / ATMs without charging the Commission, and with a commission - in third-party organizations:

• Post office;
• self-service terminals Eleknet / platform;
• electronic money;
• monetary transfers and other systems.

When making another payment, it must be borne in mind that the Commission may be from 1 to 3% of the amount of the contribution, and the funds will fall on the card flow after several days (1-5). Therefore, when making a payment 1-2 days before the end of the grace period or the final date on the schedule, it is best to make a fee at the bank's office or through Internet banking by writing off the borrower's debit card.

Some cards, for example, the main "transparent", are accompanied by the use of discounts on the Renbonus system and cachek up to 1% of all completed payments. The bank eusitates the popular Corn map with a grace period and free maintenance.

On the cards there are two tariff plans - standard and classics. The differences are mainly in the amount of bets (from 24 to 50% per year), cachek and penalties for late repayment of debt.

Renaissance-loan is engaged in the release of 4 types of credit cards, some of which are widely known: "corn", "transparent", "transport" and "express".

We wrote about the map of "Corn" in the article. It is issued in Euroset one by one passport in 5 minutes.

Completely for free (no annual contributions are not necessary to pay), includes free SMS notifications about perfect operations. With all this supports its bonus system, the glasses of which you can then save and benefit from the discounts in the partner stores.

Registration

The process of submitting an application for the issuance of a credit card is 2 species:

• Standard - when contacting the bank branch.
• Advanced - when sending an application profile on the official website online.

It doesn't matter what method you have selected - the online application for the Renaissance credit card credit or a personal visit to the bank, the consideration of the application usually occurs in 2 days, and will tell you about the decision on the phone you specified in the questionnaire.

If you get a positive answer, then after 2 weeks the credit card will be delivered at your address at a convenient time.

Types of cards
Credit card "Express"	Grace period: up to 55 days Service: 600 rub. in year Rate: from 42% per annum Limit: Up to 300 thousand rubles.
Credit Card "Transparent"	Grace period: up to 55 days Rate: from 24% per annum Service (from 2 years): 900 rubles / year Limit: Up to 300 thousand rubles.

Terms of receipt

• The age of the holder may not be under 20 years and not older than 79. Note, in other financial institutions, the maximum age is below - usually up to 60-65 years.
• The passport of the client must be Russian, as well as citizenship.
• The owner of the card must have permanent registration in the region of the functioning department.
• Work experience - from 3 months in one place without breaks.

Important information: For residents of Moscow, the minimum amount of monthly income is the amount of 10 thousand rubles, and for the rest of the Russian Federation - at least 6 thousand.

If you are interested, then the best reviews after Renaissance received a map from.

Renaissance credit card "Transparent"

It allows the holder how to spend and earn. Its limit is 300 thousand rubles, it is renewable and money on the map can be used many times, the main thing is to repay the debt on time.

There is a grace period when interest on the use of funds are not accrued. If the money has been busy return to the credit card until the 25th day of the next month, the bet will be zero. True, the grace period does not apply to cash withdrawal.

Used Cashback system. This means that you will return part of the money from the purchases spent in partner stores and during the relevant shares. Typically, this most part of the money is 1-10%. But sometimes it can increase it.

The repayment of debt is carried out through the Euroset's points for free or using the Eleknet system.

Residents of the Russian Federation dream to acquire household appliances, visit foreign resorts or regularly update their wardrobes. To implement such fantasies, it is necessary to have in sufficient money.

Dear readers! The article tells about the typical ways to solve legal issues, but each case is individual. If you want to know how solve your problem - Contact a consultant:

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Unfortunately, not every Russian can boast due financial support, which would allow various acquisitions. The best solution in this case will be the issuance of a credit card in the Renaissance Bank, which always shows loyalty to its customers and establishes the grace period and very flexible lending conditions.

How to get a credit card?

To obtain a banknote in the Renaissance Bank, potential borrowers can not even leave the limits of their residential premises. They can take advantage of the bank's offers and issue any credit program or online mode, or in the office of the Financial Institution.

Thanks to the Internet, you can apply for a card, after which in the telephone mode to discuss with the manager all the conditions of the upcoming lending. Before the potential borrower will be answered, regarding the issuance of a loan, the Bank's security service will be tested by the accuracy of the information presented by it, as well as his credit history.

After receiving the consent of the bank for the issuance of a credit card, the borrower should:

• or personally visit the Financial Institution Department for the signing of the necessary documentation;
• or invite a courier to the house, which will deliver a contract, card, etc.

Activation of a card to Renaissance Bank clients can be performed in the telephone mode. To do this, they should call the free number of this financial institution (dictate the data of its passport and treaty operator).

