Card with a credit limit of a connected bank is issued in the MasterCard system. The bank offers five different tariffs, taking into account the premium card. This is not only a credit card, it combines the benefits of a debit card, and also offers potential customers the maximum number of different bonuses.

The card is released only with a ruble account. According to standard maps, a credit limit is installed up to 250 thousand rubles, and on a premium map limit will be not more than 750 thousand rubles.

The map is designed in such a way that the user can make purchases and pay for various services not only in its own country, but also beyond. And most importantly, you can make money in all ATMs of the Russian Federation, and the commission from the connected is not established for cash withdrawal.

At the Light-2000 tariff, the Bank does not establish a grace period. Accordingly, immediately after using the map, the process of calculating interest for using credit funds begins. But it is exactly this package that can be issued quickly, and the Bank minimal attention pays the client's credit history.

  • You can contact the bank directly and draw up an application with the operator. In this case, you immediately provide all the necessary documents by a bank specialist. After making a decision, you will need to sign a lending agreement, and within a few days you will receive a map. It remains to activate it and you can use all the benefits of the loan;
  • Also, an application for a loan can be drawn up on the bank's website in online mode. Carefully examine the essence of the terms of the contract. The thing is that you will have to make certain minimum contributions to the card every month, taking into account your tariff package. The Bank also appoints enough high penalties and a penalty for non-timely executed liabilities on the map.

The conditions of the bank are quite interesting, which is the basis for the formation of high popularity of the card:

  • Card design is carried out within five minutes on the bank's website. At the same time, the bank determines that delivery can be carried out by the courier at the address you specify;
  • The limit on the map is set within 250 thousand rubles, but on a premium map This limit will be several times higher - up to 750 thousand rubles;
  • The Bank also offers the possibility of free removal of cash up to three thousand rubles per day without a commission, and from any ATM;
  • A grace period of time on the use of a loan limit for 55 days has been established. But, there are card tariffs that do not provide for the presence of this period;
  • Also, the Bank offers the opportunity to use Cashbek up to 20% if you are acquiring acquisitions in the networks of connected, rigle, as well as other partners of the bank.

  • The prerequisite is the presence of citizenship, and the age of the borrower cannot be less than 21 years;
  • The need to provide a passport in which the constant registration stamp should be (you must have a permanent registration);
  • You also need to provide all data on work. If you are striving for increased credit limit parameters, you will need to provide an income certificate, on the basis of which the bank will be able to determine your solvency.

First, you will need to make a request on the bank's website, after which you have to wait for a while until a representative of the bank contact you. You will need to answer a standard number of questions, after which the final decision will be made and within three to seven days you can get a map. You will call the courier and you can agree when the card will be delivered to you.

Next, you can simply use the card for your own purposes. Together with the Courier card will provide you with an agreement for signing, you must provide him with your passport, originals and copies of documents that are required by the Bank.

It should be noted that all maps are tied to the Internet banking, as well as to the mobile bank. Thus, you can always follow the movement of money on the map, and you can independently transfer funds from the card to the card, using a personal account. Also, the map takes part in bonus programs, which implements the company "Svyaznoy".

At the moment of time, this bank has the most significant list of partners who can buy goods with a significant discount. In certain stores, the discount is more than 20%. And the map takes part in the accumulation program of bonuses. Accordingly, you receive not only a credit product of convenient use, you get a significant number of additional features and advantages.

Note that the issue of maps and service by the bank is free. Currently it is difficult to find a bank in which service would be so affordable. The service includes a map connection to all services. For the removal of cash, the Bank does not remove an additional commission, but the limit is established for me. As for the SMS-alert for perfect operations, the additional fee is removed every month in the amount of 50 rubles.

