Do you want to save on a Home Credit loan, get a mortgage at a reduced interest rate, or make a profitable deposit? The benefits of banking services of a financial institution can be assessed by using the special offers of Home Credit. You will learn about the bank's promotions and the timing of their implementation from this publication.

Products of Home Credit Bank with shares*

Home Credit special offers apply to:

• Conditions for issuing cash loans.
• Getting credit cards.
• Debt repayment.
• Placement of deposits.
• Opening accounts.
• charitable purposes.
• Cultural events, etc.

To receive information about the bank's shares, subscribe to the news of the credit institution:

1. On the main page of the site in the top banner in the tabs "Online application", "Loans", "Loans" or "Deposits".

The specified page with special offers also opens by clicking on the tab on the right "Special offer of the Bank".

2. In social networks. Direct links to the bank's official accounts can be obtained on the Home Credit website. You can also find the profile of a financial institution through the search engines of social portals. To do this, just enter the official name of the organization Home Credit Bank or Home Credit Bank in the search bar.

3. On the page of the Home Credit website with promotions.

From the main page, you can go to the "Other Services" - "Promotions" tab.

4. In the "Ask a question" tab on the Home Credit portal on the right or the link of the same name above

6. To receive news on loan offers, follow these steps:

• Open the tab "Loans - "Learn about the special offer from the Bank".

• Clicking on the link opens the application page. Fill in the following fields:

Your date of birth;

Mobile phone;

Email.

• Check the box to consent to receiving information from Home Credit Bank and the processing of personal data.
• Click "Show Result".
• to the specified phone and enter in the free field.
• Click the "Show result" button again.

Home Credit: loan offers on special terms*

The financial institution provides the following lending benefits:

• Refund up to 10% of expenses for purchases in online stores. Profit is possible from 02/01/2015 to 02/01/2016.
• 3 free ATM cash withdrawals. Validity - from 02/01/2015 to 02/01/2016.
• For purchases in special categories (tourism, equipment, etc.) - a bonus of up to 4% is charged on the card. The duration is indefinite.
• Reducing the interest rate. Held from 02/01/2015 to 02/01/2016
• Cancellation of commission for loan maintenance. Participation can be accepted from 02/01/2015 to 02/01/2016.
• Up to 50% discount on cash withdrawals. Duration - from 02/01/2015 to 02/01/2016.
• "SMS action". Notifications are sent free of charge in the period from 04/02/2015 to 07/31/2015.

Shares in Home Credit Bank*

The credit institution announces promotions in the following categories:

1. Payroll projects:

Increase in the credit limit from 400 thousand rubles. up to 500 thousand rubles The duration of the promotion is indefinite.

• Opening a deposit "Quick income" in the Internet bank with a rate of 13%. The duration of the promotion is indefinite.
• Opening a deposit "Key interest" with a rate of 12.5% ​​on the deposit for 3 months. The time of the event is from June 11, 2015.

3. Debit cards:

• Accrual of income on the balance of funds in rubles - 10% on the Good News card. The duration of the promotion is indefinite.
• Accrual of bonus points for purchases with the Polza online card in the following companies: Booking, Yves Rocher, Holodilnik.ru, MediaMarkt, Technosila, Tutu, Otto, M.Video, etc. Bonuses are accrued at any time the card is used.

4. World MasterCard Black Edition premium standard cards:

• CashBack - a refund to the card up to 5% of the purchase in the categories: "Sports", "Theaters and Cinema", "Beauty salons and gifts". The promotion lasts from 04/01/2015 to 06/30/2015 inclusive.

5. Promotions:

• "Children and Money": books for financial education of children. The Home Credit website provides an opportunity to download a self-help book on family finance for children online for free. Conditions are valid for the first 2000 participants.
• “Extend your deposit”: for owners of deposits “Only pluses”, “Only pluses (prime)”, “Ten” in rubles. The promotion period is from October 01, 2013 to January 09, 2016.

6. Premium Visa cards.

• When making purchases in the Azbuka Vkusa store, a spice mill is a gift. The time of the event is from June 1 to June 30, 2015.

Does Home Credit offer debt amnesty?

From time to time, Home Credit Bank, as part of the customer loyalty program, announces debt amnesty campaigns. Participation in the project is subject to the following conditions:

1. The client of the bank has an overdue debt.
2. Violation of the deadlines occurred without, for example, in connection with the deprivation of a job or a change in position to a lower paid one, due to illness, etc.
3. Payment from 20% of the debt amount in one payment.
4. Amnesty can be expressed in the following forms:

Typically, banks do not disclose information about the debt amnesty in public sources. The circle of persons participating in the promotion is determined by the credit institution's internal regulations.

Loans are one of the most popular banking products. Indeed, most Russians have taken out a loan at least once in their lives, and millions of our compatriots are still paying off loans.

There is no doubt about the advantage of lending, because for most people a bank loan is really the only way to make a large purchase. The only drawback of this is high interest rates, however, special promotions on bank loans will significantly save your hard-earned money.

Credit discounts in Moscow

Lending is an extensive group of loans, which includes:

• consumer loans;
• cash loans;
• mortgage;
• car loans;
• credit card.

All of them differ in interest rate, purpose, maturity and other features, therefore, in order to choose the option that suits you, you should study all the subtleties. At the same time, bank shares on loans may affect different aspects of the issue:

• low interest rate;
• the opportunity to participate in the prize draw;
• accumulation of bonuses or miles for credit card holders.

Lending promotions on the site Discounts in Russia

Having issued a loan, you can finally buy a car or an apartment, go to the sea or make major repairs in the apartment. Our website Discounts in Russia will help you choose the most favorable credit conditions. The pages of the catalog contain all the shares of banks on loans that are currently in effect in your city. It only takes a few minutes to find the right offer.

