Hom credit card. Home Credit Bank Credit Card Review
Home Credit Bank is one of the market leaders in the issue of credit cards and the provision of services for their maintenance. The bank is currently working hard to develop functionality your credit system.
The main emphasis is on ensuring that any solvent citizen can receive a card for favorable terms and without providing information.
Features of bank cards
Home Credit Bank provides a choice of two types of cards: Express-card "Quick purchase" and credit card Home Credit with Cash Back.
The size annual interest on the loan will vary depending on what kind of documents the client provided during the registration of the Home Credit card.
Thus, users of the Cash Back credit card who have provided a full package of documents will pay only 29.9% per annum.
To take a credit card, you must submit the following documents:
- Passport of a citizen of the Russian Federation.
These are prerequisites. Additionally, the choice is provided:
- Employment history.
- Certificate of income in the form of 2-NDFL.
- International passport with an unexpired period of validity.
If you bring only one of the optional documents, then the rate will increase to 34%, and if you provide only binding papers, it can grow up to 45%.
You will find out the exact amount of interest on the loan only after consulting with the manager.
How to apply for and receive a credit card?
In order to get a Home Credit credit card, you need to do the following:
- Go to the Home Credit Bank website and fill out the form.
- When filling out, you must indicate reliable information - do not exaggerate your capabilities.
- Check the correctness of the entered data, paying special attention to passport data and residence address according to registration.
- Next, enter your income information.
- Do not forget to write down your contact information: phone number and email.
Within a short time (1-2 days) the bank will consider your application, after which the manager will contact you by phone or by e-mail and inform you about the decision. However, this message is not final.
If the bank employees approve the application, you will have to go to the branch in person. Don't forget to take everything with you Required documents... Next, a personal conversation with the bank operator will be held and the documents will be checked. Only after that you will know when and on what conditions the bank will be ready to issue you a card.
Home Credit credit card has the following conditions for obtaining:
- You must be a citizen of the Russian Federation.
- Your age must not be less than 23 years old.
- You must be registered in the city where there are bank branches.
- You must have an additional phone number (work, home).
- You must be a solvent citizen.
- If you are under 27 years old, you must have a military ID on your hands.
Benefits of Home Credit cards
Users of the bank's credit cards will receive a number of advantages, among which the following should be highlighted:
- You can use your credit card immediately after signing the contract.
- There is no urgent need to accumulate funds for a rainy day.
- You can use your credit card anywhere in the world.
- There is an opportunity to receive regular account statements, which will help you control your expenses.
Disadvantages of Home Credit cards
Unfortunately, one cannot do without negative aspects, among which are:
- You pay a lot for purchases. This is due to the fact that interest is charged on the use of credit funds.
- When withdrawing cash from a Home Credit card, you have to pay a commission.
- If you do not know how to control your expenses or compare them with the level of your income, then you can get into debt hole, which is very difficult to get out of.
Grace period
How to get a loan so as not to pay interest on it? It is worth clarifying right away that the grace period in this bank applies only to non-cash payments.
If you cash out from a credit card, interest immediately begins to accrue.
The grace period ranges from 21 to 51 days. The duration depends on when you make the first transaction using a credit card - at the beginning of the billing period or at the end of it.
In order not to pay interest on a Home Credit credit card, you need to pay the debt before the last day of this period. The start date is the day specified in the contract. It lasts 30 days.
After that, the payment period begins (20 days). It is during this period that all debts that have accumulated in the billing period must be paid.
Provided system of penalties
For those who violate the terms of use of the card and the rules of the agreement, the bank has provided a penalty system:
- The first delay costs 500 rubles.
- The amount of delay for the second month will be 1,000 rubles.
- If you are late for the third month, you will have to pay 1,500 rubles.
- If the obligations to repay the debt are not fulfilled in the future, the bank will impose a fine of 500 rubles for each day of delay. The client will be preliminarily sent an official notification from Home Credit Bank.
After all, it is a fiction that you will pay Home for your credit card only one year's maintenance. They in the bank know very well how weak a person is, anyway it will go away in time, but there you can throw in interest, let him pay. Bondage is very easy to fall into, which is why collectors are now thriving.
Anastasia
I advise everyone to use a Home Credit credit card (Benefit Gold). The limit is good, money back for purchases and everything in one card. And you don't have to think about a loan, the money is already in your pocket! I strictly follow the deadlines, so I do not pay interest, after mobile app checking. But in general, my opinion is financial documents for organized people, then their personal money definitely do not spend!