The repayment of the loan is carried out in accordance with the terms of the previously signed loan agreement. Every month the client is obliged to carry out partial debt repayment. According to different tariffs, the repayment card is from 5 to 10% of the total amount of debt. Violation of the established norms of the contract entails the end of the grace period, as well as the accrual of certain fines for late repayment of funds. Card closing is carried out on the basis of the Client's application. At the same time, the client is obliged to fully repay his debt to the bank and wait until reconciliation is carried out. After the end of reconciliation, the client receives a special certificate that reflects the data on the closure of the loan account and full repayment of obligations to the bank.

Is it profitable to use such a card?

Indeed, the map is very profitable. The Bank establishes a significant interest rate for the use of a loan, however, a grace period is established when credit funds can be used without paying interest. In fact, you can use not only credit funds, but also quite significant advantages in the form of discounts, bonuses and shares to which the map is bred.

Among the numerous proposals of banks, this product will allocate their positive characteristics, therefore, such a product should be issued. Moreover, the design of it and even receipt can be made without visiting the bank. In addition, it must be said that the card combines the advantages of the debit option, which allows you to save your own funds and get even more percentages on them.


The credit card of the connected has a similar set of pros, as well as a universal map of a connected bank.

Benefits:

1) in a connected bank, a communication salon or an online application. The process of registration does not take you a lot of time, and you can get a ready-made card throughout the day. Of course, it is as not a nominal.

2) For the purchase, you will receive 1% refund of funds in the form of a connected-club bonuses, and 20% from purchases made by the Bank's partners. Paying partners is needed by the opposite side of the map where the barcode is located. It is possible to spend accumulated bonus points on the products of the connection salon connected, air tickets, in the cafe.

3) The MasterCard World card level gives its owner a few more important advantages, such as a price protection program, providing for the difference in the cost of the goods if you find it else cheaper.

4) The card can be released with the chip.


Disadvantages:

1) Making the map you definitely can't find out what conditions you will be waiting, since the tariffs are very different and assigned to customers individually:

Tariff Light 5000 with a grace period of 50 days and interest rate 24%.
Tariff Light 3000 with a grace period of 50 days and a rate of 36%.
Tariff Light 2000 without a grace period and with an increased rate of 48 to 69%.

2) The minimum amount of payment on the card is not set as a percentage, as in most banks, and at a fixed rate - 5000, 3000 or 2000 rubles in accordance with the tariff.

Receiving credit cards from the bank connected is very advantageous for the client because of the many bonus proposals. The bank puts forward the conditions that are convenient to most of the average users.

Conditions

The conditions for granting a credit card by the bank connected are as follows:

  • the value of the smallest interest rate is 25% annual in rubles;
  • it is possible to remove funds from the map and carry out mutual settlers in any section of the globe;
  • no recovery of the Commission when removing money in the ATMs of other banks;
  • when calculating in the stores of the bank card, a flexible discount system was introduced.

Methods of registration

In order to issue a credit card in a bank with a coherent recipient of the service to apply. You can do this with a direct visit to any of the branches of the bank.

The client should also submit to the bank maximum amount of information about himself to make a decision staff to the Bank by employees.

After studying the application and the materials submitted by the Client, the decision will be made.

If bank employees have additional questions to the client, they are set by phone.

On the decision, the client is also informed about the decision and if it is positive to him appoint a meeting to sign an agreement and issuing a map.

Online application

An application for a card can also be issued on the Bank's website in the online mode.

At the same time, also from the client is required in addition to filling out the official application for the provision of its contact data and the maximum amount of information about themselves.

When making a bank about the issuance of a map, it is delivered to the recipient of the mail service or the courier delivery service of the bank connected.

Views

To date, the Bank's connected bank offers issues of such types of credit cards:

  • map mastercard;
  • map "Favorable Shopping";
  • premium Map "WORLD";
  • premium card "Infinite".

On the Bank's map, a Credit Limit at the level is established 750 000 rubles. The interest rate ranges from 25 to 30% per annum.

The preferential period of interest-free use of the card is two months. Available to private persons staying between 21 years to 65 years.

The limit on the bank map of connected "Favorable purchases" is 400,000 rubles. The possibility of using the card during the preferential period, which is equal to 55 days.

