Like all large banks that care about the safety of customer funds and the safety of their personal data, Renaissance Credit Bank uses the most modern methods to protect customer credit cards. One of the card protection methods is blocking the card at an intermediate stage. From the moment of its release to the moment of issuance to the client. Indeed, during this period, the card can become easy prey for scammers, as long as the client does not control the state of the account.

Card activation methods

1. Activation via ATM.
2. Activation via infokiosk.
3. Activation of the card by calling the support service.
4. Activation of the card at the bank's cash desk.
5. Activation of the card on the bank's website.
6. Activation of the card by the system during the day.

The card activation method depends on the specific bank and customer preferences. To activate the card via the Internet, just go to the appropriate section on the bank's website. Or in the personal account of the Internet bank user. And there, after entering the required data, activate the card.

When receiving or activating the card, you receive a PIN code, which is used to confirm the identity of the owner when making transactions. In no case do not disclose it to unauthorized persons, even bank employees.

Those who decide to activate the Renaissance card take the first step into the world of banking services of Renaissance Credit Bank, founded in 2003 and whose main activity is lending to the population of the Russian Federation.

The bank carries out its activities in the form of issuing loans to individuals, issuing plastic credit cards and accepting deposits. The financial and credit institution has a developed network of branches in Russia and is rightfully considered one of the leaders in the Russian retail consumer lending market.

Loans and credit cards have long become a familiar part of the life of a modern person. Unfortunately, cases of fraud attempts or theft of money from cards belonging to bank customers have become an integral part of life.

Renaissance Credit Bank considers user safety to be one of its priorities. The Renaissance card activation procedure is one of the important components of the system for the safe use of credit cards issued by this financial institution.

The most popular among bank customers are two types of cards:

1. gift card Renaissance Life;
2. credit card Renaissance Credit.

Both cards after production can be delivered to the client to the nearest office of the bank or by courier home.

Renaissance Life

A relatively new type of banking service is a prepaid card. It can be presented as a corporate gift in the same way as, for example, a gift certificate to a store.

The client can use such a card at his own discretion as a regular one until the limit is exhausted. A card with a renewable limit can continue to be used.

Renaissance Credit

The Renaissance Credit plastic credit card is issued for the Master Card payment system. The maximum possible loan amount for it is 200,000 rubles, and this money can be received directly on the day of application (but not less than 3,000 rubles).

The maximum amount for each lending client within these limits is determined by bank employees individually. Citizens of the Russian Federation aged 21 to 65 can receive plastic. With non-cash payment, a cashback in the amount of 1% to 10% can be returned. Before applying for a card, it is recommended that you familiarize yourself with the terms of use of this banking product, including how to activate a Renaissance credit card.

Card activation methods

Renaissance Bank does not supply the activation code in a PIN envelope. A credit card, regardless of the method of delivery to the client, is issued in an inactivated form. This is done so that no one can use the financial resources until the moment when the card falls into the hands of the end user. Until this moment, the card is inactive and it is impossible to make payments from it.

Through an ATM

If the client already knows the PIN code of the card, you can activate the Renaissance Credit card using an ATM. To do this, you must perform any operation. It is recommended that you complete a balance inquiry as the first step. From this point on, the plastic becomes activated.

Via information kiosk

The operation of card activation through an information kiosk (self-service terminal, payment and reference terminal) does not fundamentally differ from the procedure performed through an ATM. One has only to remember that this terminal is designed to provide a wider range of services, but does not support cash withdrawals from the account, so you will need to perform any other operation.

At the bank teller

You can perform the activation procedure directly at the bank branch, even immediately after receiving the plastic. You must have your passport and card with you. The manager activates the card in the presence of the client.

On the bank's website

Card activation is possible on the official website of Renaissance Credit Bank. In the appropriate section, you must enter the requested information. After a short time required to check the data in order of priority, the client will be issued a confirmation of the completion of the procedure.

Support call

Another way to access the features provided by a bank card is to call the support service of a financial institution.

You can find out the required phone number for the user's region on the bank's website. During the call, the manager will ask for some data, such as:

• card number;
• the code word specified at the conclusion of the contract;
• other data to identify the caller.

If everything goes well, the operator will activate the card and assign a PIN code.