I had a deposit in the bank at 13 percent per annum. Since everything suited me, other products of the bank also became interesting. There were never any problems with the deposit, everything was conveniently filmed and replenished. Therefore, I decided to become the owner of a credit card. I was prompted to choose "Benefit". Everything is very affordable and even profitable. I can shop and get interest back. I have not had this experience before. 2 percent goes to the remainder, and 4 percent for tickets, fuel and several other categories. I also like the ability to transfer money from one account to another. It costs such a penny that they are not even noticeable.
Great card! Everything worked out with her from the very beginning. Withdrawing money does not require interest at the ATM. It is a pity, of course, that there are not so many ATMs accepting cash. But this is a small problem. Mobile bank in general deserves special praise, since it is a pleasure to use it. Funds are transferred like clockwork. I can always look at all my operations, and SMS about the remainder always arrives on time. Several times I was in the bank itself for consultation on some issues, so everything went well too. The staff are courteous and attentive.
Hi! Great card! I can withdraw money from many ATMs in the city without extra commission! As soon as I connected it, I forgot about many difficulties. The manager prompted me back in the bank many important points that I did not even know about. Very convenient work with the Internet bank. With his help, I always see which ones I went through financial operations... This undoubtedly helps to control your personal account and not spend money unnecessarily! By the way, I still get SMS messages regarding the remainder! It is very convenient.
Vladimir
Last year I took consumer credit that has already successfully paid off. After that, I was offered to become the owner of a credit card as well. I usually go to the bank branch at 8 Pravdy Street. It was here that I was offered a rather advantageous option with a credit card. I received it for free for a period of 5 years. We have decided for me the optimal limit that I can use even during grace period... This is the biggest plus of a credit card. After all, at this time, I do not drip interest. I try to pay for everything by card and keep within this gap.
I recommend the card for purchases without cash. Only then can you experience real savings and convenience. I decided to write my opinion, which may be useful to other users. The main thing is not to withdraw cash once again. Then shopping will be not only profitable, but also convenient. In general, a credit card is very easy to use. Helps to often make those purchases for which there is not enough cash. The main thing is to return the money back on time. I hope my review is helpful.
For purchases of equipment I use a Home Credit-Eldorado credit card. All household appliances cost me less than they cost in other stores. Since the service of this card is free, it lies in the wallet and calmly waits for my next purchase. Here is such a shopping service from Home Credit Bank.
Oleg Marchenko
Good credit card. I am a longtime Home Credit client and I met this financial offer of the bank with a bang. I use a credit card both at home and on trips. There are no interruptions in work, and I track expenses through a mobile application - everything works fine. Well done!
Is it profitable to get a credit card with Home Credit, what conditions does a financial institution offer, how high is interest rate and when does it rise? Bank requirements and tariffs will be discussed in this article.
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Home Credit Bank is one of the 10 leaders in consumer lending in Russia. Has been working since 2002. After a series of changes in management, the company reached a new level of service, overtaking competitors in a number of indicators and offering a new bonus system.
The bank exited the mortgage and car loan market, but improved its position in short-term loans, offering customers convenient programs that meet expectations. In 2019, Home Credit was awarded the prize of the Association of Russian Banks for the introduction of modern banking technologies.
Types of cards
Credit cards are issued by Home Credit of three types:
- Card with the benefit of Platinum;
- Card with the benefit of Gold;
- Fast shopping.
Terms of use
Each card offer has its own tariffs for use:
For all offers maximum amount the loan is 300,000 rubles.
The minimum payment is at least 5% of the amount spent from the credit card funds. You also need to pay the accrued interest on the account of the contribution, insurance compensation, commissions and penalties in case of delay. In total, the minimum amount is 1,000 rubles.
The following additional services are typical for cards of all types:
- SMS package;
- Internet bank;
- card insurance;
- notifications of transactions by e-mail or at the address of residence;
- Mobile bank.
Documents for receiving
To obtain a loan for any program, it is enough to provide a passport of a citizen of the Russian Federation. When sending an application for a loan over 100,000 rubles. it is required to provide any additional document to choose from: a foreign passport, SNILS, driver's license, a document on ownership of a car or real estate, taxpayer identification number.
Work experience (not confirmed) at the last job must be at least 3 months - less than under the terms of other credit institutions.
Approval of the loan limit depends on the financial situation of the borrower, the amount of his income, the presence of valuable expensive property.
The main condition for the approval of the application is the entry of the stationary phone numbers of the relatives or the employer into the questionnaire. Without meeting this requirement, the bank will most likely refuse to issue a loan.
How to apply for a Home Credit bank credit card
You can apply at the office of the organization or get a preliminary solution online.
