Credit cards from otp bank. Cashback card "Molniya" from OTP Bank Molniya card OTP Bank Svyaznoy
Card blocking. Reasons, reasons, situations
For many people, card blocking comes as an unpleasant surprise. Meanwhile, the main possible reasons for this situation are known. At the same time, banks are not always right in their decisions.
Is it possible to return money withdrawn by scammers?
More and more people are experiencing bank card fraud. However, in many cases, stolen funds can be returned. The correct algorithm of actions increases the chances of compensation for losses.
How to choose a credit card
Credit cards differ in many ways: category, grace period conditions, cost of service, availability of bonuses, and others. How to choose a credit card that will best suit the owner’s preferences and lifestyle?
How does a credit card work?
All credit cards operate in a similar way. Once you understand the nuances, each client will be able to use this banking product as efficiently as possible. Let us consider in detail the rules for using a credit card and the types of grace periods.
How is a credit card payment calculated?
It is better to study the rules for calculating the monthly payment on a credit card before concluding an agreement. This will save you from overdue debt, subsequent fines, problems with the bank and damaged credit history.
Credit history
Credit history is information about accepted loan obligations, as well as the quality of their execution. Let's take a closer look at how to find out your credit history, what a credit report consists of, and whether it is possible to correct a bad history.
Same day credit cards
A credit card issued on the same day is a real lifesaver for those who urgently need money. However, the speed and simplified registration procedure entail high interest rates and other restrictions.
Credit cards for purchases
Modern credit cards are not only a convenient means of payment, but also access to all kinds of loyalty programs. Let's look at 10 credit cards with the most attractive bonuses, using which you can get even more benefits from your purchases.
Credit cards with interest-free period
A credit card with a grace period is one of the most popular banking products. Let's consider the basic terms of provision and methods for calculating the interest-free period, as well as credit cards with a maximum grace period.
Credit cards with bonuses
The bonus program is an effective way to stimulate activity and reward bank clients. Modern financial institutions have a wide variety of loyalty programs in their arsenal. Let us dwell only on some of the most profitable and popular ones.
Credit cards with instant decision
A credit card with an instant decision is the best option for those who want to apply without leaving home and immediately know the outcome of the review. Let's look at the registration procedure and the best offers in the express credit card segment.
Hilarious cases from bank employees. It's only funny in real life
Banking is serious, but not always. Sometimes clients become the main characters in funny stories and incidents that can amuse and make you laugh.
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Payment order - what is it?
Funds transfers are carried out in different forms: letters of credit, collection orders, checks. And the first place in the volume of documents on the basis of which these operations are carried out is occupied by payment orders (payments).
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How do debt collectors work with debtors?
The development of the banking system in Russia led to the emergence of structures, the existence of which no one had previously guessed, except for a narrow circle of initiates. One of these structures are collectors (collection agencies), specializing in extrajudicial debt collection.
Gold card
Plastic cards have firmly entered our lives and continue to continuously expand the scope of their application. Tens of millions of people in Russia use them in everyday life: they pay for goods and services at retail and service points, make money transfers, and withdraw cash. The banking services market offers thousands of card products with a variety of capabilities. However, with such a wealth of choice, plastic cards are clearly divided according to belonging to one class or another.
Installment cards
Installment cards demonstrate a fundamentally different approach to lending. The product is of interest not only to users, but also to banks.
Miru – “Mir”: pros and cons of the national payment system
Today, 35 million people use Mir cards, most of whom are state employees. Such plastic is still unpopular among people who do not work in government organizations: there are less than 4 million such holders. Indeed, Mir still has shortcomings. But there still seem to be more advantages.
Investment life insurance: benefits and risks
Investment life insurance is becoming increasingly popular in the insurance market. People are attracted by the opportunity to make money on investments and at the same time secure the future of their loved ones. But this tool has both pros and cons. Let's see for whom ILI is suitable.
In the name of good: how charity bank cards work
In the USA, charity cards have been issued since the 80s. In Russia, they are not yet so popular, but they definitely have potential: according to statistics, every second resident of the country spends up to 3 thousand rubles on charity. in year. Banks offer cards that will help save rare animals, give children a home, or support lonely old people.
Plastic in addition: why do we need additional bank cards?
Three-quarters of Russians use bank cards, but not every plastic card owner has their own separate bank account. What are additional cards, how, why and under what conditions to issue them - about everything in order.
Individual loan rate: which borrower, so the percentage
“Is it possible to lend even a penny to a person who has debts worth three hundred thousand francs, and not a centime to his name?” - exclaims the moneylender Gobsek from Balzac’s story and denies the count a loan. Banks, like Gobsek, want to make money, not go bankrupt. We tell you how an individual rate helps them with this and what the personal percentage depends on.
Union Pay cards: Yuan in your pocket
For most Russians, a bank card is Visa, MasterCard or Mir. If anyone has heard about Union Pay cards, it is most likely out of the blue. In this article we will talk about the Union Pay payment system and its cards, whether they are worth purchasing and where it can be done.
IYTC Cards: Empowering Young Travelers
Youth is the best time in life, full of hopes and desires. If love, then forever, if travel, then to the ends of the world! Discovering the beauty of the world is especially pleasant if you manage to save on purchases. IYTC cards provide this opportunity to young travelers.
