Requirements for issuing credit cards. Credit cards, the nuances of obtaining and using

VTB Bank offers its customers big choice debit and credit cards for clearance. The simplest of them is the Classic. However, in order to emphasize your status and receive additional privileges, you need to order a card higher than Standard and Classic plastic.

VTB Gold Debit and Credit Cards can be issued in several versions. Let's take a closer look at the features of obtaining and tariffs for Gold cards at VTB.

Card types

The Gold card can be either credit or debit.

A gold debit card is issued free of charge, but you will have to pay for use. The holder of such a banking product has the right to issue additional cards free of charge by linking them to his main account. Cashing out funds from Gold at ATMs that belong to the VTB system is free of charge, in the systems of other banks - with a commission of 1% of the amount required for withdrawal.

If you are payroll client VTB, you have the opportunity to issue debit card with overdraft. True, a 2% commission of the total withdrawal amount is charged for this.

The conditions for issuing a Mir card are quite favorable. Such banking product allows its holders to accumulate bonuses (miles) and pay for the purchase of air tickets, hotel reservations, rent vehicle. If you wish, you can refuse cashback services.

In order to apply for such a banking product, you need to apply to the VTB 24 branch or fill out an online form. The issue fee is 300 rubles, but it is affordable free service if the card is in active use.

Thus, a VTB client can spend money and travel for bonus points. However, this is far from the only debit VTB that can be issued. The following types are also available to you:

"Collection"

Such a card from VTB allows its holder to receive accruals in the amount of 1 point for every 30 rubles spent from the card. You can spend bonuses on any services or goods in any of the online stores that are a partner of VTB Bank.

There is no fee for the annual use of such a banking product for active clients. If money turnover the account will be less than 15,000 rubles per month, then for each year you will have to make a payment in the amount of 300 rubles

"Autocard VTB"

The issue of such a card from VTB will cost 300 rubles. Payment for use is 0 rubles. A bonus for the holders of this product will be a cashback of 3% when paying for engine fuel for any gas station, as well as 1% on any other purchases.

“Map of impressions”

For the release of such plastic, it is necessary to make a payment in the amount of 300 rubles, and the annual service is free for people who pay with a card for purchases and services of at least 15,000 rubles.

As a bonus, the cardholder gets the opportunity to return 3% of bill payments in various establishments. Cashback for any other purchases and services is 1%. In addition, this program includes a service for booking tables and tickets.

Golden credit cards

Credit Gold-card, just like a debit card, has very convenient and loyal terms of use for its holders. The amount of the minimum monthly payment must be at least 3% of the total debt + charges for using the card.

Loans must be repaid by the 20th of every month. If the client has delays, the bank charges an amount of 0.1% of the total debt for each day of delay in payments.

Take off cash You can at any ATM. If payment terminal refers to the system of VTB banks, in this case no cashing fee will be charged. If this is an ATM of another bank, the commission will be at least 5.5%. Minimum amount withdrawals - 300 rubles.

Terms of Service credit cards“Automap”, “Map of the World”, “Map of Impressions” are the same. Namely:

• price for the release of plastic - 300 rubles;
• rate of 26% per annum;
• grace period - 50 days.

In addition, the cardholder can receive free service if the cash turnover on the account is at least 25,000 per month.

Terms of registration

To issue a debit or credit plastic card VTB, you must meet the requirements for holders, as well as provide the bank with the required package of documents.

Requirements for holders

General requirements for issuing a credit and debit card:

• the presence of a passport of a citizen of the Russian Federation;
• permanent registration in the region where the bank branch is located.

Getting a debit card from VTB is much easier than any other banking product. Any client can do this general requirements to the holders listed above. At the same time, you do not need to provide the bank with any documents to confirm your income.

A client of any category of the population can become a cardholder. This list also includes students and retirees. In addition, parents can apply debit cards for your children by connecting them to your main account. This makes it possible to conveniently control the expenses of children and replenish cards, if necessary.

