Hi all!

Today I want to tell you how we bought a dishwasher in the Eldorado store with installments and without overpayments with Home Credit Bank, and as a result we received a good additional discount!

When we completed the renovations and moved to a new apartment, you understand, finances were a bit tight. That’s why we had this kind of emptiness in our kitchen for two years.

This is the place for the future dishwasher.

For two years I nagged my husband about the need to buy it, especially since I had a dishwasher at my old place of residence, and I already appreciated all the ease of use.

After looking at prices in various online stores, I noticed such a promotion as "installment plan without overpayments" , it turns out that you buy a thing, and then in equal parts over the course of, for example, two years, you deposit money and pay its cost.

What we need, I thought, but after reading the reviews, it turned out that not everything was so simple, many wrote that bank employees always try to impose additional services and the result is not an installment plan, but a loan.

But it was, it wasn’t, and as a last resort, if they start selling additional services, you can always refuse.

I chose a dishwasher model on the Eldorado website, there was already a good discount on it and pressed the button, pay in installments . In Eldorado there was only one borrower bank option" Home Сredit Bank".

I applied for an installment plan for my husband, since I myself cannot boast of a stable good income, I will say right away that your salary should be at least 1.5 times higher than the cost of the item you are taking, otherwise the installment plan will not be approved.

Having filled out all the necessary data online, including passport data, including the phone number of my place of work!, I indicated my husband’s phone number. Within half an hour, an employee of the Home Credit bank called him back and spent a long time “verifying” the information, as a result, the loan was approved!

The next day, my husband brought a dishwasher and documents from the bank.

By the way, despite the purchase of goods in installments, bonuses are transferred to the Eldorado card!

And then a surprise awaited me.

The cost of the dishwasher on the Eldorado website was 34599 rubles

But the sales receipt and the bank agreement indicated a different value 31139 rubles!

It turns out that the “So-called Installment plan” is issued essentially as a regular loan with an interest rate of 10.13% per annum. There is simply an agreement between the bank and the store, according to which the store sells goods to the bank at a discount of that same 10%.

Moreover, everything is fair, we had to repay our “loan” in equal monthly payments within 24 months (2 years). The total amount was exactly the cost of our dishwasher in Eldorado.

Payments can be made in your personal account on the Home Credit website, everything is very convenient, when transferring, for example, from a Sberbank card, the percentage is minimal.

I advise you to make payments in advance, and not on the last day, so that there are no discrepancies, since in case of delay they charge 0.1% per day!

Having carefully read the agreement, I read that when repaying the loan ahead of schedule, with the first payment, no interest is charged.

When the time came for the first payment, my husband decided to repay everything at once, well, the man doesn’t like loans.))

As a result, we bought our dishwasher with a 1-month grace period and at a cost of 10% less!

My conclusions

• Installment plans in household appliance stores are an excellent opportunity to buy an item without having the entire amount of cash at once.

• In the case of Home Credit Bank, no additional services were imposed on us, maybe because the installment plan was done online.

• If you have arranged an installment plan with Home Credit Bank, I advise you to carefully and in a timely manner make payments so as not to fall into financial bondage of loans and debts.

• And if you have money, installment plans are a good way to save money and get an additional discount when purchasing goods.

By the way, a review about my super-helper dishwasher

The Home Credit Eldorado card is significantly different from other bank cards. It is a joint product of Home Credit Bank and the Eldorado network, providing the right to make purchases on credit on loyal terms at all retail outlets of the well-known network.

The card was issued free of charge by Home Credit Bank specialists at the counters of Eldorado stores. The size of the credit limit was determined based on the client’s credit history.

Currently, the release of new cards has ended. The Eldorado Home Credit credit card received before July 1, 2017 continues to be valid under the same conditions.

If you have a valid agreement, Eldorado Home Credit card bonuses continue to be awarded. In this case, the grace period (preferential period) is 51 days.

Clients cite the following conditions as the advantages of using a credit card, look at the photo:

Significant bonuses are credited to the card for every purchase made in all Eldorado stores, including goods purchased via the Internet. These bonuses are valid for 180 days. And the main advantage is that 1 bonus is equal to 1 real ruble.

The Eldorado network and Home Credit Bank guarantee the accrual and receipt of bonuses on the card. With accumulated bonuses you can pay up to 100 percent of the cost of any product.

