When age is not a hindrance
Grade: 5
As an elderly person, it was scary for me, of course. I thought that at this age they immediately refuse to do this, but no! It turns out that in Orient Express Bank the age limit is 71 years (inclusive). I came to a bank branch not far from my house, the polite manager explained everything in detail and clearly, I was satisfied with such conditions, and therefore agreed to the registration.
Only now I was upset when I was withdrawing money, and a very large commission was charged from me for this. Apparently, I auditioned when the manager explained to me about it. Since then, I have not withdrawn money from this card at all, it is very unprofitable. And they also withdraw money from me for messages about transactions that come to the phone, but they said that this service can be refused, you just need to contact the bank office.
I use it with joy, and I also help children with repairs: I pay for their purchases with a card, and after a while I get a big sum for this, which I can pamper my grandchildren with.
I am glad that such a card is issued even to pensioners. With its help, it becomes easier for both me and my family to live!
Grade: 4
I have many different credit cards, but I have never had one with such a high credit limit as this one. I have a very good credit history, during registration I provided the bank with all the necessary documents, so they set the maximum limit for me - 300,000 rubles at 12% per annum!
Of course, I immediately began to actively use this credit card, and then I felt all the delights of cashback, here it is as much as 40% of the purchases made. For me it is both convenient and profitable, because I buy often and a lot. Cool, I appreciated it!
I have no complaints about the service, it is free, like the Internet bank. You have to pay 89 rubles a month for SMS notifications, it is true, but for me this is a normal amount compared to other banks. I did not withdraw cash from this card, and I will not, since the commission is high regardless of which ATM you withdraw money from, and there are limits on cashing out, which I am also not very happy with. I like the card, it is convenient, but the shortcomings do not bother me too much, since almost everywhere you can already pay by bank transfer.
Grade: 5
I was very curious how it works and if everything is as promised, so I turned to the nearest bank branch. Everything was formalized very quickly, however, the limit was not approved for me at all, which I had hoped for, but a little less. It turned out that in addition to the passport, it is advisable to provide some additional document, as this increases the chances of getting the maximum credit limit. I would like to note that here it is quite high - 300,000 rubles!
In addition to a good rate of 12%, I received a free card service, various free remote services, as well as a very small minimum monthly payment. This is how my curiosity led me to a profitable credit card, which, it turns out, I needed so much!
Grade: 4
I used credit cards from different banks, so the conditions of the "Seasonal" card did not surprise me or upset me. So to speak, for me this is a normal card with normal conditions. But, like everything else, you can find the advantages and disadvantages of this card.
The disadvantages for me turned out to be:
- paid sms-informing
- very high commission when withdrawing cash
- withdrawal limits
Among the obvious pluses:
- the ability to apply online
- only a passport is required for registration
- free service
- very high credit limit
- interest is charged on the positive balance
In general, the card is good, especially since the cashback here is up to 40% and it is credited quite quickly - 2-4 weeks. And also, there are many partner stores, they are all very popular and their number is constantly increasing. The main thing is to carefully approach the issue of registration, so as not to lose sight of important details in the conditions that the bank offers. Specifically, there is no deception here, everything is exactly as described on the site.
Grade: 5
Grade: 5
I applied for a credit card, as I urgently needed a rather large amount. I didn't want to bother and take out a loan, because everything is always difficult with this, there are many important nuances that can be missed when in a hurry, and this is a long process. And in order to receive the "Seasonal" card, I simply filled out a short and simple application and on the same day I was invited to issue the card. Of the documents, only a passport was needed, which is also very convenient, in contrast to a ton of documents that are required when applying for any loan.
On the plus side, I can mention free service and Internet banking, all of which pleases, of course. The interest rate is also good - only 12%, and the credit limit of up to 300,000 rubles is impressive. By the way, they set a limit of 200,000 rubles for me, and I didn't even count on it. We were pleasantly surprised, again, plus sign! Also, the cashback is excellent for this card - up to 40%. I just make purchases in online stores, and after 2-3 weeks I get money for it, then I happily go to spend it!
The disadvantages of this credit card are that you have to pay for SMS notifications and there is a very high commission for withdrawing cash - 4.9% + 399 rubles both in native ATMs, partners, and third-party ones. But even this did not spoil my impression of using it, since I can not withdraw cash, and I do not mind spending only 89 rubles a month on SMS, because it is modern and convenient!
Card blocking. Reasons, reasons, situations
Blocking a card for many becomes an unpleasant surprise. Meanwhile, the main possible reasons for this situation are known. At the same time, banks are far from always being right in their decisions.
Is it possible to return the money withdrawn by fraudsters?