In addition, unlock methods are available through the Internet banking application. To do this, you need to make any operation with your account.

Important! With any method of applying for card activation, the client by default confirms his consent to the processing of his personal data, as well as the fact of familiarization, understanding and acceptance of the conditions for issuing the corresponding plastic card.

You can activate the Renaissance Life card in the same ways.

PIN code from Renaissance Bank card

The PIN code is the password for using the card; without entering it, many operations on the bank account are impossible. It is better to remember it, but if there is a need to write it down, then you need to store the record separately from the card.

To know

As a rule, a four-character code is communicated to the client upon delivery or upon activation of the Renaissance Credit card.

Change

The need to change the access code may arise if you suspect that information has been leaked. It is better to do it yourself at an ATM, information kiosk or through the Internet banking service.

Restore

If the client has forgotten or lost the code, it is impossible to restore the old combination, you will have to get a new one. This can be done at the bank office by writing an application, presenting a passport and naming a code word. If the client has forgotten the code word, then the only remaining way out is to reissue the plastic.

How to close or block a card?

Closing a card may be necessary in various situations - for example, when a client has repaid his loan obligations to a financial institution and does not plan to issue a new loan in the near future.

Another common case of applying for a blocking service is the loss of plastic. In this case, this action is strongly recommended to protect the user from illegal actions of unauthorized persons.

To block the card, you can send an SMS to 7525 with the text block 1234, where you should substitute the real last 4 digits of your card instead of the numbers 1234. You can also contact any branch of the bank.

You can close the card after the full repayment of accounts payable:

• at a bank branch;
• by telephone support;

If the client needs a document on closing the card, such a certificate is issued:

• at a bank branch;
• by phone of the support service with delivery by Russian post or to an e-mail address;
• through the official website of the bank.

Each of us at any time may need money to solve current problems, such as buying or repairing furniture, interior items, clothes, treatment, paying for education, paying for goods, services on the Internet, and much more. It is enough to activate the Renaissance credit card and you can feel confident in any situation, because this banking product is available around the clock. You can use the money from this card at your discretion.

Types of credit cards

Currently, the bank offers its customers the following types of credit cards:

1. Transparent card. When using the card for each purchase made, 1% of the purchase amount is charged.
2. Corn. 1 point is awarded for each ruble spent on the card. It is possible to use the accumulated points to pay for products and services from the bank's partners under the "Corn" program.
3. Express. This is an opportunity to get an instant loan within 15 minutes at any branch of Renaissance Bank.
4. Transport Card. Thanks to it, you can quickly pass the subway, you just need to attach it to the yellow circle. The more trips per month made by card payment, the less the price of each trip will be. The commission for using this service is 300 rubles. in year.

Key Features of Credit Cards

Credit card name	Credit limit, rub.	Grace period, days	Interest rate, % per annum	Service cost, rub. in year
Transparent card	Up to 300000	Up to 55	From 24	In the first year - 0, in the second year - 900
Corn	Up to 300000	Up to 55	From 45
Express	Up to 300000	Up to 55	From 42
Transport Card

Requirements of Renaissance Credit Bank to customers

Renaissance Credit Bank credit cards can be obtained by the following potential borrowers:

• the presence of citizenship of the Russian Federation;
• registration in the territory of the Russian Federation;
• age range: 24 - 65 years;
• permanent employment (at the last place of work for at least 3 months);
• for residents of Moscow, St. Petersburg, income should be at least 10,000 rubles. per month;
• for residents of other regions of the Russian Federation, income should be from 6,000 rubles. per month.

The process of obtaining credit cards

To obtain a credit card, you need to submit a package of documents to the bank (in each case, it may contain from 2 to 4 documents). In most cases, it is enough for potential borrowers to provide a copy of the passport and TIN. Additionally, a certificate of employment, a pension certificate may be required.

An application for a Renaissance Bank credit card can be submitted in 2 ways:

1. When visiting a branch of the bank in person and filling out a written application form.
2. When it is sent on the official website of the bank in online mode.

You can apply for a card on the website.

In the second method, you just need to click the "Finish" option, and the application form will appear. It should include:

• passport data;
• place of work, position, salary data;
• phone numbers, email;
• some additional information.

