Each person at any time may need money to pay current expenses, treatment or make any purchases. In order not to waste time on applying for traditional loan products, people can get plastic from Renaissance Credit Bank in advance and use it at the right time.

Dear readers! The article talks about typical ways to solve legal issues, but each case is individual. If you want to know how solve exactly your problem- contact a consultant:

APPLICATIONS AND CALLS ARE ACCEPTED 24/7 and 7 days a week.

It's fast and FOR FREE!

In this case, the financial institution will not need to provide documents confirming the expense borrowed money.

Conditions

Today, every Russian who meets the criteria established for borrowers can become a Renaissance Credit Bank client.

Before you do official address to a financial institution regarding obtaining a credit plastic, applicants must carefully study all the conditions:

1. To apply for this type of loan product, you must submit an application, which will be considered within 2 days.
2. Price annual service plastic ranges from 450-900 rubles (the first year is free).
3. Cardholders are given a 55-day grace period during which they can spend the bank's funds free of charge.

4. After depositing money into the card account individuals again they can be used for their own purposes, since the card has a revolving line of credit.

5. Clients take part in the “Cash Back” bonus program, thanks to which up to 10% of the money spent by bank transfer is returned to their account Money.
6. No commission is charged for issuing a card from customers.
7. The credit limit does not exceed 200,000 rubles ( minimum amount, which applicants can count on is 3,000 rubles).

How to apply for a Renaissance Credit card online?

To go through the procedure for issuing a credit card at Renaissance Credit Bank, applicants must fill out an application. This can be done on the official web resource of a financial institution or by visiting the nearest branch in person.

The application must include your full name, mobile phone and e-mail, select a bank office where it will be convenient to receive a credit card, check the appropriate boxes and confirm the sending.

As soon as a positive response is received, the potential borrower must contact the nearest office with documents to sign the contract and receive plastic.

After activating it, money can be withdrawn through a cash desk or ATM, or you can use a card for non-cash payments.

Do you want to know under what conditions you can get it? Then you just need to read the article provided by the link.

If you are looking for offers for urgent loans online on a card without refusal around the clock on a passport, then we recommend that you go to.

Bank ruler

Today the population of the country Russian banks offer the following types credit cards:

Name of creditor	Limit	grace period	Rate (annual)
Renaissance Credit Bank	3 000 rub – 200 000 rub	55	24,00%
Alfa Bank	Up to 300 000 rub	100	23,99%
Post Bank	Up to 500 000 rub	120	27,90%
Citibank	Up to 300 000 rub	50	From 18.00%
Tinkoff	Up to 300 000 rub	55	From 19.90%
VTB Bank of Moscow	Up to 350 000 rub	50	From 24.90%

Requirements for recipients

Those individuals who fulfill the following requirements can apply for a credit plastic from Renaissance Credit Bank:

1. Having a creditworthy age of 21-65 years.
2. The presence of Russian citizenship, as well as permanent registration or an official place of work in the region where the representative office of the creditor is present.
3. Work experience with the last employer must be at least 3 months.
4. The applicant must have a personal mobile phone.

5. The total monthly income (minus taxes) for residents of the capital must exceed 12,000 rubles, and for people living in other regions, this figure is lowered to 8,000 rubles.

Interest

Renaissance Credit Bank's credit card has an annual rate of 24.00%. It should be noted that the amount of interest for clients can be determined on an individual basis.

This indicator can be directly affected by both the applicant's credit biography and the documentation package provided by him.

If an individual presents a certificate of his monthly earnings, the lender can reduce the base rate by several points.

In the event that the bank has doubts about the solvency of the borrower, the interest may increase to 39.90% per annum.

List of required documents

In order to receive a credit card at Renaissance Credit Bank, individuals must present the following documentation:

1. Passport with a stamp about Russian citizenship and registration.
2. Identification tax code.

3. Additional documents: diploma of higher or special education, passport, bank card(nominal), driver's license.

Cash withdrawal

If borrowers plan to cash out funds from credit cards, then they will have to pay a commission of 2.90% of the amount, plus 290 rubles, for each withdrawal.

There are also restrictions on such financial transactions. Clients can withdraw funds in the amount of 40, 50, 70 and 100% of credit limit.

Timing

Credit plastic in this financial institution is issued for up to 3 years. After this period, it may be reissued.

If desired, borrowers can close their credit cards, while paying off all debt.

