How to choose credit card

The financial market presents a large variety of credit cards, which is easy to get confused. How to choose a credit card, so that it generates income to the holder, improved its welfare, and was not a heavy burden?
Planning to apply for a credit card, you need to determine what you are going to use it the most.
It is worth remembering that the credit card is intended primarily for settlement, so to remove it unprofitable. Many banks set higher interest rates on the cashed funds and deprive the cardholder of the possibility to use grace period in respect of the encashment. Also do not forget about the commissions that often accompany withdrawals of cash. If you plan to regularly withdraw money from the card, you should choose a credit card with a grace period that applies to cash advances and no fee for cash withdrawals.
If you do not plan to use a credit card constantly, and you want it in case of unforeseen costs, it is necessary to issue a card without payment for annual service. This will allow you to save money.

Special attention to co-branded cards that the Bank issues, with the participation of any partner (filling stations, trade network, a cellular operator, the airline). These credit cards give the chance to receive bonuses, points, miles, minutes, etc. in carrying out cashless payments.
If you love to shop and use to pay for their purchases with credit card, the cash back card* will be the best solution, because a certain percentage of the value of your purchases back to your card account.
Map selection is determined by your financial possibilities and needs.
Main characteristics of credit cards are the credit limit, the amount of bonuses and other benefits that accrue to the card holder. Depending on this, the cards are divided into classic and preferred (gold and platinum). Preferred cards are distinguished by a large credit limits in comparison with classical maps and the special terms of customer service. According card the interest rate may be lower, but annual maintenance will be expensive. Platinum cards allow their holders to get discounts at expensive restaurants, jewelry shops, hotels, etc., as well as additional services such as round-the-clock support by phone, taxi, insurance for travel abroad etc.
You want to get a loan on favorable terms? Then you need to have:
official place of work;
a good salary with the Bank you need to provide a certificate confirming the official income;
a positive credit history.
Banks strongly encourage their regular customers, so they provided lower interest rates on credit cards, a longer grace period, large credit limits, low annual fee for the service, or lack thereof.
To get a credit card on beneficial terms it is possible, and if used in accordance with the purposes for which it was formed, can enhance their well-being or to maintain your status. AO Citibank offers a wide selection of credit cards, choose the most convenient for you card and complete an online application form to receive the link

How to choose credit card

The financial market presents a large variety of credit cards, which is easy to get confused. How to choose a credit card, so that it generates income to the holder, improved its welfare, and was not a heavy burden?
Planning to apply for a credit card, you need to determine what you are going to use it the most.
It is worth remembering that the credit card is intended primarily for settlement, so to remove it unprofitable. Many banks set higher interest rates on the cashed funds and deprive the cardholder of the possibility to use grace period in respect of the encashment. Also do not forget about the commissions that often accompany withdrawals of cash. If you plan to regularly withdraw money from the card, you should choose a credit card with a grace period that applies to cash advances and no fee for cash withdrawals.
If you do not plan to use a credit card constantly, and you want it in case of unforeseen costs, it is necessary to issue a card without payment for annual service. This will allow you to save money.

Special attention to co-branded cards that the Bank issues, with the participation of any partner (filling stations, trade network, a cellular operator, the airline). These credit cards give the chance to receive bonuses, points, miles, minutes, etc. in carrying out cashless payments.
If you love to shop and use to pay for their purchases with credit card, the cash back card* will be the best solution, because a certain percentage of the value of your purchases back to your card account.
Map selection is determined by your financial possibilities and needs.
Main characteristics of credit cards are the credit limit, the amount of bonuses and other benefits that accrue to the card holder. Depending on this, the cards are divided into classic and preferred (gold and platinum). Preferred cards are distinguished by a large credit limits in comparison with classical maps and the special terms of customer service. According card the interest rate may be lower, but annual maintenance will be expensive. Platinum cards allow their holders to get discounts at expensive restaurants, jewelry shops, hotels, etc., as well as additional services such as round-the-clock support by phone, taxi, insurance for travel abroad etc.
You want to get a loan on favorable terms? Then you need to have:
official place of work;
a good salary with the Bank you need to provide a certificate confirming the official income;
a positive credit history.
Banks strongly encourage their regular customers, so they provided lower interest rates on credit cards, a longer grace period, large credit limits, low annual fee for the service, or lack thereof.
To get a credit card on beneficial terms it is possible, and if used in accordance with the purposes for which it was formed, can enhance their well-being or to maintain your status. AO Citibank offers a wide selection of credit cards, choose the most convenient for you card and complete an online application form to receive the link

The best credit card?