Coin - illusion "Cat in the window", 4000 kwacha, Zambia 2001

Financial Interesting News- a fixed theme of the month, a digest of news and notes that are jointly written and commented on by the blog community.

We are interested in useful debit / credit cards, interesting promotions of banks, operators and payment systems, cashbacks and bonus programs. I fix useful news (at my discretion) that you post in the comments and encourage you with a modest amount of 30 rubles to your personal account based on the results of the past month.

Kozma Prutkov said “Look at the root”, and here, in order not to miss something worthwhile, you need to subscribe to comments by leaving a comment or simply clicking on the desired link at the end of the page to subscribe without comment.
And if you find O w And b To y / inaccuracy on the site - select a word / phrase and press Ctrl + Enter to notify me about it.

Current bank offers for accruing bonuses or cashback for making purchases with certain cards.

• Map Beeline: 5% on gas stations, cafe-restaurants, pharmacies until the end of November 2016.
  Bonuses are spent on air tickets, goods in Kari, and can also be withdrawn to your mobile account or beeline Internet account.
• Binbank, Binbank Credit cards and since October MDM Bank. BinBonus program. 1% on all purchases and 5% to one of the categories:
  Trips. Sport, health and beauty. Auto. Recreation and entertainment. Internet shopping.
  Replacing a category - 250 rubles. Minimum amount payable: 50 rubles, maximum: 3000 rubles / month.
• VTB Bank of Moscow. cashback for credit cards from October 1 until the end of the year under the My Bonus program for Standard/Classic and Gold cards in the following bonus categories (classic and gold, respectively):

3%/5% Flowers. Floristics. Souvenirs and gifts (mcc 5942, 5943, 5945, 5947)
5%/10% gas station. Car repair/wash. (mcc 5172, 5541, 5542, 5983 and 5532, 5533, 7542, 7549)

• Eastern Express. Cashback credit card with issuance on the day of treatment, 5% for purchases in cosmetics and perfumery stores, for service at service stations and purchases of auto parts / accessories, purchases in pharmacies . Max. cashback 500 rubles / month, fee 1200 rubles for issuing a card.
• Interprogressbank in November distributes 5% cashback for payment by card in retail outlets on its Visa Platinum credit cards (tariff plan "Income Card" and "Cash Back Credit Card"): 5945 ( toy stores ), 5641 (Baby clothes, including clothes for the little ones).
• Credit Europe Bank– Card Plus (issued in selected cities and offices), free first year, % on the balance, 5% cashback for purchases in the category "Restaurants, cafes, fast food" and "Fuel, gasoline, car services". Max. 5000 rub/month Tax 35% from excess of 4000 rubles / year.
• By map "Corn" – 3% bonus points for the whole year when connecting the paid option "Double benefit +" for 990 rubles (in Euroset stores or on the website), only for MC World cards. Max. number of 3% bonuses: 450 (i.e. up to 30 thousand rubles).
  in pdf. An overview of the benefits of this card in our review.

• ICD- cashback (compensation bonuses). Accumulation in October-December: photo services - 10%, taxi - 5%, theater, cinema, circuses - 3%, perfumery / cosmetics - 1%. Compensation for received bonuses - duty free, sporting goods, jewelry and car dealerships.
  A paid package of services is required to participate in the bonus program.

• MTS Bank gives 3% cashback on your debit or credit cards with the paid option Shopping (1500 RUB/year), max. cashback 1500 rubles / month, the mandatory amount of spending is 15 thousand rubles / month.
  The bank is wide. Card rates. Map overview.
• Renaissance Credit accrues 5% bonuses by category in November "Cosmetics and beauty" ; (MCC 5977, 7230, 7298); converts bonuses into categories "Entertainment" (MCC 7922, 7832, 7996).

Bonuses are currently valid for 6 months!

• Bank " Neiva" in November 2016 accrues 3% cashback for gold cards and 1.5% for other cards for purchases in clothing stores (5137, 5611, 5621, 5641, 5651, 5655, 5681, 5691, 5699) and gas station (5172, 5541, 5542, 5983).
• Rocketbank traditionally offers different categories of bonuses individually for different cities and they usually relate to specific outlets.

Don't forget to rate the new “bar mode” for Moscow in the app: drinks once a month at select points for 1 ruble.

• Citibank- for purchases in categories "Goods for sports" accrued 5% cashback when paying with a CASH BACK World MasterCard credit card until the end of November. Promo on the bank's website.
• Sovcombank– salary card, 5% for groceries, purchases in pharmacies , max. cashback 500 rubles / month. Our review of the salary card of Sovcombank (dated Aug. 2015).
• Tatfondbank for credit cards in November:
  10% for non-cash transactions made in the category "Equipment" merchants (mcc 4812, 5045, 5722, 5732, 5946, 5997);
  5% for non-cash transactions made in merchants of the "gas station and car services" category;
  3% on non-cash transactions made in the merchant category "Clothes and footwear".
  Max cashback - 5 thousand rubles. The purchase amount must be at least 1 thousand rubles. » . To participate, you need to connect to the promotion through an ATM or CC.
• touch bank– 1% on all purchases and 3% for “favorite” categories”, bonuses are awarded that can be converted to compensate for your purchases. Real cashback up to 3%. Service 250 rubles / month or free of charge under certain conditions, sms - 60 rubles / month. Card rates. Our review of the map.
• Tinkoff Bank individually offers clients to receive 5% cashback/bonus on deb. and credit cards for selected categories on an individual basis. Loyalty program rules for Tinkoff Black cards.
• Home loan: depending on card type 1 or 1.5% cashback for all purchases and payments in IB, 3 or 5% for payments at merchants cafe/gas station/travel. Card maintenance is free, but the activation of the “Benefit” bonus program is paid: 990 or 4990 rubles per year, respectively. Our review (November 2015).

The optimal combination of profitability per balance, free access to money at any time without visiting the bank.

