Credit card plasticine design. Plasticine credit card: advantages and application process. Applying for a credit card Plasticine
Credit cards are firmly established in life Russian citizens. In addition to debit cards, which are charged wage, many additionally issue credit cards. Not long ago, Bank Credit-Moscow offered citizens to get a “Plastilin” credit card for a very favorable conditions, but in the summer of 2016 the institution became bankrupt. The bank lost its license due to failure to comply with instructions Central Bank on regulation of equity capital standards.
For this reason the credit product is not relevant.
How could you arrange
There were two ways to apply for plastic: at a bank branch and via the Internet on the organization’s official website. Let's consider each of the methods in more detail.
Registration at the bank
In this case, the client had to come to the institution and apply for a card. Required documents:
- passport;
- certificate 2-NDFL.
Having additional documents could affect you getting a higher credit limit and a lower interest rate. After submitting the application, the decision is known within half an hour. Next, the client was notified when it would be possible to pick up the finished plastic. If necessary, you could order delivery by courier or mail.
Credit card "Plasticine": online application for registration
Another option is to apply for a card on the official website financial organization. This is one of the most popular options, because you don’t need to visit the bank and waste time waiting in lines. To apply for a card, you had to go to the company’s website, select the appropriate section and fill out an application form. The presence of false information in the application form could be grounds for refusal of registration.
After a few minutes, company employees checked the application and notified about the decision via email or SMS message. Next, the client had to choose a method for receiving the finished card.
Requirements
Citizens who meet the minimum number of requirements could receive the card:
- presence of Russian citizenship;
- minimum age is 18 years, maximum is 65 years;
- official employment.
Even citizens with poor health could apply for a “Plasticine” card. credit history.
Additional services
The bank offered its clients to use additional services:
- online banking;
- SMS information;
- replenishing the card with your own money;
- no commissions for currency conversion when paying for goods and services;
- favorable discounts and offers for holders of premium MasterCard cards.
Conditions
The card provided the following credit conditions:
- credit limit– from 30,000 to 350,000 thousand rubles;
- interest rate within the range – 26.4–33.6% per annum;
- the interest rate on the balance of the debt after the grace period is 2.2% of the debt amount;
- release is free;
- maintenance cost – 600 rubles annually;
- category – Gold;
- Grace period lasting 55 days;
- the ability to make payments abroad;
- free internet banking.
Grace period
Holders of Plasticine credit cards were given the opportunity to take advantage of a grace period of 55 days.
At this time, clients could use the bank’s funds absolutely free, provided that the debt was repaid on time.
The service began to operate on the 1st or 10th of the month, depending on the card tariff. For the first 30 days, clients were given the opportunity to use loan funds without interest, and in the remaining 25 days the debt had to be repaid. If during this time the client did not repay the debt, interest was charged.
The grace period applied not only to payments for goods and services by bank transfer, but also to cash withdrawals through ATMs.
Advantages Credit card
- “Plasticine” had a lot of advantages:
- Inexpensive service – 600 rubles per year.
- No issue fee.
- It was possible to register in 40 regions of the Russian Federation.
- Possibility to receive a credit card on the same day of application.
- Grace period extended to cash withdrawals.
- Possibility to obtain plastic certificate from 18 years of age.
- There is no fee for using the Internet banking service.
- Delivery to your home or work is possible.
The need to meet a minimum number of requirements.
It was possible to apply for a “Plasticine” credit card using one passport. If it was necessary to obtain a maximum credit limit, it was necessary to provide a salary certificate.
- Flaws Not provided additional bonuses
- and cashback.
The high commission for cash withdrawal reaches 4.4% + 399 rubles, depending on the tariff.
Card replenishment
- Cash at Credit-Moscow bank. To carry out the operation, you only need a passport. If the card was topped up before 16:00, the funds were credited on the same day. In other cases, the next one. There is no commission.
- Cash through Credit-Moscow ATMs or partners. The money arrived in the account within 1-2 business days. There is no commission.
- QIWI terminals. Enrollment within 2 business days. Commission - 3% of the amount + 15 rubles.
- Electronic wallets Yandex Money and Webmoney. Maximum limit- 15,000 rubles per day. For identified wallets, the maximum amount at a time was 75,000 rubles, per day - 450,000 rubles, per month - 1,500,000 rubles. Enrollment period is 2 days. Commission – 3% + 15 rubles.
- Bank account. Documents required include the recipient's passport and account number. Funds were credited to the account within 2 days. Commission - 1–2%.