The amount of interest rate bank for using such a card is from 18 to 44% per annum in Russian currency.

The map is available to obtaining the Bank's customers who stay aged 21 to 65 years.

A premium type "WORLD" card has a limit of a limit of 750000 rubles. The interest rate is set at a level of 24-29% per annum in rubles. The preferential time for free use of the card is 50 days.

A map is available to obtaining persons who are between ages of 21 to 70 years. A commission is provided for cash withdrawal from an ATM.

A premium type "Infinite" has the highest limit set at the level 1 000 000 rubles.

The interest rate for the use of credit funds on the map is from 18 to 30% per annum in rubles.

The duration of the grace period, over which the card can be used completely free, is equal to two months. To obtain it, it is necessary to provide the customer to the bank certificate bank.

How to get a map in a connected credit limit online?

The map of the bank connected to the credit limit is able to satisfy all the needs and wishes of the Bank's customers.

It allows the borrower to save their own money and at the same time use lending services on favorable terms.

Getting a map is possible online. To do this, the borrower should be left to the official application on the website of the Bank of the Connector, in which to specify its contact details to ensure feedback. Application processing with the subsequent registration of the map takes no more than half an hour.

The versatility of the card provides the ability to use at once a few bonuses accrual programs.

The amount of credit limit is set at the level 250 000 rubles And its final value is determined by the customer's solvency.

To obtain such a map, the client should be submitted to a minimum of documents. In addition, bank employees online will help the client to pick up an optimal program for it.

The map will be delivered to the client after completing the procedure for its design by mail or it will deliver it by the bank courier.

Requirements for the borrower

To obtain a credit card in the bank connected to the borrower of such requirements of the Bank:

  1. The borrower is obliged to have Russian citizenship and mark on registering the place of residence in the region of the Bank's Office.
  2. The age of the recipient of the card must be from 21 to 65 years. In some cases, the age of 70 years has been achieved by the client.

  3. Be sure to receive a map of positive credit history at the borrower.

  4. The borrower must be submitted to receive a credit card.
  5. The recipient of the services should be submitted to the bank a mandatory set of documents for the design of the transaction.

Documentation

To obtain a credit card, the borrower must submit to the bank connected such documents:

  1. Passport Country Citizen with a mark on conducting state registration.
  2. Income certificate for the last half year.
  3. Documents confirming the fact of official employment of the Bank's client.
  4. Any other document that can verify the personality of the borrower.

On our site you can download the terms of the provision, use and refund of the loan on the "Svyaznoy Bank" banking cards and the "World Master Card" in a connected bank (CJSC). The document is located on the following.

Interest rates

Interest rates of the bank connected on credit cards are determined by the type of credit card that the client receives, and the peculiarities of the agreement between it and the Bank.

The average interest rates on credit card credit cards are connected from 18 to 30% per annum in rubles. In some cases, interest rates can be 60% per annum and higher.

Timing

Terms of use by the Client of the Bank by credit cards depends on the type of map of the Bank of the connected and features of a prisoner loan agreement between the Bank and the Customer himself.

The average value of the limits of credit cards of the bank varies from six months to three years.

In some cases, it is possible to increase the indicator under consideration due to the conclusion of a new cooperation agreement with a specific bank client.

Debt repayment

Repay the credit debt borrower can in various ways.

They may be as follows:

  • making monthly payments in accordance with the Credit Agreement schedule at the cashier of the Bank chosen by the Client;
  • transfer of cashless cash by the Bank by the Bank's customer to the established bank account;
  • making funds through an ATM bank connected or any other bank.

The Bank establishes in a loan agreement the procedure for making money counting debt repayment.

As a rule, these are equal monthly payments in the event that the client displays the entire amount of the loan.

You can also immediately make the entire amount of the amount and close the debt. Ultimately, the client has the right to independently choose an arrears redemption personally acceptable for it.

Pros and cons

The use of bank credit cards connected has its pros and cons for the borrower.