✅ Rocketbank("Opening") - 8% for any balance. Moscow, Moscow region, St. Petersburg, Yekaterinburg, Samara, Togliatti, Nizhny Novgorod, Kazan, Novosibirsk. Remote replenishment through the application without a commission from 5 thousand. Free and paid service rates.

✅ Russian Mortgage Bank - 8.5% (since 1 Oct.) with average monthly. balance of more than 10 thousand and payment/replenishment of the card. If there was no payment for services or replenishment - 5% . Wide range of cities. Remote replenishment of the card is possible: up to 150 thousand rubles / month. From 1 Aug. 49 rubles / month, if 10 thousand rubles are not permanently stored. Inf. about the card on the bank's website. Tariff from 01.10.2016.

✅ MTS Bank– 7.5% with a balance of 1 thousand rubles. up to 300 thousand rubles Valid when connected free options Cumulative . Tariffs in pdf from 1 Aug. 2015. Maintenance - 590 rubles / year. Our card review: “MTS Money Deposit“.

✅ Tinkoff Bank - 7% (from September 2) (for stored amounts up to 300 thousand rubles), the rate is only when making purchases from 3000 rubles, otherwise 3%. Card rates. Delivery across Russia. Service - 99 rubles / month. or free of charge if there is a deposit or if there is a balance in the amount of at least 30,000 rubles on the card account for the billing period. Remote replenishment is possible. Our review of the map and conditions.

✅ Renaissance loan – 7% with a daily balance of 5-200 thousand rubles. If the amount is less - 0%, if the amount is more - 1%. You can also open a savings deposit for 1000 rubles with a rate of 7.75%. Free service, interbank 30 rubles, free dist. replenishment of the c2c card. TP89. .

✅ Touch bank(OTP Bank) - 8% on a savings account, not on a card! Cashback program. Courier delivery. 250 rubles / month, if the conditions for storage / purchases are not met (50 thousand rubles to store or 30 thousand to spend - from 11/01/2016). Bank website. Card rates.

✅ Corn with free option “Interest on balance”- 4-8% per annum, depending on the amount of storage. The funds are insured by the DIA. Inf. about the map on the Corn website. Not compatible with credit limit. . Interest is paid by Pervobank or Otkritie.

✅ Beeline card with free option “Interest on balance”: 4.5-8.65% per annum, depending on the amount of storage. The funds are insured by the DIA. Interest is paid by Otkritie Bank.

✅ Home Credit – 7% for any balance for amounts up to 500 thousand; with a remainder<10 тыс. руб ежемес.комиссия 59 руб/мес. Инф. о карте «Хорошие новости» на сайте банка.

✅Ubank(MDM Bank) - 7% for min. balance, free service, delivery by courier, free of charge. SMS info.

✅ Orient Express - 7.5% for amounts up to 500 thousand for a balance of 10 thousand rubles, service 99 rubles / month or free of charge with a non-reduced balance of 30 thousand rubles (or when the card is not used) or when receiving a salary / pension on the card. Inf. about the card on the bank's website. .

✅ Russian Standard – 7-8% profitability depending on the type of card and the term of registration. Example: from 01/01/2016 on cards of the Bank in Gold pocket (TP D10) opened from 08/01/2015 - 7% per annum (was 8%).

✅ Binbank-Credit cards, Binbank: 7% per annum for amounts up to 500 thousand rubles, if there are payment transactions from 500 rubles / month. When the amount is less than 500 r. - 2% per annum. BBKK - free issue / maintenance, Binbank - 500 rubles / year.

✅ Expert Bank- 8%. For amounts from 20 to 300 thousand rubles (note in)

✅ Megaphone card- 8%. Interest credited to the phone / card account on the 15th. The card is prepaid, the money is not insured. .

✅Pay for the purchase in the hypermarket " Magnet» in the amount of 3 thousand rubles until 11/15/2016 on your card master card and get a discount 5% . The discount does not apply to tobacco products and products with a minimum retail price.

✅ From 11/08/2016 until the end of the year, add a card Mastercard to Samsung Pay and get a coupon for a free movie ticket! If the card is already linked, take the coupon in the application. Coupon for 1000 rubles.

News of the month

Cooperation suspended Eleksnet and Tinkoff Bank, it is not yet clear for what period of time and what this will lead to, traditionally there is no faith in banks and payment systems that just refer to technical problems, after all

a) From elecsnet, a period of 3 days was announced for solving the problem, moreover, cash payments through Elecsnet terminals are successful;
b) Tinkoff incorrectly displayed the amount of replenishment in the mobile bank and referred to the solution of the problem until November 17 (!);
c) On November 1, Tinkoff Bank rolled out a new version of UKBO, a single agreement for all clients with tighter control over credited funds, below is a quote.

02.11.2016 Tinkoff bank disappeared from Eleksnet wallet

28.11.2016 it became clear: the continuation of the free withdrawal of eleksnet in TB will not be: a commission was introduced for transfers by account number (0.95% and not instantly, i.e. standard conditions for interbank transfers in Eleksnet), transfers by agreement number disappeared, transfers by card number are subject to even more commission.

An interesting point in the new UKBO (Conditions for completing banking services) Tinkoff Bank from 11/15/2016 ():

3.4. The Bank has the right:
3.4.13.Hold commission from cash, in the amount of 5% of the amount of any replenishment and/or 10% of withdrawal amount if at least one of the following conditions is met:

Over the past 30 days, the amount of replenishment from the accounts of individual entrepreneurs or legal entities to the Client's Agreements exceeds 200,000 rubles. or the equivalent in currency at the rate of the Bank of Russia established on the date of deduction of the commission (in total for all Agreements opened in the name of the Client in the Bank, including the replenishment in question, excluding replenishment for the payment of wages and other payments directly related to labor relations);

Under the Client's Agreements, signs of suspicious and/or transit transactions and/or in such operations no economic sense.