- Master Bank ATMs. Receipt of money to the account within 2 days. Commission - 45 rubles when transferring an amount less than 15,000 rubles; 45 ub. +0.2% - more than 15,000 rubles.
- ATMs Russian standard. Enrollment within 2 days. Commission - 1%, but not less than 90 rubles.
The premium card "Plasticine" is issued by Credit-Moscow Bank. The credit card still causes a huge amount of controversy. On the one hand, Gold class cards with all the privileges are usually provided only to selected clients, on the other hand, the lender offers it to absolutely all clients who have met the basic requirements specified in the bank’s rules. What kind of card is this and how to get it is discussed below.
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Conditions
The “Plasticine” card can be ordered by adult citizens of the Russian Federation, with permanent residence who have a job. To obtain a credit card you need a civil passport. Sometimes the lender asks for additional documents, including a certificate of income.
The lender offers a premium card with all the privileges, as well as a limit of up to 350,000 (it is determined individually, after studying the solvency potential client).
According to the terms, the client is provided with an interest-free period for non-cash and cash transactions of up to 55 days.
The bank has set a fee for annual servicing of a card account at 600 rubles. Interest rates under the agreement are 26.4-33.6%.
If the client carries out non-cash transactions, no commission is charged, when receiving cash - 4.2% + 399 or 4.4 + 399 rubles.
Applications for a credit card are accepted at the bank office or remotely. The credit card is delivered by courier or by mail. The card is issued on the day of application.
The minimum payment on the Plasticine card is 5%. You can pay for it through the Zolotaya Korona service, Qiwi terminals, etc.
If payment is made late or incomplete, the lender charges a penalty and also has the right to change the rate upward.
How to apply?
It’s easy to get a premium “Plastilin” credit card.
To do this, just follow a few simple steps:
- apply for a credit card – the response comes by email or SMS;
- If the answer is positive, we recommend that you carefully read the proposed conditions and only then agree to further registration;
- The lender agrees on the time and place for issuing the card and then delivers the credit card to the borrower’s home.
The card is issued as inactive, that is, no transactions can be made with it. The client, independently or with the help of a bank employee, must go through the activation procedure and only after that he will be able to carry out full-fledged operations using it.
Online application for a credit card Plasticine
An application for a card can be completed not only in the office credit institution, but also at home. If a potential client has access to the Internet, all he needs to do is fill out the form provided.
This step takes about 5 minutes. The data must be reliable and complete, since the lender will refuse to issue a loan even if there is a typo.
Immediately after the bank processes the application, the borrower will receive a response in the form of SMS or email.
If the decision is positive, there is no need to go to the bank; the loan officer will bring the credit card to your home.
Offers
Credit-Moscow Bank offered clients a unique premium card “Plasticine”. A credit card with a low annual maintenance cost allows you to use many VIP services (24-hour support, a number of other privileges).
The main conditions for the card are given in the table:
| Transaction parameters | |
| Limit | Up to 350,000 |
| Card type | Master Card |
| Documents for registration | Civil passport, additional documents may be required |
| Time for registration | 1 day |
| Methods of obtaining | By mail, courier |
| Bid | 26,4-33,6% |
| Grace period | Yes, up to 55 days, applies to all transactions, both non-cash and cash |
| Borrower's age | 18-65 years old |
| Cash withdrawal fee | 4.2%+399 or 4.4%+399 |
Requirements
The requirements for receiving a card from the bank are minimal.
To order a credit card by courier or by mail, you must fulfill the following conditions:
- have Russian citizenship;
- have a permanent residence permit;
be solvent and be able to document income if the bank insists on it;
- Age restrictions: 18-65 years.
The lender does not have any additional requirements; the bank does not require a guarantee or other security for obligations.
Documentation
In order to order a credit card, the client needs to fill out an application and send it to the bank. The client also needs to prepare a civil passport.
The client may be asked to provide additional documents such as:
- document confirming employment;
- a certificate showing the amount of average monthly income;
- an identity document other than a civil passport.
Interest
The fee for using credit funds is 26.4-33.6%.
The client is given the opportunity to use credit funds for up to 55 days free of charge. This service is possible not only for non-cash transactions, but also when withdrawing funds from an ATM.
The client also needs to be prepared for the fact that there are additional commissions and fees, for example:
- annual maintenance– 600 rubles;
- commission for cash withdrawal – 4.2%+399 or 4.4%+399;
- a penalty accrued in case of late or incomplete payment of a debt.
