Reviews about the "Mail Bank" on loans and credit cards

“Mail, Bank,” not long ago works on the territory of our country, but it's pretty popular. The creation of such banking institutions represents a new milestone in the development of banking services in the Russian market. The incorporation of banking elements of email infrastructure creates the possibility of using financial services for all citizens of our great country, even residents of the most remote regions. The organization is trying to maximize the opportunities that present shareholders, - “Russian Post» and «VTB Bank”. We will discuss about “Mail, Bank,” customer reviews on loans and other products, and also learn some interesting and lucrative offers have in his Arsenal.

A Little more about the Bank

The Main feature of this Bank is the ability to send cards with “Russian post”. There are post offices in each region, so the card is available to anyone. Among banking products of the organization are and debit cards, but also deposits and loans of various kinds. Reviews about loans “Mail Bank" of Russia, many are interested.

Credit cards: conditions of receipt and feedback

Now in the presented Bank offers several varieties of credit cards. The conditions for obtaining very loyal.

Among the proposals of the Bank most popular:

• “the Green world”. Card issued in conjunction with the company «Maracalagonis”. This organization helps to restore the forests in the territory of the Russian Federation. All funds received as income from these credit card lists for this purpose. The use of the card is subject to the following conditions: payment by Bank transfer without a fee, there is a full package of bonuses and privileges from VisaPremium, % -19,9 % a year interest free period is 60 days, the maximum amount – 500 000 RUB., in the expenditure of three thousand rubles Bank experts promise to plant one tree. There are other cards. More on that later.
• The‘Element 120”. To design the maps you want to send the online application form. Possible to provide the amount of – 300 thousand rubles, the availability of discount programs and insurance, the possibility of providing care outside of the Russian Federation, the duration of the grace period – 120 days, monthly payment is 5 % of the debt, the interest rate is around 27 %. What other products are available in the Bank?
• “Express Mail". This card is no interest accrual. Very quick decision on credit card – literally five minutes. The customer can choose one of three options limit: 15, 10 and 5 thousand rubles; maintained card free. The proposal generated for the daily non-cash expenses.

How to recharge credit score?

Replenishment of account is made via money transfer or avtopostachannia with a debit card (Commission is charged at the rate of 1.9 %, but not less than 29 rubles), including the over the counter at the Bank office or ATM. Closing a credit card is only available at the Bank's office. Standard age limit for these proposals: 21 to 65 years-for men and 18 years to 70 – for women. In addition, you need to have Russian citizenship and permanent registration in the region of receiving the credit card.

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The Benefits of using credit cards

According to the feedback on “Mail Bank" of the loan and the rest of the banking products, credit cards are profitable because many of the Bank's partner stores offer various discounts and bonuses. According to many people, these products can be used in grace period. If you adhere to this rule, the use of cards is beneficial and brings only positive emotions. Plus users also include the possibility to order the card, while at home, in a personal computer, by an online application, and the finished map will be sent you by mail to your home address. In addition, especially popular among cardholders enjoy the service, which you can change the maturity date. Penalties it does not pay, users say that in certain circumstances this is a very convenient service.

But still the majority of customers are particularly pleased with a long grace period (perhaps, this is the best offer at the moment among credit cards), which is 120 days. That is, you use the card, pay for purchases, you can withdraw cash within three months pay no interest for the use of funds of the Bank.

Loan Program: terms and conditions customer reviews

To date, “Mail Bank" of several loan programs with various interest rates. Conditions, according to customer reviews on loans in “Mail Bank" on which loans are provided, can vary depending on the individual circumstances of the client. The interest rate is set in the range of 19.9 % to 34.5 % per year. Briefly tell about cash loans and credit conditions in the “Mail Bank" ofreviews and other available information.

Credit “Preferential”

This is a consumer loan that does not require collateral or guarantors. Proof of income is possible without reference from the place of work, but in this case it will be a higher percentage (29.6% in the year, and with the help of 2 personal income tax, of 19.9 %). Loan term is 12 to 36 months. The amount provided in this case to 150 000 rubles.

“Preferential Loan Special” is an offer for regular customers of the Bank with its deposits or accounts. The deadline for submission of funds-up to 36 months, and the amount to 150 000 rubles. In this case, does not require proof of income. The interest rate is favorable and from 16.9 to 24.9% in the year. Upon presentation of a certificate confirming income, the Bank customer receives the money under the minimum percent. Feedback on “Mail, Bank” on the loan people, on this proposal, saying that when providing proof of income to get a loan quite easily. Otherwise, the rate is very high and the loan expensive.

Credit “Business mail”

According to the testimony of customers, this offer is interesting because, by activating the option "Guaranteed interest rate”, you can recalculate the interest at the minimum rate and return the portion paid on the loan funds. This credit is only available to customers based on the feedback on “Mail, Bank,” loans and information on the website. Possible to provide the amount of 1000 000 rubles. Loan possible for up to five years. The interest rate from 19,9% to 29.5 %. Program

“Just loan”. The results is without collateral, guarantors and inquiries on incomes, but very high interest rates – 34.5% in the year, and the term is very small – just 12 months.

Credit “Post”

The Interest rate can range from 24% to 34 %. Required standard set of documents: passport, proof of income. In that case, if the borrower does not allow the arrears and repay the loan within the prescribed period, the Bank returns the funds by recalculation of interest. In order to reduce credit rate, you need to provide more documents, the maximum amount-300 000 roubles, term from 1 year to five years.

A Loan “First post". According to the testimony of the borrowers, it is the most popular type of loan among other products of the Bank.

It is issued for any purpose, the requirements and a set of documents - a standard. For registration do not need references, Deposit and a guarantor – this is also noted by customers as a plus. Interest rate – 19.9 % to 29.5 % per annum. With the aim of reducing the overpayment, you can connect the option "Guaranteed interest rate”. The maximum possible loan amount 1 000 000 rubles.

I Must say that the option "Guaranteed interest rate” enjoys among customers with popularity, according to the feedback on “Mail, Bank,” loans. It does not apply to short-term credit program. Clients note that in the faithful discharge of their obligations and preventing delinquency this option is very beneficial. Although she paid (3% of the loan amount), but it turns out to be for the benefit of the client. The connection of this service is possible only if the loan is from 1 year. The percentage is recalculated to 16.9 % per year, and the difference is credited to the customer's card. Feedback on “Mail Bank" on loans to individuals and other informative sources give more detailed information.

In conclusion

In most cases, the organization's customers pleased with the work of financial institutions. This is confirmed by reviews about the conditions of the cash loan “Mail, Bank” and credit cards. Although late payments increases the costs and spoils the reputation of the borrower. But there is one nice moment. This is also available reviews. In “Mail Bank" credit to pensioners is 12% per annum.