Credit card with proper selection and in accordance with the terms of the loan agreement can be quite convenient and even profitable. Therefore, processing credit card, please note the following key features:
First, the availability of the grace period (grace period). Many banks now offer a grace period of 50 days. During this period you will not receive interest for use of loan funds. This can be very convenient because you can use the borrowed money to pay, not pay the Bank. Moreover, some banks offer interest-free period only for cashless purchases on the card, other banks, and cash withdrawals. Some banking institutions are willing to offer a grace period of 100 days (Alfa-Bank) or even up to 200 days (vanguard Bank).
The second important aspect is the annual maintenance cost. Naturally, the lower it is, the better for you. But here the miracle is not worth waiting, as most banks operating still average market value, which for cards category Classic is about 700 rubles per year. This Commission will have to pay anyway, no matter you use a credit card, or is it gathering dust on your bookshelf. However, there are banks that offer to pay for the card only if it has a debt. That is, you pay for the card only when using credit funds. Such a proposal, for example, operates in home Credit Bank.
Third, you should pay attention, deciding to make or not the credit card is the interest rate for using credit funds. The interest rate banks appointed on the basis of their tariff policy, as well as depending on characteristics of the client. For example, if you are a payroll customer of the Bank, as a rule, the rate on the loan you will be assigned is lower than any other client. Also, the rate can depend on your solvency, the form of proof of income and many other characteristics. Some banks establish for all a single rate. One of the most profitable at the moment, proposals in the plan are interest rate credit card Bank VTB 24 (18%), credit card MDM Bank (19%) and Avangard Bank (15%). Average market rate is about 25-27% per annum in rubles.
And finally, some cards are bonus and discount programs that allow you to save while you shop and accumulate points and bonuses that in the future (depending on the Bank and card) can be exchanged for prizes, tickets, services of mobile operators, etc.

The best credit card?

Credit card with proper selection and in accordance with the terms of the loan agreement can be quite convenient and even profitable. Therefore, processing credit card, please note the following key features:
First, the availability of the grace period (grace period). Many banks now offer a grace period of 50 days. During this period you will not receive interest for use of loan funds. This can be very convenient because you can use the borrowed money to pay, not pay the Bank. Moreover, some banks offer interest-free period only for cashless purchases on the card, other banks, and cash withdrawals. Some banking institutions are willing to offer a grace period of 100 days (Alfa-Bank) or even up to 200 days (vanguard Bank).
The second important aspect is the annual maintenance cost. Naturally, the lower it is, the better for you. But here the miracle is not worth waiting, as most banks operating still average market value, which for cards category Classic is about 700 rubles per year. This Commission will have to pay anyway, no matter you use a credit card, or is it gathering dust on your bookshelf. However, there are banks that offer to pay for the card only if it has a debt. That is, you pay for the card only when using credit funds. Such a proposal, for example, operates in home Credit Bank.
Third, you should pay attention, deciding to make or not the credit card is the interest rate for using credit funds. The interest rate banks appointed on the basis of their tariff policy, as well as depending on characteristics of the client. For example, if you are a payroll customer of the Bank, as a rule, the rate on the loan you will be assigned is lower than any other client. Also, the rate can depend on your solvency, the form of proof of income and many other characteristics. Some banks establish for all a single rate. One of the most profitable at the moment, proposals in the plan are interest rate credit card Bank VTB 24 (18%), credit card MDM Bank (19%) and Avangard Bank (15%). Average market rate is about 25-27% per annum in rubles.
And finally, some cards are bonus and discount programs that allow you to save while you shop and accumulate points and bonuses that in the future (depending on the Bank and card) can be exchanged for prizes, tickets, services of mobile operators, etc.

How to choose a credit card?

Commissions and other payments. The cost of services for various operations on the map. For example, banks often charge higher fees for withdrawing money at ATMs or for deposits.

3. Credit limit. Determine what the maximum amount you want to borrow from the Bank. All cards have a limit on issuance of credit. Limit is determined based on your creditworthiness. The higher the income, the higher the threshold of the loan. If too large a limit, there is a danger of losing control over spending and getting into debt. To avoid this, carefully keep track of your expenses and promptly return the debt.

4. Grace period. This period of time (sometimes banks call it a «grace period») during which you are free to use the loan funds, making only the minimum payment. On average it is equal to 50-60 days. After the end of the grace period, the Bank produces interest.

5. The availability of additional options. For you it is important to monitor the expenditure of funds therefore it is necessary to connect service of SMS informing about the movement of money on the account or Internet banking. Also useful will be the availability of bonus programs – from paying the goods and services you will receive various benefits, such as accumulating points for purchases.

All this information is already taken into account by the Compare service.ru. To select the suitable card you need to enter only a few parameters, and the calculator of credit cards will offer a list the best proposals of banks.

Tip Compare.ru: If you frequently fly on airplanes, apply for a credit card, combined with the bonus program of the airline you prefer the most. So, the loan will allow you to save up for a premium ticket.

