Conditions for obtaining a credit card
If a citizen wants to receive a refund of part of the money spent, he will be helped by a credit card. Home Credit Bank is engaged in issuing means of payment. With the help of a card, a citizen will be able to avoid paying interest if he manages to close the debt within the grace period. The proposal also has several other features.
Credit card The benefits of Home Credit Bank are suitable for people who like to travel and often make purchases in stores using bank transfer. The payment instrument allows you to return part of the spent amount. It is awarded in the form of points. The citizen independently decides how many bonuses he wants to spend on the purchase. The amount of the refund depends on the status of the card. It can be Gold or Platinum. For cardholders, Home Credit Bank provides free access to Internet and mobile banking. The payment instrument is protected by a chip. Online payments are also more secure. They are protected by 3D Secure technology. Technical support works for the convenience of citizens. You can contact her by phone. You can also ask a representative of the organization a question during a personal visit to the company's office.
Terms of Use
The conditions under which the Benefit credit card will be provided depend on its status. A gold card allows you to receive up to 300,000 rubles. The interest rate under the offer starts from 29.8% per annum. The maximum overpayment amount is 49.9% per annum. You can not pay a fee for the use of funds if a citizen makes a settlement during the grace period. Its duration reaches 51 days. The offer is valid cashback in the amount of 1-3% of the purchase price. The refund will increase to 5-10% if a citizen spends money in partner online stores. To settle with the organization, you must make monthly payments. Their size is determined by the client. However, the value should not be less than the minimum. It consists of the following parameters: interest charges; insurance, if any; commissions and penalties, if any. The minimum amount of payment should be 1000 rubles. or the entire debt, if it is less than this indicator. For cash withdrawals, a fee of 4.9% of the amount is charged, but not less than 399 rubles. You will have to pay 990 rubles for servicing the Gold Card. annually. If a Platinum Benefit credit card is issued, the amount of the overpayment and the amount of the available limit will remain the same. The number of accrued bonuses will change, which will be 1.5-5% of the purchase amount. The amount of the service fee will increase and will amount to 4990 dollars. Funding must be paid annually.
Cashback by card If the credit card Use is used for cashless payments in stores or when making online purchases, Home Credit Bank will accrue cashback. Its size depends on the status of the means of payment and the features of the acquisition being made. The return is credited in the form of bonuses. They can be used to pay for purchases and services in partner stores. The exchange takes place at the rate of one to one. cashback is provided in the following categories: cafes and restaurants - 3-5%; gas stations - 3-5%; travel - 3-5%; other acquisitions - 1-1.5% If payment is made in partner stores, the amount of cashback increases. Its average value will be 5-10%. The current list of partners of Home Credit Bank can be viewed on the official website of the organisation.
The data must be valid. This has an impact on the organisations response. Please check the information carefully before submitting your application. If the information is entered correctly, you will need to click on the red button located at the bottom of the page. The system will automatically send the information to Home Credit Bank specialists. Then you will need to wait for the decision of the organization. If it is positive, the borrower will be invited to the bank's office to provide a means of payment. Remote delivery of the card is not carried out. Initially, the borrower will be provided with an instant issue card. It is not nominal, but it has almost all the standard options. After 7-10 days, you will need to re-visit the Home Credit Bank office. During this time, a personalise card will be made for the client. After its provision, the instant issue credit card is blocked. All funds and bonuses will be transferred to the new card account.
Conclusion
Credit card The benefits of Home Credit Bank allow you to save significantly. The offer gives you the opportunity to receive cashback in an increased amount. Its value depends on the status of the card and the type of purchases made. The highest return is provided for transactions in partner outlets. The interest rate on the card is slightly higher than the market average. The card should be issued if a citizen often makes purchases in the categories of cafes and restaurants, gas stations, travel.
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