Installment cards are relatively new to Russian market product. They have significantly expanded the capabilities of simple credit cards due to the ability to use borrowed money for a long time and not pay interest. This attracted the attention of customers and many credit institutions quickly offered their own versions of this category of plastic. The Svoboda Bank Home Credit installment card has become one of such products. It has attractive payment terms for purchases in affiliate network and other stores. But before ordering a card, you should carefully study its features.

Freedom is a credit card payment system Visa. It is issued free of charge and there are no service charges. It does not provide the possibility of withdrawing cash. For reissue of plastic due to damage or loss, a fee of 200 rubles is charged. Upon expiration new map will be released free of charge. Transaction notifications via SMS are delivered free of charge during the first 2 billing periods. Further, a monthly fee of 99 rubles is charged for the service. But you can turn it off and not pay.

Credit limit:

300,000 rub.

Grace period:

365 days

from 0%

from 18 to 70 years

Consideration:

Service:

No collateral is required to receive it. And also by basic conditions It is not necessary to take out insurance, but it can be connected for an additional fee along with the Freedom+ package. The credit limit can reach 300,000 rubles. If the client complies with the terms of the installment plan, then the rate is 0%. If the recommended payment is not made, the rate will be from 17.9%.

Below we present the conditions and tariffs in table form for clarity and ease of comparison with other products.

Purchases from partners

The list of program partners includes more than 40 thousand stores. They can purchase various goods and services in installments. In this case, its validity period is set separately for each partner company, but cannot exceed 12 months. According to the terms of the program, there may be other conditions for obtaining the opportunity to pay in installments, for example, the minimum purchase amount is often limited.

Credit limit:

300,000 rub.

Grace period:

365 days

from 0%

from 18 to 70 years

Consideration:

Service:

Shopping everywhere

The card can be used to make payments outside the network of partner companies. In this case, according to the basic conditions, a grace period of up to 51 days will be provided. If during this time the debt is repaid in full, then you do not need to pay interest. Otherwise, they will be calculated from the moment the transaction is completed at the rate specified in the agreement.

Within various promotions the bank may offer installment plans through third parties trade organizations. Its duration can be up to 3 months. It will not be possible to fully use the provided credit limit with third-party trading organizations. Individual restrictions apply to this type of purchase. The maximum debt limit for purchases in third-party stores is RUB 150,000.

“Freedom+” service package

The Freedom+ program is a set additional services for clients using the Freedom card. It is connected only at will. The cost of activating the package is 0 rubles. The monthly fee is calculated as 0.99% of the debt amount as of the end date of the billing period, but it cannot be less than 99 rubles. or 499 rub.

Comment. The borrower may terminate participation in the program at any time by contacting the HKB office.

The “Freedom+” service package includes:

• Skipping a payment. The option is available once every six months and allows you to avoid making 1 next payment by increasing the loan term. It can be activated only if there are no delays for the last six months (or the entire term of the contract), but not earlier than 3 months after connecting the program.
• Waiver of penalties. With the option active, in the event of the occurrence of unfavorable events (death, loss of ability to work, loss of housing, or hospitalization for at least six months), the borrower or his heirs will be able to contact the bank to stop debt collection efforts. In fact, it replaces insurance.
• Plus 6 and Plus 10. Options increase the installment period by 6 or 10 months, respectively. It cannot exceed a maximum of 3 years. It is possible to connect several services. For activation of the “Plus 6” option, 6% of the debt amount is charged, for the “Plus 10” service - 10%.

Why is there no interest?

Bank is commercial organization and virtually any product is created by him to make a profit. For installment cards, if all program conditions are met, the client does not pay interest on use borrowed money, but the credit institution does not suffer losses. She receives a certain commission from partners at the time of the operation. Seller companies agree to pay for it in order to increase the number of buyers and turnover. For the consumer, using the product is completely free.

The credit institution receives additional income if the borrower repays the debt with minimum payments rather than the recommended ones and makes purchases outside the affiliate network. In this case, interest is charged on the amount of the debt. And also indirectly financial institution receives additional profit by increasing customer loyalty.

Credit limit

After receiving the application, the bank analyzes it and also requests information from various proprietary and official databases (FSSP, GUVM MIA, BKI, etc.). Based on this data, a decision is made on the possibility of issuing a card and the debt limit is determined. This takes into account the borrower's income and payments on other loans. The maximum credit limit can be 300 thousand rubles. But since “Svoboda” is not a completely standard credit card, the financial institution also separately sets a limit on purchases outside the partner network. It is part of the total debt limit and is usually equal to about half of it.

How to increase

The client cannot influence the bank's decision regarding the size of the credit limit. In most cases it is accepted automated systems according to given algorithms, taking into account many factors. With active use of plastic (especially in the affiliate network), timely repayment of debt and the presence of sufficient income over time, the bank may revise the credit limit and increase it.