Loan terms
The credit card is valid for 3 years. As soon as the period comes to an end, the card is changed. This service is free, and no re-signing of the contract is required.
Applying for a loan takes about 5 minutes. If the decision is positive, the credit card is issued on the day of application.
Repayment of a debt
The debt is paid starting from the next month after the debt is formed. The minimum payment amount is -5% of the amount.
Incomplete payment or late transfer of funds leads to the accrual of penalties.
The client has the right to repay the loan early. If the payment is made during the grace period, no interest is charged.
The client can pay the debt in any convenient way:
- through QIWI terminals;
- through the Golden Crown;
- by bank transfer from any Russian bank.
The payer must remember that when paying through third-party companies, additional fees will be charged.
If the deposited amount is credited to the account in an amount less than the minimum payment, a penalty will be charged.
Advantages and disadvantages
There are several advantages of getting a “Plasticine” credit card:
- fast processing;
- home delivery by mail or courier;
- premium card;
- the grace period applies to cash and non-cash transactions;
- high limit.
A rather interesting card product from a design point of view is offered by Credit-Moscow Bank - a gold credit card “Plasticine”, on which there is a picture and everything required elements cards (number, owner details, expiration date, icon payment system etc.) are rotated 90 degrees.
Let's take a closer look at whether this card has other advantages.
Fact 1. Card design
To apply for a “Plasticine” card, you need to fill out an online application on the bank’s website, within 15 minutes to your mobile phone or the specified email address, a decision will be made regarding the possibility of providing a credit limit.
Next, you will still need to visit the bank to transfer a package of documents. After submitting the documents, you will be able to receive your card by mail or courier at a convenient address. Thus, from the point of view of ease of obtaining, the Plasticine card is of course more convenient than many other cards, since you only need to come to the bank once, but there are also more attractive applications when the card can be issued without leaving your home, for example in TKS or B&N Bank.
To activate the card you will need to call hotline: 8 800 100-82-82 (calls within Russia are free).
Fact 2. Requirements for borrowers
Here the bank was pleased, since persons aged 18 to 65 years can receive a “Plasticine” card, while the majority credit institutions cards are issued only from 21 years of age to 55 years of age. It turns out that both students and pensioners can get a Plastilin card.
Also, permanent registration is not required.
Fact 3. Annual maintenance
The cost of annual servicing of the Plasticine credit card is 600 or 990 rubles. Although the tariff is set at the discretion of the bank, this is still a very attractive offer for a Gold category card.
Fact 4. Credit limit
Bank Credit-Moscow promises a credit limit of up to 350 thousand rubles for this card. This is certainly quite large size limit, but if you consider that the “Plasticine” card belongs to the Gold category, then the limit can be called very modest. Thus, Russian Standard Bank offers 450 thousand rubles for classic credit cards, and 750 thousand for gold cards. In general, the market average for gold credit cards is a limit of 600 thousand.
Fact 5. Grace period for lending
A plasticine credit card offers a grace period of up to 55 days, which is generally a pretty good indicator for the market. At the same time, the interest-free period applies to both non-cash transactions and cash withdrawals, which increases its attractiveness.
Fact 6. Interest rate
The interest rate for using credit funds on the card ranges from 26.4% to 33.6% per annum, which, of course, is not one of the best offers on the market. So, for example, at VTB 24 the rate on a gold card is 22% per annum, at Sberbank it is 24%.
However, here it is important to take into account that if the minimum payment (5% of the debt) is not paid, the rate increases to 80.3% per annum.
Fact 7. Cash withdrawal fee
The commission for cash withdrawal is slightly higher than the market average and depends on the established tariff plan - 2% + 299 rubles (tariff 1), 2.5% + 399 rubles (tariff 2), 2.9% + 399 rubles. (tariff 3). For comparison, the withdrawal commission in Russian Standard is 4.9% for a minimum of 100 rubles, in Citibank - 3.5% for a minimum of 350 rubles, in Sberbank - 3%, in Alfa Bank - 3.9%.