ITIC cards for teachers: an opportunity to save money while traveling
Teachers and educators are representatives of one of the most respected and noble professions. These are people with a broad outlook, opening the world to their wards - pupils and students. We are talking about the ITIC card, which helps you save money when traveling and provides access to additional opportunities in the educational field.
“Dear you are our person,” or what is Private Banking
Just a few years ago, the Russian market for financial VIP services was a pale imitation of the European one. But now our banks have moved from simple service in a separate room with expensive furniture to really interesting offers. First of all, this is a guarantee of anonymity, asset protection and personal conditions for the client.
Far Eastern hectare: develop and build
More than 100 thousand people have applied for a “Far Eastern hectare”, and 40 thousand plots have already been provided for free use. Their owners plan to build houses, conduct agricultural and other activities. We will tell you in this article what kind of support they can count on.
What is SMS credit
Today, to apply for a loan, process it and receive money, you do not need to visit a bank branch or microfinance organization. This can be done remotely – by phone, through an online form on the financial institution’s website, in your personal account, and even via SMS. In this article we will talk about how and where you can get an SMS loan and what its advantages and disadvantages are.
Golden offers for the golden age. The best cards for pensioners
Before retiring, a person should decide how he would like to receive his pension: through Russian Post or in a bank. Read about which Russian financial institution treats older people better and where it is worth opening an account in this article.
Multicurrency card: why you need it and where to apply for it
A multi-currency card will help you free up space from excess plastic in your wallet, save money on purchases abroad and exchange currency in a couple of clicks on your smartphone. We'll tell you where to order and how much you'll have to pay for convenience.
Priority Pass or how to feel like a VIP
Airport VIP lounges are designed for travelers who prefer comfort while waiting for a flight. There are several ways to get into this zone, which is inaccessible to most passengers: buy a business class ticket, pay money for entry, or participate in the airline’s loyalty program. But the most universal one is the Priority Pass card.
What's in my name: a list of bank names
According to the Central Bank of the Russian Federation, as of June 26, 2018, there are 898 credit institutions in Russia. Of these, 62 are non-banking. Not every one of the remaining 836 banks was imaginative when choosing a name. With which banks everything is clear from the first word, and which names make you think – we’ll tell you in the article.
Numismatics: how to make money on coins
Numismatics is an interesting hobby and a way to earn money. If you have a ten-ruble note “Chechen Republic” from the “Russian Federation” series lying around, consider that your budget has been replenished by 10 thousand rubles. Of course, about 95% of coins are already concentrated among enterprising collectors, but there is a chance that your profit is hidden among the remaining 5%.
Not like everyone else: bank cards with creative designs
The desire to stand out, to have something non-standard is typical for many people. Bank cards are no exception. Financial institutions, catching the needs of clients, produce plastic with an exotic design. We will talk about such cards in this article.
Concierge service: as a personal assistant
The life of business and simply active people is filled with interesting and important events. And sometimes they have neither the desire nor the ability to engage in routine or spend time searching for the necessary information. In such cases, assistants, secretaries and concierge services come to the rescue. We'll talk about it in this article.
How to pay for a purchase in a store without money or a card
Apple, Google and Samsung Pay are no longer perceived as dirty words. Most people with a smartphone and a superficial understanding of banking products have heard about these contactless payment systems for purchases. We will tell you how to gain access to technologies in this article.
Russian Railways Bonus: traveling with benefits for your wallet
The railway, despite growing competition from road and air carriers, is used by many. But not everyone knows that traveling by train can be made not only enjoyable, but also profitable. Russian Railways (RZD) encourage passengers, and we will tell you how to take advantage of this in the article.
What is an individual pension plan
The average insurance pension of a non-working pensioner as of January 1, 2020 is 16,500 rubles. Agree - the money is more than modest. One way to increase the level of income for a future retiree is to sign up for an individual pension plan (IPP).
MCC: “kitchen” of rewards for plastic cards
Banks include cashback and participation in discount (bonus) programs in the terms and conditions of many plastic cards. Holders receive rewards for certain transactions, usually for paying for purchases. You can find out which trade and service enterprises (TSEs) participate in programs and promotions using MCC, which we will discuss in this article.
5 ways to transfer money without commission
Money transfers are one of the most popular financial services. There is a fee for such transactions. However, this is not a general rule. There are several ways to transfer money without commission, and we will talk about them in this article.
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Almost every bank offers its customers an impressive line of credit cards. A large selection plays into the hands of the credit card buyer, but with such a significant variety, it’s easy to get confused. What should you pay attention to in order to choose the optimal product?
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Distinctive conditions of credit cards without income certificates
A credit card without an income certificate makes it easier for the borrower to collect documents. However, the conditions of such a product are sometimes unfavorable. In this case, banks in any case study the financial condition of the client.
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How to choose a card for traveling abroad?
Banks are developing special card products for traveling clients. They have characteristics that are most relevant when traveling and flying. What criteria should be used to evaluate such cards?
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VIP card: who will benefit from its capabilities?
