Credit cards are one of the most popular banking products today. Banks strive to attract as many customers as possible: they issue multifunctional credit cards that allow not only paying for purchases profitably, but also receiving cash loans. An example is the Auchan credit card issued by Credit Europe Bank CJSC, it is received online or a card is issued in any of the hypermarkets of the same name.

What is an Auchan credit card

The Auchan card is a credit product that operates on the basis of the international payment system Visa International. It has all the functions of a classic banking plastic - payment for goods and services by bank transfer and online in Russia, abroad, you can place your own money on it, withdraw cash from ATMs and self-service terminals.

Auchan Loyalty Card Features

The Auchan Visa Classic card is issued in any city where Auchan hypermarkets are present. Provides an opportunity to accrue additional bonuses for purchases in the store and the purchase of goods via the Internet from partners of Credit Europe Bank, which provides the issuance and financial support of payment systems. Any resident of the Russian Federation can get plastic.

Discount program

There are discounts for regular customers for each purchase in partner stores. To receive discounts, pay for purchases with Auchan plastic:

• capital jewelry factory Adamas" - 5%;
• network of dry cleaners Nikko" - 10%;
• network of watch salons "3-15" - 5%;
• store chain of goods for animals "Manul" - 5%;
• Garmin company - 5%.
• Imperial Porcelain Factory - 5%;
• Our gold - jewelry salon - 3%;

bonus program

When purchasing goods from the Auchan, Auchan City, Atak hypermarket chains and the Auchan online store, bonus points of 1% of the amount are awarded, which can later be exchanged for a gift certificate at the rate when one point is equal to one Russian ruble.

• when paying for purchases in Auchan and Auchan city stores, 1% of the check amount is charged;
• payment in other stores of the Russian Federation, abroad and purchase via the Internet - 0.8%;

Terms of crediting on the Visa card from Auchan

An Auchan bank card is considered a credit card with an overdraft, that is, the plastic holder can use not only his own funds that are in his account for a certain period at interest. Tariff and service conditions for Moscow and the regions are different. An interest-free grace period of 50 days has been established.

Interest rate

Cardholders can borrow money from the bank at 27% per annum for Moscow and Moscow Region and 31.5% for other regions. When paying the full amount of the debt, which is indicated in the statement before the date of payment, no interest is charged. The loan is repaid by paying the minimum monthly installment, which is 3% of the debt, the minimum payment is 200 rubles. If the cardholder does not pay the loan payment on time, the bank has the right to charge him an alternative rate of 59.9% per annum on the unpaid amount of the monthly payment.

Presence of a grace period

There is a grace period when you can repay the debt without accruing interest. The grace period is 50 days. It starts immediately from the day the loan is granted to the nearest payment date inclusive, but not more than 50 days, depending on the date of the transaction. The interest-free period applies to the payment of any goods and services.

Credit limit

The Bank sets a limit on the provision of funds on credit based on a preliminary assessment of the holder's solvency, which is provided by the client in the application. The size of the credit limit can be changed depending on the change in the client's income and the amount of use of the bank's funds by him. It is planned to increase the credit limit due to the issuance of borrowed funds to the client by the bank. The standard credit limit is RUB 250,000.

Validity and payment terms for the loan

Repayment of funds borrowed from the bank is carried out in monthly installments. The mandatory payment, in addition to the recommended amount of the mandatory payment (3% of the amount owed), includes other charges: penalties, interest, commissions under the contract, the amount of the overspending amount, payment for the insurance program. Payment date - every 20th day from the date of formation of the settlement statement, which is set on the 10th and 20th day or the last day of the calendar month.

The Auchan card provides for a number of fines and penalties in case of violation of the established payment procedure:

• in case of non-repayment of loans or non-payment before the payment date, 20% per annum is charged, which are charged on the amount of overdue debt and accrued interest;
• late repayment penalty - a commission is charged, which is the full amount of overdue commissions (maximum 700 rubles), multiplied by the number of unpaid payment periods;
• the penalty for non-payment of overexpenditure of funds for the period up to the date of payment inclusive is 0.08% daily of the amount of outstanding overexpenditure.

