Tinkoff bank credit cards are very popular among Russians. The reasons are that it is quite easy to issue such a card and it does not require proof of income.
It is necessary
Credit card of Tinkoff bank
Instructions
Step 1
The Tinkoff credit card allows you to count on a credit limit of up to 300 thousand rubles. The card has a grace period of 55 days, during which no interest is accrued for the use of borrowed funds. To obtain it, it is enough to fill out an application on the bank's website; a visit to the branch is not required. The card is available for persons over the age of 18. Registration involves the provision of only one document - a passport.
Step 2
There is no information on the bank's website about what documents must be submitted to increase the credit limit at the time of the application. Therefore, initially, a credit card is issued with a minimum amount of the provided limit - an average of 5,000-10,000 rubles. This policy of the bank is due to the fact that when issuing a card, additional security, surety, and proof of income are not required.
Step 3
To increase the credit limit, the borrower must actively use the card to pay for goods and services, as well as pay off the resulting debt on time. It is also taken into account how quickly the debt on the card was repaid. Only after confirming its solvency and high financial discipline, the bank can go to increase the credit limit on the card.
Step 4
The specificity of Tinkoff Bank's policy is such that no additional applications are required to increase the credit limit. Calls to customer support with such a request will not bring the desired result. The Bank makes a decision to increase the limit on its own based on automated accounting of cardholders. In this case, the period of active use of the card (namely, use, not possession) is taken into account, as well as the amount of used and returned funds. Of course, the bank will not agree to increase the limit in the absence of regular and non-overdue payments. And in the presence of delays, the bank can go to reduce the credit limit, or even zero it out.
Step 5
The review of the credit limit on the Tinkoff Platinum card is carried out every four months. The borrower is notified of this via SMS. After that, he just needs to confirm his consent to increase the limit and use a card with extended credit capabilities.