More and more people are faced with credit card fraud. Moreover, in many cases, the stolen funds can be returned. The correct algorithm of actions increases the chances of loss compensation.
How to choose a credit card
Credit cards differ in many ways: category, grace period conditions, service cost, availability of bonuses, and others. How to choose a credit card that best suits the owner's preferences and lifestyle?
How does a credit card work
All credit cards work in a similar way. Once having understood the nuances, each client will be able to use this banking product as efficiently as possible. Let's consider in detail the rules for using a credit card and the types of grace period.
How credit card payments are calculated
It is better to study the rules for calculating the monthly payment on a credit card even before concluding an agreement. This will save you from arrears, subsequent fines, problems with the bank and bad credit history.
Credit history
Credit history is information about accepted loan obligations, as well as the quality of their performance. Let's consider in detail how to find out your credit history, what a credit report consists of, and whether it is possible to fix a bad history.
Credit cards on the same day
A credit card issued on the same day is a real lifesaver for those who urgently need money. However, the speed and simplified registration procedure entails high interest rates and other restrictions.
Credit cards for purchases
Modern credit cards are not only a convenient means of payment, but also access to all kinds of loyalty programs. Let's take a look at 10 credit cards with the most attractive bonuses that you can use to get even more benefits from your purchases.
Credit cards with an interest-free period
A credit card with a grace period is one of the most demanded banking products. Let's consider the basic terms of provision and methods of calculating the interest-free period, as well as credit cards with the maximum grace period.
Credit cards with bonuses
The bonus program is an effective way to stimulate activity and reward the bank's clients. Modern financial institutions have a wide variety of loyalty programs in their arsenal. Let's dwell only on some of the most profitable and popular ones.
Credit Cards with Instant Solution
A credit card with an instant solution is the best option for those who want to apply from the comfort of their home and immediately find out the result of the review. Let's dwell on the processing procedure and the best offers in the segment of express credit cards.
Hilarious incidents from bank employees. It's only funny in life
Banking is serious, but not always. Sometimes clients become the protagonists of funny stories and incidents that can amuse and laugh.
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Payment order - what is it?
Money transfers are carried out in different forms: by letters of credit, collection orders, checks. And the first place in the volume of documents on the basis of which these operations are carried out is taken by payment orders (payments).
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How collectors work with debtors
The development of the banking system in Russia has led to the emergence of structures, the existence of which no one had previously suspected, except for a narrow circle of initiates. Collectors (collection agencies) specializing in out-of-court debt collection have become one of these structures.
Gold card
Plastic cards have firmly entered our life and continue to continuously expand the scope of their application. Tens of millions of people in Russia use them in their everyday life: they pay for goods and services in trade and service points, make money transfers, withdraw cash. The banking market offers thousands of card products with a variety of options. However, with such a wealth of choice, plastic cards are clearly divided according to belonging to one class or another.
Installment cards
Installment cards demonstrate a fundamentally different approach to lending. The product is interesting not only for users, but also for banks.
Mir - "Mir": the pros and cons of the national payment system
35 million people use Mir cards today, most of whom are state employees. For people who do not work in government organizations, such plastic is still unpopular: there are less than 4 million such holders. Indeed, Mir still has shortcomings. But there seem to be more advantages.
Investment life insurance: benefits and risks
Investment life insurance is becoming more and more popular in the insurance market. People are attracted by the opportunity to make money on investments and at the same time to secure the future of loved ones. But this tool has both pros and cons. Let's see who the ILI is suitable for.
For Good: How Charity Bank Cards Work
In the United States, charity cards have been issued since the 80s. In Russia, they are not yet so popular, but they definitely have potential: according to statistics, every second resident of the country spends up to 3 thousand rubles on charity. in year. Banks offer cards to help save rare animals, give children a home, or support lonely old people.
Plastic in the appendage: why do we need additional bank cards
Three-quarters of Russians use bank cards, but not every plastic owner has his own separate bank account. What are additional cards, how, why and under what conditions to issue them - everything in order.
Individual interest rate on a loan: what the borrower is, so is the interest
"Is it possible to lend even a penny to a man who has debts for three hundred thousand francs, and for his soul not a centime?" - exclaims the usurer Gobsek from Balzac's story and refuses to credit the count. Banks, like Gobsek, want to make money, not go broke. We will tell you how the individual rate helps them in this and what the personal interest depends on.
Union Pay cards: yuan in your pocket
For most Russians, a bank card is Visa, MasterCard or Mir. If anyone has heard of Union Pay cards, it is most likely out of earshot. In this article, we will tell you about the Union Pay payment system and its cards, whether it is worth purchasing them and where it can be done.
