Can I withdraw money from my credit card without commission? Credit cards: reviews

Almost everyone now has in stockcredit card, so to speak "just in case." This is a convenient bank tool for paying for purchases in both ordinary stores and online resources. Is it possible to withdraw money from a credit card without paying interest for it?

Why do we need interest?

Any financial institution will never bework at a loss to yourself, therefore, creating credit products even on the most favorable terms for the client, the bank will not offend itself. What are the commissions and interest for using cards?

First, ATM servicing and paymentrent is not cheap, so many banks charge for the withdrawal of money, interest, and in some organizations they can reach about 10%. Secondly, issuing and servicing the card also requires money from the bank, so usually a financial institution takes a commission either for issuing a card or for servicing it in the form of a monthly or annual fee.

But these nuances banks compensate for the fact that the percentage is not taken when paying for purchases or housing and communal services, as well as for transactions in online stores and when paying for mobile.

In addition, all banks offer interest-freeperiods of credit card use. They can range from 50 to 100 days. If the debt is repaid within the prescribed period, the bank does not charge the commission for using the money.

But still, can I withdraw money from a credit card?

How to cash out

For cashing money from a credit card, the bank can take interest, and considerable. But there are some tricks, knowing which, you can withdraw money without interest.

Everyone is familiar with electronic wallets "WebMoney","Yandex.Money," "Kiwi," and so on. It is through them that you can cash a credit card. For the transfer of small amounts, of course, and the bank will withdraw interest, and the service will take the commission. But here since 3000 rubles you can withdraw money from a credit card without commission.

The only payment system in any casewill take its interest when the money is withdrawn from the electronic wallet. But here it is already worth considering whether to give 0.8% (commission of payment systems), or from 3 to 7% (bank commission). The interest for withdrawing cash from a credit card itself depends on the conditions of the bank.

But by withdrawing money from a credit card,the client of the bank should remember that in this case the grace period will not function and you will have to pay as for a normal loan. Credit cards, reviews about which are mostly positive, since it is an indispensable assistant in the absence of own funds, should be used wisely, so that then you do not have to pay off big interest.

Bank offers

Consider how to withdraw money from a credit card of various banks.

Some tricks

For those who constantly use a credit card, the question "can I withdraw money from a credit card" is quite relevant.

And it seems that such users have come up with some tricky ways how to avoid large commissions and interest for cashing cash.

Here are some of them:

1. Buy any item in the store.Under the law on consumer rights, the goods can be returned within two weeks without any explanation. Having paid for the goods by credit card, the refund of the amount can be made in cash. Thus, the interest for the purchase is not withdrawn, and after a while there is cash in your pocket.
2. Make a purchase in an online store.When paying for a credit card, the bank does not withdraw interest. After a while, you can cancel the order and request a refund to the debit card. But in this case it will take up to five working days.
3. Offer a friend a credit card forpurchases. In this case, a friend or an acquaintance of a credit card holder pays for his purchase by means of a proposed credit card. Accordingly, the cardholder receives cash in an equivalent amount.
4. Payment of mobile phone.Replenishment of a mobile account from a credit card occurs without interest. Then you can withdraw this money to a regular card. But here you need to remember that the mobile operator can take interest for their services. It turns out that with the credit card the money will go without a commission, but the operator will have to pay.

In addition to these tricky methods, there are probably other options, how to withdraw money from a credit card with a minimum interest or even without it, but nothing is known about them yet.

Terms of registration

When making a card from the bank manager, it is better to clarify whether it is possible to withdraw money from a credit card and what percentage will be charged for it so that there will be no surprises later.

Conditions for issuing credit cards are quite simple:

• The borrower can visit the office of the bank or fill out an online application for a card.
• The borrower's age must be from 21 to 70 years.
• It is necessary to have a constant income.
• The borrower must have a residence permit in the region where he takes the card.
• It is necessary to provide the documents requested by the bank. Usually this is the passport and the second document proving the identity. If the amount on the card is large, the bank can request a certificate of income.

In general, as can be seen from the requirements, they are similar to those that are presented in the preparation of any loan.

Reviews

Credit cards, about which the mostdiverse, are very popular. Clients of banks say that this is an excellent assistant in those situations when money is needed urgently, and it is still far from the salary.

The grace period, whichprovides each bank. It turns out that money can be used without paying a commission. If you want, you can withdraw the money, but here you need to take into account the percentage for this process.

Since the most recognizable and widespreadthe bank is now Sberbank, then, respectively, the clients of this bank raise questions: does Sberbank make it possible to withdraw money from a credit card? Interest for the service? Does the grace period after surgery?

According to reviews, you can answer that thisthe financial organization allows you to withdraw money from credit cards, and also transfer them to electronic wallets. In the first case, the commission will be from 3% and the grace period will not work, in the second - if the sum is above 3000 rubles, the percentage is zero and the grace period remains.