VIP cards are sometimes perceived solely as an image tool. Meanwhile, the advantages of such “plastic” are often practical. The cost of the product may well be justified.
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Making a payment by credit card. Options for dealing with a shortage of funds
Credit cards provide more opportunities to avoid delinquency than consumer loans. Appropriate solutions help prevent bank sanctions and maintain a positive reputation of the borrower.
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Why banks refuse loans and what to do
Being denied a necessary loan is unpleasant, especially when the motive for such a decision remains a secret to the client. In this article we will reveal the main reasons for the rejection of loan applications. This will help you avoid annoying mistakes and increase the likelihood of approval.
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How to put money on a credit card
Active use of a credit card means regularly replenishing your account. You can put money on a credit card in many ways - cash or non-cash. In some cases, replenishing a credit card can bring additional benefits.
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Free money. We cash out a credit card without commission
Most often, withdrawing borrowed cash from credit cards is accompanied by a high commission. But not always.
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Changing a salary card for a more profitable one: which “plastic” is better and how to overcome accounting
The capabilities of the salary card offered by the employer are often very limited. When is it worth “looking around” and how to transfer salary receipts to another “plastic”?
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Stealing money from a card. If you have a bank card, you should know this
Fraudsters are inventing new ways to steal money from bank cards. Which ones are common today?
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Banks will store not only your money, but also your vote
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Dispelling myths about contactless payment cards
For contactless payment cards, you must follow all the same security measures as for others. But don’t forget to “filter” “adult horror stories” and draw your own conclusions, weighing the incoming information.
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Will the bank pay for everything? What to do if money is stolen from your card
Unfortunately, theft of money from bank cards is not uncommon today. However, in certain situations, the written-off amount can be returned.
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How to delight bankers or 7 steps to an ideal credit history
“Why don’t banks give me a loan?” - this question torments many failed borrowers. Let's look at the situation through the eyes of credit institutions and find out how they evaluate clients. With this information, you will not conquer the world, but you will be able to get a loan on favorable terms.
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Overdue loans. Instructions for survival in conditions of financial difficulties.
The unexpected can happen in the life of any person. Loss of a job, injury, illness, loss of loved ones. In such cases, hands give up, and the fulfillment of debt obligations is relegated to the background. This article will be useful to those who have outstanding loans. We wish that you never need this information, but if problems arise, you know where to find it.
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Refinancing fashion. What % rates are trending now.
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Tired of faceless plastic and monotonous programs for accruing air miles or cashback? Then this selection is for you. Here are 6 proposals from Russian banks, which certainly cannot be called trivial. Choose according to your taste.
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The bank protects the safe: how to insure a debit card
More than 1 billion rubles. per year - according to the Central Bank, this amount has been stolen from the bank cards of Russians for several years. To avoid being included in disappointing statistics, you should take care of plastic insurance. We tell you what offers banks have.
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“Sign here where the check mark is,” says the bank employee, handing over sheets of paper. I don’t have time to read the contract, and I don’t want to strain my eyes. Obediently print out the signature and take a copy for yourself. Sound familiar? Now let's figure out what you need to pay attention to before signing the contract.
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Bank in your pocket. Advanced gadgets for banking clients
The digital revolution has not bypassed the banking sector: today we can top up our accounts or make contactless payments using small but functional devices. We talk about the most useful of them and how the process of introducing such innovations is going in Russia.
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Bought on AliExpress - get your money back
AliExpress sells everything from smartphones to duck-beak dog muzzles. The popularity of the trading platform prompted banks to think about creating special cards. With them you can not only conveniently pay for purchases, but also get back part of the money spent. Which plastic can you buy over and over again? We understand the conditions and choose.
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Mistrust index. Are Russian banks ready to give loans to foreigners?
It will take a foreigner at least 8 years to obtain Russian citizenship in the general manner. Is it possible to get a loan at this time or is it better to wait for the coveted passport? Read our article.
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White or black. The whole truth about credit brokers
Received an advance and never picked up the phone again - this is a typical response from a victim of a black credit broker. Read about how to avoid getting into such a situation and choose an honest and competent financial advisor in this article.
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My bank is being sanitized. What does this mean and what to do
Experts from the DIA say that the situation with bank rehabilitation in Russia is improving: today there are only 5 projects launched (for comparison, in 2015 there were 18). But after last year’s high-profile stories with Binbank and Otkrytie Bank, clients are concerned. We tell you why reorganization is not so scary for depositors and what to do if the bank is “recovered.”
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I'm a freelancer. Can my card be blocked?
Lately there has been a lot of talk about blocking bank cards. This issue is especially relevant for freelancers, whose financial transactions often look “suspicious.” Let's figure out what can lead to a card being blocked and what to do if it does happen.
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My bank's license was revoked. What to do?
The “purge” of the banking sector has subsided, but, as experience shows, the revocation of a license can affect any bank. For clients, this news is unpleasant and unexpected. Questions immediately arise: do I need to repay the loan, will the money be lost, and where should I go? We answer frequently asked questions that bank clients face in this situation.
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Every gamer has a bank: how to save on games using bank cards
A new game for PS4 costs 4,000 rubles. It hurts, but I don’t want to miss the expected release. Realizing that gamers regularly spend a lot of money, banks began issuing cashback cards for purchases on Steam, PlayStation Store and electronics stores. We have selected bank cards for different types of gamers - from noobs to hardcore players. Choose.