Card maintenance cost

A credit card is issued for three years, the annual commission is 350 rubles, the money is debited on the day of the first debit transaction. The release of additional plastic is provided, the service for the first year is free, the second year - 175 rubles. The SMS service is paid (with the exception of the free first month), then 50 rubles for the main one, 50 rubles for the main one. for extra. Checking the balance at an ATM of another bank costs 30 rubles. A personal Internet account is provided to the cardholder free of charge.

Commissions and payments

For Auchan cardholders, the following commissions and payments are provided:

Commissions and payments	Amount, rub.
Amount of annual basic maintenance (from the second month)	350 for Moscow and 470 for regions
The amount of annual service additional
Withdrawing funds from an ATM	No more than 25% of the loan approved by the bank
Daily limit for cash withdrawals at ATMs and cash points
Commission for cash withdrawals at ATMs and cash points	4.5% (minimum 399 rubles)
Crediting cash to an account at ATMs and branches of JSC "Credit Europe Bank" by card	for free
Crediting cash to an account at ATMs and branches of Credit Europe Bank JSC through a cash desk
Commission for reissue in case of loss, damage
Providing an extract by e-mail when contacting the branch	for free
Providing a mini-statement at an ATM

Documents for registration

To receive a credit card with an Auchan Visa overdraft, you must present a passport of a citizen of the Russian Federation, when applying for a credit limit above 140,000 rubles. you must submit the following documents:

• certificate of income in the form of 2-NDFL;
• certificate of employment and income in the form established by the bank;
• a statement on the salary account, which was opened in the name of the client, which indicates all transactions on the account for the last four months;
• if the client is an individual entrepreneur, it is necessary to provide a certificate of state registration of an individual entrepreneur and a tax return.

Requirements for the borrower

The Auchan Visa Classic card is issued if the client meets the following requirements:

• citizens of the Russian Federation, over 18 years of age;
• work experience less than 4 months;
• registration at the place of residence on the territory of the Russian Federation for at least three months;
• the obligatory presence of three different phone numbers in the region of actual residence - a landline phone or a mobile phone for contact, at the place of residence, at the place of work.

Auchan discount card - how to get

You can apply for an Auchan card at any branch of CJSC Credit Europe Bank, at special counters in the retail chains of the same name. In addition, you can apply online for a card with an Auchan overdraft. The card is issued upon completion of a specialized questionnaire, which contains all the required information about the client.

Online application

On the bank's website, the client fills out a questionnaire that contains information about his full name, place of work, income, place of residence, contact numbers. It should be remembered that the online application procedure is preliminary, in order to provide documents, the client will need to go to the branch of Credit Europe Bank CJSC or contact a bank card specialist in the Auchan supermarket.

In a hypermarket with a loan officer

Each Auchan hypermarket has a loan officer who can advise you on the conditions for providing plastic and help you fill out an application. The Auchan card is valid in the following cities where stores operate: Moscow, St. Petersburg, Nizhny Novgorod, Rostov-on-Don, Novosibirsk, Yekaterinburg Kazan, Chelyabinsk, Ufa, Omsk, Voronezh, Ryazan, Ulyanovsk. The decision can be made on the same day, activation is done independently.

At the Europa Bank office

The client can come to any branch of CJSC "Credit Europe Bank" to apply for "Auchan Visa Classic". A bank employee will provide you with an application form and check the originals of the required documents that confirm the information specified in the application form. If the bank makes a positive decision on the issuance, the bank representative submits a cooperation agreement for signature, which specifies all the conditions for working with the card. It may take several days for the card to be issued. In case of a negative result, the financial institution reserves the right not to disclose the reason for the refusal.

