Everyone is faced with the need for money, especially in a crisis. Borrowing from friends every time is inconvenient, but taking a loan from a bank means meeting certain conditions and requirements of a financial institution. In practice, you need a bank product that you can use to easily take money and pay off after a short period of time. It is also desirable that the review procedure takes a short time and with a minimum package of documents.
Among these search criteria on the Internet, the first lines in the search engine are taken by Tinkoff bank. His Tinkoff Platinum card has several advantages and disadvantages.
Of the advantages, it can be noted that the decision on the application can be found out within 1-2 calendar days. It's fast enough. The bank's answer will be sent via SMS. You can get a Tinkoff card without leaving your home - it will be delivered at the right time and date by a bank representative. In addition to the card, you will receive your individual tariff plan and a copy of the loan agreement. You can apply for a card on the bank's website or by calling the call center if you have a valid Russian passport.
A distinctive feature of the card is that it can be used to transfer the balance. That is, by means of credit money, the amount of debt is written off from the Tinkoff Platinum card in favor of the bank in which you had a loan. During the first three months of using the service, there is a preferential rate: accrual of 0% per annum, 0% of the transfer amount. The balance is transferred to a bank account within 120,000 rubles, and to a card in the amount of 75,000 rubles, no more.
Among the advantages, one can also note an interest-free grace period of 55 days for purchases on the Internet and in stores. During this time, the bank does not charge interest for using the loan when paying the minimum payments in the amount of 8% of the outstanding amount (min. 600 rubles). The credit card provides a reward in the form of bonuses that can be compensated for in the categories of transport and restaurants.
One of the drawbacks on the card is the accrual of a fine of 590 rubles for non-payment of the minimum payment and an increase in the interest rate in case of delay. That is, if you did not take care of the minimum payment in advance, then the penalty will be even if the payment is delayed by a day. Therefore, it is better to repay the given credit card on time.
Another trick is to write off the card's annual service. After activation and the first purchase by credit card in cash or by bank transfer, the next invoice will include the amount for the annual Tinkoff Platinum service. Subsequently, this amount will be debited from the card annually. Therefore, for those customers who paid off their debt to the bank in full, but did not close their account, the amount of annual card maintenance will be charged annually. Therefore, it is better to clarify information on the card either by calling the call center, or on the bank's website in your personal account.
With this card, you can withdraw cash, but the interest-free period no longer applies to this operation. And there is also a commission in the amount of 2.9% + 290 rubles. You can withdraw money at any ATM that supports Mastercard and Visa payment systems, but not more than the approved credit limit minus the commission for withdrawing cash.
These are perhaps the main advantages and disadvantages of the Tinkoff Platinum card. In any case, if you use the card wisely, you can benefit.