IYTC cards: empowering young travelers
Youth is the best time in life, full of hopes and desires. If love, then forever, if travel - then to the ends of the world! It is especially pleasant to discover the beauties of the world if you can save money on purchases. Such an opportunity for young travelers is provided by IYTC cards.
ITIC Teacher Cards: A Possibility To Save On Travel
Teachers and educators are representatives of one of the most respected and noble professions. These are people with a wide outlook, opening up the world for their wards - pupils and students. We are talking about the ITIC card, which helps to save money on travel and provides access to additional opportunities in the educational field.
"Dear you are our person", or what is Private Banking
A few years ago, the Russian market for financial VIP services was a pale semblance of the European one. But now our banks have moved from simple service in a separate room with expensive furniture to really interesting offers. First of all, it is a guarantee of anonymity, asset protection and personal conditions for the client.
Far Eastern hectare: master and build
More than 100 thousand people have applied for a "Far Eastern hectare", and 40 thousand plots have already been provided for free use. Their owners plan to build houses, conduct agricultural and other activities. We will tell you what kind of support they can count on in this article.
What is SMS loan
Today, to apply for a loan, register it and receive money, you do not need to visit a bank or MFO branch. This can be done remotely - by phone, through the online form on the website of the financial institution, in your personal account and even by SMS. In this article, we will tell you how and where you can get an SMS loan and what are its advantages and disadvantages.
Gold offers for the golden age. The best cards for seniors
Before leaving for a well-deserved rest, a person should decide how he would like to receive a pension: through the Russian Post or in a bank. Read about which of the Russian financial institutions is better for the elderly and where it is worth opening an account in this article.
Multicurrency card: why is it needed and where to apply
A multicurrency card will help free up space from excess plastic in your wallet, save money on purchases abroad and exchange currency in a couple of clicks on your smartphone. We will tell you where to order and how much you have to pay for the convenience.
Priority Pass or how to feel like VIP
Airport VIP lounges are designed for travelers who prefer comfort while waiting for a flight. There are several ways to get to this area, which is inaccessible to most passengers: buy a business class ticket, pay money to enter, participate in the airline's loyalty program. But the most versatile is the Priority Pass card.
What's in my name for you: hit parade of bank names
According to the Central Bank of the Russian Federation, as of June 26, 2018, there are 898 credit institutions in Russia. Of these, 62 are non-banking. Not every of the remaining 836 banks distinguished themselves with their imagination when choosing a name. With which banks everything is clear from the first word, and which names make you think - we will tell you in the article.
Numismatics: how to make money on coins
Numismatics is an entertaining hobby and a way of earning money. If you have a ten-ruble note "Chechen Republic" from the series "Russian Federation" lying around, consider that the budget has been replenished by 10 thousand rubles. Of course, about 95% of the coins are already held by enterprising collectors, but there is a chance that your profit lurks among the remaining 5%.
Not like everyone else: bank cards with a creative design
The desire to stand out, to possess something non-standard is characteristic of many people. Bank cards are no exception. Financial institutions, capturing the needs of customers, release plastic with exotic designs. Let's talk about such cards in this article.
Concierge service: as a personal assistant
The life of business and just active people is filled with interesting and important events. And sometimes they have neither the desire nor the opportunity to engage in routine or waste time searching for the information they need. In such cases, assistants, secretaries and a concierge service come to the rescue. We will talk about it in this article.
How to pay for a purchase in a store without money and a card
Apple, Google and Samsung Pei are no longer perceived as a swear word. Most people with a smartphone and a cursory understanding of banking products have heard of these contactless payment systems. We will tell you how to get access to technologies in this article.
RZD Bonus: Traveling with Benefits for Your Wallet
The railway, despite the growing competition from road and air carriers, is used by many. But not everyone knows that traveling by train can be made not only pleasant, but also profitable. Russian Railways (RZD) encourage passengers, and we will tell you how to use this in the article.
What is an Individual Pension Plan
The average insurance pension of a non-working pensioner as of January 1, 2018 is 14,329 rubles. Agree - the money is more than modest. One of the ways to increase the level of income for a future retiree is to apply for an Individual Pension Plan (IPP).
MCC: "kitchen" of rewards on plastic cards
Banks include cashback and participation in discount (bonus) programs in the conditions of many plastic cards. Holders are rewarded for certain transactions, usually for paying for purchases. You can find out which merchants (TSPs) participate in programs and promotions using the MCC, which we will discuss in this article.