Among the advantages, users of such a service are celebrated:

  1. The speed of consideration of the application and the rate of registration of the map.
  2. Availability of cards to design by submitting an application via the Internet.

  3. The ability to deliver the card to the borrower's house, without the need to personally attend the bank to receive it.

  4. The reality of the speedy preparation of the required amount of money during its lack.
  5. A variety of ways to repay debt.
  6. The minimum set of documents that are required by the Bank to make a decision on the provision of a map.

Credit cards from the bank connected:

  1. The need to make funds in the account of repayment of debt.
  2. The presence of a bank commission when removing the entire amount of credit funds or its part in the Bank's ATMs is connected.
  3. The obligation of the positive credit history of the client to receive a map.

  4. High interest rates set by the Bank for using credit cards.

  5. The obligation to have an official work site at the borrower to receive a credit card.
  6. The minimum value of the credit limit when ordering a card via the Internet.

Of the Russian Federation, new and new players appear. One of these was "connected". The bank whom very quickly began to conquer the love of the country's population. Most experts argue that if the organization had not limited the release of their credit cards, today they would meet in the wallet of every second inheritance of Russia. What are the programs provided by this financial organization so attract consumers?

Main stream

Of all directions, which develops a "connected" bank, credit cards occupy a leading position. On the official website of this financial institution you can see that their services can be used in any country of the world and receive the necessary funds from any ATM. Using the map of this bank, you can take up to 250 thousand rubles.

In total, the organization provides its customers with 3 varieties of the most popular Light Program - 5000, 3000 and 2000. The figure in its name means the size of the minimum payment that is required to make time in the payment period. According to the loan and the size of each commission are individual for each of the customers. The credit card of "Svyaznoy" - the Bank is really reliable - allows you to receive money at the following rates:

  • 46-69% for "C-Line 2000";
  • 36-60% for "C-Line 3000";
  • 24-48% for "C-Line 5000".

The credit limit that the borrower can take advantage of, as in the case of the interest rate, is determined individually for each. For violations of the program maintenance mode, a flexible fines system are provided. The first of them (in case of delay) borrowers will be obliged to pay five days after the end of the estimated period, the second - on the 35th day, the third - on the 65th. The "connected" bank, the credit cards "C-line" which is very easy to get, unfortunately, does not provide a grace period for one of them, namely: "C-Line 2000". The remaining maps have a grace period of 50 days.

For cash balances on the account of the owner, the financial organization charges some percent. With a residue from 10 to 100 thousand rubles. The bank charges 10% per annum, with a balance of 100 thousand rubles per 100 thousand rubles. This percentage decreases to 5.

"Svyaznoy" bank. Credit Card: Terms and Documents

To obtain such a service, it is necessary to come to the bank separation or one of its communication salons. The client must comply with the following conditions:

  • be aged 21 to 65 years;
  • bring with it a valid passport of a citizen of the Russian Federation;
  • specify in the application-questionnaire your current workers and mobile phone numbers.

For the past few years, the company is engaged in promoting its services in a medium of various entrepreneurs. Today, "Svyaznoy" - the bank whose credit cards have gained popularity from a huge number of Russians, "provides its services with more than three thousand diverse legal entities in various fields. These are companies engaged in both financial services and retail and wholesale trade. In addition, the Bank participates in the mandatory system so that its customers may not worry about the safety of their cash. In the event that the bank go bankrupt, they will receive all their contributions in the form of compensation from the state.

The bank is kept its history since 2010. The establishment offers a whole range of banking services for individuals. Among the proposals are a debit and credit card connected. An online application is served directly on the site. Consider how to get plastic.

The coherent is formed as a result of the merger of two corporations - the network of communication salons "Svyaznoy" and the Bank Promtorgbank. The institution has an official website and a wide branch network.