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WORLD cashback: which bank to choose to get the most out of your card
Cashback is a long-standing and effective “bait” with the help of which payment systems and issuing banks attract customers. MIR cards, which are issued by Russian banks, are no exception. Moreover, for some “WORLD” products you can get a double bonus – from the bank and from the payment system.
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Which bank to choose - public or private
You have some extra money that makes sense to put into a deposit. Or vice versa, there was a desire to buy something on credit. Then you will probably have to think about which bank to contact - public or private. In this article we will tell you what the difference is between them and what to consider when choosing.
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Unallocated metal accounts: how easy it is to invest in precious metals
Against the backdrop of economic instability, gold and other precious metals seem to be a safe haven. But storing gold bars at home is not very safe. For such cases, banks offer impersonal metal accounts. We tell you how to become an investor in precious metals without even touching them.
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How to save on online purchases: cashback cards and online services
Buying online is convenient and fast. Money in virtual stores is spent more unnoticed than in regular ones. Thanks to special offers from banks and online services, online shopping can be profitable. We tell you how to buy equipment, clothes, airline tickets, and anything else you want, and get paid for it.
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Is it possible to make money on a savings account?
Imagine that you have 30 thousand rubles available, set aside for vacation. The trip is scheduled in 2 months and the idea arises to “find” your money. The first thought is a deposit, but you will have to say goodbye to your savings for at least a quarter. A savings account will help you make your money work without restrictions on its use.
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How to increase your salary using an individual salary project
Slavery in Russia was abolished in 1861, and “wage slavery” in 2015. What has changed since then and how do banks attract salary clients who have gone free? We'll tell you about the most interesting offers: interest on the balance, cashback, preferential loans and VIP privileges.
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Mobile banking versus online banking: which is safer?
Digitalization of the banking sector is in full swing: more and more people are mastering mobile and Internet banking. We find out which of these services is more reliable, and tell you how to secure your data.
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Foreign bank account. What kind of reporting to submit?
More and more Russians are opening accounts abroad. This is convenient for those who live abroad permanently or for a long time, and for those who travel frequently. But an account in a foreign bank is not only new opportunities, but also new responsibilities. Let's talk about them.
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Marketing tricks of bankers
If you are going to place your free money in a deposit or take out a mortgage, then first of all you are looking for the most profitable programs. Financial institutions, of course, respond to these signals and throw tempting offers onto the market. In this article we will talk about what tricks banks resort to to retain and expand their circle of clients.
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From point A to point B: how to transfer money within the Russian Federation
Probably every person at least once faced the need to send money to another city. Previously, to do this you had to go to a post office or bank and wait in line. Now there are many more ways available: through terminals, ATMs or mobile phones. We talk about all the options in terms of benefits and speed.
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Save and increase: where to invest dollars
For those who have accumulated a stock of US dollars, the question is whether it is possible to “place” them in our country and make money on it. Let's talk about several ways to invest American currency that can bring income.
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Features of national crowdfunding or how to chip in correctly for a startup
If you had bought $1 worth of Apple shares twenty years ago, you would have earned approximately $22,300 today. Read about whether there is a chance to invest your hard-earned money just as successfully in 2020 in this article.
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Plastic for superheroes. What cards would comic book characters use in Russia?
Heroes and villains of the DC and Marvel universes often behave like ordinary people: they go shopping, eat in restaurants, travel. We decided to get creative and choose profitable bank cards for popular comic book characters. Will Russian banks be able to satisfy superhero needs? Read our article.
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5 ways to overcome the financial crisis
I would like to think that a financial crisis is something that happens to others. In reality, anyone can find themselves in a situation of debt due to difficult life circumstances or a simple inability to use credit products. We have collected 5 practical ways to help you get out of a financial crisis.
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Where can a student get money?
The minimum scholarship for bachelor's, specialist and master's degrees in Russia is 1,340 rubles. If you study well, you can count on 5-7 thousand rubles, but in any case it is impossible to live on that kind of money. We tell you where students are given loans on favorable terms and what to pay attention to so as not to create problems for yourself and your parents.
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Tickets to summer: travel cards
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The bank demands to repay a loan that I did not take out. What to do?
A letter from an unknown sender or a call from an unfamiliar number usually does not bode well. At best, they will load you with advertising, or even give you an unpleasant surprise. Such a surprise may be the bank’s demand to repay a loan that the person did not take out. We will tell you how to behave in such situations in this article.
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Taxable income when writing off a loan debt
Imagine the situation: a bank client took out a loan, but was unable to pay it off. Neither the bank nor the collectors were able to collect the debt, and after some time the borrower receives a notification that his debt has been written off. But it’s too early to rejoice: you will have to pay tax on the income received.
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What to choose – Priority Pass or Lounge Key
For those who fly frequently and prefer to travel in comfort, spending many hours in noisy and crowded airport terminals is real torture. Participation in one of the international programs for access to airport lounge areas can be a salvation. In this article we will talk about two of them – Priority Pass and Lounge Key.
