"Alfa-Bank": credit cards, reviews, comments

If you have already had the practice of receiving wages on the card for you - credit card «Alfa Bank». Customer reviews indicate that with the experience of using a debit card “addictive” to convenient credit product is faster. To take such a step makes sense for example, to make a major family purchase. Don't need a long time to accumulate the salary, accumulating the required amount on the debit payroll card. It offers Internet service «Alfa Bank». To do this, use the menu: products «Alfa Bank» debit/ Credit card. Reviews of Bank customers say about the convenience of the service. In addition, with the help of this tool you have the opportunity to lend money to the Bank in advance, paying “unproductive” days, and immediately before the acquisition. If you paid not in cash, based on the card in the machine, and by acquiring, then you were doubly prudent, saving on Bank charges for withdrawals from the card account.

Another factor in the choice ATM is a well-developed corporate infrastructure for the company «Alfa Bank» credit cards. Customer testimonials also to convince you of its reliability. From the experience of receiving the salary already old friends are the standard card details: 16 digit card number 10-digit number of the card account. But, as you know, the new banknote will be further attached line of credit.

Arriving at the Bank, certainly have a certain time to spend on design. Thus it is necessary to carry not only your passport, identification number, and evidence of the dynamics of their income – tax certificate 2-pit. If the loan amount is significant, it will help to reduce Bank interest certificate for the vehicle passport (if the trip abroad in the past 12 months), the policy of voluntary insurance. The Department, in which you appealed, is issued a special package of documents – credit application. Filling it out will need to wait for consideration of the credit Committee, so that if a positive result is to obtain from the company «Alfa Bank» credit cards. Reviews indicate that conventional banks in domestic practice, credit approval «Alfa Bank» expeditious.

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Decide in what currency the loan you will be profitable. If to buy in the domestic market – in rubles, while traveling in Europe-in euros, if the country is dominated by dollar payments in dollars. Although, in principle, universal card, but as you know, buying in local store for a dollar credit card will entail an additional fee for conversion, which can be avoided by initially opening the map in rubles.

It makes sense to consult with employees about the optimal limits cash withdrawals, especially if the operations abroad will need this credit card. «Alfa Bank» interest involves moderate on this account do not worry. The credit limit for individuals is from 10.8 to 450 thousand RUB over the Range of interest rates for ruble loans - 17,99/of 28.99 foreign same - 15,99/26,99. The period of withdrawing money from credit card without interest for them (grace period) is 60 days. But in the case of shares to increase it to 100 days! That is, in this interval the borrower should repay the Bank.

What to choose from the company «Alfa Bank» credit cards? Reviews makes no sense to look here.  given the choice between Visa, MasterCard, MasterCard PayPass, Visa PayWave. The point is that with all of the above options “classic” the credit limit is 150 thousand rubles, 5 thousand $ 3.8 thousand euros.

If your earnings fall under the category of «gold» credit card, then you can choose to “premium class”. Includes maps of GOLD, opening of special club benefits and services in hotels  when travel. In this case, the credit limits will be respectively 300 thousand, 10 thousand US $ 7.6 thousand euros. For business trips abroad by wealthy citizens who appreciate comfort and quality service best suited card PLATINUM. Loans under this class involves cards credit lines: RUB 750 thousand, 25 thousand, $ 19 thousand.

Specified by the Bank time to assess your application for credit 1–5 days. Good luck!