Another 10 Russian banks started working with payment Apple Pay In November.

Exclusive Sberbank, contrary to forecasts, lasted less than a month. iPhone and iPad owners can use Apple Pay with Mastercard cards from the following banks: Alfa Bank, Saint Petersburg Bank, MDM Bank, MTS Bank, Otkritie Bank, Raiffeisenbank, Tinkoff, VTB24, and Yandex Money. Later in November, the bank will start working with the system "Russian standard".

It is possible that support for Visa cards will begin in November-December. Russia became the tenth country where the Apple Pay service was launched.

Yandex money hold a promotion with a 5% cashback for paying for purchases using Apple Pay and cards Yandex money. The prize fund is 100 million rubles and you can participate until the end of January 2017. Promotion conditions.

Of the important conditions:

• The maximum for all purchases is 80 thousand rubles, because more than 4000 rubles of cashback per person will not be received.
• Each purchase amount must be more than 1000 rubles.
• (!i) An item has been added that does not pay cashback for operations with mcc 4812.

Preliminary information: one phone = one participant of the action. And the accrual is real-time.

From November 1, the tariff scale will change " Aeroflot».

The difference in prices between fare levels will be reduced, tickets of different levels will be more affordable for purchase, but the principle of mileage accrual will change and the ability to combine fare groups on a round-trip flight will disappear.

Previously, tickets at Optimum and Premium fares were several times more expensive than Budget (for example, only Optimum starting prices are twice as high as Budget); since November this gap has been shrinking and will in some cases amount to only a few thousand rubles.

As for the purchase, now tickets for all groups will be available at the same time, but the price will change proportionally as they sell. Until November 1, after a certain quota of the "Budget" has been exhausted, only "Optimum" can be purchased.

The terms of service for all groups will not change much. The baggage policy - one of the most pressing issues for passengers - will remain the same: when buying any ticket, you can take 10 kg of hand luggage into the cabin (15 kg for "Business" fares), and one (two for more expensive fares) a 23 kg piece of baggage will be reserved in the luggage compartment. Packages from Duty Free can be brought on board Aeroflot without additional payment, such fees are the lot of low-cost airlines.

What will be significantly affected by the changes is the Aeroflot bonus system. Miles will be credited as follows:

– From 75 to 125% of the total distance for the "Budget" (old system - 75%);
- From 100 to 150% for "Optimum" (old system - 150%);
– From 150 to 200% for Premium (old system - 200%).

The opportunity to select a seat in advance will remain only for Aeroflot Bonus program members. Passengers who do not use the program will be able to select seats only at check-in.

It will also no longer be possible to combine different fares for a round-trip flight.

UniCredit Bank from November 1, 2016 offers a new card - Visa Air. If earlier the bank did mile programs with the S7 airline, now it is switching to issuing cards, the owners of which can buy tickets for bonus points of any air carriers.

1. Whole November 50% discount for your drink Starbucks, most importantly, warn the barista about the payment method.
2. From November 8 to the end of 2016, min. 3 purchases with a price of min. at 500 rubles and at the same time it is impossible to make three purchases for the stock on the same day and at one point.
   The first 1000 participants will receive reward of 1000 rubles. Rules in pdf.

« Sberbank» started the service Samsung Pay: Mastercard users will be able to start using the service from 8 November. The service works on Samsung Galaxy S7, Galaxy S6, Galaxy Note5, Galaxy A5 (2016) / A7 smartphones.
A little about the new laws...

• Third parties will be allowed to make tax payments for organizations, individual entrepreneurs or citizens. The corresponding bill was adopted by the State Duma in the first reading.
• Russians receiving public services via the Internet will be able to count on a discount of 30% of the amount of state duty paid for the performance of a certain legally significant action. Thus, officials and deputies intend to popularize the system of online applications for public services. The relevant amendments to the Tax Code were supported by the State Duma in the first reading.
• From next year size penalties for non-payment of taxes and fees of individual entrepreneurs and organizations will increase twice. Penalties for unscrupulous taxpayers - individuals will not change yet, the deputies decided.
• The government has banned demanding 85 types of documents from citizens when providing public services, rendered by 25 executive authorities. In particular, the list includes information about traffic violations, being on the wanted list, military service and the amount of pension received by a citizen, etc. This is very cool news and reducing the bureaucracy Pruflink to pdf.
• Russian President Vladimir Putin instructed the government to promptly amend the bill on a one-time cash payment to pensioners in order to extend it to military pensioners and equivalent categories.
  Let me remind you that a bill was submitted to the State Duma on a one-time additional payment to pensioners, which should be made at the beginning of 2017 in the amount of 5 thousand rubles.
• Citizens with a mortgage may not be fired from their jobs This bill has been submitted to the Duma.

Tinkoff Bank makes changes to debit cards day-to-day, i.e. warned and immediately introduced innovations on 11/08/2016. But it's not about tariffs, here you can exhale. Something has already worked this way before, i.e. fixed after the fact. The price itself is in pdf.

• Now TB uses the days of the transaction to calculate interest, cashback payments and other important matters, and not the dates of their execution on the account. Those. you don’t have to be afraid that you didn’t have time to make a purchase in the billing period to receive an increased percentage on the balance - everything can be left for the last day.
• And it doesn’t matter if the cash withdrawal date is borderline or not, because. the withdrawal limits of the current month will be used.
• And more importantly:
  “Change in the procedure for debiting the service fee and SMS bank fee”: “If the client has spent all the money from the card and there is nothing more to spend, the card service fee or SMS bank fee will not be charged.”
  This means that there will be no techovers and minuses, but in fact the fee will be written off anyway.

Tinkoff Bank and online retailer Ulmart announced cooperation and launch of co-branded bank cards - credit and debit.