The borrower is not given the opportunity to apply for an increase in the debt limit or additionally submit documents on income. Only a financial institution can initiate changes to this parameter. In some cases, the debt limit may be reduced. This usually happens when frequent delays or the emergence of serious doubts about the future solvency of a particular borrower.

Grace period

The standard grace period for a credit card is 51 days. It applies to purchases from companies not included in the list of partners. When purchasing goods and services from organizations that have entered into a cooperation agreement, installment plans are provided for a period of up to a year. In fact, it is also a grace period during which you must make the recommended payments in order to avoid paying interest.

Fines

HKB does not charge any late fees. But it charges interest on the debt amount for each day from the date of the transaction. This condition will also apply if the client pays the debt with minimum rather than recommended payments. If there is a long delay, the bank may go to court and subsequently collect the debt through bailiffs. In this case, the debtor will have additional expenses for payment legal expenses, as well as in certain cases – an enforcement fee.

Credit limit:

300,000 rub.

Grace period:

365 days

from 0%

from 18 to 70 years

Consideration:

Service:

How does installment work?

Installment plans are provided for a specific period for each partner. It is provided separately for each operation. The purchase price is divided by the number of payment periods and must be paid by the client in equal installments. For the convenience of customers, only 1 payment is required per month. It includes all payments for purchases at partner companies and outside the partner network.

Example. The client purchased a tablet in August for 12,000 rubles. in installments for 3 months, TV for 24,000 rubles. – for 6 months. If there are no other operations in September, October and November, his payment will be 8,000 rubles. (4,000 for a tablet and 4,000 for a TV), and in December, January and February he only needs to pay 4,000 rubles. for TV.

How to order

You can apply for a Freedom card at the points of sale of some partners, at a bank office or via the Internet. Everyone can choose a convenient option for themselves. In any case, the registration procedure will include 3 simple steps:

• obtaining approval
• signing documents and receiving plastic

Before using the card, you must also activate it through the HKB website or by calling the customer support center. At the time of this operation, you must also set your own PIN code for security purposes.

Online application

Home Credit specializes in consumer loans and worked well through the entire decision-making and registration procedure. This allowed him to significantly simplify the application form for obtaining a preliminary decision. You only need to provide the following information:

• FULL NAME.
• date of birth
• personal income
• telephone
• passport data

Comment. The final decision will be made only after checking the identity document by employees of the bank, partner or courier service. It may differ from the preliminary one.

Credit limit:

300,000 rub.

Grace period:

365 days

from 0%

from 18 to 70 years

Consideration:

Service:

r

Client requirements

The card can be obtained by citizens of the Russian Federation aged 18 to 70 years who have worked at their current place for at least 3 months. There are no other mandatory requirements. But the decision is made on each application individually. And potential borrower You should definitely independently assess your financial capabilities and make sure that it will not be too difficult to make payments under the contract on time.

Documentation

The only document required to obtain a card is a passport of a citizen of the Russian Federation. No certificate or other income documents are required. This greatly simplifies the issuance of a credit card, since employers issue certificates within a few days, but people working unofficially cannot receive them at all.

How much to wait

If the application has been approved, you can receive the card immediately upon contacting the office after signing the documents. It is anonymous and there is no need to wait until the plastic is manufactured and delivered to a convenient department of the financial institution. At courier delivery The specific date for receiving the card must be agreed with representatives of the bank or delivery service.

Where to receive

The card can be obtained at any branch of the bank. They are available in almost all major cities of the Russian Federation. Plastic can also be delivered by courier. There is no charge for the delivery service.

Important! If you order a card on the website, it is impossible to receive it at partner retail outlets. They only issue plastic with on-site registration.

Credit limit:

300,000 rub.

Grace period:

365 days

from 0%

from 18 to 70 years

Consideration:

Service:

Installment card "Conscience"

Credit limit:

300,000 rub.

Grace period:

365 days

from 10%

from 18 to 70 years

Consideration:

Service:

Credit card Halva from Sovcombank

Credit limit:

350,000 rub.

Grace period:

1095 days

from 0%

from 25 to 75 years

Consideration:

Service:

Credit card Russian standard Platinum

Credit limit:

300,000 rub.

Grace period:

55 days

from 21.9%

from 21 to 65 years old

Consideration:

Service:

UBRD credit card 120 days without interest

Credit limit:

300,000 rub.

Grace period:

120 days

from 31%

from 21 to 75 years

Consideration:

Service:

Visa Classic 100 days without % Alfa-Bank

Credit limit:

1,000,000 rub.

Grace period:

100 days

from 11.99%

from 18 to 65 years old

Consideration:

Service:

Peculiarities

The Freedom card is not a completely standard product for the Russian market. She has whole line features that must be taken into account by its owner. Cash withdrawals, transfers, and deposits deserve special attention.