5 ways to transfer money without commission
Money transfers are one of the most popular financial services. A fee is charged for such transactions. However, this is not a general rule. There are several ways to transfer money without a commission, and we will talk about them in this article.
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Almost every bank offers its customers an impressive range of credit cards. A large choice plays into the hands of the buyer of "credit cards", but with such a significant variety it is not surprising to get confused. What to look for in order to choose the best product?
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Distinctive Terms of Credit Cards Without Income Proofs
A credit card without income statement makes it easier for the borrower to collect documents. However, the terms of such a product are sometimes disadvantageous. At the same time, banks in any case study the financial condition of the client.
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How to choose a card for traveling abroad?
For traveling clients, banks are developing special card products. They have the characteristics that are most relevant for travel and flights. What are the criteria for evaluating such cards?
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VIP card: who will benefit from its features?
VIP cards are sometimes perceived exclusively as an image tool. Meanwhile, the advantages of such "plastic" are often practical. The product cost may well be justified.
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Making a payment by credit card. Options for dealing with a shortage of funds
Credit cards offer more opportunities to avoid delinquency than consumer loans. Appropriate solutions help prevent bank sanctions and maintain a positive reputation of the borrower.
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Why banks refuse a loan and what to do
It is unpleasant to receive a refusal in a necessary loan, especially when the motive for such a decision remains a secret for the client. In this article, we will reveal the main reasons for the rejection of loan applications. This will help avoid annoying mistakes and increase the likelihood of approval.
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How to put money on a credit card
The active use of a credit card means regular top-ups. You can put money on a credit card in many ways - cash or non-cash. In some cases, credit card top-up can bring additional benefits.
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Free money. We cash out a credit card without commission
Most often, cash withdrawals from credit cards are accompanied by a high commission. But not always.
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We change the salary card to a more profitable one: which "plastic" is better and how to overcome accounting
The possibilities of the salary card offered by the employer are often quite limited. When is it worth "looking around" and how to transfer salary receipts to another "plastic"?
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Stealing money from the card. If you have a bank card, you should know this
Fraudsters are inventing more and more ways to steal money from bank cards. Which ones are common today?
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Banks will store not only money, but also your vote
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Dispelling myths about contactless payment cards
For contactless payment cards, you must follow all the same security measures as for the rest. But do not forget to “filter” the “adult horror stories” and draw your own conclusions, weighing the incoming information.
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Will the bank pay for everything? What to do if money is stolen from the card
Unfortunately, theft of money from bank cards is not uncommon today. However, in certain situations, the debited amount can be returned.
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How to delight bankers or 7 steps to perfect credit history
"Why are they not giving me a loan from banks?" - this question torments many failed borrowers. Let's look at the situation through the eyes of credit institutions and find out how they evaluate clients. Having this information, you will not conquer the world, but you will be able to get a loan on favorable terms.
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Loan delays. Instructions for coping with financial difficulties.
In the life of any person, the unexpected can happen. Job loss, injury, illness, loss of loved ones. In such cases, hands give up, and the fulfillment of debt obligations is relegated to the background. This article will be useful to those who have outstanding loans. We wish this information will never be useful to you, but if problems arise, you know where to find it.
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Refinancing fashion. What% rates are trending now.
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Tired of faceless plastic and monotonous programs with miles or cashback? Then this is a selection for you. Here are collected 6 proposals of Russian banks, which definitely cannot be called trivial. Choose according to your taste.
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The bank protects the bank: how to insure a debit card
More than 1 billion rubles. per year - according to the Central Bank, this amount has been stolen from bank cards of Russians for several years. In order not to get into the disappointing statistics, it is worth taking care of plastic insurance. We will tell you what offers the banks have.
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“Sign here where the check mark is,” says a bank employee, handing over sheets of paper. There is no time to read the contract, and I don’t want to strain my eyes. Obediently display the signature, take the copy for yourself. Sound familiar? Now let's figure out what you need to pay attention to before signing the contract.
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Bank in your pocket. Advanced Gadgets for Banking Clients
The digital revolution has not spared the banking sector: today we can replenish an account or make contactless payments using small but functional devices. Let's talk about the most useful of them and how the process of introducing such innovations in Russia is going.
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Bought on AliExpress - get your money back
Everything from smartphones to dog muzzles in the form of a duck beak is sold on AliExpress. The popularity of the trading platform prompted banks to create special cards. With them, you can not only conveniently pay for purchases, but also return part of the money spent. What plastic can you buy over and over again? We understand the conditions and choose.
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Mistrust Index. Are Russian banks ready to give loans to foreigners?