At the same time, the credit card provides 3% bonuses for purchases at Yulmart (2% by debit); 2% for "gas stations", "restaurants" and "pharmacies" (1.5% for debit); 1% for all other purchases.

Making a credit card before the end of the year with a purchase at Walmart promises a free first year of service.
Up to 7% per annum is charged on debit, maintenance is 99 rubles / month or free of charge when funds are stored on a card / deposit.

And finally, all cardholders in November can receive 10% cashback for the purchase of a laptop through Walmart in November.

Virtual mobile operator Atlas", running on the network" Beeline”, in which you can get a connection for free, buy in addition or pay with points (“atlases”) received for participation in promotions, began to deliver their SIM cards according to orders made earlier.

The operator's users will receive a unified basic tariff plan with a zero subscription fee.

As of November 9, Atlas has five service packages. The cheapest - for ten "atlases" - gives 50 megabytes of traffic, 50 SMS and three minutes of conversation. The most expensive - for 430 "atlases" - gives five gigabytes of traffic. When the package is exhausted, you can buy the next one. In November, Atlas will only support 3G Internet.

Yandex money continue to make changes to the stock “We will refund 5% for payments over 1000 rubles with Apple Pay”, point 4, in particular, cashback will not be credited for operations with the following mcc codes, I give the entire list at once:

4812, 4814, 4829, 5968, 6010, 6011, 6012, 6050, 6051, 6211, 6529, 6530, 6532, 6534, 6536, 6537, 6538, 6540, 7995.

The promo “Purchase by phone in plus” has been extended from MDM Bank until 12/18/2016, so you still have the opportunity to get an additional 10% on purchases by phone (contactless payment). More details: www.mdm.ru/hce. Apparently, the prize fund of 2 million was not drawn ..

Let me remind you that for the entire period of the promotion you can get 4000 rubles; you need to have a smartphone with Android 4.4 Kitkat or higher with an NFC module.

In the MDM mobile mobile bank, the contactless payment service must be connected to the Mastercard card.
The third stage for the provision of rewards will end on 11/24, and the fifth on 12/18/2016. Pdf with rates.

Promotion from Alfa bank: until 01/31/2017, the commission for replenishing any Alpha cards from cards of third-party banks in the Alfa-Mobile mobile application has been cancelled. Limits: max. 100 thousand at a time, max. 1.5 million/month or 50 operations/month. Pruflink.

But there is a little nuance-trick in clause 2.3 of the Promotion Rules: to participate, you need to receive an offer from the bank to participate in the promotion (sms/e-mail).

On Ukraine banned WebMoney, Yandex.Money, QIWI Wallet and Wallet one. The National Bank of Ukraine banned payment systems due to alleged disagreement with the Central Bank for the provision of their services.

It is also reported that the National Bank has coordinated the work of the domestic settlement system WebMoney.UA.

Against the background of the complication of the situation with transfers to Ukraine and the ban on various payment systems, Odnoklassniki and VKontakte launched the function of money transfers from Russia to Ukraine using the card number on Mastercard and Maestro, from 100 to 75 thousand rubles per transaction.

I will clarify that transfers are sent from person to person for 1% from Visa cards or at a 0% promotion from Mastercard cards.
Two joint promotions for the joint use of members of the bonus program “ Lukoil"(Club Lukoil) and programs "Aeroflot Bonus":

“Fill and fly” and “Awesome refueling”. Both promotions from 10.11 to 09.01.2017.

Debit card from "VTB Bank of Moscow" called “Super3” or otherwise “Troika”, because a full-fledged Troika transport application is located on the bank card, the accounts of which are not connected.

The card is serviced free of charge at expenses from 15 thousand per month, otherwise 99 rubles per month, replenishment from other cards is free.

The received cashback for expenses is credited to the Troika e-wallet: 3% for regular purchases and 5% for metro ticket purchases. Welcome bonus: 10 trips for purchases in the amount of 10 thousand rubles in the first 30 days from the date of issue of the card.

Raiffeisenbank launched a new Buy&Fly Premium Rewards card that allows you to earn miles for making purchases with the card. Miles can be spent on air tickets, hotel reservations, transfers and soon - on train tickets.

So far, there is little information, but it is clear that the card is free and is issued only as part of the premium = expensive package of “Premium Direct” services. The most profitable way to get miles when spending 200-300 thousand rubles / month.

Leave all bonus and discount cards at home: they will be replaced Qiwi Bonus, assure on the site bonus.qiwi.com.

Under the “kiwi bonus” there is an electronic card (“high-tech device”) with a price of 4999 rubles (!) in conjunction with a mobile application, I will quote from the offer:

“a technical device in the form factor of a card with an integrated power source (battery) designed for use with a smartphone as an aggregator of loyalty and bonus cards.”

They promise to record barcodes in the application (this was already heard and discussed in 2014: - all discounts on the phone) and reading information from magnetic stripes through a special reader. In general, it would be nice to test, but the price repels.

Payments for replenishment of cards and accounts in Tinkoff Bank through Rapida, Svyaznoy salons, Comepay, and earlier, let me remind you, Eleksnet was disabled. Soon, Rapida announced the suspension of payments in TB for technical reasons.

All this in the bank is associated with technical work.

Promotion from Mastercard and Samsung Pay. From 11/08/2016 until the end of the year, add your Mastercard bank card to Samsung Pay and get a coupon for free movie tickets!
If the card is already linked, take the coupon in the application. Coupon for 1000 rubles.

LLC NPO "Rapida" through the site loanrepayment.mastercard.ru offers to pay for loans with any Maestro/Mastercard.

Transfers are made by interbank transfer (according to the BIC and account number, for some banks only the account / card number), the maximum amount of payment together with the commission is 15 thousand rubles.

Now the service is running a promotion: commission 0% instead of 0.8%. mcc is of course 6538.

It is known that it comes to the BRS instantly, but it is possible that the payment goes through as a terminal / from an e-wallet with a fee from the BRS itself, starting from the third payment.

