The whole truth about otp-bank credit cards. Full information about otp bank credit cards otp bank credit card personal account

At the very beginning, there was not a very large amount of money on my credit card from OTP Bank. I did it with the expectation that I would no longer take out loans at all, but would pay for large purchases to her. But there wasn’t enough money on the card, so I had to make do with what the bank gave me. But now my limit has been increased, probably because I always returned the money spent on time. With such an amount on the card, you no longer need a loan, great!

To avoid the need to urgently apply for a loan, it is better to have a credit card in your pocket. As soon as I started receiving my salary through OTP Bank, I immediately ordered a card like this for myself, just in case there was an emergency! They released it free of charge and you don’t have to pay anything for it, because the service is free. True, the limit is not very large, but so far there has been no need for a lot of money, let it remain that way!

Valentina

My credit card from OTP is a lifeline in case of salary delays. And sometimes they began to give it at other times. I don’t worry about it, I just pay by card and that’s it, and then I deposit the money. I strictly follow the deadlines, I have never been caught on interest. The interest-free limit is large, so you have enough time to pay off your debt!

I still continue to use a credit card from Touch Bank, although it is no longer there. But the obligations have passed to OTP, while the term has not yet expired, I am not going to close it, especially since it continues to work. I just sorted everything out at the new bank, they confirmed that the card was working, they didn’t even lower my limit. It doesn’t matter to me which bank, the conditions are still the same, everything works, points are even awarded, OTP holds everything in its hands, so it’s normal, then they will re-issue the card under their own name and that’s it.

I have been using this card since the fall of 2012! The bank itself then sent it to me for my positive credit history. For the first months I didn’t touch it at all! Then I decided to make my first purchase, I liked it. I am extremely pleased with the cashless payment for goods in stores, because I overpay only 17 percent. During this time, I learned how to use the card perfectly so as not to feel short of money. I turned off notifications so as not to pay extra. And last year the time came to reissue the card. The process was successful. I'm happy with the card!

Vladimir

Since OTP Bank considered me a reliable client, it offered to use a credit card. I just had a problem with work, albeit temporary. Such a piece of plastic did not bother me at all at that moment (2016). I was pleased with the very informative and understandable online banking. I can quickly reach the operator for consultation, as well as on other issues. I realized a long time ago that it is strictly forbidden to withdraw cash using a credit card, because then you will lose the grace period. Yes, and you will have to pay extra interest, and large ones at that. I try to take care of the card, since replacing it will cost extra money. I like this credit card. I understand everything, and I always use it carefully and judiciously.

If you withdraw cash, then, of course, the interest will be huge! This needs to be understood from the very beginning. I was somehow wrong about this myself. I already wanted to drop everything and close it. But such a card still greatly helps to cope with financial difficulties! After several successful repayments, they sent me a card with an increased limit to 30 thousand. The bank behaves culturally, for which I love and appreciate it! I plan to continue to collaborate with him, because there is no point in looking for something new.

Some time ago I paid off a consumer loan to the bank. After some time, I was able to get a very good credit card from them. Thank you for sending it to me by mail, as it saved me from a rather long trip. I contacted the bank to help me activate the card itself. Everything was done right by calling the hotline. The only thing that confuses me a little is how much it costs to withdraw cash from it. everything else is quite acceptable. Therefore, I use the card for various needs, but I do not withdraw cash from it.

The Russian branch of OTP Bank is a member of the OTP financial group (OTP Group), which is a leading player in the banking segment of Central and Eastern Europe. A banking institution on the territory of the Russian Federation provides a full range of banking and financial services for both private (individual) clients and legal entities.
OTP Bank actively promotes such a profitable product as plastic cards, because today almost every person uses it.
We also recommend considering the possibility of obtaining a cash loan from OTP Bank. You can submit your application right here:

1. Belonging to the global payment system.
2. Credit limit.
3. Plastic card status.
4. Possibility of using a grace period.
5. Annual interest rate for using credit funds.
6. Composition of the package of documents required when applying for a card.
7. Bank requirements for a client wishing to purchase a card with a credit limit.
8. Daily and monthly limits on cash withdrawals.
9. Commission for cash withdrawal.

Distinctive features of OTP Bank credit cards.

