Map of Tinkoff. Reviews and brief description

A credit card is a plastic card that is provided by banks to a client on the terms of a loan agreement. It is used to conduct transactions in which the bank's funds are used. To date, this is the most convenient option for payment or storage of your funds. One of the most popular in Russia is the Tinkoff map. User reviews show that it has a number of positive qualities. So, the grace period lasts up to 55 days. This means that its owner throughout this period uses a card without accrual of interest. In a more accessible language, if you pay any goods with a credit card and repay the debt within the above period, then the bank interest on the loan is not accrued.

There is another plus that the Tinkoff card has. The reviews show that the money provided by the bank can reach 300,000 rubles. In addition, it is possible to repay the loan throughout the territory of Russia without a commission. As for the minimum payment, it does not exceed 6 percent of the debt amount. This is significantly less than, for example, in Svyaznoy Bank, where the amount of the minimum repayment amount does not depend on the amount of debt, but has a fixed rate.

Card maintenance for the first year is free of charge. In subsequent years, a fee of 590 rubles will be charged.

Interest for withdrawal of money depends on the tariff plan, according to which a specific Tinkoff card is drawn up. The testimonials show that they are not very different from the percentages of other banks in the commission of such an operation and are 3% + 290 rubles. As can be seen from the above, it is not profitable to withdraw small amounts. If the purchase is made by bank transfer, then these percentages are not withdrawn.

The application for its receipt can be left on the official website of the bank. The issuance of the card differs slightly from similar processes in other similar institutions. So, in case of approval of your application, it is delivered by courier to the house. Here, a contract is signed and a Tinkoff card is provided. The reviews show that when making a decision, the bank pays special attention to credit history. If there are any comments to your candidacy, the chances of getting this card are significantly reduced.

Bank Tinkoff provides several types of credit cards: Tinkoff Platinum, Tinkoff Classmates and the gold credit card "Book World". The first card, which was issued in 2007, was the Tinkoff Platinum card. The reviews show that its main advantage is a rather large credit limit and 24.9% per annum, which is much lower than in other banks. This rate applies to all purchases made by a non-cash method. The validity period of the card is 3 years, then it is renewed, as the term of the loan is not limited.

Reviews about the map Tinkoff show that almost all of their holders are satisfied with this banking product. She is an indispensable assistant in the event of financial difficulties. Plus, everything - fast registration, in which you do not need to confirm the information about income.