I Index.Money You can now top up with Apple Pay. There is no commission until the end of the year, then there will be 1%. At the first replenishment via Apple Pay in the amount of 100 rubles or more, the user will receive a gift from Yandex.Money - 50 rubles to the wallet.

November 14, the head of the Bank of Russia Elvira Nabiullina said that almost 300 banks lost their licenses over the past three years. On Friday, November 18, meanwhile, three licenses were withdrawn at once ...

“Since 2013, licenses have been revoked from 291 credit institutions, and most of them had facts of inaccurate reporting to one degree or another,” Nabiullina said.

Again Apple Pay and this time the bank Russian standard, offer for credit card holders until the end of January 2017.

- 300 rubles when registering in the Apple Pay service;
– 10% off any purchases.

Changes to the “Income Card” and “Cashback Credit Card” Interprogressbank with receipt cashback 5% from December 1, 2016.

Now customers themselves can determine the category of favorite purchases with cashback, for which 5% will be returned to the account. The choice of category is carried out monthly through the Internet bank.

Kukuruza is holding a promotion “Make a purchase in Euroset from November 15 to December 15 and get a 30% bonus for the next one!”
The bonus can be applied from 16 to 25 Dec. 2016 with payment up to 20% of the cost of goods. You need to keep the receipt + discount is not good for Apple products.

Hack from Glory how to get a free card MIR from Sberbank with the help of social engineering.

1. You come to the office of Sberbank, take a coupon at the terminal for the issuance of a new card.
2. You wait for your turn, you approach the operator and say: I want to get a MIR card for myself, now I’ll show you which one. You take out your phone, open the SMS section, create a new one and write the text: Mystery Shopper. Then you show the phone to the teller and say - I need this, Social MIR, please, to receive social benefits.
3. If the teller starts pretending that they issue them only if they have a pension, then you calmly say that your friends have already ordered such cards for themselves to receive social benefits from the state. Therefore, you look there in CRM, put the necessary checkmarks in the right paragraphs. And the main thing is to say it all in the most mysterious voice.

“I mean, you have to show a little bit of acting skills. According to this scheme, I personally received it and a few other friends)) Good luck!”

From November 21, 2016 Alfa Bank jointly with the Perekrestok supermarket chain, it launches a co-brand project with increased bonus points for paying with cards received.

At the same time, Perekrestok's own bonus program will continue to operate on a par with the co-brand, but the co-brand is more profitable. There will be three types of cards: prepaid non-personalized cards with a turnover limit of 40,000 rubles per month, as well as debit and credit cards.

At the same time, the “prepayment” costs 99 rubles for issuance, and nominal debits from Alpha will cost 490 rubles / year + ab. fee for the service package (min. 89 rubles / month). The maximum benefit is 3 bonus points for every 100 rubles spent at the Crossroads.

Binbank and MDM Bank completed the merger. The united bank and all its offices will continue to operate under the Binbank brand, but under the MDM license.

The assets of the merged Binbank amounted to about 1.1 trillion rubles, capital - 90 billion, funds of individuals - about 530 billion.
Recall: earlier in 2016, four more banks were merged with Binbank: Kedr, Binbank Smolensk, Binbank Surgut and Binbank Tver.

In addition, the technological integration of Binbank Credit Cards was implemented, which is a card subsidiary of Binbank and continues to operate as an independent legal entity.

Tinkoff Bank became the first Russian bank to launch customer service through the Viber messaging service. In "Public chats" you need to find "Tinkoff" and follow the instructions.

Previously, TB has already launched a customer service in Telegram.

Screenshot from the site top20brands.ru, where “Favorite brands of Russians” are named in the heading banking services:

In a nutshell

• VTB 24 voluntarily-compulsorily replaces cards with the VTB-RZD loyalty program for "VTB24 world map". For a voluntary transition until 11/11/2016, 1,000 miles will be credited. From 02/01/2017, everyone will be transferred to the new program forcibly.
• Tele 2 a year in Moscow, for this event a drawing of prizes among subscribers.
• IN Svyaznoy from 03.11 do not replenish the megaphone with a bank card.
• Sberbank started issuing cards WORLD in all departments.
• Owner "Circumnavigation Map" from Agent.ru (an issuer of RNKO, known by Kukuruza, Beeline, etc.) informed us that the partnership between RNKO and Agent.ru has not been extended since November 1, points will not be credited to the Round the World Card, and the card cannot be replenished from November 1. //krugosvetcard.ru
• In social networks Vk.com and ok.ru the minimum amount for transfers was lowered from 500 rubles to 100 rubles.
• Changes in the loyalty card program Rosevrobank from 11/01/2016: cashback limit of 3000 rubles per client.
• For British Airways bank cardholders Russian standard: from 31 Oct. a number of changes have taken place.
• From October 20, 2016, a new edition of the “Rules for the provision and use of bank cards VTB 24“. Now cashback / bonuses are not given for any payments through ATMs and Internet banking. .
• Binbank and MDM Bank merged ATM networks with the bank SKB for cash withdrawals.
• On the website of the Russian Mortgage Bank, you can now replenish online deposits and savings accounts from cards of other banks according to a schedule. From MasterCard cards - no commission.
• Clients Yar Bank users of IS YAR-Bank Online from November 1 can receive special offers with discounts up to 25% in certain outlets.
• Apple Pay: now also for maps Visa from 15 November.
• Revocation of banking licenses in November 2016: "Kama horizon"(Naberezhnye Chelny), design bureau “Express loan”(Moscow), JSCB NZBank(“National Collateral Bank”, Dolgoprudny), CB "Metropol"(Moscow), IKB "Olma-Bank"(Moscow).

Hate-November

Together we choose the bank of the month or the payment system, which in a month caused certain inconveniences to customers, led to ridiculous commissions and generally left impressions up to “I won’t recommend serving here to anyone.”