1. The bank's product line of credit cards is narrow and is represented by only two types: classic and gold status.
2. All security of card payment transactions is ensured by the global payment system MasterCard.
3. SMS notifications are sent for card transactions, which helps control the debiting of funds from the card.
4. The choice of card currency is carried out at the request of the client and his needs (when submitting an online application to OTP Bank, you must indicate the currency)
5. The credit maximum for a card product of any status is possible up to one and a half million rubles.
6. Loan funds can be used for up to 55 days without paying interest.
7. OTP Bank credit card works as a virtual electronic wallet for making payments on the Internet.
8. Cash withdrawals are possible at millions of ATMs around the world.
9. There is no need to declare funds on cards when traveling abroad.

Documents required for registration OTP Bank credit card.
At OTP Bank, a client can apply for a loan in two ways:

• only by passport,
• upon provision of a complete list of documents (passport, a second document of your choice (pension insurance certificate, TIN, driver’s license, income certificate)).

Requirements for a potential client wishing to apply for an OTP Bank credit card:

• citizenship of the Russian Federation,
• permanent registration in the region where the bank branch is present,
• age from 21 to 55 years for women and 60 years for men, entrepreneurs from 25 years old,
• receiving official income for at least three months and a permanent place of work,
• positive credit history.

Types of credit plastic cards at OTP Bank and their conditions.

MasterCard Standard rubles classic 1,500,000 29.9 (for one document), 24 (for a full package of documents) 600 rub. 55 daysMasterCard Gold rubles premium 1,500,000 29.9 (for one document), 24 (for a full package of documents) 1,800 rubles. 55 daysMasterCard Gold for businessmen rubles premium 1,500,000 29.9 (providing financial statements is not required) 1,800 rub. 55 days

Possibility of applying for a credit card using only one document.

This opportunity to receive a credit card using one document is provided at OTP Bank.
You can open and use a credit product only by presenting your passport. With this type of registration, the credit limit is also possible up to 1,500,000 rubles, and the annual rate will be from 29.9%.
In this case, to determine which is more profitable, We recommend that you familiarize yourself with the conditions of other banks:

Tinkoff credit card

Alfabank credit card with 100 day grace period

Application for a Kviku credit card

Registration and receipt of plastic for people engaged in business.

It is often difficult for a businessman (entrepreneur) to obtain a credit bank card for himself, since financial institutions put forward quite strict requirements for such a borrower and for the list of documents and reporting provided. At OTP Bank, to obtain a card with a credit limit for business representatives, it is not necessary to provide financial statements or guarantors.

Features of the grace period for OTP Bank credit cards.

The period exempt from interest payments on OTP Bank credit cards is valid only for non-cash payments for goods or services. The grace period is renewable and begins to operate from the date of card activation, regardless of whether the client used preferential conditions in the previous month or not.

- one of the leading banks in the lending segment in terms of the number of clients and variety of services.

A credit card is a payment instrument that allows you to use an organization’s finances for a fee. OTP offers a wide range of products to choose from depending on the needs and solvency of the client. In addition, borrowers are given the opportunity to apply for an online credit card on the OTP Bank website without leaving their home. To do this, just fill out the form and send a request on the official portal.

In this article:

What credit cards are available at the moment?

In 2019, OTP Bank presents to customers 4 types of credit cards.

Big cashback

This card is different from others increased 7% on some categories of purchases:

• trips(train/air tickets, toll roads, hotels, car rental and other means of transportation, Duty Free purchases);
• auto(purchase of a car, repair, washing, refueling and purchase of auto parts);
• repair(materials, accessories for housing, furniture, plumbing, payments for the work of specialized companies, purchase of electronics, computers and mobile gadgets);
• shopping and beauty a (clothing, shoes, accessories, gym, beauty and massage salons, atelier);
• entertainment(restaurants, coffee, cinema, theaters, museums, amusement parks);
• family(hypermarkets, goods for children, pharmacies, clinics, housing and communal services).

In addition to high cashback, there are other advantages, these are: free service, contactless payment and credit limit - 1 million rubles. In addition, if you store your own funds on the card, interest is charged on the balance. Cashback is available on all other non-category purchases 1 % . Interest on the use of credit funds – 24,9 .

Lightning

With this credit card, in addition to standard functions, the bank provides cashback of up to 3% on purchases. up to 55 days. The percentage for the use of provided funds is 27.5%. The cost of service per year is 0 rubles, transfer from card to card and replenishment on the official portal is free.