How to choose a credit card?

Commissions and other payments. The cost of services for various operations on the map. For example, banks often charge higher fees for withdrawing money at ATMs or for deposits.

3. Credit limit. Determine what the maximum amount you want to borrow from the Bank. All cards have a limit on issuance of credit. Limit is determined based on your creditworthiness. The higher the income, the higher the threshold of the loan. If too large a limit, there is a danger of losing control over spending and getting into debt. To avoid this, carefully keep track of your expenses and promptly return the debt.

4. Grace period. This period of time (sometimes banks call it a «grace period») during which you are free to use the loan funds, making only the minimum payment. On average it is equal to 50-60 days. After the end of the grace period, the Bank produces interest.

5. The availability of additional options. For you it is important to monitor the expenditure of funds therefore it is necessary to connect service of SMS informing about the movement of money on the account or Internet banking. Also useful will be the availability of bonus programs – from paying the goods and services you will receive various benefits, such as accumulating points for purchases.

All this information is already taken into account by the Compare service.ru. To select the suitable card you need to enter only a few parameters, and the calculator of credit cards will offer a list the best proposals of banks.

Tip Compare.ru: If you frequently fly on airplanes, apply for a credit card, combined with the bonus program of the airline you prefer the most. So, the loan will allow you to save up for a premium ticket.

WHAT CREDIT CARD TO CHOOSE: EXPERT ADVICE

«Credit card» is one of the most «mysterious» banking products. There are so many subtleties and nuances, to understand all and at once is not easy. Than overdraft card is different from credit? Where the real benefit, and where a marketing ploy? On what basis are loyalty programs? And most importantly – how to choose the right and best product?

FEEL THE DIFFERENCE
To begin to define what is it and what are the criteria to choose plastic. Between the credit and debit card with allowed overdraft, there is a difference.

In the case of a debit card with allowed overdraft usually we are talking about salary. On this plastic, you can store your own funds. The grace period is usually not provided. Many banks do not charge a Commission for cash withdrawals, although in the case of plastic with the borrowing of funds on the account, this operation always paid.

To use their own funds deposited to a credit card, not. Even if you make more money than is required to repay the debt, the surplus will be credited to a separate account, from which money will be spent only for the repayment of debt. Use them for purchases and cash withdrawals impossible.

The rest of the map can be divided according to the class of service (standard, premium) and the availability of additional possibilities (discounts, bonuses).

DECIDE THE ORDER
Why do you need a credit card? How much borrowed money you want to? What amount are ready to spend monthly on the service contract? Are you planning to use it abroad? Depending on the answers to these questions, select the type of plastic. And the card type determines the costs.

Periodically take small amounts «to pay»? You need a credit card with the longest grace period.

Like discounts? A product of the Bank, which provides an interesting loyalty program.

Would you prefer to be served by the upper class? Make preference deals.

Create a reserve for a «rainy day»? Take a standard credit card without any additional services and fees are minimal.

Go abroad very often? Then the payment system should be international (Visa, MasterCard, American Express).

Need cash? Then the credit card is not suitable. It is intended for making cash payments. For cashing levied sensitive to the purse of the Commission.

THE CHOICE OF THE BANK
It’s better to choose a card of the Bank whose services are used. For example, in the Bank where you opened a Deposit or where you are a payroll customer.

Note the degree of convenience of use of Bank services, the number of ATMs, a variety of funding methods, the availability of Internet banking etc.

Many banks issue plastic without the application client. For example, if you took a consumer loan and pay it regularly, then for «good conduct», the Bank may on its own initiative to issue you a credit card. It is usually sent by post. To activate simply call the Bank and call the code word.

Don’t trigger your «gift». First, thoroughly examine the terms and conditions and tariffs. If you are satisfied, use on health. In the absence of arrears the Bank will periodically increase the limit.

Actually, this step goes in parallel with the next. So do not focus only on the ten largest banks, limiting their proposals. If you fully agree to the terms of use of the card, but it produces not the most popular Bank that is not a reason to abandon any credit cards.

STUDY OF THE CONDITIONS OF SERVICE AND TARIFFS
If in the case of conventional loan costs can be limited to the interest rate, the use of plastic always involves paying additional fees.

For example, the preferred card «VTB 24» «Privilege» has a tempting interest rate of 18%. But the Commission for annual service can be more than 10 thousand rubles.

Do not be lazy to examine the tariffs. The interest rate is the case if not the tenth, it is certainly not the first. The Bank may charge a fee for annual service, withdrawal of cash from their own and other ATMs, the formation of statements, balance inquiry, insurance, utilities payments, payments on the card, and many other operations.

If it is difficult to navigate, return to step one and again indicate the purpose of credit cards. Then compare the rates of desired operations.

Find out the conditions of use of grace period and minimum monthly payment, the of payment methods.