A foreigner will need at least 8 years to obtain Russian citizenship in accordance with the general procedure. Is it possible to get a loan at this time or is it better to wait for the coveted passport, read our article.
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White or black. The whole truth about credit brokers
Received an advance and never answered the phone again - this is a typical response from a victim of a black loan broker. Read about how not to get into a similar situation and choose an honest and competent financial consultant in this article.
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My bank is being sanitized. What does it mean and what to do
Experts from the DIA say that the situation with bank reorganization in Russia is improving: today there are only 5 projects started (for comparison, in 2015 there were 18). But after last year's high-profile stories with B&N Bank and Otkritie Bank, customers are worried. We will tell you why reorganization is not so scary for depositors and what to do if the bank is “healed”.
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I am a freelancer. Can my card be blocked?
Recently, they often talk about blocking bank cards. This question is especially relevant for freelancers, whose money transactions often look "suspicious". Let's figure out what can lead to the card blocking and what to do if it does happen.
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My bank's license was revoked. What to do?
The cleaning of the banking sector has subsided, but, as experience shows, the revocation of the license can affect any bank. For clients, this news turns out to be unpleasant and unexpected. The questions immediately arise: is it necessary to repay the loan, will the money be lost, and where to run at all? We answer frequently asked questions that bank clients face in such a situation.
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A bank for every gamer: how to save on games using bank cards
A new game for PS4 costs 4000 rubles. It hurts, but you don't want to miss the expected release. Realizing that gamers regularly spend a lot of money, banks began issuing cashback cards for purchases on Steam, PlayStation Store and electronics stores. We have selected bank cards for different types of gamers - from noobs to hardcore players. Take your pick.
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WORLD cashback: which bank to choose to squeeze the maximum out of the card
Cashback is a long and effective "bait" with the help of which payment systems and issuing banks attract customers. MIR cards issued by Russian banks are no exception. Moreover, for some "WORLD" products, you can get a double bonus - from the bank and from the payment system.
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Which bank to choose - public or private
Extra money has started up, which makes sense to put on a deposit. Or vice versa, there was a desire to buy something on credit. Then you will probably have to think about which bank to apply to - public or private. In this article, we will tell you what is the difference between them and what to be guided by when choosing.
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Depersonalized metal accounts: how easy it is to invest in precious metals
Against the backdrop of economic instability, gold and other precious metals seem to be a safe and quiet haven. But keeping gold bars at home is not very safe. For such cases, banks offer anonymized metal accounts. We will tell you how to become an investor in precious metals without even touching them.
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How to save money on online purchases: cashback cards and online services
Buying on the Internet is convenient and fast. Money in virtual stores is spent more discreetly than in regular stores. Online shopping can be profitable with special offers from banks and online services. We will tell you how to buy equipment, clothes, air tickets and whatever, and get paid for it.
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Is it possible to make money on a savings account
Imagine that you have free 30 thousand rubles set aside for vacation. The trip is scheduled in 2 months and the idea of "attaching" your hard-earned money arises. The first thought is a deposit, but you will have to say goodbye to savings for at least a quarter. A savings account will help make money work without restrictions on its use.
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How to increase your salary using an individual salary project
Slavery in Russia was abolished in 1861, and "wage slavery" in 2015. What has changed since then and how do banks attract free-floating payroll clients? We tell you about the most interesting offers: interest on the balance, cashback, preferential loans and VIP privileges.
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Mobile Banking vs. Internet Banking: Which is Safer
The digitalization of the banking sector is in full swing: more and more people are mastering mobile and internet banking. We find out which of these services is more reliable, and tell you how to secure your data.
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Foreign bank account. What reports to submit
More and more Russians are opening accounts abroad. This is convenient for those who live abroad permanently or for a long time, and for those who travel frequently. But an account in a foreign bank is not only new opportunities, but also new responsibilities. Let's talk about them.
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Bankers' Marketing Tricks
If you are going to place free money in a deposit or take a mortgage, then first of all you are looking for the most profitable programs. Financial institutions, of course, react to these signals and throw tempting offers on the market. In this article, we will tell you about the tricks that banks resort to in order to retain and expand their circle of customers.
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From point A to point B: how to transfer money across the Russian Federation
Probably, every person at least once faced the need to send money to another city. Previously, for this you had to come to the post office or bank and huddle in line. Now there are many more ways available: through terminals, ATMs or a mobile phone. We will tell you about all the options in terms of benefits and speed.
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Save and grow: where to invest dollars
For those who have a stock of US dollars, the actual question is whether it is possible to "attach" them in our country and make money on it. Let's talk about several ways of investing the American currency that can bring income.