Becoming the owner of a VTB Gold credit card is somewhat more difficult. For this potential holder must meet the following requirements:

• the presence of official employment;
• age from 21 years (at the time of conclusion of the contract) to 65 years;
• the presence of permanent registration in the region where the branch of VTB Bank is located;
• high income.

Benefits and bonuses

Before considering what golden card Bank VTB 24 provides advantages, it is worth noting that such a banking product is suitable for wealthy clients who have big income. It is necessary to take into account the fact that the price of the annual service Gold is several times higher than the classic card (Visa Classic).

The client receives some benefits, for example, the opportunity to be served free of charge if the cash turnover on the card is at least 25,000 rubles per month. Average income for citizens of the Gold category is 50,000-80,000 thousand rubles, so spending 25,000 rubles by paying with a card will not be difficult.

The advantages also include the ability to issue additional card. You can apply for both yourself and your family members (spouse and children from 7 years old). All of them will be tied to a single account, and funds can be stored in any currency (in addition to rubles, these are dollars and euros).

In addition, the cardholder gets access to any remote service for managing his account via the Internet from VTB systems. With their help, it is very convenient to replenish an account, pay for various services, view information about completed transactions, and also issue plastic reissues when its expiration date has expired. To do this, you just need to leave a request, and then come to the bank branch and pick it up.

However, the main advantage for most VTB cardholders is the cashback system, the essence of which is to accrue interest on purchases and pay for any services.

Additional benefits of the VTB Gold Card:

• high protection of funds on the account;
• the ability to pay for purchases online using 3D-Secure technology;
• the opportunity to choose the most profitable products. You can issue that type gold cards that will suit your interests and needs.

Cash withdrawal conditions

A very topical issue for customers is the issue of the rules for withdrawing funds from VTB credit cards. If everything is extremely simple with debit plastic, its difference from credit lies in simple condition cash withdrawals: free cash withdrawal at VTB system ATMs or cash withdrawal with a commission of 1% in banks of another system - then a credit card is a little more complicated.

Let's look at the nuances of the terms of use, which will allow you to withdraw funds with the least overpayment, especially abroad and in payment terminals of other banks.

Annual maintenance

The cost for the annual maintenance of the VTB card depends on its category. As mentioned above, you can also be serviced for free, the amount of monthly expenses is at least 25,000 rubles. In any other case, the cost is 3000 rubles.

How to get a gold credit card from vtb 24

There are several ways to get Gold plastic from VTB. The first is to order a card by contacting a bank branch with an appropriate application. You must have a passport of a citizen of the Russian Federation and any document confirming your profitability, for example, an application modeled on a bank or a certificate in the form 2-NDFL.

The second option is suitable for those who do not have time to visit the office. financial organization. It provides an opportunity to fill out an online application form on the official website of VTB. It will require your passport details and a document that confirms your income.

The main features of using the Gold card in VTB 24

The main features of using Gold plastic are as follows:

• high cash withdrawal limit;
• low interest rate
• low plastic production fee.

Who can design

• age from 21 to 65 years;
• passport of a citizen of the Russian Federation;
• the presence of a permanent residence permitb in the region there is a branch of VTB.

Usually, if the client meets the requirements, it is not difficult to issue a banking product, however, if the client's credit (financial) history is damaged, some difficulties may arise.

Credit card - convenient way quick loans for small amounts. As a rule, people who urgently need to buy something not very expensive (or pay for services) apply to the bank for credit cards, but there is no money for this yet. To get a credit card, you need to know and take into account some points.

What documents are needed to apply for a credit card

In addition to a passport, individuals may need:

• additional identification document (driver's license, military ID, insurance certificate, international passport);
• copy work book certified by the employer;
• copy employment contract, certified by the employer page by page;
• certificate of income 2-NDFL or in the form of a bank;
• for pensioners: a certificate of the amount of the pension from the body that pays it (if the pensioner receives a pension through the bank to which he applies for a credit card, a certificate is not required).