Further, the questionnaire - the application is sent to the bank for consideration. Additionally, a potential borrower can call the bank and discuss all issues and conditions by phone. Before an answer is given on the approval of an application for a credit card, the bank will check the accuracy of the information provided by the borrower and his credit history. The response time of the bank, as a rule, takes 2 days.

After a positive answer is given, you must either come to the bank branch , or invite a courier to the house to sign the contract and receive a credit card.

Credit card activation can be done by phone. To do this, you need to call the toll-free number of Renaissance Bank, dictate to the employee the details of the loan agreement and passport.

As for the size of the credit limit, when determining it, the bank carefully studies the borrower's credit history, checks his financial condition, conducts risk analysis, and so on. When using funds from the card (within a certain limit), after the full repayment of their obligations, the limit will be fully restored.

Features of repayment of monetary obligations on credit cards from Renaissance Credit Bank

Renaissance Bank offers borrowers to use the following methods of repayment of loan obligations:

1. Payment via the Internet:

• on the Renaissance Credit Bank website;
• through Sberbank Online@yn;
• via the Internet - a bank of other banks;
• through the payment systems "Yandex Money", "Contact".

2. Cash payment:

• branches of Renaissance Credit Bank;
• branches of partner banks: Sberbank, MDM Bank, Vozrozhdeniye, Promsvyazbank, Interkommerts Bank, SDM Bank and others;
• ATMs of other banks;
• terminals: Platforma, Elekset, Qiwi and others;
• Uniastrum, Rapida, Zolotaya Korona transfer systems;
• communication salons: MTS, Beeline, Svyaznoy, Megafon;
• retail chains: Euroset, Eldorado, Technosila; "M. Video, Atlant Computers;
• Post office;
• workplace accounting.

Payments must be made in advance, trying to avoid delays. Late payment on a credit card is a violation of the terms of the contract and entails the accrual of penalties and fines.

Renaissance Credit Bank offers customers assistance in controlling credit card spending. Such control options are available as Internet banking, receiving SMS, calling the bank, writing to the bank by e-mail and others. Thanks to this, each credit card user can plan their expenses in such a way as to replenish the credit card with funds at the right time.

Credit Card Benefits

The main benefits of credit cards are as follows:

• application of RenBonus customer loyalty programs (the ability to accumulate points, accrue interest on purchases);
• 24-hour access to funds, regardless of the opening hours of bank branches;
• zero interest grace period to save money;
• misappropriation of funds;
• sufficient cash limit for withdrawal;
• transparent lending conditions;
• the possibility of using credit cards both throughout our country and abroad.

(2 ratings, average: 5,00 out of 5)

Russian Bank Renaissance Credit offers its customers a range of convenient, profitable and interesting credit cards.

A credit card from Renaissance Bank makes it possible to obtain a loan on favorable terms. Renaissance Bank customers who have reached the age of 20 can open a credit card with a huge number of advantages. Plastic holders can take out a loan with a maximum amount of up to 300 thousand rubles, a grace period and the accumulation of bonus points.

Issuing a card is fast and takes no more than one day. The client is not required to collect a large package of documents.

To apply and receive a card, you do not need to provide proof of income, a Russian passport is enough.

Main advantages cards are:

• high credit limit: from 5 to 300 thousand. rubles;
• long interest-free period of use: up to 55 days;
• during the grace period, you can make purchases and other transactions without cashing out;
• cash back from 1 to 500%;
• free card issue without commission;
• the ability to order a card via the Internet;
• exclusive and beautiful appearance of the card;
• you can get a Renaissance credit card less than 15 minutes in one of the bank's offices;
• the possibility of free redemption in Euroset stores;
• cash withdrawal at any bank in the country.

Despite the large number of positive reviews about the Renaissance Credit credit card, this bank product, of course, has its drawbacks. Perhaps insignificant for someone, but still they are. The main disadvantages of the card:

• too meager amounts for withdrawal and replenishment in other banks;
• information by SMS paid;
• it is impossible to independently set limits on such operations as: cashing out per day, online purchases and purchases abroad;
• you need to pay 300 rubles / month for maintenance, even if the card is not in use;
• service bills will accumulate even if the account is reset to zero;
• the bank reserves the right to change the conditions of the bonus program and the card without agreement with the client;
• if you wish to receive funds in dollars or euros, the client must notify the bank 4 days in advance! And in order to receive an amount over 500 thousand, the client is obliged to notify the bank 3 working days in advance.

