Home credit bank cards. Credit card home bank loan fill out an online application terms of use and interest

Applying for a Home Credit card online is one of the fastest and most convenient options obtaining a modern banking product debit or credit. The Home Credit card is ordered online on the official website of the bank. In order to apply for it, you need to fill out a small simple application form.

An unnamed online credit card from Home Credit can be issued at the bank's office based on a previously submitted client application. On the site you can place and order debit card Home Credit. To apply and issue a card, you must enter the site, the page "Online application", carefully read the list of offered plastic cards and the terms of their use.

After selection, an online application for a Home Credit card is submitted, in order to issue it you need:

• follow the link "Online application";
• select the desired item, as in the photo below;

• you can order a Home Credit card by filling in all the fields, remembering to tick the box of consent to the processing of personal data;
• To apply, click on the "Submit" button.

An example of how to issue a debit plastic:

An example of how to apply for a loan:

You will receive an email notification that you have applied for a Home Bank credit card. Follow the link in the letter, enter your passport details and number mobile phone. Receive an SMS message with a confirmation code for the transaction. At the end, select the type: Visa or MasterCard.

To issue plastic, you need to leave an application, and the decision is made within 15 minutes after it appears on the site.

The bank manager will call you back at the phone number indicated in the application if you have any questions. If a positive decision is made, the manager will call you back and agree on a convenient time and place to receive a Home Credit card.

Where to apply for a Home Credit Bank card and get

You can apply for and take out a loan on a Home Credit card only at a branch of the Bank.

How to get or? In order to issue it, come to the nearest office of the bank at the time agreed with the manager, having Required documents:

1. The passport.
2. The second document, on the basis of which the identity of the borrower is confirmed. It can be driver license, SNILS, military ID or foreign passport.

The conditions for obtaining a loan on a Home Bank card are quite loyal:

• issued from 18 years to 65;
• it is obligatory that the registration coincides with the region of the branch to which you are applying;
• to apply for plastic, you must have a permanent place of work for at least 3 months and the ability to provide a certificate in the form 2-NDFL, a copy work book signed by the employer;
• the ability to provide two contact phone numbers (suitable for work and home).

Before applying for a Home Credit Bank card, we recommend that you have the documents listed above with you and be sure to familiarize yourself with the terms of the loan.

Unnamed if approved instant card issued on the spot, at the bank branch. How many make a name card? Personalized plastic is made - 15 days from the date of application. A ready-made personalized Home Credit card comes to your home by mail.

The amount of the loan depends on the financial capabilities of the client, the previous credit history. The maximum is 300 thousand rubles.

At what tariffs to open a card

Of the debit cards, they most often draw up a card, she came to the place of plastic, which they stopped issuing in April 2018. There is currently no possibility to order a Cosmos card.

• in cafes and restaurants;
• at gas stations;
• in the shops.

Credit cards also have a lot of advantages:

• free issue;
• advanced bonus program;
• flexible system of debt repayment;
• contactless payment, etc.

Clients consider the revolving principle of credit cards to be the main advantage. The revolving card received by mail has a renewable credit limit. That is, by purchasing goods worth less than the issued loan and closing it on time, you can continue to make purchases.

Important Operations

What should I do if I want to order a card, but I don’t know how to use it so as not to get into the bondage of the bank? Before applying, read the contract of the borrower of funds or the owner debit card:

• how to renew a Home Credit card;
• how to change home credit card.

Many transactions are carried out by the bank free of charge or with minimum commission. Reissue is made at the end of the validity period (depending on the card), restore the lost one for a small fee (200 rubles).

To increase the credit on the card, you must contact the bank and provide documents on the improvement of financial situation. The operation can be offered by the bank itself if the borrower repays loans on time and constantly uses borrowed funds.

How to refuse a credit card? To do this, you need to contact the nearest branch of the bank HKB. The manager will check the status of the account, if there is no debt, he will close the plastic.

Making a Home Credit card is a short procedure as a result of which the user receives a convenient and profitable cashless payment instrument for goods and services.