Cash withdrawal

Does not provide the ability to withdraw cash. It is not available not only under basic conditions, but also through paid options. If you try to use the card at an ATM, an error message will be displayed and no money will be dispensed. You can only pay for various purchases with plastic.

Replenishment

Replenishment is carried out to pay off debt, and you can also put your own funds on it to make a large purchase if the limit provided by the bank is not enough.

You can deposit money into your account in one of the following ways:

• in cash or by card at terminals, ATMs and cash desks of HKB
• translation from any credit organization by receipt or payment order
• online transfer from any card on the website, online bank or smartphone application
• in cash at Zolotaya Korona money transfer points
• from QIWI or Yandex.Money e-wallet
• by postal order

When carrying out transactions in devices, branches and through online resources of the HKB, no replenishment fee is charged, and the money is credited before the end of the working day (usually after 3-5 minutes). If money is deposited through a third-party service and partners, the transfer can take up to 3-5 days (via Russian Post - up to 10 days), and the commission for it is set by the sending organization.

Transfers from card to card

When making transfers to the Freedom card, the operation will proceed without problems. In this case, you can use Home Credit or third-party services. There are no transaction fees on the issuer's side, but they may apply when using devices or sites operated by third parties financial institutions. Reverse transfers from the Freedom card are blocked. When trying to carry out them, the user will receive an error message and the operation will be rejected.

What to pay attention to

When concluding an agreement, you must carefully read its text and also study all attached documents. It is better to settle all emerging issues before signing the papers. This will avoid future misunderstandings and conflicts.

Let's look at what points you need to pay attention to:

• The Freedom card is a credit card. Installment payments for the product are provided only if the borrower complies with all the terms of the program and makes the recommended monthly payment. If this rule is not followed, then he will have to pay interest for each day he uses the borrowed funds.
• Lack of security does not exempt you from liability. The loan agreement is concluded without providing collateral or guarantee. But if the bank is forced to collect the debt through bailiffs, then they can withdraw and sell the debtor’s property. The proceeds will be used to pay off debt.
• The basic program does not include insurance. According to it, even in the event of unfavorable situations, the debt to the borrower or his heirs will have to be repaid in full. The “Freedom+” service package includes the “Situation Failure” service in case of various unpleasant incidents, but it is a bank service, not insurance protection. If you need to insure against specific risks, you will have to contact any insurance company yourself.
• Release additional cards not provided. Close people cannot be given the opportunity to use the provided credit limit.

What's the catch

There are no special pitfalls in the installment program. The client must comply with all the terms of the contract and take into account that he can actually use the installment plan only from partners. Moreover, the period for which the cost of goods (services) must be paid is set individually for each seller. If the borrower deposits an amount less than the recommended payment, the bank will begin to charge interest. Moreover, the individual rate specified in the contract will apply. The minimum is set at 17.9%, but can reach up to 34.9%.

How many times have they told the world that free cheese is only in a mousetrap. How many times have we fought with banks, issued decrees so as not to mislead people, the situation is still there.

And so it is with Home Credit Bank OJSC.
At the beginning there is not much background, so that it is clear what and how in the future. Just a couple of years ago, banks simply deceived people, luring them with interest rates, enticing them with complicated contracts and the ease of taking out a loan. And when people realized that they had simply been robbed, there was nothing to do. All that was left was to sit and pay in bondage. The fact that due to exchange rate jumps, depreciation of the national currency lending rates shot at gigantic percentages, no one was surprised. Immediately the interest rate on loans became 50%-70%. Everything seems to be legal. But now, when finances in the form of loans have flowed into the republic, National currency strengthened and, according to all forecasts, is not going to rise in price several times again, loan rates should have become lower. But here lies the deception that bankers use to fool the average person.

In 2007 -2008, due to complaints from clients of various banks, a decree was issued, according to which banks were ordered to indicate the general percentage so that bank clients, especially those who are not very knowledgeable about percentages, could clearly understand how much they would have to pay . And then the banks resorted to cunning. In those years, loans were offered at 14-17 percent. But upon arriving at the bank, whole performances began. Indeed, they promised you that they would give you money at 14% interest, for example. This means that with 12,000,000 rubles, you will overpay 1,680,000 rubles. In principle, it's fine. When buying a product, it often happens that finding it cheaper in a small point of sale or in an online store, you save exactly as much as you pay for using the loan. Overall, the game is worth the candle. But the first tattoo begins when you read the loan agreement. It turns out that the promised 14% is only for today. In fact, you will pay the refinancing rate and another two percent on top of it. If the bet goes up, then you are in for the money. This happened last year. Imagine how people got into trouble when they found out that under agreements concluded earlier, where they paid a 12% rate and another 2 percent, today they have to pay 45% and an additional 2%. But that’s not all. Now they announce to you that you are paying for some kind of cash service. In other words, you are offered to pay more for bringing money to the bank. Now also for some kind of loan support. These are all monthly payments. It turns out pretty well. But that’s not all. You are trying to withdraw money from your card at a bank, but the same bank will still charge you interest.

