Which banks have the most favorable credit cards? Choosing a credit card: the best offers from banks How to choose a credit card expert recommendations

They enter modern life with a confident step. Someone still does not know what it is and how to use such a wonder. And for others who want to make purchases immediately, credit cards have become a real necessity. However, both of them must know the bank to choose, and most importantly - to understand all the conditions for using the card. After all, otherwise you can not calculate well and lose a tidy sum.

When choosing, you need to pay attention to the following factors:

• What interest rate is offered under the contract.
• What is the grace period.
• What is the amount of the minimum payment.
• Is it convenient to use the card when withdrawing cash? How to withdraw an amount without commission? Is there a cash withdrawal limit?
• Will I need to use any paid services.
• Is there a usage fee (usually annual).
• How many service branches and their proximity. This is for your convenience.
• Bank reputation.
• Is it possible to receive cashbacks on the selected card.

Also, some banks offer to choose an individual design for your card. But this is, of course, a matter of your aesthetic tastes. Do not get too distracted by this when choosing a better deal.

Interest rate

Each bank has an interest rate and is usually not fixed, it is determined for each client on an individual basis. You can find out the exact numbers during the registration period. Therefore, be sure to carefully study the contract. For newly arrived customers, the maximum percentage is set, and for regular customers, a lower one. And the conditions for using a credit card are usually more loyal. Based on this, for the card you need to go to the bank with which you cooperated earlier.

There are also so-called risk groups. This category includes young people, retirees who are over 65 years old, clients with less than six months of work experience, unreliable and overdue borrowers. For this category, the interest rate will necessarily be higher.

Interest-free use of funds

When choosing a bank card, it is better to give preference to those banks that have a grace period service, and not the accumulation of bonuses. Some credit institutions include two services at the same time. The longest period is almost seven months. This period is valid for cashless payments, even in a couple of months it is possible to pay off small amount, taken on credit. And do not overpay the interest rate.

Minimum monthly payment

This is also an important criterion when choosing a card. If the bank makes it possible to use its services for several years, this does not mean that the amount of the loan taken can be divided for this period of time. Usually contributions are determined according to the terms of the contract and are 5 or 10%. The loan amount itself is divided into 10-20 payments. The rest of the time is provided for further cooperation with banking institutions, after the renewal of the limit.

Credit limit

It means the amount of money that the cardholder can use. Each active user is given a different amount; to increase it, you need to create as many movements on the card as possible, and not be a debtor for a long time. With the active use of the services of institutions, they can independently give the opportunity to increase the limit, or, if desired, consider the client's request in writing.

Cash withdrawal

It is important to know that a loan is possible only for non-cash payments. In cases of withdrawals, the grace period service is not available. But it can also be issued in case of cash withdrawal. To save money when withdrawing, and to avoid a large commission for the operation performed, you should choose a card from a previously used bank.

Other services with their prepayment

In addition to the usual operations, each bank has such additional services as insurance, auto payments, regular delivery of statements and others. Each user should be aware of the availability of such services. Do not forget the services, because due to one unpaid operation, you can go to the list of debtors and, by court order, lose this case.

Card usage fee

This is the only commission allowed by law. It is withdrawn annually once, the amount of payment may be different and ranges from 590-20,000 rubles, depending on the card. Based on this, you need to take seriously the study of the conditions of banking institutions. In the presence of personal proposals, banks can take over the payment regardless of the card.

Service networks

It is very convenient to use the nearest branches and ATMs to repay the loan.

Prestige and good reputation of the banking institution

In most cases, negative feedback can be left by those customers who have not carefully studied the terms of credit. To avoid such cases, you need to carefully choose a card, taking into account all the above criteria. A detailed study of the organization's contracts will help to make sure that the false ones. With the ability to competently study the documents, the client will never become a debtor to the bank.

Each bank wants to attract customers in its own way, and for almost everyone there are favorable offers that will not leave them indifferent. For people who spend most of their time in the car, there is an Auto Map. Its owners clearly have advantages. The availability of bonus programs and discounts for the purchase of fuel at gas stations, as well as the availability of discounts when renting vehicles abroad. As for the credit limit, its amount is not large and is referred to as average. It is also important that there is a grace period service, which is 55 days. You can pay for the loan at ATM branches, as well as using Qiwi services or Rapida system.

A credit card certainly won't solve all of your financial problems... But sometimes it can really become necessary. In addition, many are afraid of credit cards because they are relatively new. And in vain. You need to keep up with the times and master technical progress. Moreover, today you can pay by card almost everywhere. In addition, you become less attractive to criminals, who are often more interested in cash.

Conclusion

The choice should be taken with great responsibility. Weigh the pros and cons and only then proceed with the design. And certainly, in no case, you do not need to turn your whole life into one loan, otherwise you will never pay off.

They are becoming a universal means of payment not only among the younger generation. Pensioners have already appreciated the convenience of payments using plastic, and are also beginning to actively use it when paying for purchases.

To choose the "right" credit card it is necessary to pay attention to the conditions and parameters of the lending program connected to it, otherwise you can get into an unpleasant situation caused by the impossibility of timely payment of debt, high service fees.