If you have been working in a new place for the last 6 months, you may be required to provide a certificate in form 2-NDFL from your previous place of work.

Legal entities, in addition to identity documents, must submit the following:

• certificate of state registration as an individual entrepreneur (the original is presented, and a copy is given to the bank);
• license to operate entrepreneurial activity(the original is presented, and a copy is given to the bank);
• for lawyers: lawyer's certificate.

Card holder requirements

• citizenship of the Russian Federation (or the country in which you are going to receive a card);
• residence in the region where the bank is present;
• age from 18 to 65 years;
• work experience at a permanent place of work for at least six months;
• monthly income that allows you to return the money spent to the card;
• positive credit history () or small delays;
• for entrepreneurs: running a business for at least 1 year.

Which bank to apply for a credit card

1. Contact the bank of which you are a client. If the bank has served you for several or many years ( salary card or a long-term loan), there is a high probability of obtaining a credit card on favorable terms. Almost every bank has a loyalty program for long-term customers.
2. If your bank does not suit you, look at the number of ATMs and branch offices. Convenient when they are around
3. Read the terms of the contract carefully. For example, if the bank cooperates with other banks, then at their ATMs you can withdraw money from minimum percentage or even without. And in other ATMs, the interest on withdrawing cash from someone else's card is quite high. Banks can issue credit cards with a low interest rate, but when withdrawing cash from such a card, the interest will be higher.
4. Check out banking affiliate programs. Many banks cooperate with transport companies, travel agencies, shops, service companies and so on. With such credit cards, there are good discounts or cashback when shopping or paying for services. As a result, you can save a lot on servicing your card.

And where is more profitable?

Tinkoff, Renaissance, Alpha. .
If you need maximum service, choose Platinum or VIP cards. They allow you to receive pleasant bonuses when using, as well as individual customer support lines and the solution of any issues.

Where else can you get a credit card?

On racks in shopping malls . Here, just like in a bank, they will issue a card for you. But this suggests that the bank does not have a developed network of ATMs and customer service points. It is also possible that the maintenance of such a card will be more expensive, and if there is an affiliate program, it will be associated with a maximum of several brands.

Some banks, in favorable cooperation with customers, send them credit cards by mail. To issue such a card, you need to sign the agreement that is attached to it and send it to the bank.

Now in any big bank practiced and even with delivery. You fill out a questionnaire (as a rule, passport data is enough), the bank makes a decision and, if everything is fine, the courier brings the card to the specified address.

Issuance of a credit card according to the passport

Conditions:

• age from 18–21 to 60–65 years;
• residence in the region where the bank is present.

Depending on the individual policy of each bank, additional terms. If you are already a client of a bank, you must first study its conditions, since banks, as a rule, create profitable terms.

The average credit card limit is 100,000–200,000 ₽, but if you are a long-term and reliable bank customer, the limit can be increased to several hundred thousand.

Moreover, the bank whose client you are knows your phone number, and therefore will occasionally call or send SMS with great deals, where there may be good conditions for a credit card. To visit your bank, you only need a passport or a couple of simple documents, because the rest of the information about you is already known to him.

It is quite possible that the bank that lends to you will not have the most favorable conditions even for its customers. And there are many banks that will issue a credit card only with a passport.

If you can take a second document with you ( driver license, work book, international passport, military ID, etc.), you will be issued a card in most banks.

The fewer documents the bank requires, the higher the interest on the loan and commissions are possible.

If the bank does not require extra information, this does not mean that you will not have to indicate this data in the application. If you provide incorrect information, you will be denied.

If you are not satisfied with the conditions for issuing a card without certificates, there is only one way out - to collect required documents. It is possible that after spending a little time you will receive a credit card on good terms.

Why does the bank refuse to issue a credit card

The bank may not issue you a card if:

• you are not registered in this region;
• you provide false information, for example, hiding from the bank the fact of having a credit card from another bank;
• you have a bad credit history ();
• less than six months of work experience at the last place of work;
• You are either under 18 or over 70.