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Chargeback: how to return money to the card and not get into a puddle
Paying for goods or services with a bank card is modern, fast and convenient. True, sometimes misunderstandings arise during such operations. But even if the item paid for by card is not received, the problem can be resolved without going to court - with the help of a chargeback.
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Do anti-collectors help debtors?
The lending market gave birth to collectors, and then the opposite force to them - anti-collectors. Borrowers who have fallen into a debt trap turn to the latter. In despair, a person cannot correctly assess the situation and clutches at straws. Whether “debtor’s defenders” will bring benefit or harm depends on the situation.
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Increasing the loan rate: legal or not
Loan interest is a sore subject, but borrowers are even more concerned about the issue of changing it. Concerns are most often unfounded, and the bank will not unilaterally increase the interest rate on the loan. But there are exceptions to every rule.
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The statute of limitations is a period the completion of which frees the borrower from the prospect of prosecution by the bank. The theory is based on legislation, namely, the Civil Code of the Russian Federation. In practice, questions arise about the methodology for calculating the deadline. Often the loan has to be repaid even after the cherished 3 years.
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What to do with the debt to the bank if you are drafted to serve in the army
Defending the Motherland is a sacred thing, but not always rewarding. Men liable for military service risk finding themselves in a situation where they find themselves in debt not only to the country, but also to the bank. Taking out a loan before the age of 27 is not a problem, but how can you repay it if you have to march past a bank branch for a whole year?
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What to do if you were deceived when buying online
The average bill of a person deceived while shopping on the Internet is 15 thousand. rub. It is difficult to calculate how many people were left without goods and without money. Not all victims report incidents because they believe that it is impossible to return the money. This is wrong. We tell you where to look for justice and how to protect yourself from scammers.
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How to lend money correctly
Situations when someone asks to borrow money are not uncommon. If there is an opportunity to help, people help. But when we are talking about a large sum, it is worth borrowing wisely, without neglecting the rules of the law. This approach will help guarantee a return.
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How to interact with collectors correctly
The practice of obtaining loans in Russia has been actively developing since the beginning of 2000. In parallel with this, the number of collection agencies collecting debts from would-be borrowers is growing. This year, collectors plan to return 14 billion rubles, which means that the risk of becoming their “client”, even without a debt, is rapidly increasing.
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Cards with free insurance policy
Many people know that banks offer cards with bonuses for travelers. But not everyone knows about an additional service - free insurance for those traveling abroad. Next, we will tell you why you need a temporary insurance policy abroad, what it protects against, and what bank offers you should pay attention to.
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6 mistakes when using credit cards
A credit card is a profitable way to borrow money from a bank. If the borrower uses the instrument correctly, he does not pay interest. However, not everyone understands how this scheme works. Many people make mistakes that cause their debt to snowball. Next, we will consider the most common ones.
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Cards to save on taxis
Bank card holders can save on taxis in several ways: receive cashback for trips, exchange points for taxi certificates, and also receive discounts when ordering cars. Such privileges are available to owners of both credit and debit plastic cards. Let's talk about the banks' offers in more detail.
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Currency transfers abroad
When transferring money abroad, pay attention to the commission, the term for crediting funds and security guarantees. There are three main ways: through a bank, using electronic payment systems or international fast transfer systems. Next, we'll talk about the pros and cons of these options.
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Aeroflot Bonus: savings and comfort
“Fly with Aeroflot planes!” - an advertisement from the times of the USSR called for it, as if people had a choice. Nowadays there really is a choice, and airlines, operating in a competitive environment, use various marketing techniques to maintain and expand their customer audience. One of them is Aeroflot Bonus, which we will talk about in this article.
This card was issued to me at the Euroset salon. They issued the card without any problems, the registration took 15 minutes. All you need is a passport and nothing extra. So this is what I want to say about this card...
I’ve long wanted to buy a credit card with a grace period for purchases, but I didn’t know which one... I once went to Euroset, where a girl was applying for one for herself, and so did I... It’s good that I had my passport with me. I often make purchases in stores, but since money is not always available, and I don’t want to wait until payday, so cards like “lightning” with a credit limit are beneficial for me... there are many such cards, they just all have their own conditions. Specifically about this card, I can say that the “%” is large, if you get an instant loan for cash withdrawals, it is not profitable, since there is a large percentage for the loan itself + a percentage for cash withdrawals, which is also not small. The advantage of this card is that there are 55 days when you won’t be charged interest for using money if you pay with the card in stores, that is, without cash, which also has a credit limit; first day + for withdrawal. But there are also nuances; you need to understand that the difference is not 55 days, but up to 55 days (and don’t delay it, since this also has its own mafia). There are also some big advantages - the accrual of interest on the balance of your own funds, that is, if you do not have a loan on your card for purchases, you just decided to put your money on interest, and then if you have over 5,000 thousand then up to 7% per annum, if less than this amount, then 0.1% per annum. Which is not bad at all, but it’s worth understanding the difference: should you put money on interest? On such a card, or on other cards with a credit limit, the interest on the balance is of course tempting, but you don’t forget about the withdrawal percentage: which is fixed at 2.99% of the withdrawal amount and 290 rubles for the withdrawal amount. So it’s worth thinking about whether it’s profitable? The benefit is only when you go cashless.... There is an advantage of free annual service, which is great... (I can assume that “Free” is only the first year of service. I myself have been using this card for the second month, my income for using this card is still I didn’t see it (i.e. cashback for purchases is 1.5% of the amount spent), not enough, but if the amount of money spent exceeds 2000 thousand rubles, then 300 rubles will be returned to you. Therefore, using this card is profitable for me to buy clothes, because - That’s why I took it.... I didn’t like the fact that cashbacks are not credited immediately and not every day, or rather they are credited every day after the purchase and are paid according to the agreement, this is what’s annoying.... Read more about other nuances. yourself on the Internet. Thank you for your attention!