Up to 6.5% can be charged on the balance of personal funds, and discounts of up to 30% are also available from Master Card partners. For non-cash transactions over 100 rubles, each client is paid 1.5%. The maximum credit limit is 300 thousand rubles.

Understandable

Positioned as no commissions, free service, cash withdrawals and SMS notifications. The interest for using credit money is from 27.9%. The grace period is 55 days, but it only applies to non-cash purchases. The credit limit is 300 thousand rubles, the daily limit for cash withdrawal is 45,000 rubles. A huge advantage is considered to be a large network where you can withdraw cash from a credit card.

The bank has two tariffs, one for those who make purchases online, the other for withdrawing money from an ATM. The rate for cash withdrawal is 39.9%. The minimum payment is determined by OTP individually.

MasterCard Gold for bank borrowers

The percentage for using OTP money is from 19.9%. The cost of the first year of service is 0 rubles, starting from the second – 700 rubles.

This card is suitable for those clients who have several payments left on their existing loan, or who closed a non-targeted loan no more than three months ago. Credit – up to 1,500,000 rubles, daily limit increased to 50,000 rubles. Grace period – 55 days. Commission for cash withdrawal is 3.9% (but not less than 350 rubles). The client can reduce the loan rate if he provides the bank with an income certificate, work book and other required documents.

Would you like to receive a credit card from OTP Bank?

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Conditions of receipt

Anyone can apply for a credit card, but to receive a positive response, an individual must be solvent and meet other bank requirements.

Often in a financial organization, clients are divided into groups:

• those who receive salaries on an OTP card;
• employees of partner organizations;
• members of the management team of corporate clients;
• employees in the budget segment;
• new clients.

Depending on membership in the group, lending conditions change. Usually the rule works: the higher the status, the more loyal the conditions and the simpler the registration.

OTP takes a responsible approach to checking the borrower's place of work; if the company has a small turnover and debt to the Federal Tax Service, it does not pass the security check. Lack of credit history can also be a reason for refusal to issue a card. Within 4 months after contacting the bank, employees can change their decision and issue cards with an individual limit.

Requirements for the borrower

In order to apply for a credit card, you need to complete a financial organization, some of which you can influence and improve yourself.

In addition, for a positive result, the client must provide the required documents to the bank. In most cases, passport data is enough for registration, but sometimes employees require additional certificates.

Minimum credit card payment calculator

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Documentation

To apply for a credit card, you need at least an identity document - general civil passport of a Russian citizen. But usually, the more personal data the borrower provides about himself, the higher the likelihood of approval and improvement of loan conditions.

OTP Bank requires from its potential clients a passport and one more document to choose from:

• international passport;
• driver license;
• SNILS(compulsory pension insurance);
• TIN (tax registration certificate).

With this design, the client can count on a small amount. To receive larger funds (from 200,000 rubles) and a minimum loan rate, you need to submit additional documents to choose from:

• information about the company’s TIN, certificate 2-NDFL for the last three months;
• income certificate according to bank form, certified by the employer for the last 3 months;
• notification about the status of an individual personal account.

Registration process

There are four ways to apply for a credit card:

Consideration of the application may take time up to 10 working days, it is recommended to periodically call the call center and clarify information. After a positive response from the bank, the credit card will be produced and handed over to the client. The entire process from submitting an application to activation may take up to 30 days.
You can receive the manufactured plastic during a personal visit to a branch or retail outlet, by mail or by courier.

Activation

After receiving a credit card, you won’t be able to use it right away; first you need to activate it. This is done in the interests of the client for security reasons.

Card activation is completely free, if you do not use credit funds, interest and commissions are not accrued. There are two ways to activate your credit card:

1. Upon receipt at a bank branch the operation is carried out by an OTP employee upon issuance.
2. Call the hotline. To activate, the operator needs to provide passport data, a code word and other information if necessary. After verifying the information received, the client receives access to credit funds.

Unfortunately, you cannot activate your OTP card via the Internet. For further use of the card, a four-digit password is required; you can obtain it at the branch, from the operator on the hotline, or come up with it yourself, and then report it to the call center.

Limit:

up to 15,000,000 rub.