Even if you are confident in their ability, pay attention to the penalty clause. In different banks the degree of «severity» of the penalties of delay varies.

Do not pass up studying all card products of the Bank. Is that the ideal is exactly the type of plastic that you initially thought to be unsuitable.

REQUIREMENTS FOR THE BORROWER
Credit card is also a loan. So the client must be trustworthy and solvent. The more reputation in the direction of these two indicators, the cheaper the product. «Standard set» of parameters of the ideal borrower:

Russian citizenship and registration in the region of the Bank;
age from 25 to 40 years;
official employment, sufficient work experience in a stable company, a good «white» salary, in-demand specialty;
the presence of inquiries on incomes.
CURRENCY
If you plan to frequently use a credit card in another country, then make a map in a foreign currency. Or get two: in rubles and in US dollars (Euro). Otherwise you will lose the commissions for currency conversion and exchange rate difference.

EXPRESS OFFERS
In shopping malls there are racks which are operated by the representatives of the banks. They can apply for a credit card just for 10-15 minutes without inquiries on incomes. Service is appropriate in two cases:

you have a bad history in credit Bureau;
the money is needed so urgently that the price doesn’t matter.
No other reason. First, the security level of the plastic below. Second, interest rates are much too high.

CONNECTION BONUSES AND LOYALTY PROGRAMS
Don’t hurry to skip this step. It is clear that bonuses are a marketing ploy and substantial savings bring rare. But every penny counts. Therefore, we still will tell, what interesting possibilities you can use.

CASH BACK (CASH BACK)
If the connected Cash Back option when paying by card, the Bank returns to the account a certain percentage of the purchase amount. It is necessary to distinguish between Cash Back and reward programs that 1 bonus is not always equal to 1 mu ruble. Cash Back is not bonuses and points, namely money. And it certainly can affect your choice.

Examples:

«Map with the use of Gold» (returns 1 to 3% of the purchase amount) and «Platinum …» (2 to 3%) from the Bank «home Credit».
CASH BACK (MasterCard) from Citibank (returns from 1 to 5% of purchase amount depending on outlets).
BONUSES AND DISCOUNTS
When paying for purchases with plastic the Bank charges a certain percentage of the purchase amount. Contributions accumulate on a special account. In the future you will be able to use them as discounts. As a rule, can be obtained only in certain outlets.

Discounts can be provided without complex accumulative system of bonuses – just when paying by card in trade outlets – partners of the Bank.

Examples:

Program «Thank you» from Sberbank. When you pay for goods and services at any retail outlet of accrued bonuses in the amount of 0.5% of the purchase amount. They are stored in a special bonus account. Further bonuses can be used as a discount when you purchase in trade outlets – partners of the Bank.
The product «M. Video BONUS» against «Alfa-Bank» allows you to collect bonuses when you buy in stores «M. Video» – 1 bonus ruble 20 «cash» rubles. With the accumulation of 500 bonus rubles and more you can use them as discounts.
THE SAVINGS ON TRANSPORT COSTS
The principle is the same as in the accumulation of bonuses for discounts, not only piling up the bonuses or the points and miles/kilometers.

Examples:

Product Aeroflot (MasterCard) «Alfa-Bank». For each 30 rubles of the amount of the purchase is charged from 1 to 1.75 miles (depending on the type of plastic). The accumulated miles can be used for payment of partner companies, purchase a premium ticket or upgrade.
«VTB24 — RZD» (Visa) of «VTB 24». 1 point for every 50 rubles at payment of goods and services by card. Points can be redeemed for travel, if you are using the services of the Federal passenger company (a subsidiary of JSC «RZD»).
Also becoming popular credit card that you can pay for transport services underground and surface transport. Examples: «Transport map» from the «Renaissance Credit», «Metacarta» «alpha Bank».

SPECIALIZED
Differ from the standard that is intended to pay for certain types of services.

For example:

«WebMoney MasterCard Standard», Bank «Russian Standard» — automatic binding to the e-purse WebMoney to transfer funds from card to wallet and back. When paying by card gets the bonus of the units of WebMoney.
«Ingosstrakh» (MasterCard Standard) Soyuz Bank to pay for the services of Ingosstrakh.
PREFERRED
Holders of preferred credit cards offer additional exclusive terms, and provided high quality service in Russia and abroad. These cards emphasize the high social status of the holder.

For example:

The «privilege» of «VTB 24», a limit of up to 3 million rubles, a choice of three currencies, special deals and discounts when making purchases from partners of the Bank, urgent (within days) replacement card when necessary, issuing additional cards.
Platinum Visa credit card of alpha Bank: special discounts and offers (in Russia and abroad), additional fraud protection, dedicated line telephone advice centre, Bank, insurance purchases for 90 days and increase the warranty time of goods paid for with its help, medical and legal support holders plastic.
HOW TO SAVE MONEY?