Rules for accumulating and using bonuses

You have the opportunity to pay for purchases in Eldorado online stores, make payments for other purposes through Home Credit Bank’s online banking, and provide an installment card when paying at the store’s cash desk. Bonuses are awarded daily upon completion of transactions. They can be seen on the user’s personal account page 7 days after accrual.

You can check bonuses in your personal account on the Eldorado website.

They are divided into three groups:

• accessible,
• active,
• inactive.

Find out how many bonuses you received in a way convenient for you:

How to pay for a purchase with a Home Credit Eldorado card

If you make a payment in a store, you need to inform the employee at the checkout that you want to use the accumulated bonuses or part of them. You have the opportunity to write off the entire purchase price by paying only one ruble.

If payment is made for goods purchased in an online store, then when placing an order you need to enter in a special field the number of bonuses with which you plan to pay.

What do the owners think?

Users leave positive and even rave reviews about the Home Credit Eldorado card.

Tatiana, Rostov-on-Don:

“I received the card during a purchase at an Eldorado store. At first I didn’t really understand why I needed it, because I’m not a regular customer. But then I heard from a friend that you can pay for housing and communal services through Home Credit Bank’s online banking and receive cashback for it. Now this is the only way I make payments using receipts; I plan to make a big purchase using the accumulated bonuses.”

Nikolay, Ryazan:

“I bought an apartment and am furnishing it. I use the card all the time, buy all household appliances in Eldorado and receive nice bonuses for it. I learned how to correctly collect bonuses for large planned purchases. Thank you to the bank and the store for providing such a profitable opportunity.”

Feedback from a client under the nickname Penguin2000:

The Home Credit-Eldorado credit card is a bonus project that allows its holders to make payments for purchases in Eldorado stores, as well as in any other retail chains. Credit cards have a number of features that attract consumers with the possibility of issuing them:

• the possibility of placing your own funds on the account, the non-cash payment of which gives the right to receive bonus accruals;
• free registration and no commission for card services;
• the presence of a chip that provides additional security for calculations;
• a credit card can only be used as a means of non-cash payment;
• accrual of bonuses when making a purchase according to established tariffs.

A credit card can be issued within one day by submitting a request for review electronically. The offer is available in Moscow and other regions of the country to citizens over 21 years of age. To obtain a plastic certificate, you must submit a minimum of documents that allow you to assess the reliability of the candidate.

Credit terms as an indicator of product benefits

For those who decide to apply for a credit card, the bank is ready to offer the following conditions for using funds. The maximum plastic limit is 300 thousand rubles, which can be used for payments in retail chains and via the Internet. The presence of a grace period (51 days) increases the attractiveness of plastic. If it is not possible to repay the loan within the allotted period, the bank will charge an interest payment calculated on the balance of the debt, the amount of which is 33.9% per annum. For residents of Moscow, its use is of particular relevance.

Recently, the market for loan offers in Russia has stabilized. Almost all credit institutions issue funds to clients at the same interest rates. To distinguish their organization from everyone else, banks began to offer fast credit cards with additional bonuses and an excellent service culture.

There were so many offers on the market that it was already difficult to distinguish one credit institution from another. The main feature of instant cards is that many residents of Russia can receive them in a short time and only with a single passport, without income certificates and other mandatory documents.

Clients no longer need to collect dozens of papers, as was the case before. After all, the process has been simplified several times. This is the best feature of this product. However, it is important not to forget about the other side, which does not always involve favorable conditions for clients.

Key terms

All clients who contact the bank receive the following conditions:

• instant credit cards are more expensive to issue than their counterparts;
• the loan is charged a higher interest rate for the use of finance;
• credit limits are much lower than other cards.

Now home credit is trying to create the most loyal lending conditions for clients. Borrowers can apply for a credit card for their purposes in the shortest possible time by filling out an application online.

Benefits of an instant credit card

Now a home loan credit card has the following advantages:

• the registration procedure takes no more than 30 minutes;
• if there is no debt, clients do not need to pay anything;
• over time, the size of the credit line increases;
• To obtain a card you need a minimum package of documents;
• There is no service fee.

For this reason, customers can order credit cards on the bank’s website at any time and enjoy all their benefits.