Video review
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OTP Bank is one of the leading Russian banks in the consumer lending segment. His products are in demand among our fellow citizens. With the Molniya credit card, OTP Bank offers not only a standard list of functions, but also the opportunity to compensate for its costs.
Owners of this card can not only use the bank’s financial resources, but also receive additional income. Among the advantages of "Lightning" it should be noted:
- There is no fee for issuing or servicing the card.
- Availability of an electronic chip, 3D Secure and PayPass technologies.
- No documentary proof of income is required.
- Interest-free debt repayment period for 55 days.
- Interest accrual on the balance of own funds in the amount of 0.1−7% per annum. The maximum rate will be offered to clients who have between 5 and 200 thousand in their account balance. In all other cases, interest is charged at a rate of 0.1%.
- Profitable bonus program. According to its terms, with an OTP Bank credit card, the client has the opportunity to receive Cash Back on purchases up to 3%. 1.5% compensation is paid from all non-cash transactions in the amount of over 100 rubles, made using credit and own funds.
The client can receive 3% for payments to the company from which he received the credit card. Thus, OTP Bank’s partners in this bonus program are DNS, Mnogo Furniture, Leran, Svyaznoy. The borrower also has the opportunity to receive 300 welcome points. To do this, he needs to pay with a card in the amount of 2,000 rubles or more using borrowed funds within 30 days from the date of receipt of the credit card.
And an undeniable advantage is service in a European bank, which pays great attention to the quality of service for its clients and their satisfaction with the products offered.
Procedure for issuing a credit card
You can get a Molniya credit card only in Svyaznoy mobile phone stores. To receive it, you just need to provide your passport and fill out a form. If the application is approved, the client is immediately issued a non-personalized card.
Important! There is no possibility to order and issue an OTP Bank credit card using an online application. You just need to contact Svyaznoy. The addresses of the salons can be found on the OTP Bank website.
A citizen of Russia whose age ranges from 21 to 69 years can apply for a Molniya card. Work experience - from three months. Permanent registration in one of the regions where the bank operates is mandatory.
After the borrower has received a credit card, you need to carefully study the tariffs again. After that - activate. To do this, just call the bank’s call center at the toll-free number 8−800−100−55−55 or 0707 (from a mobile phone). The employee must provide his passport details and the password specified in the application form when issuing the card. After this, the credit card can be used for payments: withdraw cash from ATMs, pay for purchases on the Internet, in retail chains.
It must be remembered that the grace period applies only to non-cash transactions. In order for the overpayment to be zero, you must not withdraw cash and repay the debt in full during the grace period. In any case, the borrower must pay a minimum payment, which is 6%, but not less than 600 rubles.
All Molniya owners receive free access to their account through the OTP Direct online banking system. Here you can see the balance of the debt, the date of payment, and the amount of accrued interest.
Attention! It is important to pay the required payment on time. If it is missed, a fine of 20% per annum will be charged.
Conditions for borrowers
The credit limit is 300 thousand rubles. But it is calculated personally for each borrower, taking into account his solvency.
The interest rate on the Molniya card is:
- 19.9−34.9% per annum for non-cash transactions;
- 49.9−59.9% per annum for all other transactions, including cash withdrawals;
- a rate of 19.9% per annum is set for customers who repay their card debt on time within six months.
The client's costs also include payment for SMS banking, the cost of which is 79 rubles per month. There is no fee for issuing or servicing the card. You can use the card for payments not only in Russia, but also abroad.
How to withdraw cash?
The Molniya card has a cash withdrawal limit of 45 thousand rubles per month.
The same commission is charged for cash withdrawals from all ATMs and cash desks. It is 3.99% +390 rubles. The commission is debited from the card account and taken into account when generating debt.
A modern person may need money to pay for purchases or services at any time, and asking for a loan from friends and acquaintances is not always possible. A credit card will help you quickly get out of temporary financial difficulties, but in most cases it can take a long time to get it. However, do not be upset - the Molniya credit card from OTP Bank will help you quickly solve the problem. You can receive it instantly and even without visiting a bank service office.
Card Features
When it becomes necessary to apply for a credit card, borrowers usually contact a bank branch or submit an application through the credit institution’s website. With the Molniya credit card, you don't need to go to the bank to apply. This is a joint project of OTP Bank and Svyaznoy-Club; plastic is distributed through the Svyaznoy retail chain. The ability to receive a credit card directly in a store significantly increases its accessibility.
