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The most profitable credit card with a grace period. Overview of credit cards with a grace period

With the advent of the economic crisis, banks began to introduce new financial products to attract more customers. Plastic cards were especially actual. But the standard credit line is no surprise. Not everyone will want to overpay interest for using the bank's money. The most profitable credit card with a grace period - that's what a modern customer needs. The most convenient conditions for individuals will be described below.

What is the grace period?

Credit cards today offer to issue many financial institutions for free. At the same time, some give the opportunity to use the bank's finances on a preferential basis. That is, within a certain period of time you can take money from the card and at the same time do not overpay anything. The grace period is 30-60 days. However, some banks go further and offer their customers to use funds without overpaying for 180-200 days.

Is it advantageous to have a card with a grace period? Such a financial product is really easy to use. But it can be called beneficial only in a number of cases. The fact is that most clients, being tempted for a grace period, continue to use the loan after the end of the "interest-free" period. At the same time, you have to pay a rather large commission for using the credit line.

Should I draw up a credit card? The decision can only be made by the client. And you should first study the review of credit cards with a grace period.

Sberbank of Russia

The financial institution enjoys the greatest confidence from the citizens. The bank also offers a credit card with a grace period. Cash withdrawal is carried out without interest at any ATM. In spite of the fact that the preferential period is offered not too big (only 45 days), there are always a lot of people wishing to issue a financial product. This is evidenced by numerous reviews. It involves primarily the amount of the credit limit. Depending on the income, customers can get up to 600 thousand rubles per card.

At the end of the grace period for the use of credit money, the bank's customers will have to pay a commission at the level of 25.9% per annum. Overpayment is calculated based on the amount of funds withdrawn from the card on the last business day of the month.

Avangard

This bank is the most attractive, if we consider the grace period. Everyone has the opportunity to issue an account and receive a card from one of the international payment systems. For a long time, you can use the bank's finances on loyal terms. Credit cards with a grace period of 200 days is a unique opportunity to make any purchases without waiting for wages. You can spend money in shops, travel agencies, entertainment complexes, etc. In this case, it is not necessary to return the entire amount withdrawn to the card within a month. The minimum payment is 10% of the debt.

How to repay the money after the grace period. The minimum payment does not change. It will be at the level of the same 10%. However, in addition, you will have to pay a commission. Bank Avangard offers to issue a credit card with a rate of 24% per annum.

VTB Bank

Several variants of plastic cards offer to issue VTB Bank. The difference will be in the credit line provided (from 300 to 900 thousand rubles). Really profitable can be a credit card. The grace period of 50 days gives an opportunity to make purchases at the expense of a financial institution and at the same time do not overpay anything. At the end of the settlement period, the rate for new customers of the bank will be 28%. Those who have long been cooperating with a financial institution are offered more loyal conditions. At the end of the grace period, you will have to pay 22% per annum.

From VTB Bank credit card is really convenient. Each client can absolutely free to attach to his account up to 5 cards, which is very convenient for family use. In addition, the financial institution has convenient Internet banking. To track the movement of the account, you do not need to contact the bank. All you need to do is go to your own online office.

"Alfa Bank"

This financial institution also offers a very advantageous credit card. The grace period is 100 days. Terms after its completion: the rate is 18.99% per annum. Any client can receive a credit line up to 300 thousand rubles and spend the finance for any purpose. The amount that appears on the card initially depends on the income of the client.

In addition, the card of "Alfa Bank" can be replenished for free in any financial institutions. Also you can withdraw credit funds in any ATMs. Unlike the product offered by VTB Bank, the Alfa Bank credit card is also a debit card. That is, a client can not only take financial institution funds, but also put on his own account. In this case, the percentage of the positive balance will be calculated.

Good reviews can also be heard in the application "Alpha Mobile". This is a program for smartphones and tablets, through which you can track the movement of the account, transfer money from the card, replenish the account of the cellular, etc.

