Alfa-Bank: credit cards, reviews, comments

If you already had the practice of receiving wages on a card, then for you - a credit card of Alfa-Bank. Customer testimonials indicate that with the experience of using a debit card, "addictive" to a convenient credit bank product is faster. To go to such a step makes sense, for example, for making a large family purchase. Do not need to accumulate a long salary, accumulating the right amount on a debit salary card. At your service is the Internet service of Alfa-Bank. To do this, you need to use the menu: Alfa-Bank products / Credit cards. The bank's customers' opinions speak about the convenience of the service. In addition, with the help of this tool, you have the opportunity to borrow money from the bank not in advance, paying for "unproductive" days, and immediately before the acquisition. If you paid not by cash, withdrawn on the card at an ATM, but through acquiring, then you did it doubly sensibly, saving on the bank commission for withdrawing funds from your card account.

Another factor of choice is the developed corporate ATM infrastructure, which serves credit cards for Alfa-Bank. Customer feedback will also convince you of its reliability. From the experience of receiving wages already old acquaintances are the standard card details: a 16-digit card number, a 10-digit card account number. But, as you know, the credit line will additionally be tied to a new credit card.

Having come to the bank, you definitely have to spend some time on registration. In this case, you should carry not only your passport with an identification number, but also evidence of the dynamics of your income - a tax certificate of 2-NDFL. If the loan amount is significant, then a bank certificate for a car, a passport (if you have traveled abroad in the past 12 months), a voluntary insurance policy will help reduce the bank interest . The department, in which you applied, forms a special package of documents - a loan application. Having filled it, it will be necessary to wait for the consideration of the credit committee, in order to get credit cards from the Alfa-Bank company with a positive result. The testimonies indicate that in the practice of approving loan applications Alfa-Bank, which is generally accepted by domestic banks, is quite expeditious.

Determine in what currency the loan will be profitable for you. If you buy in the domestic market - in rubles, when traveling to Europe - in euros, if the country of residence is dominated by dollar payments, then in dollars. Although, in principle, the cards are universal, but, as you know, buying a domestic store for a dollar credit card will entail an additional commission for conversion, which can be avoided by initially opening a card in rubles.

It makes sense to consult with the employees of the department about the optimal limits for withdrawing cash, especially if this credit card is needed for operations abroad. "Alfa-Bank" percent assumes moderate, on this account it is not necessary to worry. The credit limit for individuals is from 10.8 to 450 thousand rubles. The interest rate range for ruble lending is 17.99 / 28.99, for the same currency - 15.99 / 26.99. The period of withdrawing money from a credit card without accrual of interest for them (grace period) is 60 days. But in the case of shares, it increases to 100 days! That is, in this period the borrower should pay with the Bank.

How to choose credit cards from Alfa-Bank? Reviews look no sense, everything is standard. There is a choice between Visa, MasterCard, MasterCard PayPass, Visa PayWave. The bottom line is that with all the above options, the "classic" credit limit is 150 thousand rubles, 5 thousand dollars, 3.8 thousand euros.

If your income falls under the category of "gold" credit cards, then you can choose in the "premium" class. GOLD cards are available for you, opening special club privileges and services in hotels when traveling. In this case, the credit limits will be respectively 300 thousand rubles., 10 thousand dollars, 7.6 thousand euros. For business trips abroad, wealthy citizens who value comfort and quality service, cards of PLATINUM category are best suited. Crediting for this class of cards involves credit lines: 750 thousand rubles., 25 thousand US dollars, 19 thousand euros.

The period for considering your loan application is 1-5 days. Good luck!