Conditions
The Molniya credit card from OTP Bank is a full-fledged payment instrument that can be used all over the world. The conditions for the credit card are as follows:
- free issue;
- free annual maintenance;
- credit limit - up to 300,000 rubles;
- rate - from 19.9%;
- monthly payment - 6% of the debt amount;
- interest-free period - up to 55 days;
- Cash Back on all purchases - 1.5%;
- Pay Pass contactless payments;
- interest on the balance - up to 7 per annum;
- discounts and special offers from MasterCard partners;
- free transfer of money to another card;
- cost control through
How to get
In order to get a Molniya credit card from OTP Bank, you just need to visit one of the Svyaznoy communication shops in your city. The application will be accepted by a store employee, who will also issue the plastic, which will be in an inactive state. To activate and receive a PIN code, prepare a pen and paper, call the toll-free number 8-800-700-56-59 and follow the prompts of the autoinformer. Then you can start paying for goods and services.
Bank requirements for the borrower
OTP Bank does not impose any special requirements on its borrowers:
- age – 21-69 years;
- citizenship of the Russian Federation;
- permanent registration and actual residence in the region where there are branches of OTP Bank;
- permanent employment and work experience at the last place of work for at least 3 months;
- Availability of a pension (for clients of retirement age).
What documents are needed
The only document required to obtain a Molniya credit card is. It is very important that it is not expired, does not have torn, stained or wrinkled pages and unnecessary entries. If your passport is in unsatisfactory condition, the bank will refuse to issue a loan (but, of course, they will not tell you the reason for the refusal).
How to use Lightning
In order not only to use borrowed funds on a credit card, but also to get the maximum benefit from it, it is important to take into account some nuances. Let's take a closer look.
Interest-free period
It is very important to correctly understand the essence of the interest-free period in order not to violate its terms and not overpay on the loan. It consists of two parts:
- billing period (1st - 30th day of each month) - time to make purchases with a credit card;
- repayment period (1-25th day of the month following the billing month) - the period for full repayment of the debt incurred during the billing period.
A period of 55 days is the maximum interest-free period. For example, if you make one purchase on credit on the 1st and another on the 30th, then in any case, in order to avoid overpayment, you need to return both amounts by the 25th of the next month. When withdrawing cash, the interest-free period does not apply.
Cash Back
Cash Back in the amount of 1.5% of the purchase amount is credited to the card’s bonus account once a month on the 10th of the previous month. The maximum bonus amount is 2000 rubles per month. When this amount is reached, bonus accrual stops until the next month. Then Cash Back accrual begins again and only with purchases of the current month.
Cash Back is not accrued when:
- money transfers and cash withdrawals;
- replenishment of electronic wallets;
- payment of insurance and financial services;
- purchases of lottery tickets, bets in casinos and sweepstakes;
- payment for communication services.
Loan repayment
To pay your monthly payment amount or the entire amount owed, you simply need to top up your credit card using one of the following methods:
- Use the online transfer service from card to card on the OTP Bank website. There are no fees for internal transfers. When using payment instruments from other financial institutions, the card issuer may charge a fee for the service.
- Make a transfer between your cards via the OTPdirect online bank.
- Top up your card account through OTP Bank branches and ATMs.
- Top up your account through self-service terminals or at retail outlets of the bank's partners. When making a payment through partners, you must provide your passport, card or agreement number. When using the terminal, select the “Loan repayment” section and click “Top up the card”.
About the pros and cons
An important feature of Molniya is its availability with an attractive interest rate of 19.9%. When registering, the bank sets the rate individually, but is ready to reduce it if monthly payments are made on time for 6 months. Thus, long-term lending is necessary to reduce rates. To use your card profitably, try to make large purchases in the first days of the month in order to have time to pay off the debt without paying interest during the interest-free period.
Credit cards - my experience and rules of use: Video
Limit:
up to 300,000 rub.
Bid:
Age:
Service fee:
0 rub. in year
OTP Bank is one of the largest banks in Russia in the consumer lending segment. Customers are offered plastic with a limit of up to RUR 300,000. The main difference from other products of the organization is the accrual of bonus points when making purchases.
The plastic is issued at the organization’s office or with partners, and is issued at any service point after production (takes up to 2 weeks). The loan amount is determined individually, after studying the application form and the borrower’s credit history.
general information
The credit card is characterized by attractive conditions that make using the card beneficial for the owner. Plastic is issued by the MasterCard payment system, category – World. Additional options (Priority Pass, Concierge Service, free insurance) are not provided in this category.
The cash withdrawal fee depends on the selected tariff plan.
Interest on the balance in the amount of 6.5% is charged on amounts from 5,000 to 200,000 rubles. In other cases, 0.1% per annum is charged.
Credit terms
Loan terms depend on the client’s reputation and the package of attached documents. The lender has provided for a reduction in the interest rate to 19.9% per annum for reliable borrowers after 6 months of using the credit card, subject to timely repayment of the debt.
Considering the conditions, it is more profitable to use plastic when paying for goods in stores or online. In this case, the lowest rate applies and bonuses are awarded.
