Credit card with a grace period today offerseach bank. But most of them provide 60 days for interest-free use of the loan. However, there are products on the market with more interesting terms of service. One of them is a credit card "100 days without interest". Alfa-Bank offers interesting conditions for customers.
Credit cards are provided with a period of time,during which the client can use borrowed funds without paying interest on certain conditions. The main one is to close the debt until the end of the grace period. Otherwise, the bank will charge interest.
It is also very important to pay attention to whichit is operations that extend the grace period. Usually it is only a non-cash payment for goods. In the event of withdrawal of cash from the card, the grace period is reset.
The calculation algorithm is also very important.A grace period of up to 120 days does not at all mean that the client can use the whole amount today, but return the debt in three months. The exact time depends on the date from which the calculation of interest begins. Grace period does not cancel the obligation of the borrower to make a monthly payment.
Let us consider in more detail how the Alfa-Bank card "100 days without interest" differs from other similar products on the market.
Grace period applies to all types ofoperations, including the withdrawal of cash from the ATM. A three-month grace period is paid only to traditional credit institution cards. This condition does not apply to co-branding cards and cards that support non-contact payment technology. For such payment instruments, the grace period will be 60 days.
On the card there is a mandatory payment inthe amount of 5% of the debt, but not less than 320 rubles. To transfer money to the account you need every month during the payment period. It starts with the number of the contract and lasts 20 days.
The countdown of the interest-free period begins withthe day after the first purchase. After 100 days, you need to pay all your debts to a penny. If this requirement is violated, interest will accrue, and the next grace period will not begin.
Conditions, interest credit card "100 days" let's consider in more detail:
Where is the “100 days without interest” card issued? Alfa-Bank offers its customers to issue a regular or preferred card in the branches of a credit institution. How to do it:
Additionally, the following services can be connected:
Card "Alfa-Bank" with a grace period of 100 daysissued to customers over 21 years old. A potential borrower must have a monthly income of 9 thousand rubles. and work on the last job at least 3 months. Also, he must have a local registration.
Interest rate is calculated separately foreach client and depends on the documents of the borrower and credit history. The presence of a certificate from the place of work, a technical passport for a car, a foreign passport with a mark about a recent trip abroad, a VHI policy significantly reduce the percentage. An application for a credit card is issued in the presence of at least two documents, one of which must be a passport of a citizen of the Russian Federation.
To better understand how Alfa-Bank’s “100 Days Without Interest” credit card works, let's take a closer look at the following scheme.
Suppose a contract with a client was concluded 22November Monthly number 22 will be the reporting date. After 6 days, that is, on November 28, the client paid for purchases at the store with this card. The grace period starts from 29 and will last 100 days, that is, until March 9.
In a month - on December 22 - the client will receiveSMS notification, which will indicate the amount spent. The next 20 days are allocated to make a mandatory payment (until January 11). Suppose the funds were credited to the account on December 28, but they covered only part of the amount owed to CJSC Alfa-Bank. Visa card with a grace period of 100 days continues to operate on concessional terms. If the client has time to pay off all the debt before March 9, then one grace period will end and another will begin. If the entire amount of the debt is not paid in a timely manner, interest will begin to accrue.
Where and how to find out the amount, date of payment?You can find out the amount of the debt at any time from the statement received in the Internet bank, through the mobile application, in the branch of a credit institution, from an employee of the call center.
Рассмотрев детально все нюансы использования plastic, to summarize, do you really need a credit card "100 days without interest"? Alfa-Bank offers an interesting payment tool. Three months of preferential use apply to all types of operations. Advanced users can manage their account directly through the Internet bank: check the balance, look at the statement, transfer funds, repay a loan. Those who are “on you” with the Internet can connect the SMS information service and receive the same account statements directly to the phone.
There is another big advantage thathas a card "100 days without interest." Alfa-Bank offers clients several ways to pay off their debts: by bank transfer from any account, by depositing cash through a bank cash desk, ATMs, Eleksnet terminals, CONTACT, Rapida, and City systems. To make a transfer, you only need to specify the card number and full name of the recipient.
There is only one drawback of the card."100 days without interest." Alfa-Bank charges a monthly fee for SMS and online banking. Most credit institutions provide these services free of charge or for a symbolic payment.
Максимальную отсрочку по оплате процентов (до 200 days) offers Avangard on credit cards Visa and MasterCard. Any new client can receive it, as well as one that has never used an overdraft. Monthly payment is 10%. If before the 19th day of the seventh month after the withdrawal of funds in the account there is a debt, then interest will accrue for all days of using the loan at an increasing rate of 24%. The maximum limit is 150 thousand rubles.
«Промсвязьбанк» по «Суперкарте» предлагает 145 days preferential use of plastic. The offer is relevant only for new customers and only for the first transaction. All subsequent will be calculated on the basis of 55 days. Grace period begins with the release of the card. Upon completion, the rate increases to 34.9%. The maximum credit limit is 600 thousand rubles.
All further reviewed cards are provided with a grace period of less than 100 days. But each of them is interesting to the client in its own way.
"Rosbank" issues an iGlobe card, according to which62 interest-free days are provided. With this payment tool you can book travel services through the iGlobe service without being tied to airlines. The credit limit ranges from 300 thousand to 1000 thousand rubles.
According to the “Lukoil-Uralsib” card, not only is providedGrace period of 60 days, but the first year of service is provided as a gift. When refueling at the gas station "Lukoil" there is a loyal discount system. The standard rate is 24%.
Delay in 55 days for interest payments hardly anyone surprised. But each of the following sentences is unique in its own way.
Credit card "YAR-Bank" operates for free the first year. After 55 days, the balance accrues 17.5%. The maximum credit limit is one million rubles.
Avid gamers can rate the map "TinkoffBank "Kanobu. In addition to the renewable limit of 700 thousand rubles. Plastic holders receive a 10% discount on the Kanobu website. The client will have to pay 5% for cash withdrawal. At the end of the grace period, the rate for the use of money will be 23.9%.
Binbank has developed a special offer fortourists. The "Whole World" card gives you the opportunity to save and spend miles in partner networks. The renewable limit fluctuates in the amount of 50-100 thousand rubles. For the use of credit funds a rate of 22% is provided, and for withdrawing money from an account - 2.5% (minimum of 250 rubles). Additionally, customers can connect free SMS information service.