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Features of national crowdfunding or how to properly fund a startup
If you bought Apple stock for $ 1 twenty years ago, you would have earned about $ 22,300 today. Read about whether there is a chance in 2018 to invest your hard-earned money as well in this article.
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Plastic for superheroes. What cards would comic book characters use in Russia
The heroes and villains of the DC and Marvel universes often act like ordinary people: they go shopping, eat in restaurants, travel. We decided to dream up and choose profitable bank cards for popular comic book heroes. Whether Russian banks will be able to satisfy superhero needs, read our article.
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5 ways to get out of the financial crisis
I would like to think that the financial crisis is something that happens to others. In reality, anyone can find themselves in a debt trap due to difficult life circumstances or a banal inability to use credit products. We have compiled 5 practical ways to help you get out of the financial crisis.
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Where to get money for a student
The minimum scholarship for bachelor's, specialist's and master's degrees in Russia is 1340 rubles. With a good study, you can count on 5-7 thousand rubles, but in any case, it is impossible to live on that kind of money. We will tell you where students are given loans on favorable terms and what to look for in order not to create problems for yourself and your parents.
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Summer tickets: travel cards
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The bank demands to repay the loan, which I did not take. What to do?
A letter from an unknown sender or a call from an unknown number, as a rule, does not bode well. In the best case, they will be loaded with advertising, or even an unpleasant surprise will be presented. Such a surprise may be the bank's requirement to repay the loan that the person did not take. We will tell you how to behave in such situations in this article.
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Taxable income for writing off credit debt
Imagine a situation: a bank client took a loan, but could not pay off. Neither the bank nor the collectors were able to collect the debt, and after a while the borrower receives a notification that his debt has been written off. But it's too early to rejoice: you will have to pay tax on the income received.
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What to choose - Priority Pass or Lounge Key
For those who fly frequently and prefer to travel in comfort, spending many hours in the noisy and crowded halls of the airport is a real torture. Participation in one of the international programs of access to the airport lounges can be a salvation. In this article, we will tell you about two of them - Priority Pass and Lounge Key.
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Chargeback: how to return money to the card and not get into a puddle
Payment for goods or services by credit card is modern, fast and convenient. True, sometimes during such operations, misunderstandings arise. But even if the item paid for by the card is not received, the problem can be resolved without going to court - using a chargeback.
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Do anti-collectors help debtors
The credit market gave birth to collectors, and then the opposite force - anti-collectors. The latter are approached by borrowers who have fallen into a hole in debt. In despair, a person cannot correctly assess the situation and grabs at straws. Benefit or harm will be brought by "defenders of the debtor", depending on the situation.
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Increase in the loan rate: legal or not
Loan interest is a sore subject, but borrowers are even more worried about changing them. Worries are often unfounded, and the bank will not unilaterally increase the interest on the loan. But there are exceptions to any rule.
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The limitation period is the period, the completion of which frees the borrower from the prospect of being prosecuted by the bank. The theory is based on legislation, namely, on the Civil Code of the Russian Federation. In practice, questions arise about the methodology for calculating the term. Often the loan has to be repaid even after the cherished 3 years.
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What to do with a debt to a bank if they are taken to serve in the army
Defending the Motherland is a sacred thing, but not always rewarding. Men liable for military service risk getting into a situation where they owe not only the country, but also the bank. Taking a loan up to 27 years old is not a problem, but how can you repay it if you have to walk past a bank branch for a whole year?
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What to do if you cheated when buying on the Internet
The average check of a person cheated when shopping on the Internet is 15 thousand. rub. It is difficult to calculate how many people were left without goods and without money. Not all victims report incidents, because they believe that it is impossible to return the money. This is not true. We will tell you where to look for justice and how to protect yourself from fraudsters.
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How to lend money correctly
Situations when someone asks for a loan are not uncommon. If there is an opportunity to help, people help. But when it comes to a large amount, you should borrow wisely, without neglecting the rules of the law. This approach will help guarantee a refund.
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How to properly interact with collectors
The practice of obtaining loans in Russia has been actively developing since the early 2000s. In parallel with this, the number of collection agencies is growing, collecting debts from would-be borrowers. For the current year, collectors plan to return 14 billion rubles, which means that the risk of becoming their "client", even without debt, is rapidly increasing.
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Cards with free TCD policy
Many people know that banks offer bonus cards for travelers. But not everyone knows about an additional service - free insurance for those traveling abroad. Next, we will tell you why a TCD policy is needed abroad, what it protects against, and what bank offers you should pay attention to.