Seeing this situation, then a document appeared where banks were obliged to set real interest rates and not mislead people. If the total turns out to be that you pay 70%, then the contract should indicate 70% and that’s it. No more tricks. And what has changed today? We go to Home Credit Bank OJSC.

We are trying to take out a loan in the amount of 10,000,000. And they happily announce to you that they will give you a loan at 24%. But there is again a trap in the agreement. There is a small point in which the meaning is that due to a change in the refinancing rate, the bank has the right to unilaterally notify the client to raise the interest rate. That is, you will receive a letter in which you will be told that you have “got it.” Do you think that's it? No matter how it is. Typically, banks charge interest on the balance. These are decent banks that are trying to attract large quantity clients. But not Home Credit Bank. Here's the trick. Again, despite all the recommendations of the Ministry of Finance and the National Bank, all the Decrees, in the contract we see “cash services” - 5.24% monthly. Do you think this percentage is taken from the balance? No matter how it is. It is clearly stated: “... from the initial loan amount. In other words, even when you have already paid almost everything, you will pay 5.24% of the same 10,000,000 rubles. And so on until the last day. Do you think that's it? But no. Let's look further. There are also so-called one-time payments. In general, the loan does not suit you. You refuse, sensing that these are not all pitfalls.

But after looking at the terms of the loan at consumer needs, I was simply shocked. I'll be honest. Borrowing from the greediest neighbor, at an extortionate interest rate (100% per annum), will still be cheaper. I have never encountered such deception anywhere in any country in the world. I have never seen such a ridiculous loan. But here they give it small amounts. From 500,000 (about 40 dollars) to 2,000,000 (235 dollars). You want to borrow one million ($115) for 14 months. Interest rate – 24% per annum. Everything is correct. Plus, the same cash service. In the amount of 5.24%. It seems like nothing more. But suddenly you discover a most interesting banking invention in the loan payment schedule. Your entire loan of 1,000,000 rubles is divided into equal parts for 14 months. And you will pay interest on the loan on the balance. But in the first monthly payment you see the amount of the first payment of 1,082,600 rubles. For mercy, but from where? It's simple. In the first month, the bank will charge you 62,602 rubles for repaying the principal debt and 20,000 rubles for repaying interest. And another 1,000,000 for the commission, immediately for the entire period. Further, throughout the entire term of the loan, you will pay 82,600 for repayment of the principal debt and interest, which will decrease. According to bank documents everything is fine. But purely from a human perspective, what happens?

But as a human being, you are being robbed in broad daylight. They give you 1 million and offer to return it in a month. But not a million, but 1,082,602 rubles. And you will receive only 980,000 rubles in cash at the cash register. It turns out that after a month you have already returned the entire amount to the bank, plus 102,602 rubles on top, which, one way or another, is almost 10% of the amount. In reality, you have already returned the money to the bank. But no matter how it is. Now you are paying for what they gave you for a month. And this will result in another 1,156,000 rubles for you. The bank is doing well. It’s not the loan you returned, but the commission. But what difference does it make for the client? In reality, it turned out that he, having taken 980,000, returned all the money a month later, adding another 10% on top. Little of. Now the client will continue to pay until he pays another 1,156,000 rubles. If you clearly count everything down to the penny, it turns out that you even took interest at 198.24% per annum. Well, how do you like a loan at 24%?

The payment schedule is usually pinned at the very bottom. It is not uncommon for banks to simply not talk about the amount of the first payment. The girl tells you that in the first month, as well as subsequent months, you pay off the principal debt in equal shares, interest on the balance, and the amount will decrease. And they take a commission only once, on the first payment. Then prove that she did not tell you the amount of this commission. Some, having read that the commission amount is 5.24%, think that it will be approximately 52,400 rubles. That's all. In general, to be honest, I never found out how they calculated the 1,000,000 commission. What, by what costs, is it justified? this amount. So, it is better to stay away from such banks. The only bank that has more or less honest loans is probably “*****bank”. The percentages indicated are real. There are no cash services, loan support, loan insurance (with rare exceptions) and incomprehensible commissions.

Home Credit Bank easily issues loans. But it’s difficult to give them away. If for the bank there is a difference - the principal debt and commissions, then for the client there is no difference. He still pays the money. And taking a loan (having the audacity to even offer such a loan) the amount of which you will repay in a month and still owe more than the loan amount is not only pointless, but simply stupid. But, interestingly, someone takes it.

What about Decrees and Recommendations? But what about the speeches of high-ranking officials, who said a lot that it would be enough to deceive the people by exposing low interest per annum on loans, and then rip off three skins, hiding real interest under various commissions and other payments? But no way. It looks like Home Credit Bank didn't care about this. In general, everything is back to normal.