Home Credit Bank offers favorable conditions for credit cards. To understand how much profitable proposition for users, we will analyze in more detail what a Home Credit credit card is and the conditions for obtaining it.

What is Home Credit

A Home Credit credit card is a credit card with a revolving credit limit, a grace period and a low lending rate.

There are five types of card programs:

• with the benefit of Platinum;
• with the benefit of Gold;
• HomeCredit installments;
• "Fair";
• "HomeCredit - Eldorado".

Before ordering a Home Credit credit card, you need to familiarize yourself with the specific conditions and choose the most suitable one for yourself.

Grace period

An interest-free period is provided for up to 51 days for non-cash purchases on all cards. For example, if you make a payment on the 15th day of the billing period, then you can use the interest-free limit only 36 calendar days. For cash withdrawals, interest is charged from the first day.

Terms of use and tariffs in 2018

• The credit limit is not more than 300 thousand rubles;
• %% rate - 29.8% per annum;
• % for cash withdrawals - 49.9%;
• % when withdrawing cash 4.9% (minimum 399 rubles);
• Monthly payment - 5-7% of the debt amount (minimum 1,000 rubles).

But each plastic has its own characteristics and additional terms use:

1. Card with the benefit of Gold:
   1. Cashback up to 10%;
   2. Maintenance - 990 rubles per year, starting from the second year.
2. Card with benefits of Platinum:
   1. Cashback up to 10%;
   2. Annual service 4 990 rubles.
3. "Fair":
   1. Cashback 5% of the amount of purchases in the Yarmarka shopping center and up to 10% in partner stores;
   2. Annual maintenance - 490 rubles.
4. "HomeCredit - Eldorado":
   1. Interest rate - 33.9% per annum;
   2. Cash withdrawal is not possible;
   3. Points accrual: 5.5% for purchases in Eldorado, 18% for promotional goods in Eldorado and 1.5% for other purchases.
5. The HomeCredit installment card is distinguished by the absence of a credit rate and is used as an installment option for a purchase:
   1. The term is from 3 months when making purchases in regular stores and up to 12 months with bank partners (Pandora, Adidas, Kari, Ostrovok, Askona, Snow Queen, Aeroflot, and so on).
   2. Cash withdrawal is not possible;
   3. The amount spent per month is paid in equal installments throughout the entire period.
   4. Free release and maintenance.

Late payment turns the installment card into a credit card with a rate of 29.8% per annum until the debt is repaid. To control expenses, movements Money, as well as notifications of mandatory payments, the bank connects SMS mailing.

Benefits and disadvantages

To make a choice in favor of Home Credit, it is worth comparing the pros and cons of plastics.

Key benefits for the client:

• Issuance of a card at the expense of the bank;
• The proposed installment plan is up to one year;
• Possibility of early repayment of the debt;
• In order to apply for a Home Credit card, you need only one document - a passport;
• Free SMS services;
• Favorable online shopping;
• Accrual of points and cashback;
• A large number of partner companies providing installment plans.

There are also some disadvantages:

• Increased interest rate in case of delay in payment;
• %% are charged on the entire amount of debt;
• Unprofitable cash withdrawal, as well as the lack of this option for some plastics;
• If the client is the owner of a credit card, for example, with the benefit of Gold, then he will not be issued an installment card, which is impossible due to an increase in the debt load;
• The banking institution has the full right not to issue any banking product without giving an explanation of the reason for the refusal.

Design Requirements

To apply for a Home Credit credit card, you must meet the following requirements:

• Possession of a Russian passport;
• Age from 21 to 65 years (at the time of application);
• Permanent residence on the territory of the Russian Federation;
• Availability permanent income(salary, dividends, pension);
• Non-working pensioners must provide a pension certificate.

How to issue a card

• Order a Home Credit card online at homecredit.ru;
• By calling the Call Center +74957858222;
• At a bank branch.

When applying online, you must go to the bank's website and click "Home Credit application for a credit card", fill in all the fields and submit for consideration. In a few minutes, the applicant will be contacted at the specified phone number to clarify information and identify the person.