To perform transactions on the Internet, you must perform the following actions:
- Go to the official Home Credit page on the network.
- Click the "Checkout Now" button under any credit card offer.
- Select the region of receipt of plastic.
- Fill in the form with the following data: name, gender, email, date of birth, passport series and number, place of employment, income, mobile phone number.
- You will receive an SMS notification on your cell phone with an activation code for the application reception service. Enter it into the window that appears on the screen.
- Wait for a response from the bank with approval or refusal to issue a loan.
- If you receive a negative decision, contact the credit institution with an application no earlier than a month later. During this time, it is possible that the base will be updated and tariffs will be changed to more suitable for the borrower.
If you have any questions about choosing a loan offer, calculating the period and amounts of calculation, and other issues, you can order help from an Expert in a special form on the official website of Home Credit.
Clients of the bank who own a debit card or have placed savings in Home Credit can send an application through their personal account in the Internet bank. It is also possible to perform an operation through online service"My credit".
If there is a valid credit offer, for comparison, opening a card with a new loan limit, it is allowed to form another application for the issue of new plastic. The system automatically sends a request to the Bureau credit histories, checks the borrower's rating in its own database. Based on the specified data, a decision is made to issue an additional loan.
The online application and the decision received on it are preliminary. Upon approval of the questionnaire, the bank manager contacts the borrower and agrees on the time of visiting the Home Credit branch. The employee re-enters the data on paper and in the database, and checks the solution. An agreement is signed for the provision of credit services when dispensing plastic.
How to activate
The use of the card is possible after opening an account. To do this, go to the official Home Credit page and click on the "Activation" link. After that, the number is entered bank card, expiration date, name and surname of the owner in Latin. The field with passport data and security code is also filled in.
A message with an activation number, which must be entered in the field below, will be sent to the mobile phone entered in the Home Credit system. The next step is the creation and implementation of a PIN code, which is prohibited from being communicated to unauthorized persons and even employees of a banking institution.
Bonus points are debited in the Internet Bank on the Benefit account. To do this, you need to activate the "Exchange for money" function. You need to select a purchase, click "Exchange points" and enter an amount from 1 RUB = 1 point. The confirmation code will be sent to your mobile phone. In this way, you can also top up your cell phone number.
Basic points for online shopping are usually awarded within 4-5 days after making a purchase, for online purchases - within a maximum of 70 days.
In order to avoid service charges, it is necessary that on the last day of making a contribution towards repayment of the debt, the balance of the debt is no more than 500 rubles.
Grace period
All credit cards have a grace period of 51 days.
Cash withdrawal
The commission for cashing out borrowed funds is 4.9%, but not less than 399 rubles. When withdrawing money in banknotes through ATMs or terminals, at the cash desks of credit institutions at borrowed funds acts tariff rate at 49.9% per annum.
Repayment
The fastest way to close a debt is to transfer money to a credit account at the bank's cash desk. Payment is credited on the same day.
When using the Internet Bank, the "My Credit" application or the official website credit institution Funds are credited within 2 days, but only on business days, excluding weekends and holidays. The amount owed and the end of the grace period and maturity dates can be checked with the support service by phone or online.
Balance check is carried out in the following ways:
- via the My Credit mobile application;
- using a Home Credit ATM;
- in the Internet account on the company's website;
- when activating the SMS informing service;
- at the department upon presentation of a passport;
- by phone hotline.
Redemption available:
- at the box office of Home Credit;
- through an ATM credit institution or third party companies;
- at the post office of Russia;
- with e-wallets Yandex.Money, WebMoney, Qiwi;
- in the salons of communication "Euroset", "Svyaznoy" or MTS;
- through the service remittances cash.
To pay, you need a card number or loan agreement... It is recommended to deposit funds on account of the next payment a few days before the end date, since the system may take several days to credit the money.
If the credit limit on the card is 10,000 rubles, then you can deposit 500 rubles. per month, however, the bank's tariffs indicate that trouble-free debt repayment is guaranteed only if you deposit an amount of at least 1,000 rubles. This is due to the fact that the principal amount of the debt is repaid very slowly, most of the contributions are interest, payments for insurance services, late fees, etc.
Advantages and disadvantages
Among the positive aspects of using the Home Credit card, the following are noted:
- registration of one passport;
- polite staff, detailed information on current rates;
- there is no need to confirm income, take certificates from an official place of work, provide additional documents and etc.;
- a convenient system of bonuses that allows you to save up to 30% on purchases in stores and on the Internet;
- large credit limit;
- quick decision on the application - within 30-40 minutes.