Having a plastic card expands access to financial benefits and gives its owner the opportunity to periodically attract borrowed funds and return them at a time convenient for him. Leader of rendering financial services The oldest financial institution on the Russian market is Sberbank. Along with it, Tinkoff, Alfa Bank and a number of others compete in the number of services and favorable conditions.

The credit card of different banks differs in the allotted preferential limit, size and other conditions. With its constant use, cardholders need to increase their credit limit due to the need to make large purchases or carry out repairs. It can be increased, but each bank has its own regulations.

What should a Sberbank client do if he needs a larger loan?

Large assortment among plastic cards allows each consumer to determine their own level of credit. But as opportunities grow, so do needs, so clients periodically turn to the bank to... Increase the limit that your credit card contains.

To increase the size Money, you need to go through several steps:

At the time of applying for an increase in credit funds, there should be no existing arrears. A bank representative may even demand that you close the actual debt, so you should be prepared to close the amount that is on the card.
Along with the application for an increase, a 2-NDFL certificate confirming income must be submitted.

If during the period of using Sberbank borrowed funds, loans from other banks were received and repaid, then you can ask for certificates of closure of these amounts and submit them along with the application.

The submitted documents are reviewed within 3 business days, and if the information received allows us to draw conclusions about the client’s reliability, then the Sberbank credit card limit will be increased to the required limit. But if the client’s certificates and reputation do not inspire confidence, the credit card will remain within the same limits.

Features of using plastic cards at Tinkoff Bank

Management has a completely different approach to the client base Tinkoff Bank: the proposal to increase the credit limit comes from the bank, and not from the client.

The limit can be increased only if the following conditions are fully met:
the card is closed on time, there are no delays even for minimal amounts;
The funds provided are used in full and very actively.

Active use is considered to be the performance of up to 50 transactions within a calendar month. The key to a positive answer when considering an increase in the loan amount is the absence of debt.

The holder will be notified of the decision taken in SMS notification.

European quality and service from Home Credit

Modern lending conditions from Home Credit Bank attract many clients with their simplicity and ease of service.

The simplest type consumer lending— credit card for making purchases without commission “Quick purchases”. The ease of receipt - a maximum of 30 minutes determines their small limit - 10,000 rubles. If the client has the opportunity and desire to present additional documents, then the amount can reach up to 500 thousand rubles.

As for other banks, for Home Credit Bank the solvency of the client is very important, therefore, when applying for an increase upper limit limit, the client’s need for this increase is primarily considered. The intensity of use of the funds provided and their volume are taken into account.

To increase the limit, the following conditions must be met:
the card must be issued at least 3 months ago and actively used throughout the entire period;
the card holder regularly repays the resulting debt, avoiding delays;
availability of supporting documents about employment and stable income.

If certain conditions exist, the holder must personally appear at the nearest bank branch to submit an application, since remote submission of such an application is not possible.

Terms of lending and service in Privatbank

Privatbank's attractive lending conditions significantly expand the ranks of its clients. The plastic card system is especially popular. Credit card from Privatbank - the ability to make online payments: transfers to other cards, payment of utility bills and phone top-up, purchase of goods. If the borrowed funds are intensively used and there is a need to increase them, there are several options for increasing them:

use the online service “privat 24” and submit an application through this service;
intensively use the loan provided and the amount that the bank can trust will gradually increase.

Alfa Bank and conditions for increasing the limit

One of the largest banks in the country, Alfa Bank, is also developing profitable terms lending and gives a large limit, but sometimes the loan provided does not allow it to fit within the allotted framework. The client needs to increase this size in order for the credit card to fully perform its assigned functions.

Alfa Bank clients can increase the upper limit of funds on their card if the following conditions are met:

the period of use exceeds six months;
no debt;
a new certificate in form 2-NDFL and another identification document (except for a general passport).

The card is obtained upon personal application to a bank branch, with a written application and provision of additional documents confirming solvency for this moment. When considering an application, employees pay attention to maximum size on payments, i.e. the level of debt burden. It is with this indicator in mind that a limit is offered to each client, in order to avoid delays and penalties.

Undoubtedly, a credit card provides great advantages for its holder: freely a large sum, move not with a large and voluminous wallet, but with a small piece of plastic, whenever and wherever you want, withdraw cash or pay in any shops and cafes. But considering all the advantages, one should not forget about the negative aspects. The provided limit allows you to stay within your budget, and an increase threatens the timeliness of payments and the increase in debt obligations.

In the article:

Life situations sometimes do not allow borrowers to fulfill their obligations to the bank. Loss of a job, loss of ability to work, decline in health and other difficulties can significantly undermine the client’s authority before the bank if he does not pay obligatory payments. The Bank treats these developments with understanding. Therefore, among its programs there is a Home Credit debt amnesty.

Loan debt amnesty - what is it?

You should not have any illusions or dream that after submitting a certificate to the bank, the borrower will be finally and unconditionally released from all obligations under the loan agreement. There is always an intermediate option - and in each specific case the bank considers the borrower’s situation individually.