Bid:

Age:

Service fee:

0 rub. in year

OTP Bank is a subsidiary of the Hungarian holding company OTP Bank, which specializes in providing banking services. Operations in Russia began in 1994, but the first consumer loan was issued only in 2003. Since then, the active development of the organization began, partly through the merger of existing credit companies.

Today OTP Bank is present in more than 3,700 localities in Russia. The company's head office is located in Moscow, with branches located in 6 largest cities in the country - Omsk, Samara, St. Petersburg, Khabarovsk, Gukovo and Chelyabinsk. Banking services are actively promoted through points of sale: at the moment, almost 28 thousand service points are open in electronics hypermarkets, furniture stores, jewelry boutiques and numerous stores.

The bank's services can be used by both corporate and private clients. Corporate clients have access to payroll projects, current account services, deposits, factoring and much more. Individuals can apply for an OTP Bank credit card, make deposits, receive a cash loan, order a debit card and much more.

The company’s credit rating is ruA with a “Stable” forecast, according to the Expert RA agency. Financial indicators show active growth. In 2017, OTP Bank took 31st place in the country in terms of net profit and 52nd place in terms of equity capital.

Types of credit cards

The bank offers 3 tariff plans for ordinary clients and 1 tariff for participants in salary projects and regular clients of the organization. All cards have excellent conditions, which you can familiarize yourself with on the website and choose the optimal tariff that suits your needs and tasks.

Home

The bank's standard offer, which can be used by all categories of borrowers. The tariff provides a credit limit of up to 300 thousand rubles and a bonus program with the possibility of returning money from each purchase.

• minimum loan - 10,000 rubles;
• maximum loan - 300,000 rubles;
• rate charged on the amount of debt - from 24.9% to 49.9% per annum;
• preferential lending period - up to 55 days;
• maintenance - 1,600 rubles from the second year;
• cash receipt and limits - commission 4.9% + 399 rubles. The maximum daily withdrawal amount is 45,000 rubles.

Lightning

A convenient credit card that is suitable for daily use and storing personal funds. If you have your own funds in the amount of 5 to 200 thousand rubles, interest will be charged on the balance. In addition, you can get cash back when using plastic.

• the amount of the loan provided is from 10,000 to 300,000 rubles;
• % rate on non-cash transactions - from 19.9% ​​to 34.9%;
• % rate on cash transactions - from 49.9% to 59.9%;
• accrual of interest on the borrower’s personal funds - up to 7% per annum for amounts up to 200,000 rubles;
• interest-free loan for purchases - 55 days;
• maintenance is free for the entire period of using the card;
• withdrawal of credit funds and restrictions - 2.9% + 290 rubles. You can withdraw up to 45,000 rubles per day.

Understandable

A credit card with the simplest and most favorable lending conditions. Plastic is ideal for cashing out a limit, since the tariff does not provide for an additional commission for the operation, unlike other bank offers. Issued in the gold category, by the MasterCard payment system.

• revolving credit line - from 10,000 to 300,000 rubles;
• annual rate applicable to all types of transactions - from 27.9% to 42.9%;
• duration of the interest-free period - up to 55 days when paying for goods;
• maintenance - no fee;
• commission for withdrawing the credit limit and restrictions is 0%, per day you can withdraw up to 45,000 rubles towards the loan.

Retail for bank clients

Only current clients who receive a salary from the bank, have a deposit or have taken out a consumer loan can submit an online application for an OTP Bank credit card with an instant decision and a limit of up to 1.5 million rubles. In addition to the increased limit, the tariff provides for a minimum rate of 19.9% ​​per annum.

• approved credit limit - up to 1,500,000 rubles;
• the rate when making non-cash payments is 19.9% ​​per annum;
• rate for withdrawal of credit funds - 39.9% per annum;
• credit conditions without accrual of interest - up to 55 calendar days for purchases;
• maintenance - 700 rubles from the second year;
• withdrawal limits per day - 10,000 rubles.

All credit cards have a fee for SMS-info. For gold credit cards and the “Home” card – 59 rubles per month, for the “Molniya” tariff – 79 rubles per month.

Conditions of registration - requirements and documents

Clients who are satisfied with the conditions for OTP Bank credit cards can submit an application online. To do this, you must answer all questions honestly and attach the necessary documents. You also need to meet the requirements of the credit institution. It cannot be said that OTP Bank is loyal to borrowers, since the criteria for selecting applications are quite serious.