Not snimayte cash

WHAT CREDIT CARD TO CHOOSE: EXPERT ADVICE

«Credit card» is one of the most «mysterious» banking products. There are so many subtleties and nuances, to understand all and at once is not easy. Than overdraft card is different from credit? Where the real benefit, and where a marketing ploy? On what basis are loyalty programs? And most importantly – how to choose the right and best product?

FEEL THE DIFFERENCE
To begin to define what is it and what are the criteria to choose plastic. Between the credit and debit card with allowed overdraft, there is a difference.

In the case of a debit card with allowed overdraft usually we are talking about salary. On this plastic, you can store your own funds. The grace period is usually not provided. Many banks do not charge a Commission for cash withdrawals, although in the case of plastic with the borrowing of funds on the account, this operation always paid.

To use their own funds deposited to a credit card, not. Even if you make more money than is required to repay the debt, the surplus will be credited to a separate account, from which money will be spent only for the repayment of debt. Use them for purchases and cash withdrawals impossible.

The rest of the map can be divided according to the class of service (standard, premium) and the availability of additional possibilities (discounts, bonuses).

DECIDE THE ORDER
Why do you need a credit card? How much borrowed money you want to? What amount are ready to spend monthly on the service contract? Are you planning to use it abroad? Depending on the answers to these questions, select the type of plastic. And the card type determines the costs.

Periodically take small amounts «to pay»? You need a credit card with the longest grace period.

Like discounts? A product of the Bank, which provides an interesting loyalty program.

Would you prefer to be served by the upper class? Make preference deals.

Create a reserve for a «rainy day»? Take a standard credit card without any additional services and fees are minimal.

Go abroad very often? Then the payment system should be international (Visa, MasterCard, American Express).

Need cash? Then the credit card is not suitable. It is intended for making cash payments. For cashing levied sensitive to the purse of the Commission.

THE CHOICE OF THE BANK
It’s better to choose a card of the Bank whose services are used. For example, in the Bank where you opened a Deposit or where you are a payroll customer.

Note the degree of convenience of use of Bank services, the number of ATMs, a variety of funding methods, the availability of Internet banking etc.

Many banks issue plastic without the application client. For example, if you took a consumer loan and pay it regularly, then for «good conduct», the Bank may on its own initiative to issue you a credit card. It is usually sent by post. To activate simply call the Bank and call the code word.

Don’t trigger your «gift». First, thoroughly examine the terms and conditions and tariffs. If you are satisfied, use on health. In the absence of arrears the Bank will periodically increase the limit.

Actually, this step goes in parallel with the next. So do not focus only on the ten largest banks, limiting their proposals. If you fully agree to the terms of use of the card, but it produces not the most popular Bank that is not a reason to abandon any credit cards.

STUDY OF THE CONDITIONS OF SERVICE AND TARIFFS
If in the case of conventional loan costs can be limited to the interest rate, the use of plastic always involves paying additional fees.

For example, the preferred card «VTB 24» «Privilege» has a tempting interest rate of 18%. But the Commission for annual service can be more than 10 thousand rubles.

Do not be lazy to examine the tariffs. The interest rate is the case if not the tenth, it is certainly not the first. The Bank may charge a fee for annual service, withdrawal of cash from their own and other ATMs, the formation of statements, balance inquiry, insurance, utilities payments, payments on the card, and many other operations.

If it is difficult to navigate, return to step one and again indicate the purpose of credit cards. Then compare the rates of desired operations.

Find out the conditions of use of grace period and minimum monthly payment, the of payment methods.

Even if you are confident in their ability, pay attention to the penalty clause. In different banks the degree of «severity» of the penalties of delay varies.

Do not pass up studying all card products of the Bank. Is that the ideal is exactly the type of plastic that you initially thought to be unsuitable.

REQUIREMENTS FOR THE BORROWER
Credit card is also a loan. So the client must be trustworthy and solvent. The more reputation in the direction of these two indicators, the cheaper the product. «Standard set» of parameters of the ideal borrower:

Russian citizenship and registration in the region of the Bank;
age from 25 to 40 years;
official employment, sufficient work experience in a stable company, a good «white» salary, in-demand specialty;
the presence of inquiries on incomes.
CURRENCY
If you plan to frequently use a credit card in another country, then make a map in a foreign currency. Or get two: in rubles and in US dollars (Euro). Otherwise you will lose the commissions for currency conversion and exchange rate difference.

EXPRESS OFFERS
In shopping malls there are racks which are operated by the representatives of the banks. They can apply for a credit card just for 10-15 minutes without inquiries on incomes. Service is appropriate in two cases:

you have a bad history in credit Bureau;
the money is needed so urgently that the price doesn’t matter.
No other reason. First, the security level of the plastic below. Second, interest rates are much too high.