The Loan Debt Amnesty campaign started in 2014. It works in such a way that the bank offers the borrower a one-time repayment of 20% of the total debt. After this, the bank does not demand that the debt be returned to it.

Time will tell whether the promotion will be valid in 2018. As a rule, the bank, based on specified criteria (the details of this list are unknown), selects a number of debtors and makes them this unique offer. Therefore, if you have an overdue loan, do not ignore the bank’s calls, maybe it wants you to take part in the Debt Amnesty 2018 campaign.

To be fair, it should be noted that not all banks practice complete write-off of borrowers’ debts and for most of them such an action is not acceptable. Many of them offer clients who find themselves in difficult financial situations debt installment plans, renegotiation current conditions loan agreement or credit holidays.

Conditions of the credit amnesty

It would seem that this is the solution to the problem. But not everything is as rosy as the debtor would like. Negative consequences still arise for the borrower who was affected by the Home Credit Debt Amnesty campaign. Reviews about this procedure are easy to find on the Internet.

It is worth remembering that debt does not disappear. Yes, the borrower is no longer required to repay it. But formally, the debt continues to be registered with the client. More to the point in simple language, it is written off to the bank's archives.

The operating principle of the amnesty action is as follows:

• The borrower is asked to repay at least 20% of the outstanding debt;
• Such an offer can come from both the bank and the borrower;
• It can only be used if the overdue debt is more than twelve months old.

The borrower will not be given any documents confirming the absence of debt, the closure of the loan, or the absence of financial claims from the bank. This means that in all programs that will be available to employees of financial institutions (not just Home Credit Bank), this borrower will be owed a debt of 80% of the remaining debt.

A client who decides to participate in the debt amnesty campaign from Home Credit will not be able to obtain a loan. Moreover, we are talking about absolutely any form of it, starting from credit card and ending mortgage loan. No financial institution will assume the risk or responsibility to issue sum of money the person who committed such a delay.

Conclusion

Banking processes in Russia are such that complete updating of information in the bureau credit histories occurs no more than once every ten years. This means that from the moment the amnesty agreement is concluded, at least one decade must pass before the client is given the opportunity to receive a loan from a bank. However, the debt amnesty campaign at Home Credit Bank finds its participants, which is confirmed by reviews on the Internet. This will happen in 2018 if the bank makes such an offer to its borrowers. Among them are those borrowers who cannot take advantage of the bankruptcy law, and certainly cannot continue to pay the loan, even under the terms of restructuring (many banks offer this scheme today).

Statistics show that every year banks write off significant amounts from their debtors. However, household loan debts are still at a high level.

As of February 2018, Home Credit Bank’s credit card ranked third in the ranking of preferences of Russian borrowers. As of March of this year, the list of programs when purchasing this product includes 6 classic options and one installment card. Credit cards are different bonus programs and opportunities.

Types of credit cards

Classic credit cards from HKB:

• "Just money" – standard option with free cash withdrawal and the ability to pay in POS systems.
• "Card with Gold Benefit" – a gold credit card from Home Credit Bank with a good limit, an interest-free repayment period and a long validity period. Connects to the “Benefit” loyalty program.
• “Platinum card with benefits” – plastic international card with a credit limit and the ability to withdraw cash. Interest-free repayment only works for plastic payments in POS systems. Connects to the “Benefit” loyalty program.
• Other Rules Card – a standard credit card with restrictions on the accrual of bonus points.
• "Fair" and "Eldorado" - simple payment instrument for quick purchases in popular stores with conditional cashback. It is awarded points based on the purchase amount.
• "Fast money" – a program with reduced functionality. Without cashback and connection to the loyalty program, it is issued quickly, the credit limit is usually set to a minimum (10–15 thousand rubles).

A special installment credit card from Home Credit and Finance Bank does not offer the possibility of withdrawing cash, but has an interest-free repayment period almost twice as long as a regular credit card. The rest of the cards work with a deadline preferential lending up to 51 days, for an installment card this is a minimum of 90 days, a maximum of 365.

Is it profitable to use a credit card?

Different HKB card programs are adapted to the different needs of the borrower. Therefore, yes, this credit card can be profitable when making the right choice its type:

• "Just money" works as a convenient quick loan with non-cash and cash payments;
• Gold and Platinum cards good for forming a “financial cushion” on trips abroad;
• Installment plan ideal when you need to make a large purchase with a minimal overpayment of interest on the loan.

Credit cards are issued free of charge and are issued based on two documents. They can be received on the same day of application, which is convenient if you need money urgently. There are programs that work to accumulate bonus points. This is beneficial if the client is used to shopping in specific stores.