When submitting an application, it is important to provide reliable data. If you provide the bank with incorrect information, then the issuance of a credit card may be refused without explanation.

The application for plastic is considered no more than three days. After consideration, the applicant will receive a notification with a decision. If the card is approved, then you must contact the bank branch with the original documents for receipt.

How to use credit cards

The bank offers to issue a Home Credit credit card or an installment card, on which interest is not charged. For example, such a card paid for a washing machine in the amount of 48 thousand rubles in a store household appliances and electronics. This store is not included in the list of partners of this financial organization, so the installment will be for three months. Therefore, the client needs to make three monthly payments of 16 thousand rubles to close the full debt.

The rest of the credit cards can be used to pay for any goods or services, make payments on the Internet, and also withdraw cash. When withdrawing cash, the interest rate increases, Grace period absent. Therefore, it is beneficial to use credit cards in a non-cash way: the lending rate will be significantly lower, a grace period is applied, and cashback is charged for the amount of all purchases on the card.

It is important to make monthly payments on time.

If this is not done in a timely manner, the bank charges a fine, thereby increasing the amount of debt. If the overdue debt is not closed on time, then the client's insolvency data is sent to the credit bureaus. In the future, when applying for any other loan product the applicant may be denied.

Replenishment of cards

Ways to replenish credit cards:

• Through the cash desk of the bank;
• Using ATMs / self-service terminals;
• If there is a debit card of the same bank, then you can instantly transfer between your accounts;
• By interbank transfer, indicating the correct details.

All debt can be repaid at any time using plastic. To do this, you need to specify the amount in personal account, on hotline or in a department. Then, deposit the specified amount into the account using one of the specified methods. Debt repayment occurs automatically.

Credit cards are perfect for those who like to shop, and desires and financial opportunities do not always match. It is quick and easy to issue a credit card with the most favorable conditions: just order a Home Credit card via the Internet and enjoy profitable shopping.

Home Credit Bank, which ate a (hamster) dog on lending to individuals, introduced its own installment card in August 2017 (in November 2018 it was called “Freedom”). Up to this point, two similar cards fought for the palm: the one that appeared first, and the one that came out after it. Follow the links below for detailed reviews.

Even at the stage of preparation for the launch of their product, a HKB representative said that under the new card, the partner network will be wider than that of competitors, and the installment plan will be longer. These two key parameters are just of the utmost importance when choosing an installment card, which will allow you to incline the choice of the client in favor of the culprit of our review, and make room for other players in the installment goods market. Let's consider what surprises HKB has prepared for us, will its product be a “new word” in installments, or will it follow the already beaten path, looking back at the experience of competitors? We will also analyze the reviews of customers who issued it.

Installment card Svoboda Home Credit Bank

Credit limit max.:

Rate min.:

Grace period:

Annual maintenance:

An interest-free installment plan is available for 3 months in any store in the world (!) And up to 12 months in partner stores. The map is completely free Map overview

Lending terms

Maximum credit limit

Interest rate

from 0% to 29.9%

Grace period

up to 365 days

Minimum payment

installment amount / number of months or 7% (min. 1000 rubles)

Grace period for cash withdrawal

Delivery options: post / courier

Card service

Issue fee

Is free

Annual maintenance

SMS - informing

Validity

Withdrawing cash from an ATM at the expense of your own / someone else's loan

not provided / not provided

Use of own funds

Maybe

Owner Requirements

from 18 to 64 years old

The documents

by passport

Loyalty program

Interest-free installment

Interest on the client's balance

Cashback (refund)

Free receipt and maintenance;
Installment 2 months EVERYWHERE;
Long installment period up to 12 months (interest-free loan period), which is valid independently for each purchase;
No hidden and additional services;
Technology contactless payment(for name card);
Can function as a credit card without authorization from the bank

You cannot withdraw cash;
The card is issued with a small credit limit;
Paid SMS-informing since April 26, 2018.

