TCS Bank - "Tinkoff Credit Systems" - is another successful business project of the Russian entrepreneur Oleg Tinkov, which became popular after the appearance of the Tinkoff beer on the market. Today, credit products are no less popular, which this bank advertises quite aggressively.
Instructions
Step 1
TCS Bank is a unique credit institution. It is the only Russian bank that does not have offices and provides services to its clients mainly via the Internet. Thanks to the savings that are obtained due to the refusal of office services, the bank can afford to order a large number of advertising products that flooded all the media and the Internet. Of course, the TKS declared low interest rates and the availability of loans attract many people who want to get money easily. But reality does not always correspond to those sweet promises that advertising is so generously giving out.
Step 2
The activity of TCS bank can be called quite successful - in 2013 it received the title of "Bank of the Year in Russia" according to the specialized edition of The Banker. Those who keep their deposits in it have nothing to fear - this credit organization participates in the deposit insurance system and cooperates with the most popular international payment systems Mastercard and Visa. Moody’s Rating Agency confirms its high status in the banking services market.
Step 3
From credit products, the bank offers its customers deposits, debit and credit cards. That is, you can get a loan in the form of a plastic card with a certain monetary limit, the amount of which may vary depending on the frequency of using the card and how well you pay your debt. The obligatory monthly payment is at least 6% of the amount owed, in addition, it includes interest and the amount of insurance.
Step 4
The high interest rate, which in reality is much higher than promised in the advertisement, can be explained by the availability of a loan. Credit cards offered today: "Tinkoff Platinum", OneTwoTrip, "Odnoklassniki" and All Airline, you can get by filling out an application form on the website and then sending the signed agreement, attaching only scanned pages of your passport. In this case, information about income does not require confirmation, but the bank still checks them through its own channels, including the database of credit histories.