Redemption

In accordance with the conditions stipulated for the credit cards of this bank, customers must monthly deposit funds into card accounts. Minimum payment is 5.00% of the current debt, but not less than 600 rubles.

Individuals can repay the debt on the card in various ways:

• through terminals;
• through the creditor's cash desk;
• through third-party banks;
• through payment systems, in particular virtual ones;
• via mail, etc.

How to close the card?

You can close credit plastic in this financial institution as follows:

1. It is necessary to clarify the amount of current debt on the day on which repayment is planned.

2. After making the payment, you should write an application for termination of the loan agreement.

3. After closing a credit account (this procedure takes up to 45 days), you must go to the bank branch and ask for the appropriate certificate.

Advantages and disadvantages

The advantages of a Renaissance Credit Bank credit card include:

1. Customers have the opportunity to apply for credit plastic at any time of the day.
2. A fairly high limit has been set (3,000 - 200,000 rubles).
3. There is a grace period that lasts 55 days.
4. Democratic interest rate may change if there are good reasons (the ability to pay is documented, or a credit card is issued by a regular client).
5. There are bonus programs for which you can accumulate points and pay them in stores.

6. Customers are given the opportunity to independently choose the method of making monthly payments.

7. There are no hidden fees and no additional fees.
8. Individuals can spend borrowed funds at their own discretion, since such loan programs are not targeted.
9. After replenishing the card account, the funds again become available to the borrower.
10. You can withdraw money from a credit card, and you can also pay with it at retail outlets, institutions Catering etc. You can also make purchases in online stores and use such plastic for payment.

Renaissance Credit is a Russian private bank that mainly provides cash loans to its customers. The bank provides extremely favorable conditions for obtaining a loan. For customers, the organization issues various plastic cards. One of the offers of Renaissance Credit Bank is a credit card, the conditions for which we will discuss in our article.

What are the advantages of a Renaissance Credit credit card?

• Credit card from Renaissance Credit Bank has a free annual service.
• Upon receipt of the card, the client is not required to provide proof of income.
• Grace period for a period of 55 days, during which you can return the money spent without interest.
• For all credit card holders there is a special bonus program"Simple Joys"
• The issuance of plastic is carried out on the day of application.
• The card has all modern technologies including contactless payment technology.

• For the purchase of any product or service using a card, 1% of the payment amount is credited to the client's bonus account.

• Each month, a list of certain goods is determined, for which an additional bonus of 10% of the payment amount is accrued.
• Each bonus received is converted only into rubles. One bonus point is equal to one ruble.

The accumulated points can be used to purchase any goods. Also, with the help of bonuses, you can pay for utility bills, as well as replenish your phone account. All payments are made via Internet Banking.

How bonus points are awarded:

• When making any purchase by bank transfer, 1% of the payment amount is charged.
• When making a purchase of goods from the category "Household appliances" - 5% of the payment amount is charged. Maximum size of the received monthly month for this category is 1500 points.

In order to apply online for a Renaissance Credit bank credit card, you must complete the following steps:

• Go to the official website of the banking organization.
• On the main page of the site, select the "Maps" tab.

• On the page that opens, click the "Fill out the application" button.

• Now you need to fill in the personal information about the client.

• After filling out, the questionnaire will be handed over to a bank employee who will check it and make a decision within one business day.
• At the end of the check, the bank will contact the client and tell about further actions.

Tariffs for credit card holders of Renaissance Credit Bank are as follows:

• Issue, replacement, and maintenance of plastic is free of charge for all bank customers.

• The grace period during which you can return the money spent without overpayment is 55 days from the date of purchase.
• The maximum credit limit on the card is 200 thousand rubles (on an individual basis, the bank may increase the maximum credit limit).
• Interest rate on debt payment at the end grace period is 24.9%.
• Internet banking services, mobile bank, as well as sms-alerts, are provided to all customers free of charge.
• When withdrawing cash from a Renaissance Credit credit card at “native” ATMs, a commission is charged in the amount of 2.9% + 290 rubles.
• The maximum amount for cash withdrawal is up to 500 thousand rubles per day and up to 700 thousand rubles per month. Also, the bank can set a limit on cash withdrawals from the credit limit in the range from 0% to 100%.
• life insurance, as well as insurance against loss of work, is issued for 0.95% of the principal amount of the debt.
• The monthly fee for insurance against fraudulent card transactions is 90 rubles.
• The fee for currency conversion is 1% of the amount being converted.
• The amount of the fine accrued for committing violations relating to obligations to repay the loan is 20% per annum.