Home Credit Bank credit card is a common and convenient means of payment for purchasing various goods in stores or over the Internet, as well as when ordering services. Plastic can be issued for standing payments, for one-time large purchases, or just in case. Each of the Home Credit bank card options has its own terms:
- grace period from 51 days;
- the limit on receiving funds up to 300 thousand;
- rate from 25 to 27 percent;
- registration online applications on the site;
- cashback from purchases.
The Home Credit card is issued on the bank's website online through a special form or by contacting the branch directly financial institution in Moscow.
Online application for a credit card Home Credit Bank in Moscow
A special service (calculator) has been developed for users on the Vyberu.ru website. To apply for a card at Home Credit Bank, you need to set the parameters and select one of the proposed programs. Then follow the link to the bank's website and fill out the form. As a rule, Home Credit Bank does not require any documents other than a passport to approve a credit card.
When filling out a questionnaire on the website, it is necessary to correctly enter all the information, because incorrectly entered data can further affect the bank's decision to issue a card. If the financial organization does not have any questions for the client, then in this case it is possible to issue a card online with an instant solution. The payment instrument is activated on the day of receipt.
As of February 2018, Home Credit Bank's credit card ranked third in the rating of preferences of Russian borrowers. For March of this year, the list of programs for this product includes 6 classic options and one installment card. Credit cards are different bonus programs and opportunities.
Types of credit cards
Classic credit cards from KKB:
- "Just money" - standard version with free cash withdrawal and the ability to pay in POS systems.
- "Card with Gold Benefit" - a gold credit card from Home Credit Bank with a good limit, an interest-free repayment period and a long validity period. Connects to the "Benefit" loyalty program.
- "Platinum Card with Benefits" - plastic international card with a credit limit and the ability to withdraw cash. Interest-free repayment works only for cases of payment with plastic in POS systems. Connects to the "Benefit" loyalty program.
- Map "Other rules" - standard credit card with restrictions on the accrual of bonus points.
- "Fair" and "Eldorado" - a simple payment tool for quick purchases in popular stores with conditional cashback. It is awarded in points from the purchase amount.
- "Fast money" - a program with reduced functionality. Without cashback and connecting to the loyalty program, it is issued quickly, the credit limit is usually set at a minimum (10-15 thousand rubles).
A special installment credit card from Home Credit and Finance Bank does not imply the possibility of cash withdrawal, but it has an interest-free repayment period that is almost twice as long as that of a regular credit card. The rest of the cards work with a deadline concessional lending up to 51 days, for an installment card it is a minimum of 90 days, a maximum of 365.
Is it profitable to use a credit card
Different card programs of KKB are adapted to the different needs of the borrower. Therefore, yes, this credit card can be beneficial with the right choice of its type:
- "Just money" works as a convenient quick loan with non-cash settlement and cash;
- Gold and Platinum cards good for forming a "financial cushion" when traveling abroad;
- Installment ideal when you need to make a large purchase with a minimum overpayment of interest on a loan.
Credit cards are issued free of charge and are issued under two documents. You can get them on the day you apply, which is convenient if you need money urgently. There are programs that work to accumulate bonus points. This is beneficial if the client is used to shopping in specific stores.
What are the advantages
To the benefits Home cards Credit Bank include:
- clear conditions;
- good grace period;
- the opportunity to get a loan in the amount of up to 300 thousand rubles without certificates and guarantors;
- a well-thought-out loyalty program (return of part of the spent funds in points from the purchase amount, points can be converted into rubles at a rate of 1 to 1);
- interest-free replenishment;
- international status of Visa and MasterCard cards;
- convenient account management functionality;
- Samsung Pay and Apple Pay contactless payment technology;
- adequate interest rate for settlements in Pos-systems and online (from 29.9%).
What are the disadvantages
The disadvantages of the card are:
- expensive cash withdrawal (on account credit limit) - 4.9%, the minimum withdrawal amount is 399 rubles (excluding the “Just money” card);
- lack of deposit programs for a credit card debit account;
- commissions for SMS informing and generation of statements (59 + 29 rubles for all card products, except for installments);
- no delivery service;
- if you want to get a serious loan (over 50 thousand rubles), you need additional documents (SNILS, income statement, passport).
Registration
For registration, the borrower can contact the branch or apply for a credit card online. After checking the data, the company will offer a choice of suitable programs. To obtain plastic, you must provide a package of documents and sign an agreement with the lender.