Advantages and disadvantages

Auchan bank credit card is a convenient tool for non-cash payments in the Russian Federation and abroad. Benefits of the card include:

• high credit limit;
• affordable cost of annual maintenance;
• long (50 days) grace period;
• wide bonus program;
• the presence of a chip, the possibility of contactless payment for purchases;
• bonus points for purchases in the Auchan hypermarket and other stores;
• possibility of use abroad.

There are also significant disadvantages:

• very high interest on arrears (59.9%);
• cash withdrawal limit per day;
• high interest rate (27% for Moscow and the Moscow Region, 31.5% for the regions);
• confirmation of income with a 2-personal income tax certificate is required;
• paid SMS-informing.

How to close the Auchan card

If desired, the client can terminate the agreement with the bank and terminate the card. To do this, you need to contact a financial institution or a bank counter in a store:

• apply to the bank with a written application to close the account;
• get a statement of the latest transactions and the availability of funds on the balance sheet;
• balances on the card balance are issued at a bank branch or by transfer to another customer account no later than seven days after the termination of the agreement.

Video

Buying in Auchan hypermarkets will become much more profitable if you have an Auchan VISA Classic bonus card. It is important to note that it differs markedly from ordinary discount grocery cards offered in competitors' retail chains. This is more than just an Auchan loyal customer card, it is, in fact, a full-fledged banking product. The card is supported by the international payment system Visa, and it gives its owners the opportunity to make payments in the Russian Federation, outside the country and on the Internet. In addition, you can withdraw cash from ATMs from it or, conversely, replenish your account.

What are the principles of lending on the Auchan VISA Classic card

Auchan VISA Classic is a settlement debit co-branded card with the possibility of overdraft lending. Moreover, the grace period for it is as much as 50 days. That is, during this time you can return the funds spent without interest. If you did not meet the grace period, then for you the loan rate will be from 27.5 to 31.5%. The loan is repaid by paying a monthly installment, which is equal to 3% of the total debt (but in any case it cannot be less than two hundred rubles).

Of course, we must be very careful about the process of returning borrowed funds. If the cardholder does not pay the loan on time, the bank has every right to raise the rate to 59.9% per year (such interest will be charged on the unpaid amount). Also, debtors may, for example, be charged penalties for late repayment.

Other features of Auchan VISA Classic

These features, of course, should be of interest to those who want to use this banking product in the future. Here is their list:

1. The Auchan bonus card is valid for two years, then, if necessary, you can order a new one.
2. The card maintenance fee ranges from 350 to 470 rubles per year (depending on the region where the holder lives).
3. It is also possible to issue a second additional card in one hand. Moreover, in the first year it is serviced free of charge, and in the second, the service fee is 175 rubles.
4. The commission for cash withdrawal leaves 4.5%, but not less than 399 rubles. At the same time, you can cash out no more than a quarter of the credit limit.
5. Payment for SMS-notifications is from 50 rubles.
6. Auchan discount card supports PayWave and 3D Secure functions. It also has a magnetic stripe and a chip.
7. Internet banking is provided free of charge.

And one more important addition. On this card, in the upper part, the word Oney is written in large letters - this means that it is served by Oney Bank LLC. This is a commercial bank, part of the French group Auchan. It has been operating in Russia since 2013.

What discounts can Auchan card holders expect?

Perhaps the main advantage of Auchan VISA Classic is the following: by paying with its help, the owner can accumulate valuable bonus points. How to get bonuses on the Auchan card? In practice, everything is very simple: when buying in Auchan or in the official online store of this network, they will be automatically credited in the amount of 1% of the amount spent. When making purchases in third-party online and offline stores, bonus points are awarded in the amount of 0.8% of the value of the check. Subsequently, the cardholder has the right to exchange them for Auchan gift cards based on the following rate: 1 point is equal to 1 ruble.

In addition to pleasant bonuses within the network, Auchan cardholders receive loyalty program discounts from partner companies from 3 to 15%. Examples of major partners include:

• chain of jewelry stores Adamas (discount for all goods purchased with the card is 5%);
• salon hours 3-15 (5% discount on all goods purchased with the card);
• dry cleaning network Nikko (10% discount when paying by card);
• Imperial Porcelain Factory (5% discount).