Credit card is a standard payment tool from the connected. The feature of the plastic is that the debit and credit account are combined in the same card. Therefore, the card can be used to obtain wages, social payments and just for payments for purchases without percentage and overpayments. But the owner must closely monitor how funds are written off and to replenish the credit balance in time to avoid paying extra percent.

Now in communication salons connected you can get such a service as a credit card

Imagine the main parameters of the credit card from the coherent:

  • credit account limit - up to 250 thousand rubles. (initial, as a rule, limited 100 thousand rubles;);
  • plastic belongs to the MasterCard payment system (MasterCard), maintaining service in 29 countries of the world;
  • cash removal is possible in any ATM serving the cards of this payment system, in contrast to most Russian banks, the percentage of funds are not charged here;
  • the grace period is 50 days;
  • the interest rate is established individually, depending on the category of the borrower and the presence of insurance. The minimum possible for regular customers is 21.9% per annum.

In addition to the features of credit plastic, there are some advantages of a debit card, for example, income on the average monthly balance in a row - 6% per annum, as well as the presence of Kesbek (the return of interest with purchases) in the form of bonuses - up to 20% in partner stores connected.

Svyaznoy offers 3 rates for credit cards:

  • C-Line 2000;
  • C-Line 3000;
  • C-Line 5000.

Tariffs are characterized by a monthly contribution value - 5000, 3000 and 2000 rubles. respectively. The interest rate for ordinary, not permanent customers can reach 55% per year. The most unprofitable of the presented is the Rope C-Line 2000, since he does not have a grace period.

The grace period is valid only in non-cash calculations, as soon as the amount is removed from the plastic, the annual percentages begin to accrue. Rates, the amount of payments, the duties of the client and the connected are registered in the terms of the contract-offer. Before you sign a blank, you need to carefully check it on the correctness of filling.

If the plastic is required to withdraw cash, then you can get around the system by transferring money to the kiwi wallet. The online banking system of the connected allows you to do without commissions. For the output to the card, 1% of the amount is charged.

What does a credit card look like from a connected bank

Requirements for the Client and Documents

Credit card - a loan tool, so the bank checks the borrower's dossier for trustiness. When submitting an application, you need to significantly and fully and fully disclose information about yourself, because any typo, inaccuracy lead to an automatic failure even by prior application.

Among the requirements for the client are allocated:

  • age from 21 years;
  • permanent registration in the presence of one of the bank offices and the availability of citizenship of the Russian Federation;
  • official place of work and sufficient income.

Plus a card loan is the lack of need to inform the goal of receiving the card, as well as the ability to use the means for free (when performing the conditions of the grace period).

The percentage of approval of applications for a credit card is much higher than in standard lending. For obtaining only a passport of a citizen of the Russian Federation and a completed application for opening a card credit account.

Online Application Procedure

  • in the office of the bank through a specialist;
  • in cellular salons connected;
  • in online mode.

The last option involves the preliminary approval of the borrower questionnaire. For full design, you will still need to visit the bank with a passport.

Of course, it is easier to apply through a specialist who will fill out a questionnaire, making the necessary information, and remove copies of the passport. But in this case you have to wait 30 minutes before approval and only then sign documents and get a loan. An application on the Internet will avoid standing in queues and save time for receipt.

A preliminary solution for the issuance of a credit card can be obtained through the official website

Online loan application is applied as:

  • it is necessary to register in the Personal Account on the site and fill out the questionnaire with basic information about the future owner - FULL NAME, number of passport series, place of work, etc. and send a questionnaire for consideration;
  • the answer will come within 30 minutes and, if it is positive, then you need to wait for the call of a specialist connected and sign up for the signing of documents;
  • plastic when first handling is poor, but you can order a personal map or wait for the reissue when the expires the validity of the available plastic. Name cards have a wider functionality.

Note that the bank determines the rates and limits individually based on the customer requests and the parameters of its questionnaire. In case of refusal, the institution will still give credit plastic, but with zero limit. Card in this case can be used as debit. With sufficient circulation in the account, over time, the Bank will increase the credit limit.