Credit cards with instant decision. Credit cards with instant decision Applications for loans and credit cards

If there is no grace period, interest on the amount owed is charged from the moment the money is used (or withdrawn) until the debt is repaid. Paying off the debt renews the loan for the same amount, and the client can use the credit card funds again. To continue using the card without penalties, you must meet one condition every month - make no less than the minimum loan payment.

In 2019, you can order online and take a credit card from almost any bank in Moscow. It allows you to pay for goods and services in many stores not only in Moscow, but throughout Russia, abroad or via the Internet. For credit card holders, Sberbank, Tinkoff, other banks and sellers regularly organize special discounts, increased cashback and bonuses. Along with this, international cards make it possible to receive funds in almost every corner of the world and at any time. But if you need a large amount, it is more profitable to take a consumer loan in cash in Moscow.

For the convenience of using a credit card, Sberbank and other banks not only allow you to fill out an online application and order a credit card, but also provide their clients with additional online services. For example, mobile banking allows the owner to receive information about the balance on credit cards, block or unblock it, and also be aware of new services. In addition, this includes online statements, e-mail statements and some other options.

What is the most important thing when comparing and choosing a credit card in Moscow banks?

If you decide to order and apply for a credit card online or apply at a bank branch, be sure to pay attention to the following:

• duration of the grace period;
• interest rate after the end of the grace period;
• the size of the credit limit and the possibility of increasing it;
• the amount of commission when withdrawing funds abroad and using an ATM in Moscow (or another city);
• type of payment system - Visa, Maestro / MasterCard or World.

Credit cards are issued based on your passport, without guarantors. You will need a Russian passport and a second document of your choice: a driver’s license or international passport, a pension insurance certificate, a tax registration certificate or a military ID (for persons under 27 years old). A certificate of income confirmation often allows you to reduce the interest rate on a credit card.

Passport credit cards with grace period

A credit card solves recurring financial issues with minimal losses. The offers of some banks (for example, Alfa-Bank and Tinkoff Bank) provide for a grace period during which interest for use is not accrued.

The main advantage of such cards is the speed of registration. There are other quite significant advantages of using credit cards. For example, to complete them, a potential borrower will need a minimum set of documents. The application can be submitted online on the official websites provided above. We also recommend that you familiarize yourself with our monthly credit card ratings, based on ratings and reviews from real customers.

Security of funds and payments

All banks presented in our rating provide guarantees of the safety of funds. A lost card can be restored. If you have not shared your PIN code with anyone, you can be 100% sure of the integrity of your funds. Whichever of the offered cards you choose, your payment history can be tracked in your Personal Account. Now you have every penny under control!

Is it possible to save money?

Banks recommended by our service often hold various promotions, develop bonus programs, and collaborate with retail chains. When paying by card at some points, customers are entitled to a refund of part of the money spent, the so-called Cash Back system.

When applying for a credit card, please note that some banks have an additional fee for delivering the card by courier. Therefore, before using such a service, it is worth finding out whether it is free.

To apply for and receive a credit card, it is not always necessary for a bank branch to be located in the locality in which you live or are registered. Some commercial structures refuse under this condition, others provide the products you are interested in. Receipt is possible in two cases.

1. If the bank creates its own service regions that do not correspond to the borders of the constituent entities of the Russian Federation. Often assigning several cities to a branch located in another locality. For example, this practice can be found at Vostochny Bank.
2. With a remote business model. In particular, it is used in Tinkoff Bank and Touch Bank. These commercial structures do not have inpatient departments at all. Credit cards are issued online and delivered by mail or courier to almost any location in the Russian Federation.

Do I need to activate my credit card after it is issued?

The specific answer will depend on the individual bank. In practice, there are three options for activating a credit card.

1. Runs automatically upon receipt of a plastic payment instrument. That is, the client does not need to do anything on his own. The procedure is often carried out by an employee of a commercial structure after issuance. Borrowed funds can be used immediately. More rarely, after a couple of hours after receiving the credit card.
2. Self-activation. The client must take certain actions to be able to use the credit limit. Mainly on the bank’s website, or at its ATM or self-service terminal. Both of these options are equally common in Russian commercial structures.
3. Complex application of the above methods. Upon receipt of the card, the client himself chooses whether to activate it personally at a convenient time, or to have this procedure performed by an employee of the commercial structure. Used, for example, in Tinkoff Bank.

If I get a credit card with a small limit, will it be possible to increase it later?

An increase in the credit limit, if it is less than the maximum allowed under the bank’s program, is possible. At the same time, it is worth considering that this procedure can be performed in one of two ways. The one applied is determined by the internal standards of the commercial structure.

1. Automatically. The bank independently evaluates this possibility. If available, offers the client to increase the limit. The credit card holder cannot initiate this action, for example, upon application. Active use of the limit without delays is the client’s only way to influence a further increase in the volume of available borrowed funds. Although this is not a guarantee of receiving an appropriate offer from the bank. This approach is the most popular. Used, for example, by Sberbank, Post Bank, Tinkoff Bank.
2. Upon personal request from the card holder. Often with a statement at the department. For example, it is used in Citibank. Before applying, you should pay attention to two additional requirements that may be put forward to increase the limit. Firstly, the minimum period for using a credit card. If you have it for a couple of weeks, then no one will change the limit. Secondly, the need for documentary proof of income. You often have to prove to the bank that your salary has increased and your creditworthiness has increased.

A credit card is a unique product that allows you to reuse credit funds at any time convenient for you and combines many advantages from a grace period to all kinds of bonuses and privileges.

What to look for when choosing a credit card?

Credit limit and interest rate. Not all banks are ready to provide a high limit on their cards; borrowers who have a high and stable income or a good credit history with the bank that issues the card can get it.

The interest rate is affected by the number of documents provided; the more documents there are, the more favorable the conditions will be. Of course, you won’t be able to get a credit card at a low interest rate by providing one document. It is advisable to prepare 2-3 documents and a certificate of income in advance.

Grace period. First of all, you need to look at what transactions it applies to; most often it only applies to non-cash payments for goods and services. For credit cards marked “For cash withdrawal”, the grace period applies even when withdrawing money from an ATM. The Bank of Moscow, AK Bars Bank and Alfa Bank have such offers, so if you are going to use cash, it is better to contact one of these organizations.

Note! Non-cash payment is always more profitable, since banks charge a commission for cash withdrawals, on average it is equal to 4-5% of the transaction amount.

Annual maintenance cost. If you do not plan to use your credit card often, you do not need a high credit limit and various privileges, it will be better to take a credit card with free service. Citibank “Simply credit card” and SKB Bank (Zapaska card) have such offers.

It is also important to make sure that there are no additional fees. This could be a fee for issuing and re-issuing a card, for repaying a debt in a certain way, for additional services (for example, SMS information).

Selecting a card

Taking into account our recommendations, you can select several credit cards that suit you in 10-15 minutes. Use the selection to weed out unnecessary offers, and then compare the remaining ones with each other using the comparison function.

Proposals that have passed a strict selection process suit you according to the main parameters; now you can proceed to filling out an online application. Today, banks provide individual conditions for each borrower, each bank has its own list of requirements, the more you meet it, the more favorable the conditions will be.