CONNECTION BONUSES AND LOYALTY PROGRAMS
Don’t hurry to skip this step. It is clear that bonuses are a marketing ploy and substantial savings bring rare. But every penny counts. Therefore, we still will tell, what interesting possibilities you can use.

CASH BACK (CASH BACK)
If the connected Cash Back option when paying by card, the Bank returns to the account a certain percentage of the purchase amount. It is necessary to distinguish between Cash Back and reward programs that 1 bonus is not always equal to 1 mu ruble. Cash Back is not bonuses and points, namely money. And it certainly can affect your choice.

Examples:

«Map with the use of Gold» (returns 1 to 3% of the purchase amount) and «Platinum …» (2 to 3%) from the Bank «home Credit».
CASH BACK (MasterCard) from Citibank (returns from 1 to 5% of purchase amount depending on outlets).
BONUSES AND DISCOUNTS
When paying for purchases with plastic the Bank charges a certain percentage of the purchase amount. Contributions accumulate on a special account. In the future you will be able to use them as discounts. As a rule, can be obtained only in certain outlets.

Discounts can be provided without complex accumulative system of bonuses – just when paying by card in trade outlets – partners of the Bank.

Examples:

Program «Thank you» from Sberbank. When you pay for goods and services at any retail outlet of accrued bonuses in the amount of 0.5% of the purchase amount. They are stored in a special bonus account. Further bonuses can be used as a discount when you purchase in trade outlets – partners of the Bank.
The product «M. Video BONUS» against «Alfa-Bank» allows you to collect bonuses when you buy in stores «M. Video» – 1 bonus ruble 20 «cash» rubles. With the accumulation of 500 bonus rubles and more you can use them as discounts.
THE SAVINGS ON TRANSPORT COSTS
The principle is the same as in the accumulation of bonuses for discounts, not only piling up the bonuses or the points and miles/kilometers.

Examples:

Product Aeroflot (MasterCard) «Alfa-Bank». For each 30 rubles of the amount of the purchase is charged from 1 to 1.75 miles (depending on the type of plastic). The accumulated miles can be used for payment of partner companies, purchase a premium ticket or upgrade.
«VTB24 — RZD» (Visa) of «VTB 24». 1 point for every 50 rubles at payment of goods and services by card. Points can be redeemed for travel, if you are using the services of the Federal passenger company (a subsidiary of JSC «RZD»).
Also becoming popular credit card that you can pay for transport services underground and surface transport. Examples: «Transport map» from the «Renaissance Credit», «Metacarta» «alpha Bank».

SPECIALIZED
Differ from the standard that is intended to pay for certain types of services.

For example:

«WebMoney MasterCard Standard», Bank «Russian Standard» — automatic binding to the e-purse WebMoney to transfer funds from card to wallet and back. When paying by card gets the bonus of the units of WebMoney.
«Ingosstrakh» (MasterCard Standard) Soyuz Bank to pay for the services of Ingosstrakh.
PREFERRED
Holders of preferred credit cards offer additional exclusive terms, and provided high quality service in Russia and abroad. These cards emphasize the high social status of the holder.

For example:

The «privilege» of «VTB 24», a limit of up to 3 million rubles, a choice of three currencies, special deals and discounts when making purchases from partners of the Bank, urgent (within days) replacement card when necessary, issuing additional cards.
Platinum Visa credit card of alpha Bank: special discounts and offers (in Russia and abroad), additional fraud protection, dedicated line telephone advice centre, Bank, insurance purchases for 90 days and increase the warranty time of goods paid for with its help, medical and legal support holders plastic.
HOW TO SAVE MONEY?

Not snimayte cash

Credit card — how to choose

If you like to pay for goods and services card and you will rather buy any thing at once, what will be a long time to save for it, you might want to get a credit card. But before you apply for the release of this card, you need to think carefully about which card you need (profitable) and which Bank you are comfortable and most pleasant to deal with. Consider which credit card to choose, people in different financial and life situations.

Debit vs credit

Outset: in this article we are talking about credit cards. Unlike a debit which is not allowed overdraft (flow over equity), credit cards give its holders the opportunity to use the borrowed money in the amount determined by the Bank (credit limit), the payment of interest for using these funds. But that’s not all: if the with debit cards you can withdraw cash without Commission from ATMs of «your» Bank and banks-partners, for cashing credit card will have to pay a fee.

Now let’s understand what factors influence the choice of a credit card.