The product has its own characteristics of functioning. The profitability of the card depends on the conditions of the loan (interest rate, limit, grace period) and attached additional options and bonus programs.

Interest rate

The interest rate on credit cards is set above the average for the bank. This is due to increased product risks. On average, the percentage can be from 23 to 50%.

The minimum rate is offered to salary clients of banks, borrowers who apply to this lender again. The percentage depends on the availability and status of additional service packages.

Bank offers:

The lower limit of the proposals concerns concessional lending programs, the upper limit for new borrowers. Interest is accrued on non-cash purchases by cards, if the user decides to withdraw cash, the rate increases to 40-50% per annum, an additional commission is charged.

there is credit institutionsoffering cash withdrawals without commission, for example, Alfa Bank:

Credit limit

The maximum amount of debt that can be on the loan account is called the credit limit. Its value is determined by the selected lending program and is limited by the user's solvency. The minimum threshold is set within 3-5 thousand rubles.

Maximum Limit Bank Programs:

New clients will not be able to issue the maximum card limit immediately. To obtain it, the borrower must meet certain requirements. For example, in Sberbank, the maximum limit is provided only within the framework of a personal offer to the client from the bank.

Even in one bank, the maximum credit limit may be different depending on the product; for Sberbank youth cards it is 200 thousand rubles.

Additional payments and commissions

Unlike consumer loans, in addition to interest for use, the borrower pays the cost of the annual service of the credit card. Its value increases the total cost of the transaction, so this must be taken into account when choosing a product.

Service cost ranges from 500 rubles. up to RUB 1,500-3,000, depending on the card status and the connected service package. Some banks allow free service provided that the client observes certain conditions (card purchases in the amount of 15-30 thousand rubles per month, if all the client's accounts have a minimum balance in the range of 30-50 thousand rubles, etc.).

Expensive cards are Alfa Bank cards (from 1190 rubles per year), Tinkoff Bankand All Airlines (1890 p.). Free offers are from Renaissance Credit, Sberbank "Momentum", CITY Bank "Prosto credit card", etc.

Grace period

An interest-free period of use is one of the key benefits of the service. The ability to use borrowed funds for free attracts many borrowers. When choosing a product, you should find out the conditions of the grace period, which operations it applies to, the principle of calculation.

The maximum period is offered by the following banks:

Borrower requirements

A credit card is one of the ways banks provide loans, so the requirements for borrowers are set as for consumer loans. They take into account the level of the client's solvency, his credit history, status in the bank.

Clients with open overdue loans can only count on receiving credit cards with a minimum amount of the limit, but with high interest... Such applications are considered by banks on an individual basis.

Standard Requirements:

• russian citizenship;
• permanent or temporary registration;
• age from 18–21 to 60–70 years;
• the presence of a sufficient source of income or the establishment of a minimum amount of income for the borrower in the region;
• experience from 3-6 months.

Credit cards are provided unsecured, banks' risks are compensated by higher interest rates and additional fees.

Minimum set of documents

The minimum required to present a passport and a second document (SNILS).

For higher limits, proof of income and employment may be required. To confirm his own solvency, the borrower can additionally submit documents confirming that he has real estate, a car, cards of other banks, and the level of qualification.

To obtain a credit card, the borrower leaves an application form either on the company's website or at its representative office. In it, he must declare his own income, indicate the place of work, contact information. The bank's decision to provide the product depends on the correctness of the entered data.

Credit card bonus programs

Bank loan products attract users with additional options that can be connected. They become interesting both for certain categories of borrowers and for a wide range of clients.

When choosing a service, you should pay attention to how necessary it is for a specific user. High additional options imply higher maintenance costs.

The most popular and demanded programs include the "Thank you from Sberbank" program, "Russian Railways bonus" from Alfa-Bank, "Air Airlines" from Tinkoff bank.

"Thank you" from Sberbank

Holders of Sberbank credit cards get the opportunity to participate in the loyalty program. Its essence lies in the accrual of 0.5% of the check amount with bonuses for each purchase on the card, which can be used when paying for products and services of partner companies.

If the purchase is made in authorized organizations, the amount of points reaches 20%, 1 bonus is equal to 1 ruble. You can connect to the program using the Internet bank or through the self-service terminal.

Partner companies are more than 300 retail outlets, supermarkets, restaurants, cafes, etc., so the user can always make a profitable purchase.

RZD Bonus is a product offered by Alfa Bank.

Holders get the opportunity to accumulate points, which can later be spent on trips on long-distance trains and Sapsan. The credit card can be issued in three currencies: rubles, dollars, euros. Grace period up to 60 days, including cash withdrawal.

The bank offers 3 programs:

To obtain plastic, you must have a minimum income of 9 thousand rubles. for Moscow and 5 thousand rubles. for other regions, the presence of permanent registration, place of residence or work in the territory served by the credit institution.

For registration, you will need a passport and a second document, but in order to increase the likelihood of approval of the application for the maximum limit, you can attach an income statement, account statement, voluntary insurance policy, confirmation of travel abroad, etc.