More about tariffs and conditions

Advantages and disadvantages

It should be noted that HKB did not “be smart” with the name, but called their product simply: “installment card” of Home Credit Bank, and in November 2018 the card still got its name: now it is the Freedom card. Let's go through its main advantages:

1. Freedom Card is completely free with no strings attached. There are no additional services such as insurance, but sms informing free(from April 26 - 99 rubles per month, but you can refuse this service). That is, you receive a card, and it can gather dust on the shelf, waiting in the wings.

2. Interest-free installments for any purchases IN ANY STORE FOR A 3-MONTH PERIOD(from April 26 for newly issued cards - 2 months) and in outlets affiliate network up to 12 months (an impressive list of partners - up to 40 thousand points).

3. International payment card Visa systems, means you can pay by installments in ANY STORE IN THE WORLD.

4. Renewable credit limit (from 10 thousand to 300 thousand rubles). The redeemed amount immediately becomes available for purchases.

5. Flexible repayment system. You can pay by installments every month with equivalent payments, then your overpayment for the purchase will be 0 rubles, or you can pay with minimum payments (7%, min. 1000 rubles), then you take a loan from the bank at 29.9% per annum. In the latter case, you do not pay a penalty and do not spoil your credit history, since you do not violate the terms of the bank for payment, you simply violate the terms of the installment plan.

6. A passport is enough for registration.

7. At any time, full or partial early repayment is possible without any sanctions.

There are also disadvantages:

1. It is problematic to get a card. The bank does not issue a card to holders of their own credit cards, asking them to close. And if it gives out, then, as a rule, with a minimum credit limit. The reason may not be in a bad credit history, but in the existing debt load (by the way, any credit card, even if not used, automatically increases your debt load on the amount of the credit limit, so it is not recommended to “collect” credit cards without special need).

2. You cannot withdraw cash from cash desks and ATMs using an installment card. It is intended for cashless payment at retail outlets.

3. The bank provides little information to understand how the card works. The web page with the product description is not very informative (perhaps the situation will be improved in the future). To understand the mechanism of the card functioning, it is necessary to study tariffs, general terms of the contract, etc., study forums and ask questions to the support service (phone, website, social networks). But, in fact, reviews exist for this, in order to satisfy the informational hunger of the applicant and obtain extended information. Let's say right away that the support is fast and adequate, and in the process of working on the review, the author always received answers to his questions.

How does the Liberty Home Credit Bank installment credit card work?

The principle of operation of the installment plan is described in the Installment Program of HCF Bank LLC (hereinafter referred to as the Program). If you have experience using credit cards, then it will be easy for you to understand the mechanism of the installment card (this is, in fact, an ordinary credit card with a long grace period).

As soon as the cardholder makes the first purchase, the installment period immediately begins, which will last for 3 or more (when buying from partners) grace periods (hereinafter - LP). Installments are given independently for each purchase (within a specific RP)!

Upon completion of the first RP, the bank within 3 (three) calendar days notifies the client of the amount of the installment payment. The payment is formed as a quotient of the total purchase amount divided by the number of months of the installment period. So, if the goods cost 30 thousand rubles, then every month you will have to pay 10 thousand rubles. If there are several purchases and they are made in different billing periods, then the bank calculates the payment for each purchase, and then sums up all the payments that must be paid at the end of each PP.

Helpful advice: make a purchase at the very beginning of the RP. A purchase on the first day of the RP will give you a delay until the first payment - up to 51 days (full grace period), but if you buy a product / service on the last day of the RP, then you will have to make the calculated payment within 20 days of the RP.

In reality, at the end of each RP, the bank will send you an SMS message with TWO payments. The first payment is the amount required to pay for the proposed installment, that is, the payment of this amount indicates that you accept these conditions and “enter” the installment plan.

The second payment is the minimum mandatory payment and amounts to 7% of the value of the entire debt (min. 1000 rubles) - this amount must be paid if you do NOT accept the above conditions of the bank. In this case, the bank charges on the RESIDUAL DEBT interest rate according to the tariff (29.9% per annum), and at the same time you are OBLIGED to pay the minimum mandatory payment. The absence of such a payment or a smaller amount will mean a delay with all the ensuing consequences (forfeit and a corresponding entry in the credit history).