Simple and gold

If the fee for privileges for you – the usual case, it makes sense to think about the design of the premium credit cards (Gold or Platinum). It’s not just a sign of status, but also «access code» to a number of services for wealthy clients: enhanced bonus program, a large network of luxury shops, restaurants, hotels, service stations etc. Terms of service the difference between these cards from the normal, first, a lower interest rate on the loan, and secondly, almost all additional services (mobile banking, etc.), for which a simple card holder pays, the owner of premium card free of charge. This is not surprising: the annual service of a gold card is 2-3 times more expensive than ordinary, but platinum is 3-5 times more expensive. So, if you this map only as a sign of status, but you are not sure of the stability of your financial state, it is better to opt for a simple card, than on gold.

Account currency also affects the decision of which plastic card to take. So, if you travel regularly abroad (e.g., to travel) to Europe and pay card, it is better to apply for a MasterCard credit card transactions which occur in relation to the Euro. If you are traveling to other countries, the logical choice would be the Visa is linked to the U.S. dollar. In both cases, of course, may be ruble – just a conversion to the appropriate currency in some countries will be more profitable for you than others.

Debt payment is red

Choosing a credit card, be sure to pay attention to the repayment schedule on the loan. As a rule, it will have to do monthly, but some banks may offer other «rules of the game». Clarify the issue before you apply for a credit card in a particular Bank.

Note that almost all banks provide cardholders the so-called grace period – that is, some time (often 50 days), during which percent for using money on the card account will be waived. Sometimes banks have shares, for example, grace period of 100 days; in this case it is necessary to pay attention to the interest rate. From the same Bank but a different card, it may be higher than with a grace period of 50 days.

As for interest rates, it depends on many parameters. So, the special rate is especially provided, the following holders:
— participant of the salary project (i.e. persons who receive a salary at the expense of debit cards opened in this Bank);
retired;
— borrower with a «good» credit history;
— the person who submitted the most complete package of documents.

The documents should stay apart. If you are tempted by the is Bank, offering Bank cards 1-2 documents, look again at the interest rate. Remember that rapid clearance is an expensive loan. It is an axiom that works like a loan in cash or non-cash credit issued on the card account.

So, if the key parameter is the choice for you – the interest rate it is better to choose a Bank or state-owned (Sberbank, Gazprombank, VTB 24), or «native» salary Bank. In both cases, the rate on the loan will be lower than that of banks actively engaged in lending to the population.

If a couple percentage points is not important to you, but you are put at the forefront of originality and uniqueness, you can apply for a credit card with individual design (e.g. Alfa-Bank) or with your favorite characters (for example, Angry Birds PSB).

Bonus, charity, social status

If you belong to any social category (student, pensioner, etc.) and think about how to choose the right credit card, you will be more profitable to get a credit card offered to customers of the relevant category. For example, Bank East Express offers a card of «Pension», and Sberbank, the youth card in the framework of «Respect from Sberbank».

If you want to save on some services (air travel, mobile communications, etc.), it makes sense to issue co-branded credit card. So, mobile operator MTS has co-branded program with Citibank, Sberbank, Raiffeisenbank, Russian Standard, etc. – it enables the holder to accumulate bonus points and thus save on communication services. The same scheme operates in co-branded programs with airlines (Aeroflot, Sberbank, Citibank and Transaero-VTB24, Gazprombank, etc.): paying this with a credit card, you accumulate award miles.

If you want some of the money to give to charity, you can get a credit card with charity program – for example, «give life» savings. Interest rates on these cards are below and with every transaction a certain percentage going in favor of the organization that the cardholder has decided to help financially.

Which Bank is better?

Finally, another important question: credit card what Bank to choose? Now this market leader Sberbank (by a large margin), Russian Standard, VTB24, Bank and Tinkoff Credit Systems. In addition, the top 10 are Svyaznoy, home Credit, Alfa-Bank, ROSBANK and OTP. Leaders have more suggestions, but this does not mean that you should not consider offers from other banks.

Which one to choose, man must decide, guided by the following parameters:
— the interest rate + the presence/absence of other commissions;
— map type (regular or bonus: Visa, Master Card, American Express, Diners’ Club, etc.);
— the ability to service concessional (pensioner, student, participant of the salary project, etc.);
— other terms (payment schedule, grace period, credit limit, the possibility of preferential registration of the second credit card, etc.);
requested the co-branded program, and so on.

In conclusion, we recommend to pay attention not only on advertising but also on the totality of conditions for a particular map. A good choice!

Credit card — how to choose

If you like to pay for goods and services card and you will rather buy any thing at once, what will be a long time to save for it, you might want to get a credit card. But before you apply for the release of this card, you need to think carefully about which card you need (profitable) and which Bank you are comfortable and most pleasant to deal with. Consider which credit card to choose, people in different financial and life situations.