Making purchases with a credit card in the amount of 20 thousand rubles. monthly the borrower can accumulate points for a free premium ticket in 6 months. An increased number of points is awarded when paying for railway tickets at the box office or through the website: 1 point \u003d 3.34 rubles.

Travel offer from Tinkoff Bank "Air Airlines" with crediting miles for purchases:

Capabilities:

• accrual of 10% points from purchases for booking hotels and cars;
• for the purchase of railway and air tickets 5%;
• 2% for other purchases;
• 30% for purchases by special offers;
• free insurance for a visa;
• the accumulated miles can be used to purchase tickets with any airline.

Credit limit up to 700 thousand rubles, a new user is credited with 5000 welcome miles as a gift, grace period up to 55 days, interest rate 19.9-29.9%, for cash withdrawals 29.9-39.9%, annual service cost 1890 p.

How can I use my credit card abroad?

The use of the product abroad has its own characteristics:

1. You should only take a personalized credit card with a chip abroad.
2. The card type must be at least Classic. Better if these are premium products with additional features.
3. To avoid double conversion money it is better to draw up a card in the country's currency.
4. Cross-border transaction fees may be charged when the purchase currency is different from the account currency.
5. When withdrawing cash, the commission of the bank serving the terminal is charged, the bank that issued the credit card will charge its tariff for cashing out abroad. Amounts can range from 2-3% to 5% of the amount of the transaction on each side.
6. Not worth converting foreign currency in rubles through POS-terminals, the exchange will be made at the most unfavorable rate for the client.
7. There are credit cards with the possibility of emergency cash withdrawal in case of loss of the card abroad.

All the conditions for using the product abroad are prescribed in the service agreement, which must first be examined and the expediency of the transactions determined.

Answers on questions

How is the card delivered?

The delivery method depends on the bank that issued it:

• possibly complete online registration with delivery of the product either by courier or by mail;
• through a visit to the company's representative office to sign documents and receive a card.

What operations are not eligible for bonus points?

Points are awarded when paying by card for goods and services; points will not be awarded for the following operations:

• cash withdrawal;
• bets in casinos, sweepstakes;
• purchase of bonds, lottery tickets;
• when transferring funds to electronic wallets;
• if the money is transferred to a legal entity.

Conclusion

When choosing a credit card, you should pay attention not only to the conditions and parameters of the program, but also to the availability of additional features and bonuses. If the borrower does not plan to use the options, then it is better to arrange classic products with a low annual service.

A credit card is a more expensive loan product compared to classic programs consumer lending... Therefore, therefore, it is worthwhile to carefully approach the choice, study all tariffs and opportunities in order to find an individual solution.

Hello to you, my dears! Why is it that everyone, wherever they go, is actively acquiring and using credit cards?

Because it is comfortable: with it you always have an airbag - the limit that remains "in reserve" when with own funds interruptions.

With such spare money, you feel more confident and calmer. You can not deny yourself if a useful thing turns up for a good promotion, and receipts are only on the way.

In order not to overpay, you need to choose plastic with a long free period, during which the debt will be covered by the received salary, and the use will cost you nothing at all.

What points should you pay attention to when choosing, and where is it better to get a credit card?

Which bank is better to get a credit card

The trend is that today paper cash is increasingly being replaced by electronic money. It is unlikely, of course, that cash will disappear altogether, but a plastic bank card is becoming the prevailing method of payment. People pay in supermarkets and shopping centers with debit (salary) and credit cards.

But which bank is better to take a credit card - that is the question. What credit card is right for one person and not too much for another? Since it is credit cards that have the greatest variety of conditions offered. In addition, this is the most expensive type of bank card.

How to determine which credit "plastic" should be taken

Some plastic "products" can cost several thousand rubles or more.

This is due not only to the size of the loan amounts, but also to the fact that such cards are included in the discount system of various network organizations: travel agencies, restaurants, cafes, hotels, the entertainment industry, etc. Due to these two factors, it becomes quite difficult to determine where and what kind of card product is it profitable to get.

In general, there are five factors that influence the choice of the most profitable credit card:

1. interest rate level. In 8 cases out of 10, this moment is decisive. Indeed, when a loan on "plastic" is cheap (interest overpayment is small) - this is a serious "magnet" for the clientele;
2. availability of special offers. For example, from the moment of the first withdrawal of money from "plastic" for the next 50 days, no interest is charged. Or loan payments will decrease as the debt is repaid, i.e. differentiated payments.
3. the degree to which the card is linked to the discount system at the national and international level. Some types of credit cards allow, for example, to periodically fly in economy class for almost free;
4. the cost of the card itself as an actual product and the cost of maintaining it. Observed feedback - the lower the interest rate, the more expensive the service, and vice versa. You also have to look at the bank's policy: what is the commission for replenishing / withdrawing cash through terminals, how common are the terminals of this bank, otherwise you will have to withdraw money through united ATMs, and there the commission is even higher;
5. features of functioning. This includes the maximum allowable money limits on the card, that is, how much money a client can spend from it in general, per month, week, day. Plus, the principle of a mandatory balance is taken into account here - is it necessary for some kind of positive balance to remain on the card, or is it unlimited (as a rule, there are restrictions).