Credit cards

Home Credit Bank currently offers the following credit cards:

1. Visa Platinum. To apply for it, you do not need income certificates. Clients have 5% bonuses at “Gas Stations” and “Restaurants”. The interest rate of such a credit card ranges from 29.9 to 49.9%. Maintenance per year costs 4990 rubles.
2. Visa Gold. To obtain it, you do not need income certificates. Cardholders can receive a 3% bonus in the “Gas Station”, “Cafe” and even “Travel” categories. Maintenance per year is 990 rubles. Interest rate from 33.9 to 49.9%.
3. Home Credit - Eldorado. The card is issued without income certificates. Interest rate – 33.9%. Bonuses up to 5.5% are provided in all Eldorado stores. When paying for orders in the online store, you can receive bonuses in the amount of 3.2%. And for purchases from other organizations 1.5%.

In all cases, cards are issued free of charge and within 15 minutes. The credit limit is up to 300 thousand rubles. The grace period in all cases is 51 days. You can also connect to these cards an SMS package, Internet banking, insurance, mobile banking, and email notifications.

It is important to know that the bank has also provided a system of fines for borrowers who violate the terms of use of funds. After the first delay, customers will have to pay 500 rubles. If there is a delay in the second month, the borrower will need to pay 1000 rubles, and for the third month – 1500.

How to get a credit card from Home Credit Bank?

Recently there has been good news that you can get a credit card quickly and for any purpose. First, an application for a credit card is submitted, which includes the following information:

Home Credit Card - Eldorado: cashback up to 5.5% for all purchases with Eldorado bonuses

5 (100%) 1 vote

With the new Home Credit - Eldorado card, accumulating bonuses for your usual purchases will become much faster, because up to 5.5% cashback from purchases on the new card is returned in the form of Eldorado bonuses! Although the card is a credit card, it is absolutely free, and even with a fair grace period of up to 51 days - just fabulous conditions. Externally, the card is a classic chipped Visa card without the contactless payment function:

Cards are issued directly in Eldorado stores.

To do this, contact a credit specialist of the Bank (at the appropriate counter); if such a specialist is not available, go directly to the cash desk.

Before visiting the store, make sure whether this particular Eldorado issues Home Credit - Eldorado cards using a special service. To do this, select “Always Yes” in Eldorado in the filter:

Registration of the card takes no more than 15 minutes (of course, the card is unnamed), for registration you need a passport or any document of your choice: driver’s license, SNILS or foreign passport:

If you received an SMS offer from the Bank, then only a passport is required for registration.

It is during the process of issuing a card that your initial credit limit on the card will be approved. In the future, taking into account the dynamics of its use, the Bank may change it at its discretion. Home Credit's requirements for obtaining this co-brand are as follows:

Of course, you don’t need to bring any certificates, work books or other statements to Eldorado to receive a card - the data will simply be recorded from your words without verification. The main check that the Bank will perform is a request - in fact, on its basis a decision will be made.

If the Bank denies you a credit limit, this card can simply be used as a regular Eldorado Club bonus card (if you don’t already have one) on the general terms and conditions and in accordance with the Club rules.

The card received from the Eldorado store has already been activated; you just need to set the PIN code in any convenient way:

If you want to receive a personalized card, then you need to contact any Home Credit office with the received non-registered one. The period for issuing a personalized card will be from 5 to 15 working days; according to the terms of service and cashback, the card is not inferior to a non-named one.

It doesn’t matter whether you have a personalized card or a standard non-registered one - the issue and maintenance of this card is free without any conditions or pitfalls.

By the way, this is the only free credit card from Home Credit Bank available to a wide segment of clients.

But it’s not even the fact that the card is free that makes it different from all the others, but a solid cashback.

Cashback on Home Credit card - Eldorado

For all purchases made using the Home Credit – Eldorado card, cashback is awarded in the form of Eldorado bonuses:

• for purchases in Eldorado retail stores - 5.5% of the purchase amount;
• for any purchases in the Eldorado online store and for any purchases (in retail stores or online stores) of goods on promotions - 3.2% of the purchase amount;
• for any other purchases (made outside Eldorado stores) - 1.5% of the purchase amount.

The numbers are quite good. Even though this is cashback in the form of bonuses, it can be easily exchanged for a discount of up to 99% at a 1:1 rate when paying in any Eldorado retail or online store, so the accrual conditions are quite decent, especially for a free card.

