PrivatBank does not offer classical lending products to individuals. However, it provides an opportunity to get a plastic credit card, which allows you to borrow from a bank for a period specified in the agreement.
Instructions
Step 1
Select the payment system on the basis of which you want to issue a credit card. PrivatBank provides individuals with the opportunity to conclude an agreement to open a Visa or MasterCard. Also, both cards can be opened in Gold format.
Step 2
Study the terms of service for the PrivatBank card. Pay attention to the points regarding the provision of a loan and the repayment of debt on it.
Step 3
Contact the nearest PrivatBank branch. The list of offices can be found on the official website of the organization.
Step 4
Fill out the standard form that the employee will give you. Show your passport.
Step 5
Keep in mind that it is not necessary to provide additional documents to open a credit card, but their availability may affect the amount of credit available to you. These documents can be a certificate of employment, documents for a car, or a certificate of registration of ownership of an apartment or house.
Step 6
Sign the agreement prepared by a bank specialist. Sign the back of your card. Remember the password given to you in the envelope with the card, and never give it to anyone, not even a bank employee.
Step 7
Pay for the purchase with a PrivatBank credit card or withdraw cash from the nearest ATM. The list of ATMs is presented on the official website. Keep in mind that the amount of funds that you can use is limited, this limit is spelled out in your agreement.
Step 8
Repay the loan within the terms set by the contract. For cards issued on the basis of the Visa payment system, the grace period for loan repayment (the time period when no interest is charged on the debt amount) is 30 days, for MasterCard - 55 days. For any of the Gold cards, this period is 55 days. You can pay off the debt in one of three ways: at a bank branch, through self-service terminals or by bank transfer through the Privat24 system.