Bank Renaissance Credit is constantly developing and finds an individual approach to each of its clients.

This is a reliable partner that will not only help a novice businessman get on his feet, but also provide quick financial assistance to an ordinary employee who urgently needs money.

The conditions for obtaining credit cards here are very favorable, which we will discuss later in the article.

A credit card from Renaissance Credit Bank allows you to make purchases in online stores without additional fees. It can be used to pay bills for public utilities, top up a mobile phone, buy goods or pay for services via the Internet while maintaining the grace period.

This saves time and money, because there is no need to pay interest.

All personal data of the client when making purchases are securely protected by international 3D-secure encryption technology.

Therefore, you can not worry that attackers will be able to use confidential information. Reviews about this loan product are usually positive, because the bank cares about customers.

Conditions for obtaining a card from Renaissance Credit

To start enjoying all the benefits of credit plans, you need to meet certain requirements.

Credit card Renaissance has the following terms of receipt:

• at the time of issuing a credit card, the client must be 24 years old, this is the minimum age. There are special credit plans for pensioners whose age must be no more than 79 years old;
• the presence of a photocopy and the original of the passport when making an application;
• permanent registration in the area of ​​any branch of Renaissance Credit Bank;
• official employment, while the length of service must be at least three months;
• certificate of income according to the standard 2-NDFL. This will help you get better credit terms.

After receiving a credit card, it will definitely need to be activated. This can be done together with a consultant or you can call hotline bank, where to pass the identification of the person. Only after that the specialist will inform the client of the PIN code.

Remember that bank employees will strictly monitor the timely return of loan funds in accordance with the agreement. Therefore, it is advisable to avoid delays.

Also, to receive a credit card, the client will need a mobile phone, without specifying contact number which you can hear the refusal on the application. Residents of Russian cities should have monthly income in the amount of 8,000 rubles (12,000 rubles for Muscovites) to become a holder of a plastic card from Renaissance Bank.

Features of a plastic credit card

There are several methods for obtaining a credit card from Renaissance Credit. It is very convenient to do this through the official website of the bank, where potential borrowers can immediately get acquainted with the loan plans and submit an application for consideration by the bank's specialists.

You can fill out the application form directly on the website. The main thing is to indicate reliable information, since the data must be verified without fail. Only then will the bank make a preliminary decision on issuance, after which the manager will contact the client and discuss all the details of the loan plan.

When making a decision, such characteristics of the client as credit history, the absence of debts on previously taken loans and the presence of a stable official income.

In addition, the availability of the original 2-NDFL certificate and data from the work book may contribute to the fact that the interest on the Renaissance Bank credit card for this client will become lower.

Loyalty to customers ensures the bank's stable operation and high level trust, therefore, for the most part, reviews of the Renaissance Bank credit card are positive.

Terms of use of plastic cards

Credit consultant will help you choose a loan plan based on the goals of the borrower and his financial capabilities. Thanks to the many tariff plans, customers with different income levels will be able to find something for themselves.

The advantage of the bank is the quick processing of the application. In just 2 days, specialists will check all the data and make a decision on issuing or not issuing a credit card.

The presence of a grace period attracts new customers who often buy different goods via the Internet, while the commission for cash withdrawals during the grace period will still be charged.

The grace period allows you to use credit funds without paying interest to the bank. This is beneficial, but before the expiration of 55 days, the borrower needs to return the entire amount of the debt.

Renaissance Credit made sure that it was convenient for customers to repay their debt in various ways: through a terminal, ATM, money transfers, cash desk of any bank branch.

The bank seeks an individual approach to each client and can offer a card with a credit limit of up to 300 thousand rubles. The interest rate on the loan will be from 24% per annum.

Withdrawing cash from a Renaissance Bank credit card at its ATMs is carried out with a commission from 1 to 3.9% but not less than 200 rubles (the amount may vary depending on the type of credit plan).

Loyalty program and bonuses

Absolutely all owners of Renaissance Credit credit cards participate in the loyalty program, which will allow you to make purchases in partner stores and return a certain percentage of the purchase amount back to your balance. Bonuses are awarded only when paying directly from a credit card, the amount of cashback is up to 10%.