Bonuses are credited 7 days after making a purchase:

and are reflected in the Eldorado personal account (not in the Home Credit Internet Bank!):

In general, all bonuses at the Eldorado Club are divided into three groups. In “Inactive” - bonuses are reflected immediately after making a purchase, after 14 days they will move to the “Available” group and they can be changed for a discount, and “Reserve” are bonuses that are frozen, but are not actually written off from the bonus account, they are written off after confirmation of receipt of the goods (i.e. the concept of “Reserve” bonuses occurs only when paying in the Eldorado online store).

It is important to note that 1.5% cashback in the form of Eldorado bonuses also applies to payments made in the Home Credit Internet Bank, including housing and communal services, communications, Internet, state duties, taxes and fines!

This is a significant, very significant advantage of the card! Finding a free card that accrues cashback for the same utilities is an almost impossible task, so the new card has a significant advantage in this aspect over other cashback cards.

You don’t even have to use this card as your main one, but, for example, only pay for housing and communal services and communications with it - in any case, the bonuses accrued for such payment will not be superfluous.

Bonuses “live” for 180 days from the moment they are credited, so have time to spend:

Bonuses are awarded for any card transactions, except:

How to exchange accumulated bonuses for a discount?

When paying in a retail store, tell the cashier that you want to write off some or all of the bonuses. Bonuses are written off at a rate of 1:1 and in relation to the purchase made are a discount:

When paying in the online store eldorado.ru, when placing an order, select your card to write off the bonuses accrued to it. Bonuses will be withheld and transferred to the same “Reserve” status that we wrote about above. As soon as you receive the goods (by courier or pick-up in the store), the bonuses will be completely debited.

Whatever method you use, even if you have enough bonuses to pay for the entire purchase, at least a ruble, you will have to spend - in any way - in cash, from a Home Credit - Eldorado card or from some other card:

It is somewhat reminiscent of the rules for writing off bonuses - there you also need to pay at least a ruble to get a 99% discount.

You can exchange bonuses for a discount for any purchases in Eldorado, except:

Thus, if the check contains at least one item from this list of exceptions, you will be able to exchange bonuses for a discount for the entire remaining amount of the check, with the exception of the amount of this item and 1 ruble.

Credit line card Home Credit – Eldorado

This card allows you to enjoy a 51-day grace period.

Detailed rules for the grace period on a credit card are described in.

The interest rate for purchases on the card is 33.9% per annum, which is quite high. But if all debt is paid off during the grace period, it will be equal to zero.

Therefore, here, as elsewhere, we recommend using Bank credit funds only if repaid within the grace period. Otherwise, the whole point of accumulating bonuses will simply lose its meaning - all these bonuses, even assuming that these are real rubles, will be “eaten up” due to such a high interest rate.

The maximum credit limit can be up to 300,000 rubles, the minimum payment is 7% of the debt amount.

Home Credit – Eldorado card has limited functionality: you cannot withdraw cash from it.

This restriction may be for the benefit of the client, because will not lead the client into “credit bondage” due to traditionally large fines and fees for withdrawing money from a credit card. Therefore, we use the card only for purchases and making payments in Home Credit Internet Banking.

Neither the tariffs for the card nor the conditions for calculating cashback contain a requirement to make purchases strictly at the expense of the credit limit. Therefore, if you don’t like credit cards, but the conditions for accruing cashback on this card interest you, the card can be used as a regular debit card: just place your own money on it and spend it, not paying attention to the credit limit and other features related to servicing a credit card.

The SMS package service is paid and costs 59 rubles per month, but is applied only if at least one transaction was made on the account during the month.

By default, the SMS package is disabled. You can activate and deactivate the service in Internet Banking and the mobile application.

The Bank's remote services are free, functionality and interface are decent:

The card does not have a contactless payment module, it also cannot be added to Samsung Pay or Apple Pay, and it seems that it cannot be added to Android Pay either - Home Credit Bank has not expressed a desire to connect to this technology.

Who is the Home Credit – Eldorado card suitable for?

1. For those who like to make purchases in Eldorado and who want to accumulate Eldorado bonuses faster;
2. For those who are planning to make a large purchase in Eldorado;
3. For those who would like to receive 1.5% cashback on all purchases (instead of the standard 1% as with most other cards);
4. For those who want to get a free credit card, which can also be used simply as a “debit”;
5. For those who want to receive cashback for paying for housing and communal services, cellular communications, the Internet, state fees and fines.

Even if you visit Eldorado occasionally, it’s worth getting a card at least for the last reason - you still have to pay for utilities, so why not get bonuses for this, which you can then spend on paying for something in Eldorado? How will you use the new card?