Features of repaying a loan on a card

To avoid getting into trouble with credit card payments, remember the following points:

• it is impossible to transfer money from a credit card to another account;
• minimum monthly payment paid with the interest specified in the contract. For example, you have a credit card for 100,000 rubles with an interest rate of 15%. Every month you will pay, say, 5000 rubles plus 15% of this amount (5750). As a result, the full payment on the loan will be 115,000 rubles, as it should be;
• in case of late repayment, you are charged penalties, the amount of which is prescribed in the contract;
• banks set the use of the loan (usually 50-60 days, and sometimes 120). During this time, you use the loan for free. At the end of the term, interest will begin to accrue;
• not to spoil credit history, repay the loan on the card no later than the date specified in the contract;

Today, credit cards are in great demand and are present in the wallets of many Russian citizens who can no longer imagine their life without a credit card. Certainly this loan product compared to other types bank lending is quite convenient and profitable.

And holders of credit plastic with a grace period financial institutions and they do promise that in case of a timely return of funds to the card account, they will not overpay anything. In addition, lenders, in order to increase the client base and own profit they do not tire of advertising other benefits from using credit cards, the list of which is very significant.

But is everything so perfect in reality and is there a catch in the promises of banking organizations?

What should a credit card holder know?

First of all, it should be said that all banks are commercial structures, and their main task is to obtain maximum profit from their activities and not a single creditor will work for free, moreover, this is prohibited by Russian law.

In this regard, every time a financial institution offers potential borrower to take money from him for temporary use absolutely free of charge without any, then there is definitely a catch in this, because, as mentioned earlier, there are simply no free options for borrowing and in any case you will have to pay for using credit money.

Trick one: Grace period

According to the terms loan agreement, thanks to the grace period, within the period set by the issuing bank, the borrower can use the funds of the financial institution, and if they are returned in a timely manner, do not overpay the lender a penny.

Nevertheless, not everything in this case is so simple, the main trap of such a bank benefit is hidden in the correct calculation of the “free” period of borrowing. The duration of this period is specified in the loan agreement and often ranges from 30-60 days. The same document contains information that, for example, the settlement period is from the first to the twenty-fifth day of the next month.

If the borrower, having a credit card with an interest-free period equal to 55 days, pays for any purchase in a store on the twentieth day, for example, you should not assume that the borrower has 55 days for an interest-free return of credit funds.

Most likely, the grace period provided to the holder of credit plastic ends on the 25th next month i.e. 35 days later. The borrower will be able to take full advantage of this grace period if he uses the credit card on the first day.

Just like this moment credit structures deliberately and do not explain to applicants who, having incorrectly calculated the grace period, are forced to pay not only interest for using the bank's money, but also those assigned for delays that the borrower did not even suspect.

Trick two: reissue credit plastic without notifying the borrower

Like any other bank card, a credit card has its own validity period, after which the credit plastic will be reissued. At the same time, it often happens that the credit card holder is in no hurry to apply to the creditor with a request to reissue the credit card or even, on the contrary, having fully paid off all debts, believes that relations with banking organization stopped.

However, it turns out that the financial institution has already issued a new credit plastic without informing its client about the action. The credit card holder himself may not suspect that new card already released and she is waiting for him at the bank office.

For the lender, such situations are beneficial, since by the time the credit card falls into the hands of the borrower, a rather large debt can already form on his account, which is formed at the expense of commissions (service fee, reissue, SMS notification, and so on) and accumulated penalties.

Trick three: unsuccessful attempts to close a credit card

Quite often, credit plastic holders mistakenly believe that having fully paid off their debts and stopped using a credit card, they terminate their relationship with the issuing bank and no more debt can arise.

However, an activated credit card, even if the borrower does not use it, can “drive” him into debt, because the repeatedly mentioned commissions will be charged without the knowledge of the cardholder.

That is why borrowers should close their credit card correctly, that is, they must contact a financial institution and write an appropriate application.