Transparent card

The limit on this card is 300 thousand rubles. Interest-free period of use is 55 days. Cardholders can receive Cash Back from 1 to 10% of the total cost of purchases. The interest for the year is selected by the bank individually and can be from 24% to 39.9% per year. In the first year card service is free, in the future, 900 rubles are charged per year.

The bank selects the tariff, due to which the withdrawal of money occurs, is limited (40%, 50%, 70%, 100%). The client also has to pay a commission of 2.9%.
You can deposit the amount in the Euroset; using payment terminals "QIWI"; through the systems "Eleksnet", "Contact", "Unistream"; and partners of the Russian Post Bank.

Credit Card Express

Unlike the Transparent credit card, the Express card does not have the owner's name written on it. The loan limit and the interest-free period fully coincide with the "Transparent". Total payment of commission on the loan for the year is 42%. However, the client cannot make a payment of less than 3% of the loan debt. Maintenance and issuance of the card are free!

Transport Card

The owner of this credit card receives a loan of up to 300 thousand rubles, with an interest-free period of 55 days. The annual percentage of the loan is 39%. Also, the holders of these cards can pay for travel in the Moscow metro.

Credit card beauty and health

This card allows you to receive discounts on goods and services under the discount program. Limit - 300 thousand, provided at 42%. Interest-free period — 55 days. And the annual maintenance of the card costs 600 rubles.

Renaissance Credit Megafon

A good option for those who need a credit card not only to buy goods and services, but also for those who want to receive mobile phone bonuses. The interest-free period, like on all cards, is 55 days, and the limit is selected personally and can be up to 300 thousand rubles. The annual percentage starts from 36%. Card maintenance is free.

There are two ways to become a cardholder. Both methods are extremely simple.
First: you need to visit the nearest branch of Renaissance Bank. It is enough to have only a passport with you. No other documents will be needed, because a bank employee can find all the necessary information by name and surname. If the candidacy is approved, you need to wait no more than 20 minutes and get a card.
The second way is to fill out an online application for a credit card on the Renaissance Bank website. To do this, fill out a special questionnaire, and all information will go to the bank employees for processing. On the application form, write:

• first and last name;
• region/region where the customer is located;
• phone number and email.

When processing information, it is mandatory to check whether there are outstanding obligations or unfavorable credit conditions. With a positive decision, an SMS is sent to the e-mail, or a bank employee calls and informs which branch of the bank you need to come to. With me must have a passport, because the bank will re-check the data.

After receiving the card, you need to activate it. This can be done in two ways:

• in the bank;
• on one's own.

The easiest way to activate the card is to ask a bank employee. He, of course, will perform this procedure on his own. It also records keywords so that they can be restored in case of loss or theft. But if for some reason it was not possible to stay at the bank for a long time, then you can activate the card yourself.
For self-activation of the card, you only need to call the hot number of the bank and ask a consultant to help. The online consultant will ask for passport data and ask one of the security questions. After receiving the answers, the online consultant will guide you until the card is activated.

The only thing worth remembering is that after activation, the cardholder will not be able to state that he did not know any clause in the contract. So before activating the card, it is recommended to read the entire contract completely and carefully!

And only if everything suits you, you can use one of two methods to activate the card.

Renaissance Credit- This is a large metropolitan commercial bank. Was founded in 2000. The main activities of the bank are the issuance of cash loans and for the purchase of goods in partner stores, the bank also accepts deposits from the public and assists in the acquisition of securities on the stock exchange. The controlling stake in the bank belongs to the group of companies of Mikhail Prokhorov. The main source of funding for a financial institution is the deposits of individuals. The main advantage of the organization is the provision of loans to the population on the most favorable terms. To apply online for a cash loan, you only need to provide passport data and contact information. A loan decision is made online within a couple of minutes.

To enter your personal account, go to the official website of Renaissance Credit Bank at www.rencredit.ru and in the upper right corner click on the "Internet Banking" button.

The system will redirect you to the login form for the personal account of a credit financial institution. To enter, you must enter the username and password received during registration.