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6 mistakes when using credit cards
A credit card is a profitable way to borrow money from a bank. If the borrower uses the tool competently, then he does not pay interest. However, not everyone understands how this scheme works. Many make mistakes that make debt snowball. Next, we will consider the most common ones.
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Taxi Savings Cards
Holders of bank cards can save money on taxis in several ways: receive cashback for trips, exchange points for taxi certificates, and also receive discounts when ordering cars. Such privileges are available to owners of both credit and debit plastic. Let's talk about the banks' proposals in more detail.
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Foreign currency transfers
When transferring money abroad, pay attention to the commission, the term for crediting funds and security guarantees. There are three main ways: through a bank, using electronic payment systems or international fast transfer systems. Next, we'll talk about the pros and cons of these options.
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Aeroflot Bonus: savings and comfort
"Fly Aeroflot planes!" - the advertising of the times of the USSR called for, as if people had a choice. Now there really is a choice, and airlines, operating in a competitive environment, use various marketing techniques to retain and expand their customer audience. One of them is Aeroflot Bonus, which we will discuss in this article.
Credit cards are a good payment instrument. They have more advantages in comparison with a cash loan. Therefore, customers make them out in order to have a certain airbag. If at some point financial difficulties arise, you can use a plastic card. Unlike the same cash loan, here, if you do not use the bank's money, interest does not drip. That is, a credit card can function as a wallet for a rainy day.
Below we will tell you about one such financial instrument that Vostochny Bank offers to its clients. This is a Seasonal credit card. The credit card is characterized by a high limit, a fairly low interest rate, convenient services that are automatically connected when a plastic card is issued.
Basic parameters of a seasonal credit card from Vostochny Bank
A seasonal credit card from the organization Vostochny Bank is issued on the following conditions:
in the range of 55-300 thousand rubles
Grace period
56 days. It is valid only when paying for goods / services
Annual rate
for non-cash transactions - 28.9, for cashing - 52.9, but in the first quarter - 11.5%;
Minimum payment per month
1% of the principal amount plus accrued interest, but at least RUB 500
Annual maintenance
is free
Internet bank
service provided
You can participate in the bank's action, "Recommendation". If, on the recommendation of a client of the organization, his friends, acquaintances or relatives apply to the bank, he receives 1000 bonuses (1 bonus = 1 ruble). The link for sending can be obtained by specifying the phone number and clicking on "Get link".
Who can apply for a Seasonal card from Vostochny Bank
In the organization Vostochny Bank, a credit card is issued to a Russian citizen if he meets the following requirements:
- Age: 21-71 years old
- Registration / residence: in the region of operation of the financial institution
- Work experience: for citizens under 26 years old, 12 months of work experience in last place is required, for other Russians - quarterly
- Income: sufficient to repay the loan
- Documents: passport, and for citizens under 26 years old - proof of income. This can be a certificate in the form of the bank itself or 2-NDFL
How to get a Seasonal credit card from Vostochny Bank
There are two options for designing a financial instrument. The first way is classic. You visit a bank branch, fill out an application, provide the necessary documents and wait for a decision of a financial institution. But we recommend that you apply for an Orient Express credit card online, through the institution's website. Why waste time visiting the office if you can do it at home / at work, if you have a computer / smartphone connected to the Internet?
Going to the page of this card, click on "Get a card", fill in the contact information, attach the necessary documents. An online application for a Vostochny credit card submitted through the website is considered in 5 minutes. The loan is issued on the day of application, if your documents meet the requirements of the bank
Servicing a Seasonal card from Vostochny Bank
When using a credit card, cashback is allowed up to 40% if payment is made through the bank's service. The use of the client's own funds is allowed. With the balance on the account, they go to 2/4% per annum, if the amount is from / to (inclusive) 500 thousand.
The card is intended for non-cash transactions, but the bank allows you to withdraw up to 150 thousand / 1 million per day / month. If cashing out occurs at ATMs / POPs of the Vostochny organization, there will be interest: 4.9% plus 399 rubles. If this operation is carried out through ATMs / PVN of third-party institutions - 4.9% plus 399 rubles, but 90 rubles. will be the client's own funds.
Among other expenses, we note 89 rubles / month for SMS notifications (the first month is not taken), 15 rubles / operation for requesting a balance at ATMs of other banks, and up to 20% of a fine on the amount of delay for missing a payment.
You can repay the debt without commissions only through the cash desks / terminals / ATMs of Vostochny Bank itself. Otherwise, there will be commissions of 1.5-2.5%. It all depends on the payment method: Qiwi, Rapid, Zolotaya Korona, cards of other banks, etc.
How to Apply for an Instant Seasonal Credit Card?