Fact 8. Top up your card
You can top up your Plastilin card different ways. Choose the one that suits you most:
Replenishment method Commission Enrollment period Note In cash through ATMs of Credit-Moscow Bank or partner banks of the OPC system with the function of accepting money 0% minimum 1-2 working days Cash through the cash desk of Credit-Moscow Bank 0% If you deposit at 16-00, then they will be credited on the same day, if after, then on the next day To top up your Plastilin card through a bank cash desk, you must have your passport with you. Cash via QIWI terminals 1.5%, minimum 50 rubles minimum 2 working days To deposit cash, use the search by typing “Plasticine” or “Credit-Moscow” or go to the “Loan repayment” and “Card replenishment” menu and find the button with the card or bank logo. Enter the BIC of Credit-Moscow Bank (044583501), as well as the account number to which you want to deposit funds. Top up via QIWI (opens in a new window). Electronic money WebMoney and Yandex-money 3% of the amount + 15 rubles minimum 2 working days In the Yandex.Money system interface, select Transfer to Visa card or MasterCard. You will need to indicate your card number. Maximum amount operations taking into account the commission is: for identified wallets - 75,000 rubles. one-time, no more than 450,000 rubles. per day, and no more than 1,500,000 rubles. per month. For anonymous wallets - 15,000 rubles. in a day. By bank transfer from any bank 3% (usually 1-2%) minimum 2 working days You must have your passport with you and indicate the recipient's account number. ATMs of Master Bank with cash acceptance function Up to 15,000 rub. - commission 45 rub. From 15,000 rub. - commission 45 rubles + 0.2% minimum 2 working days Insert the card into the ATM and select the "Card replenishment" menu item. ATMs of Russian Standard Bank with cash acceptance function 1% of the amount, but not less than 90 rubles. minimum 2 working days Insert the card into the ATM and select the "Card replenishment" menu item. So, let's summarize.
The main advantages of the Plasticine credit card » from Credit-Moscow Bank consist of an exclusive design, low cost of annual maintenance and the ability to issue a card from the age of 18. The interest rate on the card is quite high.
All other characteristics of the card are generally average for the market.
Credit card Plasticine is issued by Credit-Moscow Bank (JSC) together with the international payment system MasterCard Inc . Credit card It is considered premium because it is printed on plastic. Gold , and allows its holders to take advantage of all the benefits of VIP service (promotions and special offers, concierge service, etc.).
Requirements for borrowers. Procedure for obtaining a credit card Plasticine
The banking institution puts forward quite simple requirements for future holders, compared to other banks in the Russian Federation - citizenship of the Russian Federation, age from 18 to 65 years (for both women and men). Of the documents required to be provided, only a passport of a citizen of the Russian Federation is required. Documents that can confirm solvency (certificates, account statements, property documents, etc.) are not required to be provided, but may affect the maximum loan limit. The client decides whether to provide them or not.
To issue a Plasticine credit card you must:
- 1 fill out a form on the official page of Credit-Moscow Bank, which will not take more than 5-10 minutes;
- 2 the decision is made by bank employees within 10 minutes after analyzing the information provided by the potential borrower;
- 3 the bank’s decision (negative/positive) is sent to the mobile phone number/email address specified by the client;
- 4 If the decision is positive, the card is given to the client by courier delivery or mail.
Features of a credit card Plasticine
The card is valid for three years and is issued by the bank free of charge. Annual maintenance is also inexpensive as for a premium level card - from 600 rubles.
The maximum limit that is offered banking institution by card, is 350,000 in national currency. Credit funds are provided by Credit-Moscow Bank only in rubles, however, in the case of transactions carried out using a Plasticine credit card in foreign currency(for example, payment for purchases abroad), automatic conversion occurs at the bank rate. There is no fee for this type of transaction in the tariffs of the banking institution.
The card line is renewable.
The interest rate is from 26.4 to 33.6% per annum, determined by the financial institution when reviewing the client’s documents and making a decision on issuing a loan. The card product provides a grace period. Its duration ranges from 25 to 55 calendar days. If the used credit line is fully repaid before its expiration, interest on the loan is not charged by the bank. A special feature of the Plasticine credit card is that the grace period applies to all transactions on the card (payments for purchases, cash withdrawals, bank transfers). This is an undeniable advantage, since most banking institutions Russian market They offer a grace period only for funds spent on purchases.
For borrowers who do not have sufficient free funds to full repayment loan amount, the banking institution provides the opportunity to repay the loan in installments. To do this, the borrower must pay monthly 5% of the amount of the used loan, as well as the amount of accrued interest, commissions and possible penalties.
The client can repay the debt on the issued Plasticine credit card in one of the following ways:
– ATMs, cash desks of Credit-Moscow Bank (no commission);
– ATMs of partner banks (no commission);
– QIWI terminals (commission 1.5%);
– Zolotaya Korona service Loan repayment (commission 1%);
– Contact system(1.5% + 20 rubles);
– also through Yandex. Money, WebMoney, cashless transfer.