What are the advantages

To the benefits of the Home card Credit Bank relate:

• clear terms;
• good grace period;
• the opportunity to receive a loan in the amount of up to 300 thousand rubles without certificates and guarantors;
• a well-thought-out loyalty program (part of the money spent is returned with points from the purchase amount; points can be converted into rubles at a rate of 1 to 1);
• interest-free replenishment;
• international status of Visa and MasterCard standard cards;
• convenient account management functionality;
• contactless payment technology Samsung Pay and Apple Pay;
• adequate interest rate when making payments in POS systems and online (from 29.9%).

What are the disadvantages

The disadvantages of the card include:

• expensive cash withdrawal (against the credit limit) – 4.9%, minimum cash withdrawal amount 399 rubles (except for the “Simply Money” card);
• lack of deposit programs for a credit card debit account;
• commissions for SMS notifications and generation of statements (59 + 29 rubles for all card products, except installments);
• no delivery service;
• If you want to get a serious loan (over 50 thousand rubles), you need additional documents (SNILS, income certificate, international passport).

Decor

To apply, the borrower can go to the branch or apply for a credit card online. After checking the data, the company will offer a choice suitable programs. To receive plastic, you need to provide a package of documents and sign an agreement with the lender.

Conditions

Basic lending conditions for HKB:

• credit limit – 10–300 thousand rubles (for the “Simply Money” card – up to 150 thousand);
• release - free;
• re-issue on time is free, at the borrower’s initiative 200 rubles;
• annual service: when connecting to loyalty programs 490–4990 rubles depending on the card status;
  Internet banking access is free;
• SMS info – 59 rubles per month (optional);
• monthly notifications regarding the payment amount – 29 rubles per month (optional);
• withdrawing cash from a Home Credit Bank credit card with a commission ranging from 10–300 thousand rubles per day (except for installments);
• replenishment is free in all ways;
• blocking, unblocking, changing PIN is free;
• the interest rate for payments in terminals and at checkouts in stores is 29.9%, for cash withdrawals – 49.9%;
• payment amount when exceeding the limits grace period(except for installment cards) – 5% of the debt amount + accrued interest (in
• on average 7% of the total debt, not less than 1000 rubles).

Requirements

Only Russian citizens who meet the borrower requirements can receive a HKB credit card:

• age – 21–64 years;
• have a residence permit;
• there is a constant source of income (the bank is reluctant to approve loans to the self-employed and individual entrepreneurs);
• At least 3 months of experience at your last place of employment (this can be verified by calling your place of work);
• there is a landline phone number (work);
• Do you have a home phone or mobile phone?

Documentation

To establish a minimum limit, it is enough to provide a passport and military ID, SNILS or driver's license (your choice).

If you need a serious amount, you should prepare the following documents for registration:

• international passport;
• compulsory medical insurance policy;
• certificate 2-NDFL;
• statements for the last six months on turnover on debit accounts in other banks;
• documents on ownership of a house, dacha, apartment.

Design nuances

You can receive a HKB credit card with the minimum amount of the available limit within 15 minutes. The lender focuses on checking the borrower's sources of income and his credit history.

If in the recent past there were delays on other types of loans, it is worth first correcting the payment discipline. For example, get a simple credit card from Home Credit Bank with a minimum limit and actively use it for payments for 2-3 months.

Commissions and additional costs

The card is issued using a passport with a code and is issued free of charge. But additional commissions may be provided for:

• for notification of movements on the account via SMS (the option can be disabled immediately if the card is fully repaid, there is no commission
• debited before the first transaction is completed);
• low activity on the card (the bank may reduce the approved limit);
• issue if the card is lost – 200 rubles;
• generation of a monthly invoice for payment (29 rubles).

The borrower bears the costs when replenishing the card at ATMs of other banks. HKB itself does not charge any commission for this, but third-party organizations can set their own rates for using their service. It's worth finding out about this in advance.

The card is connected to insurance options. This also costs money; to clarify the tariffs, contact any bank branch or call the contact center.

Registration options and receipt

You can apply for a HKB credit card in one of two ways:

• submit an application via the Internet, receive a preliminary decision online and contact a bank branch or issuing points (partner stores) to register and hand over the plastic to the client;
• come to a bank branch with a passport and a second document, fill out an application and wait for approval (up to half an hour), after which an employee will issue a card.

You can find out all the details, including the addresses of the nearest branches and possible conditions for using the loan, by phone. Applications for cards are accepted over the phone, but to issue them in person you need to visit the bank.

Usage

Having activated the credit card, the user can use it for its intended purpose - make payments online, pay in stores, withdraw cash. Using credit money The user will have up to 51 days to return them. IN otherwise A monthly payment will be required into the account.

The grace period is counted from the moment of the first purchase. The algorithm here is:

• the user pays with the card, triggering a grace that is valid until the end of the month of the transaction;
• starting from the next month, the bank will generate a statement indicating the future minimum payment;
• If within 20 days from the date of generation of the statement the client does not pay the entire amount of the debt, interest is charged on it (the amount due in this period, according to the statement).