Amount Information minimum payment taken from the "General Terms and Conditions for the Credit Card (General Terms and Conditions of the Agreement)".

Interest accrual starts from the RP for which no installment payment has been made. For example, you made two equal payments, and you didn’t have enough funds for the third one, and you make the minimum payment. This means that the bank will begin to accrue interest on the balance of the debt, which is one third of the purchase amount.

Note! In the course of communication with bank employees in the field you may not be correctly informed (or you will misunderstand) about the amount of the monthly payment. In the official description of the program, it is also not entirely clear about it: the installment payment includes the minimum payment and part of the loans repaid in installments.

A phrase from general conditions contracts:

And still not very clear how much to pay? Either one minimum payment of 7%, or installment payment + minimum. Focus on the above information, which was obtained empirically, and, of course, on bank notifications. Having paid a larger amount, you will make a partial early repayment (which we will talk about a little later), there is nothing wrong with that, but why pay more than required?

Terms and rates

The installment credit card of Home Credit Bank is "sharpened" for only one function - the purchase of goods and services by installments or on credit, therefore, it does not provide for any additional services. More details about the tariffs can be found on the bank's website (tariffs of HCF Bank LLC for banking service individual clients, sheets 9, 10). There is no insurance (that is, you can’t connect it with all your desire), there is no cashback, there is no connection to the bonus program Benefit (it is considered one of the best programs loyalty in the market, and bank credit cards are called: a card with Benefits). The possibility of withdrawing funds from ATMs and cash desks is completely blocked. Notification by e-mail and by means of SMS messages (SMS package) is free of charge.

The only thing that is paid is the reissue at the initiative of the client, for which the bank will charge 200 rubles (after the expiration date, the bank will reissue the card for free).

What else might you have to pay for? As previously mentioned, if the client does not want to accept the terms of the Program, then he will have to pay interest on the loan in the amount of 29.9% per annum. The Bank also stipulates a number of transactions for which installment plans are not available. Actually, these are operations not related to payment for goods / services: transfers, replenishment of electronic wallets, purchases of traveller's checks and lottery tickets, bonds, precious. metals, operations in casinos and other gambling establishments.

Payment for such a dubious transaction will not terminate the installment program - the debt for such transactions will be paid off in the first place.

Here, we will additionally say about a penalty of 0.055% per day (no more than 20% per annum) of the amount of overdue debt in case of failure to comply with the requirements for delaying the minimum payment.

The maximum duration of the installment period is 12 months - in the stores of the bank's partners. Their list is only promised to be made public so far (which we will definitely tell in the review), but judging by the number of existing partners (the bank already sells goods by installments from its website), there will be at least 40,000 of them.

How to replenish? Early repayment and useful tips

In "information for customers on the conditions for the provision, use and return of consumer credit by card” there are 9 ways to repay a loan, 4 of them are free. We will not stop at all, we send those wishing to familiarize themselves with this topic to the review. And here we will talk about free ways to replenish.

Naturally, these are cash desks and bank terminals (KKB has an extensive structure of branches in Russian cities). The first two times (as part of the ongoing promotion) you can replenish your account free of charge from cards of other banks on the HCB website or in the My Credit online service. There is an exotic way to top up with cards from another bank through the telephone menu (keep in mind that calls outside of Moscow will be charged). This will be done for free, but you will have to enter card details in the background, guided by the prompts of the employee. How safe it is to show card details is another question. According to the above methods, the money will be credited to the bank account on the next business day.

There are other ways of free replenishment, for example, the MasterCard loan payment service (https://loanrepayment.mastercard.ru/#/), where you can make a transfer to your card details (according to the account number, not the card) in an amount up to 15 thousand .rubles (for 1 time) without commission from any MasterCard debit card (but only as part of the ongoing promotion).