A complete list of partners is easy to see on the website of the trading network. Interestingly, if the selected partner has its own discount program, then in some cases discounts can be added up.

Under what conditions is it possible to get an Auchan card

Before you get an Auchan discount card, you need to make sure that you meet the conditions that apply to its potential owners. Namely:

1. Cards can be issued only citizens of the Russian Federation over 21 years old and under 65 years old.
2. A client applying for a card must have worked for at least four months at their current place of work. If the client has the status of an individual entrepreneur, he should present a certificate of registration of an individual entrepreneur and the latest tax return.
3. There is one more condition - you need to specify three different phones in the region of residence(home, work and one more additional).

You can order a card on the oney.ru website or in the lending department of the Auchan hypermarket.

It is worth noting the special convenience of the second method - you can immediately go for the goods. In addition, you need to understand that the online application is preliminary and in the end, in order to pick up the card, you still have to visit the selected Auchan store. Today the network is represented not only in Moscow and St. Petersburg. Auchan stores operate, for example, in Nizhny Novgorod, Novosibirsk, Kazan, Omsk, Ryazan, and so on. To apply for a card issue, if you apply for a credit limit of no more than 20,000 rubles, you will need only one document - a passport. And in order for the limit to be more than 20,000 rubles, you will need to provide a second document.

Closing the card, if suddenly you no longer need it, is also not difficult. To do this, you must contact the bank office or at the credit desk in Auchan and write a written application to terminate the contract.

In the Auchan supermarket chain, a loyal customer card implies not only discounts on purchases, but also a credit limit. It is a fashionable and handy tool.

Benefit from shopping

Going shopping, you can not calculate the cost of the purchase to the penny on the go, but use the Auchan loyal customer card. The unique product combines a discount, credit, club and debit card.

The credit card offered by the Auchan chain of stores is a unique solution for the Visa payment system. The product not only has a revolving credit line, but also allows you to receive bonuses for purchases, keep money of the established credit limit.

Each holder receives favorable and comfortable conditions for registration and maintenance. And with the bonus system, it is easy to enjoy not only shopping, but also additional benefits.

Map Features

The Auchan discount card is available to every capable citizen of Russia over 21 years old. The credit limit is determined separately for each applicant, its limits are 20 - 250 thousand rubles.

Among the advantages of the discount, it is worth considering:

• attractive discount program;
• the existence of a bonus system.

The discount involves the accrual of 3% - 10% when making purchases in the Auchan supermarket, as well as partner stores, the list of which is indicated on the official portal of the hypermarket.

You can pay with a customer discount card not only in the Auchan network. With its help, it is convenient to pay for goods, services of other enterprises. Each card holder receives the following bonuses when paying with a card:

• 1% when making purchases in the Auchan network;
• 1% for settlements on the Internet portal Auchan.ru;
• 0.8% for card payments in other stores, including foreign online trading platforms.

Terms of the discount

Everyone who plans to issue an Auchan loyal customer card should keep in mind that before concluding an agreement, you should carefully study its conditions. A credit card issued in a hypermarket, compared to similar products, is a profitable tool that will suit everyone.

The key advantage, according to users, was the grace period, which allows you to return money to your account without paying interest. When asking how to use the service, consider:

• issued only in ruble equivalent;
• the amount of the limit starts from 20 thousand rubles, depends on the solvency of the applicant, while using a credit card may increase;
• the interest rate reaches 31.5% per annum;
• grace period of 50 days;
• the duration of the card is 2 years;
• the minimum payment cannot be less than 3% of the principal amount;
• annual maintenance fee depends on the region, ranges from 350 to 470 rubles;
• using SMS notification will cost 50 rubles a month, and the first month is free;
• the fee for cash withdrawal is at least 399 rubles, for large amounts - 4.5%.

To become the owner of a card for discounts, it is enough to present a passport, a certificate of income. If the limit of up to 50 thousand rubles suits you, you will not have to confirm the income.