Based on what is determined by the credit limit?

Each financial institution operating on the territory of the Russian Federation independently determines the credit limit for its cards. To do this, the credit history of the client is carefully studied, its financial welfare is checked, risks analysis is carried out, etc. To date, the maximum allowable limit is set in total 300 000,00 Russian rubles.

When removing money from a credit card (within the acceptable limit), borrowers must remember that after full repayment of their financial obligations, the limit will be fully restored, and the funds will again be in free access.

How to issue - Conditions and requirements for customers

Renaissance Bank places a number of requirements for potential borrowers by completing which they can become credit card holders:

• the presence of citizenship of the Russian Federation;
• availability of registration in the Russian territory (in the Region of the Credit Program Registration);
• the age range of borrowers is ranging from 24 to 65 years;
• permanent employment (at least 3 months in the last place of work);
• stable financial support for the borrower living in the capital and its nearby areas should exceed 10,000.00 Russian rubles per month;
• the regular income of potential borrowers living in other regions of the Russian Federation should exceed 6,000.00 rubles.

To make a credit card, potential borrowers must collect a specific package of documentation (depending on each specific case, the package may include from 2 to 4 documents).

In most cases, Renaissance Bank customers sufficiently present photocopy of important passport pages and the identification number to get a credit card.

How to repay

Repayment of credit funds Renaissance Bank borrowers can be carried out in several ways:

• through the payment systems "Contact", Yandex Money;
• through the terminals "Elexet", "platform";
• via the Russian Federation;
• through the banks of the bank Renaissance;
• through the cash desks of financial institutions, which are partners of the Renaissance Bank, etc.

Each borrower should make payments in advance so that its credit commitments do not arise. Involverencies made cash on credit card will entail the accrual of penalties and penalties.

Types of credit cards

Currently, Renaissance Bank can offer its permanent and new customers the following types of credit cards:

• Transparent card (accompanied by the Renbonus loyalty program, according to which, with each perfect purchase, the calculation for which was carried out by means of a card, 1% of the amount of the tools spent) will be accrued.
• Corn (the grace period on this card is 55 days during which the borrower can use credit funds at its discretion. The Bank is not charged with such a card annual commission).
• Express (grace period is 55 days, the lack of commissions and hidden payments, various options for repaying credit obligations).
• Transport (reduced interest rate, the maximum credit limit is established, the term of the loan agreement is unlimited), etc.

Tariff plans "Standard" and "Classic"

Among Russian citizens, credit cards are in great demand that have "Classic" and "Standard" tariff plans. Their main difference from each other lies in the amount of interest rate.

In the tariff plan "Standard" on the map is accrued 29% annual. At the "Classic" tariff set interest in the amount of 24% . Distinguished limits (at the rate "Standard 25% , and at the tariff "Classic" - 50% ) between these tariffs, and minimal payments whose amount ranges from 5% before 10% credit funds issued.

How to keep control of expenses?

Each client of a financial institution must closely monitor the timely fulfillment of its financial obligations. Management of Renaissance Bank offers its customers assistance in controlling their costs on any credit programs.

For them there are several options for monitoring, of which customers can choose the most suitable.

• SMS alert;
• internet banking.

Borrowers were able to own information regarding the state of their accounts. Thanks to this, they can plan their budget in such a way as to return money to the credit card.

Pros and cons of credit card Renaissance Bank

Each credit program has its pros and cons, knowing about which the potential borrower will be easier to make a choice in favor of one of them.

Renaissance Credit Card has a huge amount of advantages:

• consideration of the application in a short time;
• the ability to design a map in online mode, which allows potential borrowers to save their free and working time;
• the possibility of making a credit card at home by the borrower;
• registration of a credit card on one document (a citizen of a citizen of the Russian Federation);
• credit card can receive a credit card, the age of which is in the range from 24 to 65 years;
• when calculating a credit card, borrowers receive various bonuses;
• for cards, preferential conditions are established regarding the period of repayment of credit obligations;
• loan repayment can be carried out through terminals that do not hold commission remuneration;
• for customers, the Renaissance Bank is in free access to the hotline, by calling them the necessary advisory assistance will be obtained;
• minimum interest rates.

By cons of the Renaissance credit card, the following can be attributed:

• the need to have a permanent place of work on which the potential borrower should be employed at least 3 months;
• credit card registration is carried out within a few days;
• the activation of the card occurs after the transfer of the loan agreement into the Financial Institution of the Renaissance;
• in parallel with the credit program, borrowers are offered insurance policies, which are made only by their desire.

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