Design. Credit card no annual fee
Table of contents:
Credit cards have become quite a handy tool for cash management. They are considered to be the type of loan that is easy to get and convenient to pay. Despite the wide choice, the most popular credit card with no annual fee, which will be described later in the article.
Key benefits
Trying to keep loyal customers and attract new ones, many banks are developing new conditions of service for credit cards. The main advantage is the interest-free period of use of funds. All banks it's different, but such a possibility entitles the borrower some time to think about financial problems.
Credit card no annual fee the service is becoming more urgent, although in the contract the Bank customer must be especially careful.
First, this card can be a high interest rate beyond the interest-free period. Secondly, free maintenance, can last for only the first year after receiving the card. And third, can be high interest rates for withdrawing cash, converting, etc.
Features
Credit card no annual fee, unlike the others, can have a minimum set of options. In other words, it is given for acquaintance with the Bank. Most likely, after the expiry of this card will be transferred to annual service with a wide range of options.
The Map service is the advertising company of the Bank to attract new customers, so it is necessary to understand how beneficial its use:
- The Average annual service credit is from 750 to 3000 rubles, depending on the card type and set of options therefore, the client of the Bank before execution of the contract, it is necessary for yourself to understand, will the map be used continuously or it's fallback for a rainy day.
- If the card will be used constantly, especially for non-cash purchases abroad, you should pay attention to the size conversion. After all, if a card with no maintenance, it is likely that the Bank will take sky-high interest rates for this option, then the meaning of free service disappears. A Bank customer will lose money on other card transactions.
- Customers who constantly work with maps, may be issued a credit card with no annual fee with the full set of options (usually this is the “gold” cards for preferred clients).
Design
To apply for a credit card with no annual fee can be filed in a financial institution or through the official website of the Bank, leaving the online application. For decoration only need a passport, but in this case, and the limit on cash is small.
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If you wish to get a large amount, you should be ready to provide a full package of documents:
- The passport of the Russian Federation;
- Certificate in the form of 2 NDFL, proof of income;
- Additional documents confirming the identity;
- Copy of employment record;
- Any other documents requested by the Bank.
If a person has a salary card of a particular Bank, the request for a credit card it is better to do the same. There is the possibility that the interest rate in this case will be less, and annual maintenance will be missing.
Banks Offers
Here are some proposals from different banks, where can be credit card with no annual fee.
Bank Name | Basic conditions |
"VTB 24" |
|
"Bank of Moscow" |
|
"Renaissance Credit" |
|
"PSB" |
|
"RAB" |
|
There are, of course, other proposals from other financial institutions. In any case, each borrower is required to choose the conditions best suited to him.
Proposals from Sberbank
A Credit card of Sberbank without annual service is offered to the regular customers who already have a debit card, or payroll clients. In both cases, this pre-approved card with no maintenance with individual monetary limit.
"gold card".
The Service | Billing |
Annual maintenance |
|
Interest Rate on loan % |
|
The Limit for cash withdrawal per day | 100 000 – 300 000 RUB. |
Almost the same characteristics and has the card "donate life". Small differences are in pricing and the limit on the issuance of money per day.
The Service | Billing |
Annual maintenance |
|
Interest Rate on loan % |
|
The Limit for cash withdrawal per day | 50 000-300 000 RUB. (depending on card type and whether the customer is a constant). |
Sberbank for its part directs up to 50% of the annual service for charity purposes.
Map of the "Classic".
The Service | Billing |
Annual maintenance |
|
Interest Rate on loan % |
|
The Limit for cash withdrawal per day | 50 000 – 150 000 RUB. |
Interest and map of "Aeroflot". Depending on its type, the customer receives after paying their purchases for every 50 rubles from 500 to 1000 “miles”.
The Service | Billing |
Annual maintenance | ...
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