Where can I get a credit card? Rating of banks, interest rates and reviews

Among the citizens of our country are in demand loans offered by banks on different terms. Now you can issue a credit card with a certain limit. Many banks issue it. Where can I get a credit card? You should contact any financial institution in our country that will offer programs of several types.

Features of lending

Before you make a credit card, you should familiarize yourself with the specifics of this type of lending:

• Easy registration and receipt in comparison with other types of loans.
• Usually you need a passport and an additional document.
• The card does not have a specific term for which to pay the debt, there is only a minimum monthly payment.
• Credit cards have a grace period, during which no interest is charged.
• Virtually all cards have a service charge.

If you are satisfied with such rules, then you can make out a loan. Where you can get a credit card depends on where you live. Usually it takes about 20 minutes to receive. Only under such programs small sums are provided at a rate of 25-30%. According to the reviews, it can be seen that such loans are made simply if compared with others, for example, consumer loans .

Procedure for registration

Cards are issued on the passport in several ways, it all depends on the services of the bank. Usually this happens:

• In the bank. This option has been used for a long time. You should apply to the nearest branch of the bank, fill out the application, and then wait for the decision. It takes a maximum of 1 hour to review. After approval, a card is issued.
• Through the Internet. The option is considered the most convenient. It is necessary to visit the site by filling out an application. It is necessary to enter reliable information about yourself.
• Home delivery. Some banks offer to deliver the card by mail or courier. In large cities it is delivered quickly, and in remote regions it will be necessary to wait. The client receives an unactivated card, and until it is activated, no interest will be taken from it.

According to the borrowers' reviews, it is clear that all methods of registration are convenient, just each person chooses for himself more comfortable. If you visit the office of the bank, then usually the cards are provided on the same day.

Requirements for borrowers

Many citizens can use credit cards. Where to register and receive them? Usually the application is made through the site or with the help of a specialist, but it is necessary to get in the office of the bank. But sometimes cards are sent by mail or by courier.

Banks have the following requirements for customers:

• Age 18-70 years, but in each bank it can be different.
• Having a passport.
• Information about residence and residence.
• Income statement.
• Contact Information.

Not every bank needs to confirm its income. If you provide documents on wages, the rate can be lowered, but it is set individually.

Bank offers

Where can I get a credit card? The rating of banks is based on their popularity among customers:

• Sberbank of Russia. In the institution it is possible to issue a "Momentum" card, but only to the company's customers, if there is an offer. The limit can be up to 120 thousand rubles for a fixed interest of 25.9%. Grace period is valid for 50 days, and maintenance is free.
• "Mail Bank". Where can I get a credit card quickly? Former "Summer Bank" offers to issue the program "Post Express". On it you can choose a limit. It is necessary to make minimum payments in a timely manner, and if there is no debt, then there is no service charge.
• "Alfa Bank". Financial institutions, where you can get a credit card, offer different conditions. Alfa Bank allows you to receive a card in 40 minutes. An individual amount is set for which interest is accrued. The rate is 47.9%. Grace period is 60 or 100 days. To obtain a passport and an additional document.

• Home Credit. If you are wondering where you can get a credit card, you should contact this bank. Customers are encouraged to complete the program "Quick Purchase", which has free registration and maintenance. The limit can be up to 300 thousand rubles, the rate - 34.9%, while withdrawing cash - 49.9%. The grace period is 51 days.
• "Tinkoff". Where can I get a Tinkoff credit card? You need to apply to the bank or fill out an application on the site. The limit is 300 thousand rubles. How many funds will be available, the bank decides. But after six months the limit can be increased. Grace period is 55 days. The rate is calculated from 24.9%, but if you withdraw cash, it will be 45.9%.
• "Renaissance Credit". "Transparent card" is made out on the passport. You must fill out an application on the site or visit the bank. The decision is made within 2 working days. The limit is - 300 thousand rubles, and the grace period is 55 days. The rate is from 24%.
• Raiffeisenbank. The card is issued on the passport. On it up to 150 thousand rubles, and if you confirm the income - 300 thousand rubles. The rate is from 24%. The interest-free period is up to 50 days.

Credit cards are also offered in other banks. Thus, there are many options where you can get a credit card by passport. It is only necessary to choose the most attractive offer and to visit the financial institution. Reviews of borrowers indicate that the card should be drawn in extreme cases, since it is much more profitable to take a consumer loan.

What is the interest rate?

The rate for loans is established on the basis of such factors:

• Inflation: the higher it is, the higher the rate.
• Interbank lending rate: if a bank does not have its own funds for loans, it asks for help from large financial institutions.
• Expenses: the rate includes interest on the wages of employees, rent of premises, maintenance of the office.
• Profit: takes into account the costs of issuing a loan.
• Seasonal costs: the provision of loans depends on the season. During holidays and before the New Year, the demand for loans increases, and the deposits fall, so during these periods the rate may increase by 5-6%.

The bet in each bank sets the same. In addition, we must pay attention to whether there are paid services. Interest in large banks is smaller compared to small commercial organizations. But if the rate is small, then more carefully check the borrower.

Are cards issued to disabled citizens?

In Russia, there are many banks that compete with each other. For profit, they are loyal to customers. If the bank is not required to provide a certificate of income, as well as indicate information about the place of work, then unemployed citizens can get a loan. Only financial institutions cover high-interest risks. An important role is played by the borrower's credit history. If it is positive, then usually money loans are approved. Some lenders are required to provide SNILS or driver's license.

Advantages and disadvantages

According to customers, card loans have the following advantages:

• Quick review of the application and provision of funds.
• Minimum of documents.
• Available programs for all citizens.
• Cash is withdrawn in any ATMs.
• Payment in terminals without commissions.
• Execution of payments through the Internet.
• In the grace period, interest is not accrued.
• Renewable limit.
• Opportunity to participate in bonus programs.

Disadvantages, judging by the reviews, are as follows:

• High rates.
• Hidden commissions.
• A small credit line.
• Many cards do not have chips and names, so they are less secure.

Before you draw a card, you should consider the pros and cons. Usually banks offer individual conditions for customers, so rates and amounts may vary.

Recommendations for borrowers

Before deciding which bank you can issue a credit card, you should familiarize yourself with the tips for borrowers. Please note that an additional fee is charged for service. In case of delinquencies, a fine and a penalty are provided. First, a lower rate is offered, but with a loan, it will be high.

It is advisable to apply to the bank in which the loan was already registered. Usually customers are offered more favorable terms. If there is a positive story, then, as a rule, applications are approved. Also, you should compare the conditions of several banks and choose the most suitable card.