Credit cards have long been firmly established in our lives.If it is necessary to purchase any product or pay for the service, but in the absence of the required amount at the moment, a Promsvyazbank credit card will be able to earn. This article describes the product itself, the conditions and requirements for the borrower, provides customer feedback. First, let's find out what the bank itself is.
This financial institution is one ofthe largest in Russia. Its full name sounds like a public joint stock company "Promsvyazbank." At the beginning of 2015, Promsvyazbank ranked 11th in terms of assets among all Russian banks, and the number of its individual customers exceeded 2 million. Services are provided in different cities of the country, and the number of service points itself is more than 300. At the same time, an extremely developed network of ATMs has more than 8,000 such devices. In addition to the standard products offered by all banks in a country, this financial institution can also provide other, more unique in terms of customer benefits, service options. One of them is a Promsvyazbank credit card. 145 days of interest-free loan servicing is its main advantage, but this time we will look at below.
As already mentioned, credit cards areAn integral part of our life for a long time. What, in fact, offers a credit card? It allows you to purchase goods, pay for services, and perform other similar operations, even if the money in the account is not enough at the moment. Perhaps they just did not have time to get an account, and you need to make a purchase right now. Or you expect money in the near future, but you have to spend it now. A credit card makes life easier for an ordinary person, not to mention entrepreneurs, for most of which it’s impossible to operate a business without loans. In addition, the presence of such a financial instrument negates the need to carry cash and thus removes all possible risks associated with large amounts of money in the public domain.
But there are some disadvantages associated withinterest rates for such services. At the moment they are still too large. A credit card of Promsvyazbank is free from such a drawback, since it allows you to use a loan without interest for as long as 145 days. Let's look at this product in more detail.
This is the official name of this credit.service and at the same time the card itself. We will not say that the platinum card is in itself an indicator of prestige and respectability. This is clear to everyone in our time. So, Promsvyazbank credit card terms are quite simple. You must be a citizen of the Russian Federation not older than 63 years and not younger than 21 years. In addition, the place of permanent or temporary registration must be in the same locality where the bank’s service point is located. Well, it is quite understandable requirements for work experience (at least 1 year) and the presence of two contact numbers. In fact, these are all the requirements directly to a potential borrower that Promsvyazbank exposes. An application for a credit card can be filed in any of its nearest branches if there is an extremely small set of documents.
Перечень бумаг, необходимых для оформления credit card, "Promsvyazbank" indicates very small. All you need is a passport of a citizen of the Russian Federation and any of the following documents: passport, certificate 2-NDFL, certificate of vehicle registration, certificate of income in free form (in the form of the employer). Although these documents are not required at all if you are already a client of this financial institution (you have an account or contribution). That's all. Nevertheless, it is recommended to take as many documents with you as you have, as in some cases the bank may require other papers if it does not suit it in the documents provided. Do not be afraid of this, it is quite standard practice. It is possible that a loan officer has repeatedly encountered a situation in which the availability of a document can greatly simplify the procedure for reviewing a loan or make it quicker, and simply tries to help a potential borrower. In general, bank employees will never require from you those papers that may damage the procedure for issuing borrowed funds, since they themselves are interested in having the client receive this card.
In addition to all of the above, order a cardit is possible and without leaving home, the benefit is allowed by the conditions dictated by Promsvyazbank. A credit card, an online application for which can be issued via the Internet, is already quite a standard phenomenon in our time, and this bank does not lag behind its competitors providing this service. You can order it on the official website of Promsvyazbank, the fields for filling are quite simple, do not require a lot of information, and the form itself is easy to understand.
If necessary, a credit card can bearrange for the hotline at the telephone number listed on the same site, if for one reason or another the client is unable to either come to the bank branch or leave an online application. A bank employee on the phone gives a comprehensive explanation and will answer all questions.
With who, how and with what help can ordersuch a card, we figured it out. Now directly about the product itself. The maximum loan amount cannot exceed 600 thousand rubles, which is quite enough for an ordinary person. The interest rate for a crediting period of more than 145 days will be 24.9% per annum, but if the loan is returned before this term, the interest for use will not be charged. Payment on a loan can not be less than 5% of the total amount of debt, therefore it is extremely important to control this moment in order not to overpay where this could be avoided. In addition, when calculating this card for the purchase of goods, the bank charges bonuses to the account. The Promsvyazbank credit card, the conditions for registration of which are described above, also provides for a free SMS function of informing about card transactions and the same free Internet and mobile banking.
The main advantages, except for quite obviousThe advantages of using such a product are ease of processing, a small list of documents and a period of 145 days during which no interest is charged on the loan amount. This is a unique advantage offered by the Promsvyazbank credit card. Customer reviews speak for themselves. Many thank the bank for the opportunity to acquire those goods that were needed very urgently (medicines, for example). Others express their appreciation for finally realizing their dreams. In any case, as testimonials testify, even if you don’t use this credit card in everyday life, it can become exactly the tool that will help get out of a sudden difficult situation, because while you don’t use it, you should pay no fees for the fact that you have a card not necessary. However, there is another point of view.
The main and, in fact, the only minusUsing this product is a high interest rate. This negative side begins to be felt only when the client was unable to fully repay his debt on time (that is, within 145 days). According to bank customers, the overpayment in this case is very significant and heavily pockets. This is a minus, which has a credit card "Promsvyazbank." Feedback of a negative nature, in principle, in most cases comes from people who themselves could not deal with their own finances and therefore are forced to overpay significant sums. If you carefully monitor your expenses and income, plan costs, then this situation can be avoided. If this is not possible, it is recommended to contact either special experts who will help to deal with a similar situation, or to your more successful acquaintances for advice.
About a product like a credit card"Promsvyazbank", you can talk for quite some time. There are a lot of advantages in it and, just like in any credit product, quite expected disadvantages (interest rate mainly). It is impossible to please everyone, although in this case the bank took all possible measures in order to make life easier for the borrower and not to lose his profit. Since such credit cards are constantly evolving, requirements for obtaining them and credit conditions are becoming more profitable and more profitable for the consumer. It is quite possible that in the near future we will be able to see such a product from Promsvyazbank, which really suits everyone, will not have flaws and will help to fulfill all the dreams of the consumer.