*The card is free for the first year (when issued before 12/07/2017), from the 2nd year it is shareware

Card service

Issue fee

Is free

Annual maintenance

1st year of service: 0 rub. (if issued before 07.12.2017); from the 2nd year: no fee is charged with a daily balance of 10,000 rubles. / the amount of purchases from 5,000 rubles. per month, otherwise 99 rubles. per month

Validity

Card type (payment system and status)

Account currency

Conversion

Technological features

3D Secure technology;
chip;
PayWave contactless payment technology

SMS informing

59 rub. monthly (free SMS-messages are received about the movement of the account)

Delivery

no, it can be received at the bank office, it is possible to receive an instant non-personalized card at the time of making a personalized one

Additional services

Release additional card- 200 rub.

Additional Information

Commission for the second and subsequent reissues of the card at the initiative of the client - 200 rubles. (first reissue without commission(!))

Cash withdrawal

500 thousand rubles in a day

Withdrawing cash from ATMs / cash desks of the bank

0 rub. / 0 rub.

Cash withdrawal from ATMs/cashiers of other banks

100 rub. / 100 rub.

Additional Information

0 rub. for the first 5 transactions per month with withdrawals at other people's ATMs / cash desks

Transfer in Internet Bank

To an account in another bank

To the card of another bank (by card number) - pushing

1% (min. 100 rubles)

Replenishment in the Internet bank

From a card of another bank (Card2Card) - pulling

Is free

Interest rate on account balance

7% per annum on the balance of 10,000-500,000 rubles,
3% per annum for an amount exceeding 500,000 rubles.

Loyalty programs

Program "Benefit"; Bonuses and Special offers from payment system Visa

Cashback (refund)

1% of the amount of any purchase (max. 2000 per month); 3% of the amount in certain categories: gas stations, travel, cafes and restaurants; up to 10% for online shopping in partner stores

Holder Requirements

The documents

by passport

Free release and 1st year of maintenance;
The card is shareware;
5 free withdrawals per month at ATMs and cash desks of any bank with no limit on the withdrawn amount;
High percent to the account balance;
Profitable loyalty program;
Cheap interbank transfers in IB;
Accrual of cashback for payment of fines, taxes, utility bills etc. from the Internet bank;
Shareware SMS-informing;
The first free reissue at the initiative of the client;
The card is a free donor (the ability to withdraw funds with other cards from the Internet banks of other banks).

When crediting a large amount, the money must be deposited on the account, otherwise the bank will withhold a protective commission

More

While you are paying for the purchases made for several months, you can hold the money on Cosmos at 7.5% per annum, and when the payment time comes, just make a free transfer from one card to another in the Internet bank and the account will be replenished (judging by the reviews, you will see the money on account immediately, and the available balance will change the next morning).

A few words about early repayment.

You can repay the entire amount ahead of schedule. Full early repayment will take place automatically when the entire purchase amount is credited to the account. In case of partial early repayment, do not forget about the obligation to pay minimum payment, so it would be better to cancel the card ahead of schedule during the billing period.

Late or incomplete payment (including the minimum) automatically terminates the installment program. In order for it to start acting again, it is necessary to pay off all the debt to zero.

holder requirements. How to get an installment card?

Check whether you meet the requirements of the bank for the applicant for the card considered in the review: it must be a citizen of the Russian Federation with permanent registration and actual residence in the region where the card is provided with a permanent source of income (at least 3 months of experience at the current place of work). Age limits range from 18 to 64 years.

Of the documents, one passport is enough.

Unlike its competitors, this card does not have delivery. You will have to visit a bank branch, where you will be offered to receive unnamed card(according to the reviews, it does not support contactless payment technology). You can refuse and wait 1-2 weeks for a registered one with the support of this technology.

Do not be upset because of the initial credit limit (many are given no more than 10 thousand). To increase it, it is enough to constantly make a turnover on the card (bought, paid, and so on) and make payments in a timely manner. Turnover is not a problem - buy groceries and essential goods with this plastic.