That is, the stated maximum grace of 51 days is valid for purchases from the first day of the month: 31 days of free use plus 20 days of the payment period. If the monthly payment is not paid within the specified period, the card will be blocked. To remove the blocking, you need to repay it (the next payment, not the entire amount) and wait 2-3 days. A penalty will be charged for late payments.

How to activate a credit card

Home Bank credit cards are activated after receiving the plastic. If it was issued at a branch, the procedure will be carried out by a bank employee. Upon receipt at points of issue for activation you must:

• log into your personal online banking account and set a PIN code;
• submit an application on the HKB website (step-by-step tips tell you in detail how to activate via the Internet);
• call the contact center (8–495–785–82–22), go through identification following the menu prompts, and set a PIN.

Change or set PIN in online banking, on the website or by phone hotline possible at any time. No commissions are charged to the card until activation.

How to withdraw money from a credit card

For all credit cards Home Credit Bank has the option of withdrawing cash from any ATM. International cards work in all countries of the world. Programs “Eldorado”, “Fair”, “Other Rules” - on the territory of Russia.

Withdrawals from all accounts are subject to a 4.9% commission. Minimum amount cash - 400 rubles. There are no cash withdrawal fees for the “Simply Money” card account.

How to top up

To top up your account you can use all available services:

• terminals (cash, card);
• Internet bank;
• interbank transfer services;
• cash desks in partner stores, at HKB branches or in other financial institutions.

You can top up via mobile app and Internet banking, Russian Post service, electronic wallets. Transfers between cards of different banks are also carried out over the telephone.

How to find out the limit

You can check the approved credit limit from Home Credit and Finance Bank:

• in the mobile application;
• On the page personal account in Internet banking;
• by telephone from an employee of the department where the application was submitted;
• in person at a bank branch;
• by calling the hotline.

The client can apply to increase the limit. To do this, you must provide proof of profitability and personally fill out a new form at the branch.

The key condition for consideration of the application is the absence of overdue debt. After six months of active use credit funds the lender himself can revise the amount upward.

How to find out your credit card debt

You can find out the exact amount of debt for full early repayment:

• from a bank employee during a personal visit;
• by calling the hotline 8–495–785–82–22.

You can view the balance of the loan (without calculating the current accrued interest amount) in the application, on the Internet banking service page, at an ATM or HKB terminal.

Early repayment

The bank does not charge any fees for early repayment cards. To carry it out, it is enough to top up your account with any amount; on the day of debiting, the funds will go towards the principal debt. There is important nuance: You cannot pay off the card several months in advance. The mechanism works like this:

• the client deposits 2100 rubles at minimum payment in 1000 and the total amount of debt is 4200 rubles;
• on the write-off date, part of the amount (for example, 100 rubles) goes to interest, the remaining 2000 goes to the body;
• the amount of debt decreases, the size of the minimum contribution will decrease, but next month you need to deposit money again (with a balance of 2200 rubles, this is at least 1000, although 7% of the amount will be less).

For full settlement Before the deadline, we find out and close, in addition to the principal debt, the entire amount of interest and commissions accrued on the repayment date. If you find out today and pay tomorrow, there will be an underpayment of interest for 1 day. If after this the card remains active, it will automatically be charged a fee for service (once a year), insurance, SMS notifications and generation of notifications (once a month).

If funds are not received in excess of the limit, commissions are written off against the loan. When planning to pay off the debt in full, this must be taken into account.

Provided system of fines

Overdue debt is formed the next day after the date of mandatory payment, provided that it is not paid. According to the bank’s current tariffs, for late payments, in addition to the basic interest, a penalty is charged:

• 0.055% of the loan amount every day;
• 0.1% daily, if the borrower has already received a requirement to repay the debt in full (termination at the initiative of the bank).

To order convenient map, it is worth registering it at the department. An employee will be able to suggest which option is more profitable for specific purposes. Here you can immediately make copies of documents.

HKB cards can be personalized or instant issue (not personalized). In the second case, the registration process will take no more than half an hour. You should carefully read the terms of the proposed program, ask the employee how to use the credit card, and immediately disable unnecessary options.

How to properly close an active Home Credit Bank credit card

If the card is not activated, it is not necessary to go through the procedure of closing it. It is enough to destroy the plastic. But at the same time, the client will be able to use the loan only after it is reissued.

You can close a card that is active if two conditions are met:

• the credit limit amount is available in full;
• Interest and commissions have been paid off.

To terminate, you must contact the bank branch and write an application to close the account, indicating the reasons for such a decision and details for transferring the balance own funds(over the limit). After registering the application, a bank employee will physically destroy the plastic and generate a memo for cancellation.

The closure process will take up to 50 days, but if the application is accepted and the card is destroyed, then no fees will be charged during this period. To be sure, you can get a certificate of debt from the bank. It takes 2 weeks to prepare and is delivered to the client personally or sent by mail.