A complete up-to-date list of partners can be viewed at any time on the official Renaissance Credit website or contact customer support.

Also, customers are offered a profitable bonus on a credit card - interest on the balance on the card. This will allow you to use the credit card as a deposit account, from which you can withdraw at any convenient time. the right amount.

The interest rate for storage is not as high as with deposit rates and is only 12% per annum.

More about the map

• 100 days without interest on the loan;
• Limit credit up to 500,000 rubles;
• Interest rate from 14.99%;
• The cost of annual maintenance is from 1190 rubles;
• Free replenishment and cash withdrawal;
• Free internet banking;
• Free mobile banking.

Map from Tinkoff bank

Issue a card

More about the map

• 55 days without interest on the loan;
• Interest rate from 12%;
• Installment plan at 0% up to 12 months;
• The cost of annual maintenance is from 590 rubles;
• Minimum payment up to 8%;
• Free replenishment of the card;
• Bonus points for spending on the card;
• Free internet banking;
• Free mobile banking.

Map from Eastern Bank

Issue a card

More about the map

• 56 days No interest on the loan;
• Limit credit up to 300,000 rubles;
• Interest rate from 11.5%;
• The cost of annual maintenance is free;
• Issuance of a passport in 5 minutes;
• Free internet banking;
• Free mobile banking.

Card from Gazprombank

Issue a card

More about the map

Holders get the opportunity to use its functionality at their discretion. For each case, the bank places a certain credit limit in relation to the user, the maximum amount of which can reach 200,000 rubles.

Allowed to post and use own funds over the specified credit limit. Here, as in the vast majority of cases, borrowed money should be used only for making purchases and only in non-cash form. You can withdraw them, but only in the most extreme cases, since the bank has set a fairly high commission for such operations. Own funds can be cashed out only according to certain rules.

How to withdraw cash from a credit card from Renaissance Credit Bank without commission

Without a commission, you can withdraw only your own funds and only through the RKB. The bank does not have partners for withdrawal, so customers use their own RKB ATMs or a bank cash desk.

ATM withdrawal

You can withdraw no more than 600,000 rubles a month through an ATM, with a daily limit of 300,000 rubles. is issued only in the region of presence of the RCB, therefore, in the city of permanent residence of the holder, there must be suitable ATMs.

The holder can cash out his own funds without commission. To do this, you must have a card with you and know the current pin code on it. In the device menu, the user selects the Cash Withdrawal tab and enters the amount in accordance with the system rules.

To complete the transaction, you need to have with you the phone number previously linked when issuing the card. It will receive an SMS message with a password, which must be duplicated in a field specially designed for this. After completing all the actions, the device will issue the required amount and the transaction can be closed.

Withdrawal through a bank teller

If the holder does not have a card with him at the time of the need to withdraw funds, there is no point in trying to use an ATM, since the device does not perform transactions using the card number. For such cases, contacting the bank cash desk with a passport and a small statement is suitable.

You can contact any branch of the bank, regardless of the region where the holder is located. RKB provides relevant services within the framework of client (cash) services free of charge. The user needs to provide his passport and fill out an application indicating the withdrawal amount. This method is designed only for the withdrawal of own funds.

After processing the application, the employee will issue a receipt to the client, with which he approaches the cashier and receives the required funds. This completes the procedure. The bank may refuse such services if there are no documents with the holder.

How to withdraw cash with a commission

Therefore, without a commission on this card, you can only withdraw your own funds and only through the RKB system. If these options are not available, or if the holder wants to cash out the borrowed funds, then he will have to pay for this.

Here you need to take into account that in your own ATM, borrowed funds are withdrawn at a rate of 2.9% + 290 rubles. If borrowed funds are cashed in third-party devices credit organizations, then a fee in relation to another bank will also be added to this commission.

Withdrawal at any ATM

You can withdraw your money from any ATM in Russia. Banks never make restrictions in this regard, since they charge a commission from users for such services. You can use any ATM that has the function of issuing cash.

Restrictions and other conditions are established by banks separately. The commission will also vary: Sberbank - 1.5-2% + 45 rubles; VTB Group — from 2%; Rosselkhozbank - 2%; AlfaBank - 1.5% + 100 rubles. Only a part of the largest Russian banks is indicated, through the devices of which the operation can be performed.