Installment card Freedom Home Credit. Customer Reviews

Home Credit Bank, having made installments up to 3 months on its card available in any store, immediately deprived itself of a whole layer of problems and technical nuances that Halva and Conscience cardholders had when paying in partner stores (according to at least, it was with them at first). Everything will work in all stores where they accept cards, as well as with a regular credit card - everything is fine with this in customer reviews.

True, the HKB is not going to distribute it to the right and to the left. As a rule, the applicant is denied because of the high. So if you already have credit cards “behind” that were opened just in case, then it makes sense to close them. It is somewhat strange that in order to receive this card, the bank recommends its own customers to refuse a valid credit card.

It makes sense to close credit cards if the conditions for them are worse than for the HKB installment card. But it must be borne in mind that there is a possibility of failure. In addition, most reviews report a minimum credit limit(as a rule, this is the lower bar of 10 thousand rubles), which is not enough for any serious purchase (although it is quite enough for an average phone, maybe some have had too much appetite, and give them only an iPhone).

In any case, this problem is fixable, since it is possible to raise the credit limit - see about this in the previous section of the review.

On the forums, a lot of questions arise about the size of the monthly payment - the bank could pay more attention to this on the official page of the card. The problem is that even in the documents (at least 3 documents need to be analyzed) it is not clearly indicated how to pay. Now, after consultations with representatives of the bank, everything fell into place, as we reported above - the main thing is not to miss the next notification, where you will calculate the required amount, and pay it on time using one of the free methods.

Opinion of the editors of "Finance for People"

An installment card from Home Credit Bank is much more interesting than a regular average credit card, if only because it is completely free, and in general has an interest-free period of up to 110 days (3 months of installment plan + 20 days of the last payment period to pay off the final payment), and when it comes to about partner stores, we can talk about free credit up to 12 months (although this is rather an exception to the rule - look at the partners of Halva and Conscience, how many offers can you find there with such a long installment plan?).

Only those who outdid her relatively new map(120 days of fair grace period!). You can find other credit cards with a long grace period at. These are worthy specimens, but you will have to pay for their annual maintenance, and carefully study the mechanism of their work so as not to fall for a penalty.

Note that there are many fans of using other banking benefits - cashback and bonus programs which are not available on our card. The same “Benefit” program allows you to return up to 5,000 rubles per month from the amount of purchases made on a HCB bank credit card (in fact, even more, if you take into account additional promotional offers from partners).

As for the closest competitors (Halva and Conscience), the culprit of the review has the most important trump card - installments of 3 (2 - from April 26) EVERYWHERE (isn't this the very new word?), Without problems with partnership. Although competitors do not sleep, and are actively developing their partner base, so that soon most of the stores may be in it. Most, but not all, so this trump card will play into the hands of Home Credit Bank if it does well with its new product, which we hope it does. The consumer is always in the black when banks compete with each other and develop their products, that's what they have lived up to - just take it and use it, and you don't have to pay anything for it, isn't it a fairy tale?

Home Credit Bank credit card ( Home Credit) - a common and convenient means of payment for the purchase of various goods in stores or via the Internet, as well as when ordering services. Plastic can be issued for regular payments, for one-time large purchases, or just in case. Each of the variants of the Home Credit bank card has its own conditions:

• grace period of 51 days;
• limit on receiving funds up to 300 thousand;
• rate from 25 to 27 percent;
• filling out an online application on the site;
• cashback from purchases.

The Home Credit card is issued on the bank's website online through a special form or by direct contact with the branch financial institution in Moscow.

Online application for credit card Home Credit Bank in Moscow

A special service (calculator) has been developed for users on the Vyberu.ru website. To apply for a card at Home Credit Bank, you must set the parameters and select one of the offered programs. Then follow the link to the bank's website and fill out the form. As a rule, for the approval of a credit card, Home Credit Bank does not require any documents, except for a passport.

When filling out the questionnaire on the site, it is necessary to correctly enter all the information, because incorrectly entered data may later affect the bank's decision to issue a card. If the financial institution does not have any questions for the client, then in this case it is possible to issue a card online with instant decision. payment instrument activated on the day of receipt.