In addition, you need to ask the credit manager for an extract, which will indicate that there are no debts for the borrower, and the lender has no claims. True, the above list of banking traps is far from exhaustive, and whether the borrower falls into them or not will depend only on him.

You should also be vigilant when studying the loan agreement, it is necessary to clarify the presence of various commissions and the scheme for calculating the grace period. And, of course, already being a holder of credit plastic, control the balance on the card account.

MDM Bank offers a wide range of credit cards that are in demand among various categories of the population. 6 options available to customers MDM Bank cards according to the tariff plan "Private".

MDM credit card terms

Depending on the class of the payment system of the card, the following conditions are offered:

• Visa Electron, MasterCard Unembossed– lending limit of 50 thousand rubles, 18% per annum, maintenance – 150 rubles per year
• Visa Classic, MasterCard Standard - credit limit 200 thousand rubles, 18% per annum, maintenance - 600 rubles per year
• Visa Gold, MasterCard Gold - credit limit 500 thousand rubles, 16% per annum, maintenance - 2 thousand rubles per year
• Visa Platinum - credit limit 1.5 million rubles, 16% per annum, service - 6 thousand rubles a year
• Visa Infinite - credit limit 2 million rubles, 16% per annum, maintenance - 10 thousand rubles per year

The last two cards of MDM Bank provide additional service- accrual of interest on the balance own funds in the amount of 3% per annum.

All cards are issued for a period of 5 years. The grace period for crediting cards under all offers is 52 days. The commission for cash withdrawal is 1 - 2.5% of the amount.

Required documents for issuing an MDM card

To consider the application, you will need to provide two documents confirming your identity (one of them is required - a passport), a certified copy of the work book, a certificate of income for 3 last months(2-NDFL or in the form of a bank with an employer visa).

Requirements for MDM Bank cardholders

Credit cards available to persons aged 23 to 60 (65 for women). Permanent or temporary registration in the region where the bank branch is present is required. With regard to temporary registration, there may be differences in lending conditions and requirements for borrowers.

Discounts and bonuses

MDM cardholders have access to special offers:

• "Shopping without borders" - discounts when paying by credit card
• "Season of Gifts" - receiving gifts with constant payments
• "Purchases from Eqvilibria.ru" - discounts up to 20% on the portal Eqvilibria.ru

Evaluation of the attractiveness of MDM Bank credit cards

MDM Bank credit cards are represented by a fairly wide range of payment system classes (read more about the differences between Visa and MasterCard payment systems). The disadvantages include the presence of bonuses (interest on the balance of funds) only in the case of using high-class cards.

MDM Bank cards are practical for everyday use, but if you want to receive additional bonuses and discounts, as well as take advantage of loyalty programs, you should look for credit card offers in other banks.

A good credit card with a significant limit, a large number of bonuses and options, as well as inexpensive service is quite difficult to get. In this article, we will tell you what you need to be a client so that banks are ready to offer you the most favorable conditions.

As a rule, a citizen of the country aged 21 to 75 can receive a credit card. Credit card holders must either be registered in the region where the bank branch is located, or at least have temporary registration there. In addition, the prospective credit card holder must have seniority from one year, and at the last place of work he must be registered for at least 4 months (better if more than 6 months).

Quite often, the bank requires the client to provide a certificate of income. You will also need to draw up an application, present a passport and other document that will prove your identity. In addition, sometimes a copy of the work book is needed. The client must not have a negative credit history.

More stringent requirements

Some financial institutions are strict with their customers, limiting age requirements to strict limits and requiring a more extensive list of documents. For example, there may be the following requirements:

• Age 23-55 years;
• Wage from 10-20 thousand rubles. depending on the region;
• Documents on education, availability of assets, etc.;
• Having a home phone.

Minimum Requirements

Some banks issue credit cards to customers from 14 to 65 years old with a minimum work experience of at least 3 months. True, when choosing such programs, clients should be aware that they are losing heavily on the terms of the loan, i.e. on interest rate. That is why it is better to contact a bank that has higher requirements for solvency, but also provides more favorable conditions.