There are also cases when the client wants to urgently issue a credit card. The bank took this into account, therefore, the instant issuance of a payment instrument is possible here. And in this case, an application for a Vostochny credit card can be submitted online. You are waiting for the approval of the questionnaire and pick up the plastic card at the nearest office! You can go straight to the department with the documents and get a credit card in a quarter of an hour! The probability of failure is low, and the funds can be used immediately upon receipt.
Conditions for issuing a credit card Seasonal at the Eastern Bank organization is slightly softer: Russian citizenship, 21 years of age, quarterly work experience.
- You can apply for a card only with a passport To do this, you need to reach the age of 26.
- It is possible to issue an instant card It will take 15 minutes.
- Internet purchases can return up to 40% of the amount spent Money is credited up to 1.5 months.
- Security Settlements in the global network are carried out through a secure system 3D-Secure
- Payments are accepted from mobile devices Android Pay only.
- Cash out requires high fees 4.9% plus RUB 399
- When money is withdrawn from the card, the grace period ceases to apply Interest will start going the next day.
- No contactless payment You should always use a card.
- Mobile payments Payments from mobile devices powered by Apple / Sumsung Pay are not accepted.
Credit card in Vostochny Bank: fast processing
Vostochny Bank offers to issue a credit card on the simplest terms, if necessary - urgently. We know how important it is sometimes to get the required amount on time, and therefore we really offer. The "Comfort" card is issued for individuals online or at any branch of Vostochny Bank.
Benefits of ordering a "Comfort" credit card
To get a Comfort credit card, you do not need to waste your time standing in queues and collecting various certificates. The main documents for registration are a passport and an application.
Additionally, you can provide:
- insurance number of an individual personal account of a citizen (SNILS);
- international passport;
- driver's license;
- pensioner's ID;
- work book, certified at the main place of work, no more than a month old;
- military ID;
- a document that confirms the income and employment of the applicant (if he is less than 25 years old).
Additional documents are not required, but their presence will help you to get the maximum credit limit.
What are the benefits of this banking product? By ordering a "Comfort" bank credit card, you get:
- 56 days of a grace period during which no interest is charged for the use of money;
- convenient subsequent monthly payment, which will allow you to close the loan quickly enough, and will not hit the family budget;
- quick decision on card issuance (within 5 minutes);
- the ability to make fast and secure financial transactions on the Internet, thanks to the fact that the "Comfort" credit card is protected by 3-D Secure technology.
How do I apply for an instant credit card?
The prerequisites for are:
- citizenship of the Russian Federation;
- work experience of at least 3 months;
- the applicant's age is over 21 years.
You can apply for an urgent issue of the "Comfort" card online. After approval, you just have to pick it up at the nearest bank branch!
Or contact any office of Vostochny Bank. Banking service if you have documents with a low probability of refusal. The use of money is possible immediately upon receipt!
Features of the instant credit card "Comfort"
To keep track of the status of your credit account, you can issue card statements. They will be sent to your e-mail every month. We also offer to connect an instant SMS notification about all transactions associated with your account.
The indisputable advantage of the "Comfort" card is the simplicity of loan repayment. Favorable interest rates and ease of service are the main advantages of this banking product.
You can make payments:
- using payment systems CyberPlat, QIWI and others;
- bank transfers or online transfers from card to card;
- transfer through the Russian Post.
Having issued a Comfort credit card, you get:
- a year of free banking service;
- the opportunity to participate in intrabank promotions;
- discounts on various services and goods when paying by credit card.
Vostochny Bank issues credit cards to individuals - practically without refusal. We are used to trusting our clients, and our clients trust us!
Do you want to buy an expensive item, but you don’t have enough money for it now? A credit card from Vostochny Bank can correct the situation. Now the bank issues this means of payment to individuals for a day. The card can be issued using a passport at a bank branch or remotely.
Conditions for issuing credit cards in Eastern Bank
For those wishing to order a credit card from Vostochny Bank, the following conditions of work with a means of payment apply:
- loan interest - 10.00% per annum (the bank has a flat rate);
- card credit limit - up to a million rubles;
- grace period for crediting - 50 days;
- issue of 5 additional cards;
- free annual service (free cards are offered by many banks in Russia).
Also, credit cards allow you to get cashback for large purchases.
All citizens of Russia can receive credit cards from Vostochny Bank. To do this, they just need to submit a request for a credit card on the organization's website. An online application for such a means of payment can be submitted by you at any convenient time. The bank will review it in an hour. If the application is approved, you will need to come to the branch, select the design of the payment method and issue a credit card from Vostochny Bank along with the agreement. The credit card will be active on the day of receipt.