Who can count on receiving a credit limit?

• the borrower is over 21 years of age and under 69 years of age;
• citizen of Russia with permanent residence permit in the Russian Federation, in the region where the OLP branch is present;
• an officially employed person with a minimum length of service in the last position - from 3 months.

To obtain a credit limit of up to 200 thousand rubles, the borrower will only need a passport. To receive a loan of more than 200 thousand rubles, you must confirm your income. This can be done using a 2-NDFL certificate or in free form.

OTP bonus programs

Cash back

Cash back is a small return on the money spent when making purchases. This is exactly the type of bonus program provided for bank cards. The amount of charges depends on the specific tariff.

• on the “Home” card - 3% of the amount of purchases in supermarkets, but not more than 2,000 rubles per month;
• on the Molniya card - 1.5% of the amount of purchases made using the borrower’s credit or own funds. The maximum amount is 2,000 rubles per month. During the first month, when purchasing an amount of 2,000 rubles or more, 300 rubles are returned to your account.

The “Understandable” tariff does not offer loyalty programs for bank clients.

Premium service

If you are used to special treatment and are not ready to sit in queues or wait more than 20 seconds for an operator to respond, Private Banking is suitable for you. Clients are offered 2 packages of services - “Premium” and “Exclusive”.

Services included in the premium service:

• Deposits on individual terms. The bank has developed several programs to preserve and increase clients' capital. Rate - up to 8.68% per annum when placing financial funds for a period of up to 225 days.
• Investment programs. Deposit conditions not suitable? Then you have the opportunity to invest your free funds in mutual funds.
• Lending. Attractive services are provided for all types of loans provided by the bank.
• Premium plastic cards. Possibility of issuing credit cards of the MasterCard payment system of the World Elite and Platinum categories. Thanks to this, you will be able to enjoy all the benefits of premium status.
• Preferential rate for conversion operations. Do you frequently convert funds? The bank is ready to offer a preferential rate to save your money.
• Collection. Are you afraid for the safety of your belongings or money? You have access to special rates for collection in Moscow and the region.
• Additional cards. According to the terms of the offer, you can issue several additional cards for your loved ones.

Customer opinions

Is it worth applying? Advantages and disadvantages

• Good line of credit. At standard rates, you can receive up to 300 thousand rubles with the presentation of a certificate of income or up to 200 thousand without proof of income.
• Submitting an application online. You can apply for plastic through the website by filling out a form and submitting an application for consideration.
• Low interest rate. If you make mandatory payments within 6 months without delays, the bank can reduce the interest rate on purchases to 19.9% ​​per annum.
• No service fee. For some credit cards, the service cost is 0 rubles.
• Accrual of % on the balance. With the Molniya card, up to 7% per annum is accrued on the borrower’s personal funds stored in the account, subject to all conditions being met.
• Cash back. Two tariff plans provide for a refund of spent funds in the amount of up to 3% of the purchase amount.

• High rate when withdrawing cash. According to the terms of lending for cash withdrawal, there is an increased rate, which can reach 59.9% per annum;
• Paid information. SMS notifications for all tariffs are paid, the cost varies from 59 to 79 rubles per month.
• Withdrawal fee. With only one tariff, cash withdrawals will be free; for other cards, the commission will be up to 4.9% + 399 rubles;
• Withdrawal restrictions. The maximum amount that can be withdrawn per day is 45 thousand rubles.
• Conditions for providing an interest-free period. The grace period does not apply to cash withdrawals.

Taking into account all the features, OTP credit cards are an interesting financial instrument with which you can earn money and receive bonuses. If all terms of the contract are met, the use of plastic can be very beneficial for the borrower. On the other hand, when withdrawing cash, you can overpay a considerable amount.

Nowadays, a banking product – a card with a credit limit – is becoming increasingly popular. In other words, the card account has a certain amount of money that the cardholder can use for any purpose at his discretion.

For such an opportunity, the bank accrues interest and charges the established fee for servicing the card account. Typically, its validity period is three years. After the account expires, you should contact the banking institution to replace it with another one.