Client requirements and documents
The official website states that registration is carried out using a passport. However, the bank has the right to request additional documents (SNILS, INN, driver’s license), as well as a 2-NDFL certificate. Typically, proof of income is required if the lender doubts the solvency or the borrower has a negative credit history.
The presence of outstanding loans and previous delays negatively affect the reputation and complicate obtaining a credit card. We recommend that you complete the CI correction program by contacting the microfinance organization. If time permits, submit a request to Sovcombank for the “” program. It will take about 3 years to complete. In MFOs, the reputation is corrected within 2-3 months.
Features of plastic
The credit card is issued with the owner's name, so there are no problems with paying online or using it abroad. For the convenience of users, there is a one-touch payment option (Pay Pass). There is also a chip and Secure Code security technology necessary to confirm online transactions.
The plastic is linked in the Google Play mobile application.
According to the bank's terms, the card is not delivered by courier or mail. To register and receive, visit your nearest branch. A complete list of branches is listed on the official website of the organization.
Mobile banking and additional services
Internet banking "OTP-Direct" and a mobile application are available to all cardholders. Downloading is free. The application tracks the status of the account, processes payments, transfers, etc.
Despite the absence of a service fee, the SMS-info service is provided for a fee - 79 rubles. monthly.
Penalties and limits
For missing a payment, the bank charges a penalty of 20% per annum on the debt amount. There are no other penalties. Data on overdue payments are sent to the BKI on the first day.
There is a daily limit for cash withdrawals - 45,000 rubles.
Loyalty program
Priceless cities
Owners of Molniya plastic can enjoy discounts of up to 30% under the loyalty program of the MasterCard payment system. PS partners are located all over the world, which allows you to travel profitably.
The Priceless Cities program includes offers from famous Russian stores (YOOX, The Body Shop, Redken, Rendez-Vous, GUM, etc.). The discount amount is from 5 to 30%. The number of partners is constantly growing. In addition to discounts, holders have access to privileges of various levels - access to closed theatrical performances, exhibitions, gift tickets to premieres, excursions, etc.
Bonuses and Cash Back
The card provides bonuses. 1 bonus = 1 rub. Accrual scheme:
- 300 bonuses* for the first purchase in the amount of RUR 2,000 or more, made within 30 days after the plastic card was issued;
- 3% of the amount when making purchases from bank partners against the credit limit;
- 5% of the amount for purchases over 100 rubles. at the expense of own and credit funds.
*Gift bonuses are provided for making the first purchase using borrowed funds. If you pay with your own money, bonuses will not be awarded.
The maximum number of bonuses per month is 2,000.
Debt repayment
When using borrowed funds, once a month the bank charges a minimum payment - 6% of the amount, but not less than 600 rubles. The borrower repays the debt no later than the settlement date. It is advisable to deposit money 1-3 days before the payment date. When making a non-cash transfer, keep in mind that the processing time is 5 working days.
Transferring from card to card takes several hours. There is no commission. When depositing money through ATMs, the deposit is instant.
Advantages and disadvantages
Obtaining a Molniya credit card has advantages for owners:
- Participation in the bonus program. For each purchase paid with credit funds, points are awarded. Savings are spent with bank partners. Users also receive discounts and other benefits through MasterCard's Priceless Cities program.
- Free service. Plastic is issued and serviced free of charge throughout its validity period.
- Sufficient limit. The maximum amount is RUR 300,000. The limit is set based on the client’s financial condition and his rating.
- Interest on balance. Interest is charged on the balance of own funds up to 6.5% per annum.
- Modern technologies. The plastic is equipped with Secure Code security technology and also supports Pay Pass contactless payment.
- Simple design. The credit card is issued at the bank office or at the organization’s partners, using your passport. No other documents are requested.
Flaws:
- Transaction restrictions. There is a monthly limit on cash withdrawals of up to 45,000 rubles. There is no limit on payment for purchases.
- High rate when withdrawing cash. The interest rate applicable when withdrawing funds is from 45.9% per annum.
- Commission for cashing out the limit. For each operation a commission of 2.9% + 290 rubles is charged.
- Paid SMS notifications. The cost of the option is 79 rubles. per month.
Information about the issuing bank
is a subsidiary of a Hungarian holding company of the same name, which owns 97.90% of the shares. Subdivisions are represented in Moscow and more than 3,700 settlements in Russia. The number of OTP Group private clients totals 11 million people in 9 countries.
In Russia, the history of the bank begins in 1994. Until 2008, the organization was renamed several times and changed shareholders, until the bank bought out the Hungarian concern.
The company's financial rating is high. The bank is in 30th place in terms of net profit with an indicator of 1,983,517,000 rubles, and in 50th place in Russia in terms of the volume of its own assets (152,675,211,000 rubles). The credit rating assigned by the Expert RA agency is ruA with a stable outlook (moderately high level of financial reliability).
Conclusion
The card is suitable for different categories of borrowers. Due to the accrual of interest on the balance, plastic will be beneficial for wealthy clients. For low-income citizens, there is an approved limit and a minimum payment of 6% of the debt amount. The loyalty program allows you to save on purchases and accumulate points. Conditions are standard for this type of lending. No interest is accrued on the debt for 55 days. If you repay 100% of the debt within this period, you will not pay a fee to the lender.
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