Credit card MTS - reviews. Credit cards of MTS-Bank: how to receive, conditions of registration, interest

MTS-bank does not lag behind its "colleagues" and tries to select new banking products, which are aimed at simplifying the life of customers. And the MTS credit card is one of them. As today citizens of our country increasingly use such cards, they understood the advantage of owning them. Often, cards allow not only to pay for goods and services in cashless form, but also accumulate bonuses for purchases made, which in the future can be spent on purchasing different types of goods at a good discount.

Below we will take a closer look at the bank product from MTS Bank - credit cards, terms for them, and also all the advantages of using them.

Convenient services

We will point out the main positive features that distinguish the MTS credit card.

• With active use of the credit card, you can achieve a reduction in the interest rate on it by three percent.
• There is a possibility of connecting the service, where you can return to the card up to 1% of the purchase amount.
• When you connect the income calculation function, you can earn up to 10% per annum from the amount of funds on it.

Advantages

1. MTS credit card is issued easily and quickly enough. Employees of the bank consider the application no more than an hour.

2. There is a service "Mobile Bank", which allows you to manage your accounts and pay for services on the MTS-Bank website directly from home.

3. An application for a MTS credit card can also be issued online, without necessarily going to the bank branch.

4. Simple, and most importantly, free replenishment of the card account.

Types of credit cards

1. Typical map. It allows you to get borrowed funds in the amount of not more than fifty thousand rubles at 26.9% per annum. Holders of "gold" or "platinum" cards can count on 600 thousand rubles at 25.9 percent per annum. There is a grace period of 51 days. Repayment of debts occurs monthly in an amount equal to 10% of the amount of debt, for "platinum" and "gold" - 5%. There is a commission for withdrawing cash in the amount of 4 percent and for transfer to other accounts - 3%.

2. For corporate clients. For them, the bank offers special facilitated conditions: the annual rate is cut by three points, and the commission by one percent. In addition, corporate customers are allowed to receive up to one hundred thousand with the provision of one passport document. If the required amount is 300 thousand rubles, then in this case it will be necessary to attach a certificate of income to the passport, and for 600 thousand rubles an additional copy of the work record card is required.

3. For holders of salary cards. For these categories of customers, the bank also offers preferential terms: the annual rate for them is 17-18 percent, the list of documents includes only a passport. The only point is that the client must have last year's work experience in the last place for more than three months and, accordingly, the salary for the card from the MTS bank he must receive at least 3 months.

4. For depositors. For customers who have an open deposit, the bank is also more loyal: for them there is no payment for registration and annual maintenance of the card, they can get a "gold" card for free, and the interest rate is profitable for them - only 18% per annum.

5. "MTS-Money". This MTS credit card is simple in design. It can be obtained at the MTS communication center, by providing only a passport. The conditions for it are as follows: the limit is 40,000 rubles, the annual rate is 23, 35 or 47 percent, depending on the outcome of the client's analysis. It will be nice if you pay for goods and services bonuses that can be spent on free calls, SMS messages and other services from the operator of MTS.

Credit card processing

Consider how to get a MTS credit card. It is known that to receive any banking product it is necessary to satisfy the requirements of credit organizations. Specialists of the bank explain in detail how to issue a credit card for MTS and choose the kind that will be most beneficial to you.

Requirements for the borrower

1. The bank sets an age threshold of 18-60 years.
2. Obligatory presence of registration in the Russian Federation;
3. The presence of two contact phone numbers, including one of them must be stationary.

You can issue a credit card for MTS in the absence of official employment. The application can be accepted from the student working for hire, pensioners, the main thing is that they have a permanent income.

What documents should I submit to the bank?

The list of documents required to obtain a credit card can be called a model, you will need to provide:

• Passport.
• An additional document to choose from is a driver's license, a certificate of an INN or a Pension Fund.
• Income certificate.

You can issue a credit card "MTS-money" and only on the passport, but in this case the conditions for it will be unprofitable for the borrower.

Documents can be submitted to the bank as follows:

1. I personally visit the department.
2. Call the bank and place an order remotely.
3. Fill out an application on the site - this is the easiest way to issue a credit card. To do this, only the customer completes the questionnaire, then, after reviewing it, you will receive a SMS message with the bank's decision. With a positive decision, a bank specialist will contact you and agree on a convenient place and time for you to transfer the card.

How to replenish the MTS card

The management of the bank is interested in timely repayment of loans, therefore, it took care of its customers and offers several ways to replenish the card. The main ones are listed below.

1. Through the private office. The client can replenish the card from any account opened at MTS-Bank, or from another bank's card at any time of the day.
2. Through payment terminals. When using this method, the customer must pay a commission of 1-1.5% of the replenishment amount.
3. In the shops-salons Euroset, Svyaznoy and Eldorado. In this case, a commission of 1% of the replenishment amount will be charged.
4. In the mobile phone MTS.

How to close a MTS card

Close the map in the city where the bank office is present, it is possible without problems. To do this, you need to apply to the nearest office with a statement for closure. But before that you need to make sure there is no debt on the card. If everything is in order, then we are waiting for the bank's decision.

But if there is no MTS-Bank office in your city, and you do not have time and opportunity to reach the nearest settlement, where it is? Here, too, there is nothing complicated. On the MTS-Bank's website, you can fill out an application for closing the card. You print it out, sign it and send it by "Post of Russia" to the head office (115035, Moscow, Sadovnicheskaya Street, 75). To avoid loss, we recommend sending by registered mail. Before sending you need to clarify through the hotline of the bank the exact amount of debt and pay it off. As soon as the application is received by the bank and executed, you will receive an SMS notification that the card is closed.

Reviews about the map

There are many clients who have issued credit cards for MTS Bank. Reviews from their side are different. There are those who noted the speed of issuing the card, since in almost 15 minutes a decision is made to issue. Someone liked that it is very convenient to use - you can pay for goods and services by cashlessness, there is a grace period for using borrowed funds, you can easily replenish it, manage accounts.

But there are dissatisfied customers who have issued credit cards for MTS-Bank. Their feedback is negative, mainly because of poor service. Sometimes you can not get through the hotline. This is due to the congestion of it because of the large number of customers who want to know the size of the debt. The management of the bank has not thought through these moments, and they, unfortunately, strongly repel potential customers. In addition, negative reviews are also associated with the size of fees for withdrawals and transfers of funds - they are simply predatory! If a person is going to shoot only 100 rubles, then he will still need to pay a commission of 450 rubles.

After reading the reviews of experienced users of the MTS card, everyone will make their own conclusions, but do not be too categorical. Everyone has their own opinion. We recommend ourselves to analyze all the pros and cons of the map and decide whether to use it or not.

If you still decided on a credit card from MTS, we strongly recommend that you carefully study all the proposed conditions and tariffs, read carefully the contract. If you want to close the card, make sure that the whole procedure is completed correctly. So that one day you will not find out that you have a debt to MTS-Bank. It will not be superfluous if you ask for a certificate from the bank stating that the card is closed and that the institution has no claims to you.