Before using the services of a particular company, we recommend that you familiarize yourself with the tariffs and terms for crediting funds to accounts opened for the card at the creditor bank, and make repayments on the last days of the payment period only at the cash desk of Credit-Moscow Bank.
For violation of repayment terms, the bank provides penalties (700 - 1100 rubles) and an increased interest rate (0.22 - 0.32% per day).
Withdrawals from the Plasticine credit card have monthly limits of 60,000 in national currency. The bank's commission is quite low - 2% + 299 rubles at its own ATMs, ATMs of partner banks, as well as 4.4% + 299 rubles at ATMs of “foreign” banks. It should be noted that all financial conditions on the card are quite transparent and understandable, you can read them on the official page of the financial institution on the Internet.
The bank does not offer any special loyalty programs for the card. Since the Plasticine card is issued on premium plastic, the card gives the holder access to shares, special offers, concierge service from the payment MasterCard systems Inc. WITH full list current offers can be found on the official website of the Ministry of Railways on the Internet.
Credit cards have become a part of every person's life. In addition to the usual debit card, on which wages are calculated, many additionally issue themselves credit cards. It is important to find the most profitable proposition. The Plasticine credit card is a product of the Moscow bank Credit Moscow. In this article we will look at tariffs, how the card could be issued and what its advantages are.
Rates
It was possible to get a “Plasticine” card from Credit Moscow Bank for free. The company did not charge a commission for its release. In this case, delivery was carried out both by courier to your home or office, and through Russian Post. Basic conditions:
- lending limit up to 350,000 rubles;
- plastic validity period – 3 years;
- the interest rate under the agreement was set individually and varied from 26.4 to 33.6%;
- annual service fee – 600 rubles per year;
- grace period – up to 55 days. At the same time, it spread both to non-cash payments, and for cash withdrawal;
- the mandatory payment is equal to 5% of the debt amount at the end of the billing period;
- the one-time commission for cash withdrawal transactions is 2%, and minimum size– 290 rubles;
- for late payment a fine of 600 rubles and a penalty of 0.1% of the debt amount per day are imposed.
One thing to note about the “Plasticine” (credit card) tariff plan is that it assumes a fairly high credit limit, which, of course, is determined on an individual basis. Also, the annual maintenance is not as high as what is possible with competitors. The main unique difference is that the grace period applies to cash, which is quite rare in other banks.
The design of a plasticine card can be done in two ways. First - classic way through a bank branch. You will need:
- contact the company to fill out an application;
- You must have a passport with you, 2-NDFL. The presence of other documents may have a positive impact on the maximum amount and tariff rate;
- the specialist sends a request and provides the bank with a decision. The procedure takes half an hour;
- after which the employee can set a day to receive the plastic or make a request for the card to be delivered by mail or courier.
The second option is to create an online application through the banking organization’s website. In this case, there is no need to contact the company branch. The procedure for obtaining a Plasticine card online is as follows:
- go to the bank’s website and select the “Credit Card Application” menu;
- make an application;
- it contains standard personal data and information on employment and earnings;
- specialists will receive the request and notify you of the decision via email or SMS;
- The delivery method will be assigned by mail or courier depending on the client’s wishes.
Card maintenance costs 600 rubles per year. For this price the client is provided with:
- free SMS messages about transactions, information about the amount of debt and mandatory payment, the timing of its payment;
- personal account on the company’s website with the ability to receive account information online and make money transfers;
- the ability to use a MasterCard system card around the world. Currency conversion is provided;
- discounts and bonuses from trading partners.
You can deposit money without commission through the cash desk and ATMs of Moscow Bank. In this case, the funds are credited to the account on the same day. Payment is also possible through third-party systems, such as:
- “Golden Crown” (“MTS”, “Beeline”, “Euroset”, “Svyaznoy”). Commission from 1%;
- third party banking organizations with or without opening an account. The commission is appointed by the sender;
- "Cyberplate". From 1%;
- "Eleksnet". From 1.5%;
- "Kiwi". From 1%;
- by transferring money from card to card.
When using third-party organizations, it is necessary to clarify the terms of enrollment Money. Since even if the amount was sent on time, if it arrives in the account later than the allotted time, then the overdue debt will be allowed and fines and penalties will be charged.
The bank had representative offices in 46 cities of Russia. And the requirement was that the client’s registration coincided with the region where the Moscow bank was located. The borrower must be between 21 and 65 years of age. Also have income that can be documented. In this regard, the package of documents is minimal:
- passport;
- application from the website or in the office;
- certificate 2-NDFL.
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