Credit card "Promsvyazbank": reviews. Promsvyazbank credit card: conditions
Credit cards have long and firmly entered our lives. If necessary, buy some goods or pay for the service, but if you do not have the right amount at the moment, you can get a credit card from Promsvyazbank. This article describes the product itself, the conditions and requirements for the borrower, and provides customer feedback. First, let's find out what the bank is itself.
"Promsvyazbank"
This financial institution is one of thethe largest in Russia. Its full name sounds like a public joint-stock company "Promsvyazbank". At the beginning of 2015, in terms of assets, Promsvyazbank ranked 11th among all Russian banks, and the number of its physical clients exceeded 2 million. Services are provided in different cities of the country, and the number of service points is more than 300. At the same time, an extremely developed ATM network counts more than 8,000 such devices. In addition to the standard products offered by all banks in the country, this financial institution can also provide other, more unique in terms of customer benefits, service options. One of them is the credit card of Promsvyazbank. 145 days of interest-free loan servicing is its main advantage, but we will consider this point below.
Credit cards
As already mentioned, credit cards arean integral element of our life for a long time. What, in fact, offers a credit card? It allows you to purchase goods, pay for services, perform other similar operations, even if the money in the account at the moment is not enough. Maybe they just did not have time to enter the account, and you need to make a purchase right now. Or you expect money in the near future, but you have to spend it now. A credit card greatly facilitates the life of an ordinary person, not to mention entrepreneurs, for most of which the functioning of a business without loans is simply impossible. In addition, the availability of such a financial instrument negates the need to carry cash with them and thus removes all possible risks associated with large amounts of money in free access.
But there are some disadvantages associated withinterest rates for such services. At the moment they are still too big. The credit card of "Promsvyazbank" is deprived of such a shortcoming, since it allows you to use the loan without interest for a whole 145 days. Let's look at this product in more detail.
Platinum super card. Requirements for the borrower
This is how the credit card is officially calledservice and at the same time the card itself. Let's not say that the platinum card is an indicator of prestige and respectability in itself. This is in our time clear to everyone. So, the credit card of "Promsvyazbank" terms of delivery is fairly simple. It is necessary to be a citizen of the Russian Federation no older than 63 years and not younger than 21 years. In addition, the place of permanent or temporary registration should be in the same village where the service point of this bank is located. Well, quite understandable requirements for work experience (at least 1 year) and the presence of two contact phones. In fact, these are all claims directly to the potential borrower that Promsvyazbank is exposing. An application for a credit card can be filed at any of its closest offices if there is an extremely small package of documents.
Required documents
List of documents required for registrationcredit card, "Promsvyazbank" indicates very small. Passport of a Russian citizen and any of the following documents is sufficient: passport, 2-NDFL certificate, vehicle registration certificate, certificate of income in free form (according to the employer's form). Although these documents are not required at all, if you are already a client of this financial institution (have an account or deposit). That's all. Nevertheless, it is recommended to take as many documents with you as you have, because in some cases the bank can request other papers if it does not suit you in the provided ones. Do not be frightened, this is quite standard practice. It is possible that the credit expert has repeatedly faced a situation in which the availability of a document can greatly simplify the procedure for reviewing a loan or make it more rapid, and simply tries to help a potential borrower. In general, the bank's employees will never demand from you those securities that could damage the procedure for issuing borrowed funds, since they are interested in the client receiving the card.
Online registration and registration by phone
In addition to all of the above, order a cardyou can and not leaving the house, the benefit is allowed by the conditions that dictate "Promsvyazbank." A credit card, an online application for which can be registered via the Internet, is already quite standard in our time, and this bank does not lag behind its competitors providing this service. You can order it on the official website of Promsvyazbank, and the fields for filling in are quite simple, do not require a lot of information, and the form itself is easy to understand.
If necessary, a credit card can beto issue and by phone the "hot line" indicated on the same site if for some reason the client does not have the opportunity to either come to the bank branch or leave an online application. The employee of the bank on the phone gives an exhaustive explanation and answers all questions.
Product Description
With who, how and with what can ordersuch a card, we sorted it out. Now directly about the product itself. The maximum loan amount can not exceed 600 thousand rubles, which is quite enough for an average person. The interest rate for the crediting period over 145 days will be 24.9% per annum, however if the loan is returned before this period, the interest for use is not charged. Payment on the loan can not be less than 5% of the total debt, so it is extremely important to control this moment, so as not to overpay where it could be avoided. In addition, when calculating this card for the purchase of goods, the bank accrues bonuses to the account. The credit card of Promsvyazbank, the conditions for registration of which are described above, also provides for free SMS reporting of operations with the card and the same free Internet and mobile banking.
Positive reviews
The main advantages, except for the obvious onesadvantages of using a similar product are simplicity of registration, a small list of documents and a period of 145 days, during which the amount of the loan is not accrued interest. This is a unique advantage that the credit card of Promsvyazbank provides. Customer feedback speaks for itself. Many thank the bank for the opportunity to buy those goods that were needed very urgently (medicines, for example). Others express their gratitude for finally being able to realize their dreams. In any case, as evidenced by the testimonials, even if you do not use this credit card in everyday life, it can be exactly the tool that will help you get out of the sudden difficult situation, as long as you do not use it, no payments for the fact of having a card from the consumer not necessary. However, there is another point of view.
Negative feedback
The main and, in fact, the only drawbackuse of this product is a high interest rate. This negative side begins to be felt only when the client was unable to pay its debt in full (that is, 145 days). According to the bank's customers, overpayment in this case is very significant and can be hit hard for money. This is a minus that the credit card of "Promsvyazbank" possesses. Reviews of a negative nature, in principle, in most cases come from people who themselves could not deal with their own finances and therefore are forced to overpay significant amounts. If you carefully monitor your expenses and incomes, plan costs, then this situation can be avoided. If this is not possible, it is recommended to contact either special experts who will help to deal with this situation, or to their more successful acquaintances for advice.
Outcomes
About a product like a credit card"Promsvyazbank, you can talk for a long time. It has a lot of pluses and, as well as in any credit product, quite expected disadvantages (the interest rate is mostly). It's impossible to please everyone, although in this case the bank has taken all possible measures to make life easier for the borrower, and not to lose his profit. Since such credit cards are constantly evolving, the requirements for their receipt and credit conditions are becoming more and more profitable for the consumer. It is possible that in the near future we will be able to see such a product from Promsvyazbank, which will really suit everyone, will not have shortcomings and will help to fulfill all the dreams of the consumer.
