Credit card "Tinkoff": reviews and features

To begin with, consider the official proposals of the bank. Namely - we will understand how the bank itself characterizes the credit card "Tinkoff". Comments, which are left about it, perhaps, are of a dual nature. But more on that later.

So what is the bank "Tinkoff Credit Systems"? Oleg Tinkov founded it, and it happened in 2006. The bank does not have offices, offices or points of sale. Credit card issuance takes place remotely. In other words, you communicate with the bank's employees via a toll-free telephone line or via the Internet.

The bank has a full set of remote control: "Internet Bank" and "Mobile Bank". On them you can receive information on the status of your account, track the history of transactions, make transfers, payments and much more.

All contracts and credit cards are delivered to you by courier or post office in Russia. For registration you only need one document - your passport. Revenue inquiries are not required. This is confirmed by the responses about the credit card "Tinkoff".

Accounts are provided with statements. They are sent by e-mail or by mail to Russia. Preference is given to the second option, it is more reliable.

There are four loan offers. The first of these is "Platinum", a credit card "Tinkoff". Reviews say that this is the most popular offer. Its limit is 300 thousand rubles. 55 days are given for deferring interest payments - but only if you make purchases on the card itself, without withdrawing cash. Pay attention to this.

The second offer is the All Airlines card. Here is given the same interest-free period. With this card you can insure your trip free of charge. But you need to give about two thousand rubles for its maintenance.

The third sentence is "The World of Books", the golden credit card "Tinkoff". Reviews about her are not so common. She is connected with the site "The World of Books". For the first order, a discount of 300 rubles is given and a permanent 10% discount when making purchases in the "World of Books" store. The maximum limit is 300 thousand rubles.

And the last sentence is "Classmates Tinkoff Credit Card", which can be found on the popular site "Odnoklassniki". It is with him that this card is connected. It has an individual design, and when you use it, you accumulate OK-and (monetary unit of "Classmates").

You probably already noticed that there is no indication of the interest rate. The fact is that it and the size of the initial limit are determined for each client individually. How does this happen?

You fill in the questionnaire. In it you indicate your age, the amount of your income and so on. The bank considers this data and your credit history. It is taken from a common base for all your past loans. Here, on these grounds, the interest rate and tariff plan are calculated .

Let's look at the reviews. If you urgently need a large amount of money, then you may be disappointed by the credit card "Tinkoff". Comments on this have been filled in by all the thematic forums.

What's happening? For example, you applied for 100 thousand rubles, but in the end you get a card with an initial limit of 10 thousand. And here you can not help it, the bank has such a policy.

A small limit is given, the bank looks at how you work with the card, and only then begins to increase your limit and offer more favorable terms. Dissatisfied people on this occasion a lot. Exit here is one. If you are not sure about your credit history, and your incomes are not so high, and the amount is needed, it is better to contact another bank.

Pointing out false information does not make sense. The bank will carefully check them. Calls are made in several directions. First of all, a call will be made to the accounting department at your place of employment. And do not forget that it is more profitable to pay for the card itself. For the withdrawal of cash will have to pay a commission.