Applicants who seek to increase the limit, but cannot document their income level, provide a passport or property documents. In practice, the limit increases significantly after the provision of documents for the car.

You can get a discount in any hypermarket by contacting the credit department, or by applying online

Results

The Auchan hypermarket credit card is popular. The secrets of her success are simple:

• availability of permanent revolving credit;
• ease of design;
• long grace period;
• low cost of annual maintenance;
• the minimum period for consideration of the application;
• a large percentage of approvals;
• minimum documents to receive.

When making a discount from the Auchan network, it is worth considering that the responsibility for using the product is comparable to a regular credit card, so the use of a credit limit, delays in payments can have negative consequences.

I want to express my deep gratitude to the employee V-naya Anna Vladimirovna.

Eastern Express Bank

On October 29, I came to Vostochny Bank to apply for a loan near the Preobrazhenskaya Ploshchad metro station. Cozy atmosphere, polite employees. An employee of the bank, Anna Vladimirovna V-naya, explained everything clearly and clearly and helped in this matter. Very satisfied with the service! More such employees! Many thanks to the management of the bank! I will contact and recommend your bank again. WITH...

Oksana, Moscow

The fact is that I have been a client of the bank for 3 years, I took a cash loan 4 times, two of them ...

I received a credit card in the mail back in September 2013. , didn’t activate it, because there was no need, 2 days ago I decided to activate it, I got through to the operator the first time and without any problems, the card activation took 5-7 minutes, and yesterday I already made the first purchase! After reading the reviews about the bank, I was very surprised, since my opinion about the bank is good! I really hope that after activating the card my ...

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Excellent service

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Locobank has excellent service, they are not rude, there are practically no queues, they explain everything. When I started the card, I could not choose a tariff for a long time, the girls prompted at the bank, asked all my requirements and explained the difference! Amazing patience and customer service!!! Excellent conditions on the card, 10% on the balance - wonderful, no service fee. There are some nuances so that the balance is constantly 40 thousand ...

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I have a Renaissance Credit card Corn Bank. Both registration and service are free - now they are ...

Renaissance Credit

With this card I often intercept money before the salary. Then I return it during the grace period, and in fact I do not overpay anything. True, they charge at least 300 rubles for withdrawing credit money at an ATM, so it’s better to always pay directly, there are terminals everywhere, all the more so. I actually do this) Well, I don’t forget to save bonus points, for each purchase a percentage drops on the card.

Sergey, Moscow

Credit Bank of Moscow

In February, I connected the ICB bonus - the category of clothes and shoes. In May, I noticed that from the moment I connected, they charged 1% for this category. It turns out that in order to charge an increased percentage when paying in stores, they must pay for a certain category, which I should have warned sellers. What kind of nonsense? I have to check how money is debited from the card so that the bank accrues points? There is ...

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I ordered a travel card, a nice percentage

If there was no BCS salary card, I would hardly have known about this bank) I recently stopped by the office to exchange currency before vacation. The consultant told about the updated conditions for credit cards. Well, going to Italy with a credit card is a gamble, you understand)) There are too many temptations. But I bribed a profitable course and the prospect of having a spare card on the trip) The first year is free ...

Natalia, Moscow

User, Moscow

When buying goods, you no longer have to worry about how you can pay for them. With the help of an Auchan credit card, if necessary, you can buy products using borrowed funds. Credit card holders not only enjoy favorable conditions for registration and service, but also participate in a special bonus program.

Hypermarket Auchan is in great demand among our fellow citizens. If a few years ago it was possible to pay for purchases only through the Auchan card, today you can already use VISA or MasterCard cards. But these changes have not affected the popularity of Auchan credit cards in any way, as the owners enjoy many benefits.

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How to get an Auchan credit card?

Rules for ordering a credit card

Asha's credit card is a fairly profitable banking product. This is primarily due to the presence of a grace period, as well as a relatively low interest rate.

But in order to issue such a card, you must meet certain requirements.