If removed loan funds, then on the example of AlfaBank, the commission will be as follows: 2.9% + 290 rubles + 1.5% + 100 rubles + annual interest rate (29.9%).

The withdrawn amount must be significant, otherwise the commission amount will exceed the withdrawn amount. When trying to withdraw borrowed funds, the RCB may block the operation if the cardholder has an outstanding account debt by that time.

Contact money transfer system

Among the companies cooperating with RKB, the Contact payment transfer system is indicated. This is not a partnership, as the commission for using the system functionality is standard - 1% of the transferred amount. Here, the withdrawal percentage is of key importance, which is less than in any ATM, except for RKB ATMs. No bank offers such a commission when you try to withdraw your own funds from the card of another credit institution. Therefore, users pay special attention to this method of removal.

To implement it, you need to go to the website of the Contact system and go to the "Transfers" section. Next, the user selects a tab dedicated to making transfers from a credit card. The system will take the user to a page where, in the appropriate field, he indicates the details of his credit card and the amount of the transfer. After that, the details of the recipient of the transfer are registered - in this case, the user specifies his own passport data.

The information is checked and the operation can be activated. Funds are debited from the balance immediately. After processing the request, the system will send an SMS message with a special code to the phone number specified when filling in - a combination of numbers and Latin letters. This code must be written down on paper in order to present it to the cashier along with the passport upon receipt of funds.

On the map you can see the nearest office that works with the Contact system. You need to take your passport and the code received in an SMS message with you. After checking the information, the employee will issue a receipt with which the user goes to the cashier to receive cash. This completes the operation, and instead of a few percent, it will be possible to withdraw money at only 1%, without additional amounts.

Having started its main activity in 2003, Renaissance Credit has earned a fairly stable niche in the list of the top 100 banks in the Russian Federation. Now this financial institution has partners and clients in 68 regions of Russia. Nearly 9 million people are considered regular customers of Renaissance Credit. More than 150 representative offices of this bank operate in different parts of the country.

affiliate program

Although interbank relationships become more popular over time, Renaissance Credit does not consider it necessary to acquire such partners. Instead, its representatives turned their attention to trade brands:

• Euroset.
• Svyaznoy.
• Delta.
• M-Video, etc.

Such a partnership provides certain advantages, for example, the transfer of funds or replenishment of the account without commission. With the withdrawal of money, the situation is more complicated, since not a single bank cooperates with Renaissance Credit. This financial company also takes a commission for servicing self-issued loans.

Tariffs and restrictions

Since Renaissance Credit has no partners among credit institutions, its tariffs are as simple as possible, sometimes limited. The classic "set" from this company includes:

1. Free replenishment of cards in all terminals, with the condition of changing the balance during the day.
2. Free issuance of money from debit cards, regardless of which bank the terminal belongs to.
3. All transfers from card to card for 0.95% (but not less than 45 rubles) of the amount.
4. Registration and servicing of Master Card credit cards in two categories: "Transparent" and "Express". Withdrawing money will cost 2.9% of the amount and 290 rubles additionally as a fee for the operation.
5. Credit card limit per day - 500,000, per month - 700,000 rubles.

The grace period remains active until the borrower decides to cash out the available funds. As soon as you made a transaction at the ATM, it stopped.

So, withdrawing cash from the Renaissance Credit card is fraught with certain difficulties. But in order not to find yourself in an extremely unpleasant situation with a loan, you also need to know how to replenish a credit account with this bank.

Account replenishment methods

Payment method	Commission	Timing
Terminals in Renaissance Credit branches	No	Day
Transfer from card to card	0.95% of the transfer amount, but not less than 45 rubles. When transferring from another account financial organization local translation conditions must be taken into account.	Immediately
Eleksnet	Up to 1.98% of the amount (at least 30 rubles)	During the working day (payments accepted before 17:00 Moscow time from Monday to Friday)
QIWI	1.6%, not less than 100 rubles.	1-2 working days
Euroset	1%, not less than 50 rubles.	1-2 working days
Accounting at the place of employment	By decision of the employer	By decision of the employer
Transfer from the Internet bank of any other bank	According to the rates of the sending bank	3 working days
Post office	No	5 business days

Whichever payment method you choose, be sure to keep all receipts and checks until the debt is paid, in order to avoid disputes with Renaissance Credit. Although this bank has not yet established cooperation with other financial enterprises, it actively communicates with well-known trade brands.