In October, their portion of the negative received:

Touch bank for an increase in the minimum amount stored for free card service: from 30 to 50 thousand rubles - 27% or 62 votes.

Aimanibank– for loss of license – 21% voted. Telegram chats- Hobbists scattered there :) - 12% votes.

Tinkoff Bank– for 0.5% bonuses for replenishing the interbank deposit instead of the previously 1% – 9% votes. Ubank without explanation, but we understand;) - 6% votes or 15 people.

In the article:

Life situations sometimes do not allow borrowers to fulfill their obligations to the bank. Loss of a job, disability, deterioration in health and other difficulties can significantly undermine the client's credibility in front of the bank if he does not make mandatory payments. The Bank treats these events with understanding. Therefore, among its programs there is a debt amnesty Home Credit.

Loan debt amnesty - what is it?

You should not harbor illusions, dream that after submitting a certificate to the bank, the borrower will finally and unconditionally be released from all obligations under the loan agreement. There is always an intermediate option - and in each case, the bank considers the situation of the borrower individually.

The Loan Debt Amnesty campaign started in 2014. It operates in such a way that the bank offers the borrower a one-time repayment of 20% of the total debt. After that, the bank does not demand to return the debt to him.

Whether the action will be valid in 2018, time will tell. As a rule, the bank, according to specified criteria (the details of this list are unknown), selects a number of debtors and makes this unique offer to them. Therefore, if you have an overdue loan, do not ignore the calls of the bank, maybe he wants you to take part in the Debt Amnesty 2018 campaign.

In fairness, it should be noted that not all banks practice full write-off of borrowers' debts, and for most of them such an action is not acceptable. Many of them offer clients who find themselves in a difficult financial situation, debt installments, revision of the current terms of the loan agreement or credit holidays.

Terms of credit amnesty

It would seem that this is the solution to the problem. But not everything is as cloudless as the debtor would like. Negative consequences still arise for the borrower, who was affected by the Home Credit Debt Amnesty action. Reviews of this procedure are easy to find on the Internet.

It is worth remembering that debt does not disappear anywhere. Yes, the borrower is no longer required to repay it. But formally, the debt continues to be registered with the client. In simpler terms, it is written off to the bank's archive.

The principle of the amnesty action is as follows:

• The borrower is invited to repay at least 20% of the debt that has arisen;
• Such an offer may come from both the bank and the borrower;
• It can only be used if the arrears are more than twelve months old.

The borrower will not be given any documents confirming the absence of debt, the closure of the loan or the absence of financial claims from the bank. And this means that in all programs that will be available to employees of financial institutions (not only Home Credit Bank), this borrower will have a debt in the amount of 80% of the remaining debt.

A client who decides to become a participant in the Home Credit debt amnesty campaign will not be able to apply for a loan. Moreover, we are talking about absolutely any form of it, from a credit card to a mortgage loan. No financial institution will take the risk or responsibility of disbursing a sum of money to a person who has made such a delay.

Conclusion

Banking processes in Russia are such that a complete update of information in the credit bureau occurs no more than once every ten years. And this means that from the moment the amnesty agreement is signed, at least one decade must pass before the client is given the opportunity to get a loan from a bank. Nevertheless, the debt amnesty action at Home Credit Bank finds its participants, which is also confirmed by reviews on the Internet. This will happen in 2018 if the bank makes such an offer to its borrowers. Among them are those borrowers who cannot use the bankruptcy law and even more so cannot continue to pay the loan, even under the terms of restructuring (many banks offer this scheme today).

Statistics show that every year banks write off significant amounts from their debtors. However, debts on loans from the population are still at a high level.

Do you want to save on a Home Credit loan, get a mortgage at a reduced interest rate, or make a profitable deposit? The benefits of banking services of a financial institution can be assessed by using the special offers of Home Credit. You will learn about the bank's promotions and the timing of their implementation from this publication.

Products of Home Credit Bank with shares*

Home Credit special offers apply to:

1. The client of the bank has an overdue debt.
2. Violation of the deadlines occurred without, for example, in connection with the deprivation of a job or a change of position to a lower paid one, due to illness, etc.
3. Payment from 20% of the debt amount in one payment.
4. Amnesty can be expressed in the following forms:

Typically, banks do not disclose information about the debt amnesty in public sources. The circle of persons participating in the promotion is determined by the credit institution's internal regulations.

If you're diving into the credit card pool that's financing a specific purchase, you want a card that offers the longest 0% interest period on new purchases, giving you the longest time to pay back on those expensive one-offs. And this period can be two or more years. is the best deal on new purchases currently on sale in the market.

Provides a 30-month interest rate on new purchases. But, especially if you're in debt but still need to use your card regularly, there's also a 30-month interest-free deal on both new purchases and balancing, offering nectar incentives here. Just keep an eye on the same 95% interest rates after this period and transfer fees.

Lending allows you to solve current financial problems, while in recent years the position of banks in relation to borrowers has become much more loyal, which allows you to take consumer loans quickly and without unnecessary problems. When deciding how to get a loan and how to get money in the most convenient way, many potential borrowers are increasingly choosing the opportunity to work online, without visiting the offices of banking organizations. "Home Credit Bank" is a reliable and time-tested company, where you can get a loan quickly and with a minimum package of documents. Consider how to get a loan from Home Credit Bank, what documents are needed for this and what is affected by a personal offer for regular customers.

As long as the balance is paid off by the end of the period, these cards stack up against the best of the free free finance or purchase loans you'll find on High Street - from furniture or electrical stores, for example. So the slogans here have "paid off" and if you think it's unlikely you'll clear debt even over two and a half years, you're probably better off looking for the best long term low rate deal, currently at 9% interest with low commission of 5% before increasing to 9%.