Owner Requirements

Borrowers are subject to fairly reasonable requirements. To apply for an Auchan card, you must have citizenship of the Russian Federation. The minimum age of the borrower is 21 years old, but females can apply for a credit card with 20 years. It also provides for the maximum age of the borrower, which is 65 years old. To apply for this credit card, you must work at your last job for at least 4 months. Documents confirming the amount of monthly income are also required. But if the credit limit does not exceed 20 000 rubles, then the card is issued without confirmation of solvency. There is one more additional condition: you must have home, mobile and work phone numbers.

Design principles

Auchan credit card is issued with a credit limit up to 200 000 rubles. The interest rate is from 28.9% to 33% per annum. At the same time, the minimum interest rate applies when making purchases in the Auchan network. In other cases, an interest rate of 33% . Borrowers are also given a grace period of up to 50 days. The card is issued absolutely free of charge. And an online application for an Auchan credit card makes this loan product more attractive. The loan must be repaid monthly. In particular, every month it is necessary to pay not only the amount of accrued interest, but also at least 5% from the amount used. As for the cardholder's own funds, no interest is charged on them. Credit card holders are provided with an SMS service, for which no commission is charged during the first 4 months, after which it will be 30 rubles per month. The cardholder can also take advantage of the cardholder insurance program: the fee for participation in this program is 0,75% from the amount of funds used per month. The cardholder can also use the "Installment Purchase" service in the Auchan network. But the amount of purchases must be at least 5000 rubles. The repayment period can be up to 10 months. Of course, the grace period for lending does not apply in this case, and the interest rate is 27.9% per annum.

The Auchan credit card belongs to the Visa International system and has a renewable limit, while customers can use both their own funds and borrowed funds.

How to use the Auchan credit card

In order to use the Auchan credit card correctly, you must first find out the terms of its use, including the amount of mandatory payments and commissions.

Commissions and payments

Commissions and payments	Sum
The amount of the annual maintenance of the main card	290 rubles
Supplementary Card Annual Service Amount	145 rubles
Withdrawal of credit funds at ATMs	4,5% , minimum 399 rubles
Withdrawal of credit funds in PVN	4,5% , minimum 399 rubles
Balance inquiry at an ATM of another bank	30 rubles
Making a new card	150 rubles
Card replenishment	no commission
Withdrawing own funds from an ATM or cash desk of your bank	no commission
Overspending Penalty	0,08%
Penalty for non-repayment of credit funds	20% per annum

A credit card under the above conditions can be issued at Europe Bank.

Additional services

The Auchan card can be used everywhere: you can pay with it both in the Auchan chain of stores and in other supermarkets, cafes and restaurants. In addition, owners can cash out both their own and borrowed funds. At the same time, when cashing out, the commission is quite small.

By issuing an Auchan card, its holders automatically become participants in a special bonus program. When making purchases in the Auchan chain of stores, they are credited with a bonus in the amount of 1% from the amount of purchases. And when concluding any other non-cash transactions (including on the Internet), the owners receive a bonus in the amount of 0,8% from the amount of the transaction, and the points received can later be exchanged for a gift card in the Auchan store ( 1 point is equal to 1 ruble).

The cardholder is provided with a statement on a monthly basis, according to which you can find out the amount of debt. The statement can be obtained in both electronic and paper form.

You can find out the amount of debt by contact center, which works around the clock

Advantages and disadvantages

The Auchan credit card has both its advantages and disadvantages.

Revolving credit limit is one of the main advantages. This is a rather attractive condition, considering also the fact that the owner can receive a limit of up to 200 000 rubles. Owners are given a grace period of up to 50 days which makes this loan product more attractive.

Benefits can also include:

• no commission for issuing a card;
• relatively low service charge;
• small amount of monthly obligatory payments (total 5% from the amount owed).

In addition, a credit card is issued in a relatively short period of time: the card is issued within a few minutes from the moment the application is submitted. The card is valid for 3 years. As advantages, you can also indicate the presence of a special bonus program, which is actively used by many Auchan card holders.