In response, you will receive an SMS from the bank with a one-time login password. The temporary code is valid for 5 minutes.

The main features of the personal account Renaissance Credit:

1. History of the movement of funds on the account
2. All your active banking products and general information on them
3. Payment for services (mobile communications, TV, Internet, housing and communal services, taxes, traffic police fines, etc.)
4. Money transfers (between your accounts and cards, as well as to any other banks)
5. Loan repayment (early or next payment)
6. Deposits (opening, closing, withdrawal of interest). Deposits in the Internet bank can be opened at an increased rate (compared to the bank office).
7. Loans (balance of debt, interest rate, repayment schedule, next payment date)
8. Credit cards (application for a credit card, terms of use)
9. Card blocking (operational blocking of a bank card in case of loss)
10. Card reissue (if the card is broken or is about to expire)
11. Bank card activation ( new feature)
12. Change card PIN ( new feature)
13. Feedback from the bank
14. Exchange Rates
15. Search for the nearest ATMs and branches

Advice! When you first log into your personal account, the system will prompt you to change the temporary password to a permanent one. When creating a password, do not use simple combinations and data from your social media accounts for security purposes.

Many customers have long appreciated the convenience of the bank's personal account, because it has all your deposits, cards and loans at a glance. You can transfer money from account to account, pay for services, taxes, traffic police fines, open deposits and repay loans anytime and anywhere where there is Internet access.

If you still do not have a personal account, then you can register it at any time. To do this, on the main page of the official website, click on the "Internet Bank" button in the upper right corner, then click the "Register" button under the login panel. The registration page for a new user of your personal account will open.

Registration of an account takes place in several stages:

• We indicate (at your choice) the number of the card, account or agreement
• Enter your full name
• Specify the mobile number to which your banking service agreement is linked
• Click the "Next" button
• Enter one-time code from SMS
• We get a login and password to enter Renaissance Credit Internet Bank

Note! Only customers who received a card after June 14, 2016 can register a personal account through the website. Customers who received the card before this date can register in the Internet bank only by visiting the bank branch. When visiting the bank, do not forget to take your passport with you.

The procedure for recovering a password from the Renaissance Credit personal account seems to be the same as registration. You will need to re-enter your card or account number, full name. and mobile number on the page www.rencredit.ru. A temporary password will be sent to your mobile to enter the office. After that, you will be able to enter the office and change the password to a more complex and convenient one for you.

The whole procedure takes 1-2 minutes. Sometimes SMS arrives with slight delays, it depends on your mobile operator. If the code has not arrived on your phone, please contact customer support at 8-800-2000-981.

Mobile application Renaissance Credit

If you are often not at your computer and you need a bank at hand, then you need to install the Renaissance Credit mobile application on your smartphone. The app is free and available for both iOS and Android phones. The application has all the functionality of a personal account in the Internet banking service: you can make payments and transfers, replenish your cards, open deposits, repay loans, and much more. To enter the mobile application, the username and password from the personal account of the bank are used.

If you have not yet registered your personal account, you can register directly in the application immediately after installing it on your device.

To download the mobile app to your smartphone, go to your gadget's app store (Google Play or App Store) and type "Renaissance Credit" in the search bar.

In the search results, the application you are looking for will appear first in the list. Next, click the "Install" button.

After that, within 1-2 minutes, a new icon with the bank's logo will appear in the menu of your mobile device. Now you can use mobile banking.

In the mobile application of Renaissance Credit Bank, you can perform the following operations:

1. View information about accounts and cards (balance, details for transferring to a card)
2. History of operations in the Internet bank
3. Analysis of income and expenses
4. Opening deposits (in rubles and foreign currency)
5. Money transfers (between own accounts and cards, as well as to other banks)
6. Payment for services (mobile communications, Internet and TV, utility bills, fines and taxes)
7. Search and payment of traffic police fines
8. Card blocking (in case of theft or loss)
9. Search for nearest branches and ATMs
10. Feedback from the bank
11. Personal promotions and offers
12. Bonus account balance and the ability to compensate for one of the purchases with accumulated points
13. Current exchange rate
14. Notification settings

You can download the official Renaissance Credit mobile application using one of the links below:

There are several ways to activate a Renaissance Credit bank card:

• Bank hotline
• In internet bank