Many Russians have already appreciated the convenience of using plastic bank cards. Credit cards offered by banks, including TKS Bank - Tinkoff Credit Systems, make it possible to use the money of these credit organizations on credit, paying for purchases with them and withdrawing cash from ATMs.
Credit cards of Tinkoff bank
Bank "Tinkoff" issues credit cards free of charge, you receive a card after submitting and completing an application. The interest rate on the loan is set in each specific case on an individual basis and you can find out what it is only after you receive the agreement and an unactivated credit card of this bank in your hands.
When the percentages seem unreasonably high to you, you can simply destroy the received card and thereby refuse to use it. In the event that you decide to use a card of this bank, you should know how to withdraw funds correctly in order to reduce the cost of using a loan.
How to withdraw cash from a Tinkoff bank credit card
You can withdraw cash from the card at an ATM of any bank where MasterCard and Visa payment systems are serviced; TCS Bank does not have its own ATMs. But you must remember that in this case, the amount that you can withdraw at one time may be limited and, in addition, the bank that provided you with its ATM for withdrawing cash may withhold a fairly large percentage for this operation. Before you cash out money on a Tinkoff credit card at a particular ATM, find out how much interest you will be charged.
A convenient way to make a monthly payment to repay a loan is Internet banking. You can perform these operations without interest in Euroset stores.
Cashless payments using a Tinkoff bank credit card
You must clearly understand that it is beneficial to use Tinkoff bank credit cards only for non-cash payments. In this case, you will be given a grace period for a period of 55 days, during which you can return the funds to the card, and you will not be charged a penny for using them.
When paying for purchases on the Internet, you will receive an SMS message, which will indicate the name of the store, the amount to be withdrawn and a one-time password with which you confirm your desire to pay.
You can use the possibility of non-cash payments with a Tinkoff bank credit card in the same way as with a card of any other bank - it will be accepted when you pay for purchases in stores, including on the Internet, as well as hotels, restaurants, entertainment clubs … If you do not deposit the withdrawn amount after the specified time, you will be charged interest and you will receive a message with the estimated amount of the minimum payment that will need to be paid monthly.