Home Credit Bank is one of the market leaders in the field of issuing credit cards and providing services for their maintenance. The bank is currently working hard to develop functionality its credit system.

The main emphasis is placed on the fact that any solvent citizen could receive a card in the shortest possible time. favorable conditions and without reference.

Features of bank cards

Home credit bank provides a choice of two types of cards: an express card "Quick Buy" and a credit card Home Credit with Cash Back.

Size annual interest for a loan will vary depending on which documents the client provided during the execution of the Home Credit card.

Thus, users of credit cash cards Back, who provided a full package of documents, will pay only 29.9% per annum.

To apply for a credit card, you must submit the following documents:

• Passport of a citizen of the Russian Federation.

This mandatory conditions. Additionally, you can choose from:

1. Employment history.
2. Certificate of income in the form of 2-NDFL.
3. Passport with unexpired validity.

If you bring only one of the optional documents, then the rate will increase to 34%, and if you provide only the required papers, it can rise to 45%.

You will find out the exact amount of interest on the loan only after consulting with the manager.

How to apply and get a loan?

In order to get a Home Credit credit card, you must complete the following steps:

1. Go to the Home Credit Bank website and fill out the application form.
2. When filling out, you must specify reliable information - do not exaggerate your capabilities.
3. Check the correctness of the entered data by paying attention to Special attention passport data and address of residence according to the registration.
4. Next, enter information about your income.
5. Do not forget to write down your contact details: phone number and email.

Within a short time (1-2 days), the bank will consider your application, after which the manager will contact you by phone or email and inform you of the decision. However, this message is not final.

If the bank employees approve the questionnaire, you will have to personally appear at the branch. Be sure to bring all the necessary documents with you. Next, a personal conversation will be held with the bank operator and the documents will be checked. Only after that you will know when and under what conditions the bank will be ready to issue you a card.

Home Credit credit card has the following terms of receipt:

• You must be a citizen of the Russian Federation.
• Your age must not be less than 23 years old.
• You must be registered in the city where there are bank branches.
• You must have an additional phone number (work, home).
• You must be a solvent citizen.
• If you are under the age of 27, you must have a military ID on hand.

Advantages of Home Credit cards

Bank credit card users will receive a number of benefits, among which are the following:

• You will be able to use the credit card immediately after signing the contract.
• There is no urgent need to accumulate funds for a rainy day.
• You can use your credit card anywhere in the world.
• There is an opportunity to receive regular account statements, which will help you control your expenses.

Cons of Home Credit cards

Unfortunately, it is impossible to do without negative aspects, among which are:

• You pay a lot for purchases. This is due to the fact that interest is charged on the use of credit funds.
• When withdrawing cash from a Home Credit card, you have to pay commission fees.
• If you don't know how to control your expenses or compare them with your income level, then you can fall into debt hole which is very difficult to get out of.

Grace period

How to get a loan without paying interest on it? It is worth immediately clarifying that the grace period in this bank applies only to non-cash payments.

If you cash out funds from a credit card, then they immediately begin to accrue interest.

The grace period is from 21 to 51 days. The duration depends on when you make the first transaction using a credit card - at the beginning of the billing period or at its end.

In order not to pay interest on the Home Credit credit card, you need to pay the debt before the last day of this period. Its start date is the day specified in the contract. It lasts 30 days.

After that, the payment period (20 days) begins. It is during this period that it is necessary to pay all the debts accumulated in the billing period.

Provided system of fines

For those who violate the terms of use of the card and the rules of the agreement, the bank has provided a penalty system:

• The first delay costs 500 rubles.
• The amount of delay in the second month will be 1 thousand rubles.
• If you overdue the third month, you will have to pay 1,500 rubles.
• If debt repayment obligations are not fulfilled in the future, the bank imposes a fine of 500 rubles for each day of delay. An official notification from Home Credit Bank will be sent to the client in advance.