Big spenders who religiously pay off their balance either every month or at least until the end of the interest free period can be prepared by choosing a credit card that offers the best cash deal or the best credit card rewards.

How to get loans from Home Credit Bank for those who are already a client of this organization? The first thing to do for cash at Home Credit is to check if you have a personal offer from the company. You can see its presence or make sure that it is not available using the My Credit service or using Internet banking.

Which sounds generous until you get a 9% variable interest rate on everything you buy. Along with the above, with reward points, cash and balance trades, it's probably your best bet if you'll be a repeat customer along with its 25-month percentage free balancing window with 9% down payment and 0% on purchases as well as for 25 months, then 9%.

If not, interest and fees outweigh these rewards very quickly. But what if you were already in debt and, despite your best efforts to reduce your borrowing, ended up with 0% of your deal before you paid it off? Then the whole point is to transfer the balance to the minimum payment, usually with the longest window of opportunity to pay it.

If there is such an offer from Homecredit Bank, you can get it without visiting the office.

To do this, in your personal account, you must agree to the service, after which a bank employee will call the specified phone number to clarify the details. To get a cash loan, you will need passport data, but registration will take place remotely, using your personal account. You can get a loan using an instant transfer to a Home Credit bank debit card, bank debit or current account of another financial institution.

Grocery carries 98% transfer as well as nectar items. What about debts created elsewhere? You can also transfer money debts to credit cards through the same types of money transfer credit card transactions, the best of which currently have a 99% fee, or it has a 99% transaction fee. If you need more time to pay off your debt, the best credit card with a low money transfer rate is now over 60 months for a 5% transfer fee.

Increasingly, however, vendors are offering double deals with both balancing transfers and new purchases. Your use of such websites is subject to the terms of use as provided on such websites and will take precedence over the terms of use in the event of a conflict between them. At your request, you are redirected to a third-party site. Please read and agree to the disclaimer before proceeding.

For new clients

A loan from Home Credit Bank can also be obtained by those people who were not previously its clients. At the same time, the loan can also be approved via the Internet at the first stage, however, it will be possible to get a cash loan only after visiting the office with the necessary package of papers. In addition, Home Credit Bank can also issue a loan in the old fashioned way: at the moment the client directly contacts the company's office with the necessary package of papers.

Conditions for lending money

Read and agree with the displaner before proceeding. Gone are the days when you checked your inbox daily for the latest and greatest credit card deals. Thanks to modern technology, you can access your offers on your own through the Internet. This is a great way to target credit card offers on your own terms, rather than waiting for them to show up in the mail.

We'll take you through some of the most popular credit card companies so you can see which deals you're specifically eligible for. Remember though, like any other pre-qualification or pre-approval that comes in the mail, none of these offers guarantees approval.

To submit an initial application for a consumer loan, you must fill out a small electronic form, in which the person taking the loan must indicate personal data, passport data, information about the work and parameters of the proposed loan. After sending the application, a preliminary decision will be made on it, after which a representative of the financial institution will contact the potential client.

You will still have to go through the application process the same way you would with a traditional credit card offer. Keep reading to learn more about these sentences and what exactly the terminology means, so you know how to interpret the best ones.

Start by going to the company's website, then scroll down to where it says "Find the card that's right for you." You can choose from personal cards, small business cards, corporate cards, or prepaid cards. Assuming you want to use a credit card for your own use, you must select personal cards; however, it is worth noting that you may receive offers for other types as well.

Conditions for lending money

A cash loan at Hom Credit Bank can be issued on the basis of several loan programs, which will differ in the offered interest rates, the documents required for obtaining and maximum limits.

If we talk about the maximum and minimum possible parameters, then existing customers can borrow from 10,000 to 850,000 rubles, while the most favorable rate will be 14.9%. Having taken the money, it is necessary to return them within a period of one to 7 years. As for new customers, amounts from 30,000 to 500,000 rubles are available to them, while the rate will be slightly higher, starting from 17.9%, which is quite profitable. Since the maximum amount is lower than for regular customers, the return period is somewhat different, ranging from one to five years.

What is important, for all categories of borrowers, the service of early repayment of the loan, both full and partial, is available. This allows you to count on the initial connection of the most comfortable monthly payment, which will make it possible to always pay the debt without delay. At the same time, if there are free funds, the borrower will be able to repay part of the principal debt or fully pay off the bank without any penalties and restrictions.

Required documents

This question can also be answered differently for new and regular customers. The latter, in order to receive money under the proposal, will need a passport and SNILS, pensioners must additionally prepare a personal pension certificate.

To receive the minimum amount, new customers will also need a passport and one of the required documents to choose from, among which may be the same SNILS, as well as a passport, driver's or pension certificate. To obtain a loan for larger amounts, new customers and existing borrowers who do not have an offer from the bank will have to additionally provide documents confirming solvency - this set is discussed on an individual basis.

Requirements for the borrower

It is worth saying that, in comparison with other banks, Home is quite loyal to potential borrowers, without imposing too strict requirements on them. So, a citizen of the Russian Federation who has a residence permit in any of the regions where there are representative offices of the bank or at least lives in the locality where he receives a loan can count on receiving financial assistance. Age also matters: only persons aged 22 to 64 can count on receiving a loan.

Another mandatory requirement is the presence of a permanent source of income. In most cases, it will not be necessary to officially confirm it, however, clients with a stable income and, moreover, officially employed, have a much better chance of approval of the application.

The main thing is not to try to deceive the bank regarding your financial situation. Despite the fact that certificates of employment are not required here, it is easy to check the availability of income - just check the data with the PFR database, which will be available to the credit institution due to the consent to the processing of personal data and the provided SNILS number.

Flexible and loyal attitude towards borrowers are the main advantages of Home Credit Bank. The process of obtaining money on credit is also attractive, as it is simplified as much as possible for existing customers: the presence of a personal offer allows you to get a loan without leaving your home.