Debit vs credit

Outset: in this article we are talking about credit cards. Unlike a debit which is not allowed overdraft (flow over equity), credit cards give its holders the opportunity to use the borrowed money in the amount determined by the Bank (credit limit), the payment of interest for using these funds. But that’s not all: if the with debit cards you can withdraw cash without Commission from ATMs of «your» Bank and banks-partners, for cashing credit card will have to pay a fee.

Now let’s understand what factors influence the choice of a credit card.

Simple and gold

If the fee for privileges for you – the usual case, it makes sense to think about the design of the premium credit cards (Gold or Platinum). It’s not just a sign of status, but also «access code» to a number of services for wealthy clients: enhanced bonus program, a large network of luxury shops, restaurants, hotels, service stations etc. Terms of service the difference between these cards from the normal, first, a lower interest rate on the loan, and secondly, almost all additional services (mobile banking, etc.), for which a simple card holder pays, the owner of premium card free of charge. This is not surprising: the annual service of a gold card is 2-3 times more expensive than ordinary, but platinum is 3-5 times more expensive. So, if you this map only as a sign of status, but you are not sure of the stability of your financial state, it is better to opt for a simple card, than on gold.

Account currency also affects the decision of which plastic card to take. So, if you travel regularly abroad (e.g., to travel) to Europe and pay card, it is better to apply for a MasterCard credit card transactions which occur in relation to the Euro. If you are traveling to other countries, the logical choice would be the Visa is linked to the U.S. dollar. In both cases, of course, may be ruble – just a conversion to the appropriate currency in some countries will be more profitable for you than others.

Debt payment is red

Choosing a credit card, be sure to pay attention to the repayment schedule on the loan. As a rule, it will have to do monthly, but some banks may offer other «rules of the game». Clarify the issue before you apply for a credit card in a particular Bank.

Note that almost all banks provide cardholders the so-called grace period – that is, some time (often 50 days), during which percent for using money on the card account will be waived. Sometimes banks have shares, for example, grace period of 100 days; in this case it is necessary to pay attention to the interest rate. From the same Bank but a different card, it may be higher than with a grace period of 50 days.

As for interest rates, it depends on many parameters. So, the special rate is especially provided, the following holders:
— participant of the salary project (i.e. persons who receive a salary at the expense of debit cards opened in this Bank);
retired;
— borrower with a «good» credit history;
— the person who submitted the most complete package of documents.

The documents should stay apart. If you are tempted by the is Bank, offering Bank cards 1-2 documents, look again at the interest rate. Remember that rapid clearance is an expensive loan. It is an axiom that works like a loan in cash or non-cash credit issued on the card account.

So, if the key parameter is the choice for you – the interest rate it is better to choose a Bank or state-owned (Sberbank, Gazprombank, VTB 24), or «native» salary Bank. In both cases, the rate on the loan will be lower than that of banks actively engaged in lending to the population.

If a couple percentage points is not important to you, but you are put at the forefront of originality and uniqueness, you can apply for a credit card with individual design (e.g. Alfa-Bank) or with your favorite characters (for example, Angry Birds PSB).

Bonus, charity, social status

If you belong to any social category (student, pensioner, etc.) and think about how to choose the right credit card, you will be more profitable to get a credit card offered to customers of the relevant category. For example, Bank East Express offers a card of «Pension», and Sberbank, the youth card in the framework of «Respect from Sberbank».

If you want to save on some services (air travel, mobile communications, etc.), it makes sense to issue co-branded credit card. So, mobile operator MTS has co-branded program with Citibank, Sberbank, Raiffeisenbank, Russian Standard, etc. – it enables the holder to accumulate bonus points and thus save on communication services. The same scheme operates in co-branded programs with airlines (Aeroflot, Sberbank, Citibank and Transaero-VTB24, Gazprombank, etc.): paying this with a credit card, you accumulate award miles.

If you want some of the money to give to charity, you can get a credit card with charity program – for example, «give life» savings. Interest rates on these cards are below and with every transaction a certain percentage going in favor of the organization that the cardholder has decided to help financially.

Which Bank is better?

Finally, another important question: credit card what Bank to choose? Now this market leader Sberbank (by a large margin), Russian Standard, VTB24, Bank and Tinkoff Credit Systems. In addition, the top 10 are Svyaznoy, home Credit, Alfa-Bank, ROSBANK and OTP. Leaders have more suggestions, but this does not mean that you should not consider offers from other banks.

Which one to choose, man must decide, guided by the following parameters:
— the interest rate + the presence/absence of other commissions;
— map type (regular or bonus: Visa, Master Card, American Express, Diners’ Club, etc.);
— the ability to service concessional (pensioner, student, participant of the salary project, etc.);
— other terms (payment schedule, grace period, credit limit, the possibility of preferential registration of the second credit card, etc.);
requested the co-branded program, and so on.

In conclusion, we recommend to pay attention not only on advertising but also on the totality of conditions for a particular map. A good choice!