Promsvyazbank

A credit card with a grace period of 145 days is advantageous and convenient. This is the product Promsvyazbank offers. Its name is "Super Card". Within four months you can use the credit line absolutely free of charge. Then it is necessary to pay the amount of debt at a rather high rate - 34.5% per annum. Together with this, the bank offers a sufficiently large credit line. Depending on the official income each client can receive up to 600 thousand on a credit account.

"Supercarta" from "Promsvyazbank" helps to save. Customers who have issued the product automatically become participants in the bonus program and can make purchases at a reduced price in stores that are partners of a financial institution. Using a card will be really beneficial if you return funds to your account during the grace period. However, 145 days after the withdrawal of funds, beneficial, unfortunately, the rate can not be named.

At the request of the client, an additional card can be issued to the account absolutely free for use by close people.

Rosbank

This financial institution also offers a credit line. Any full-time Russian citizen who has a permanent place of work can become a client. The most profitable credit card with a grace period, this product can not be called. However, Rosbank offers the largest credit line. Each client has the opportunity to get up to 1 million rubles to his account. Thus within 62 days it will be possible to use money absolutely free of charge. In the future, the contract rate will be 23% per annum.

The issued card refers to the international "Visa" system. Therefore, it is possible to withdraw money from ATMs around the world, to pay for goods purchased on foreign websites. Rosbank also offers 24-hour customer support. If the card was lost or stolen, it can be blocked in minutes, by calling the hotline number.

Uralsib Bank

A financial institution does not offer the most profitable credit card with a grace period, but conditions will also please many. The limit can reach 500 thousand rubles. On loyal terms, credit funds can be used for 60 days. At the end of this period, the client will have to pay a commission at the level of 24% per annum. Interest is accrued on the balance of funds withdrawn from the card at the settlement date (the last business day of the month).

The bank issues cards of the payment system "Mastercard", which are equipped with a chip. This means that credit facilities are always under reliable protection. There is a guarantee that the money will not be stolen by fraudsters. If necessary, you can lock the account at any time.

Yar-Bank

The credit line is also offered by Yar-Bank. The service is free of charge. How to use the grace period of a credit card? On loyal terms, you can take pictures and put the funds back for 55 days. Then the rate on the loan will be 25.5% per annum. Plus, the credit line can also be opened for those clients who do not confirm official income. That is, private entrepreneurs and freelancers can take advantage of the bank's services.


Subject to confirmation of income, a credit card "Platinum" may be issued, the rate of which at the end of the grace period will be 24% per annum. To conclude a contract, the client must provide a passport of a Russian citizen, as well as an identification code.

Tinkoff

A financial institution offers many beneficial products for individuals. A credit card can also be issued. Grace period, cash withdrawal in any ATM, convenient Internet banking - all this attracts customers. Duration of the grace period is 55 days. In the future, the customer will have to pay for the bank's services at a rate of 23.99% per annum. Plus, you can call a fairly large credit line - up to 700 thousand rubles.

Credit card from the bank "Tinkoff" is also a debit card. Those who plan to keep their own savings in the account, you can count on income at a rate of 7% per annum. All account movements can be monitored in real time thanks to a convenient application for tablets and smartphones. A credit card can be used for online payments, for purchases in domestic as well as foreign stores. The data is protected by a reliable security system.

"Renaissance Credit"

Any adult citizen of Russia who has a permanent place of work can use the bank's services and arrange a credit line. Not the most profitable credit card with a grace period, but quite popular. A financial institution enjoys trust among citizens. Many seek to formalize a loan agreement here. At the initial stage, the customer can be offered a credit line up to 200 thousand rubles. The grace period will be 55 days, as in the previous case. In the future for the use of credit funds will have to pay 24% per annum.

The minimum payment under the contract, as in many other banks, will be 10% of the debt. Payments to the customer will have to be made monthly until the 25th day.

Should I draw up a credit card with a grace period? Such a financial product is really beneficial if you use it wisely.

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