Home Credit credit card has a grace period. You can withdraw cash from it. It can be issued both according to two documents, and with the provision of a certificate of income. In the latter case, lower interest rates are offered.
Home Credit Bank credit card is distinguished by a high speed of approval of the application and loyal conditions of receipt. For this, the borrowers have to pay off the debt at high interest rates. In total, there are two types of plastic: express card "Quick Purchase" and a credit card with cashback.
Terms of registration
A passport and TIN must be provided. To reduce the rate, you can bring:
- work book;
- 2-NDFL certificate;
- valid passport.
If in the last year you traveled to other countries, this can serve as proof of your ability to pay. When all securities are provided, the interest rate is from 29, 9% per annum. If they are absent or if part of the documents is provided, this indicator can vary from 34 to 49.9%.
The borrower must meet certain requirements to obtain a credit card for use. Only citizens of Russia who are registered in the city where the bank branch are located can use the services of the bank. The amount is determined depending on the income of the citizen, this parameter is calculated using a special program.
It is necessary to work in the last place for at least three months. The presence of a landline phone (work and home), a driver's license will also have a positive effect on decision-making. If the amount to be received is large, a deposit or invitation of guarantors may be required.
For registration, you can contact any branch of the bank or submit an application through the official website of Home Credit. All the information provided is carefully checked, if you provide false information, you can permanently lose the opportunity to receive a loan, since this information is entered in the credit history.
Testimonials
Borrowers note that one of the main advantages is the transparency of the loan agreement. No hidden fees, payments are fast. The bank offers several options for debt repayment, so you can always find the most suitable option.
Clients who pay off debts on time are offered to issue an installment card or take advantage of credit offers on more favorable terms. An installment card makes it possible to pay for purchases in stores without having to make interest payments. In this case, the purchase is divided into three equal payments, which are made monthly.
Users in the reviews point out that the main disadvantage is the increased interest rates. Additional amounts are withdrawn if cash is withdrawn from the card. For many, it would be more convenient if the grace period for the card was 50 days or more. But even during this period, you need to pay up to 5% of the amount so that the accrual of interest does not occur.
Thus, Home Credit credit cards are convenient. Compared to a consumer loan, they are more profitable when there is a shortage of a small amount that you can quickly repay.