In terms of the number of clients, OTP Bank is among the 50 largest banking institutions in Russia. In terms of the number of loans issued, it is among the first thirty. The bank provides a large number of loan products to clients. Among the most popular credit cards:

1. “Home card”, payment system – Master Card. It is used when shopping in stores every day. After payment, 3% of the purchase amount is returned to the card. For the first year of using the card, the client pays nothing. Subsequently, you must pay 1,600 rubles per year for account maintenance. An interest rate of 24.9% per annum is charged on the funds used. The grace period for use when no interest is charged is 55 days. The amount of credit that a client can use is determined by the banking institution individually in each case. The maximum amount cannot be more than 300,000 rubles.
2. "Lightning". The interest rate on this card account starts at 19.9%. The positive characteristics of this card include: no fee for use in the first year. 7% profit is credited to the client’s account balance. Master Card partners provide discounts of up to 30%, instant cash back equal to 1.5%. The duration of the grace period for using the loan and its maximum amount are the same as in the previous product.
3. “I understand.” A gold card with a limit set at 1.5 million rubles. The advantages of this product are: no maintenance fee for the first year and privileged status. The loan accrues quite significant interest - from 27.9% per year. But this credit card provides the opportunity to withdraw funds without commission at ATMs of all banks, including those located abroad.
4. "For clients". Credit card of the Master Card payment system. Only those clients who have an outstanding loan from OTP Bank have the opportunity to become its owners. In addition to them, persons who have paid off a loan from this bank no more than 3 months ago can receive this card. There is no fee for the first year of using the card; thereafter you will have to pay 700 rubles per year. The loan carries an interest rate of 19.9%. The advantages of this credit product are: a large credit limit, which reaches an amount equal to 1.5 million rubles, the ability to withdraw money from ATMs without commission both in Russia and abroad, participation in bonus programs of the payment system.

The grace period for loan payments applies exclusively to non-cash payments for the purchase of goods and services. If you receive cash, there is no grace period for the loan. Interest will begin to accrue from the moment funds are withdrawn from the card account.

In addition to the opportunities listed above, all credit card holders can take advantage of the following services:

1. Free use of OTP Direct Internet banking. The client has the opportunity to make payments and transfers to other cards. Receives information about the next loan payments.
2. Carrying out loan payments and other transactions using a mobile application.
3. Receiving information in the form of SMS notifications about the movement of funds in the account.
4. Receive advice via a telephone hotline. Using this service, you can block a card, check the account balance, and find out information on how to top up.

Conditions for obtaining a loan

To receive a loan, the borrower must meet certain bank requirements. To receive a credit card, the client must meet certain conditions:

• provide the necessary documents. As a rule, this is a passport, a copy of a work record book or a certificate of income;
• The borrower's age is from 21 to 69 years;
• having a permanent place of residence and permanent registration in the region in which there is an OTP bank branch;
• there must be a constant income. The time spent at the last job must be at least 3 months. Otherwise, you must have another source of funding (scholarship, pension or other income);
• positive credit history.

To obtain a credit card, you must contact the OTP Bank representative office with a set of required documents.

Registration procedure

There are four options for completing an application for a credit card:

1. Apply for a card online. But not all cards can be ordered this way.
2. Call the hotline, order a card and provide the requested data.
3. By contacting bank branches located in shopping centers.
4. Visiting the bank. This option is mainly available to residents of large cities.

Activation options

You will not be able to use the card immediately after receiving it, since it must first be activated. It can be done:

• if received from a bank, directly from the institution’s employees;
• by calling the telephone hotline. Certain personal information will need to be provided. If all the information matches, the operator will provide access to credit funds.

The OTP Bank credit card activation service via the Internet is not provided.

To use the card, a PIN code (four-digit number) is required. You can get it:

• at the place where you received the credit card;
• from a telephone hotline operator;
• come up with it yourself and then tell the operator.

Advantages of OTP Bank loan products

Borrowers of a credit institution note the positive aspects of OTP Bank credit cards:

• free or for a relatively small fee service;
• a significant period of interest-free use of the loan;
• large limit of funds on the card;
• cash back and participation in bonus programs;
• the ability to cash out money, in certain cases, without commission;
• issuing a card remotely;
• the minimum package of documents required to issue a credit card.

OTP Bank is a reliable banking institution that operates successfully in the Russian financial market. The main direction of its functioning is targeted loans offered in shopping centers. But credit cards are also popular.