Conditions
Basic lending terms for KKB:
- credit limit - 10–300 thousand rubles (for the “Just money” card - up to 150 thousand);
- the issue is free;
- re-issue by the deadline is free, at the initiative of the borrower 200 rubles;
- annual service: when connecting to loyalty programs 490–4990 rubles, depending on the status of the card;
Internet bank access is free; - SMS-info - 59 rubles per month (you don't have to connect);
- monthly notifications on the amount of payment - 29 rubles per month (optional);
- cash withdrawal from a Home Credit bank credit card with a commission within the range of 10-300 thousand rubles per day (except for installments);
- replenishment is free by all means;
- blocking, unblocking, changing PIN free of charge;
- interest rate for payments in terminals and at cash desks in stores - 29.9%, for cash withdrawals - 49.9%;
- the amount of payment when going beyond the grace period (except for the installment card) - 5% of the debt amount + accrued interest (in
- average 7% of total debt, not less than 1000 rubles).
Requirements
Only Russian citizens who meet the requirements for a borrower can receive a KKB credit card:
- age - 21–64 years;
- there is a registration;
- there is a constant source of income (the bank is reluctant to approve loans to self-employed and individual entrepreneurs);
- work experience in the last place of employment from 3 months (this is checked by a call at the place of work);
- there is a landline phone number (work);
- there is home phone or mobile.
The documents
To establish a minimum limit, it is enough to provide a passport and a military ID, SNILS or driver's license(optional).
If you need a serious amount, you should prepare the following documents for registration:
- international passport;
- compulsory medical insurance policy;
- 2-NDFL certificate;
- statements for the last six months on turnovers on debit accounts with other banks;
- documents on ownership of a house, dacha, apartment.
Design nuances
You can get a KKB credit card with the minimum amount of the available limit within 15 minutes. The main focus of the lender is on checking the borrower's sources of income and credit history.
If in the recent past there were delays on other types of loans, it is worth first correcting the payment discipline. For example, you can apply for a simple credit card from Home Credit Bank with a minimum limit and actively use it for payments for 2-3 months.
Commissions and additional costs
The card is issued using a passport with a code and is issued free of charge. But additional commissions may be provided for it:
- for notification of account movements via SMS (the option can be disabled immediately, if the card is fully redeemed, the commission is not
- debited before the first transaction);
- low activity on the card (the bank may reduce the approved limit);
- issue if the card is lost - 200 rubles;
- formation of a monthly invoice for payment (29 rubles).
The borrower bears the cost of replenishing the card at ATMs of other banks. KKB itself does not charge commissions for this, but third-party organizations can set their own tariffs for using their service. It is worth knowing about this in advance.
The card is connected to the insurance options. This also costs money, to clarify the tariffs, contact any bank branch or call the contact center.
Design options and receipt
You can apply for a KKB credit card in one of two ways:
- submit an application via the Internet, get a preliminary decision online and contact a bank branch or points of issue (partner stores) to register and hand over plastic to the client;
- come to a bank branch with a passport and a second document, fill out an application and wait for approval (up to half an hour), after which the employee will issue a card.
Clarify all the details, including the addresses of the nearest branches and possible conditions using the loan, you can call. Applications for cards are accepted over the phone, but to issue them on hand, you need to visit the bank.
Usage
By activating the credit card, the user can use it for its intended purpose - make payments online, pay in stores, withdraw cash. Using credit money the user will have up to 51 days to return them. Otherwise, a monthly payment will be required to the account.
The grace period starts from the moment of the first purchase. The algorithm is as follows:
- the user pays with the card, launching the grace, which is valid until the end of the month of the transaction;
- from the next month, the bank generates an extract indicating the future minimum payment;
- if within 20 days from the date of generation of the statement, the client does not pay the entire amount of debt, interest is charged on it (the amount to be paid in this period, according to the statement data).
That is, the declared maximum grace of 51 days is valid for purchases from the first day of the month: 31 days of free use plus 20 days of the payment period. If not included in specified period the monthly installment card is blocked. To unblock it, you need to repay it (the next payment, not the entire amount) and wait 2-3 days. A penalty is charged on delay.
How to activate a credit card
Home Bank credit cards are activated after receiving the plastic. If it was issued at a branch, the procedure will be carried out by a bank employee. Upon receipt at points of issue for activation, you must:
- go to the personal account of the Internet bank and set the PIN-code;
- submit an application on the KKB website (step-by-step tips tell in detail how to activate via the Internet);
- call in contact center(8–495–785–82–22), go through the identification, following the menu prompts, and set the PIN.
You can change or set your PIN in the Internet bank, on the website or by calling the hotline at any time. Before activation, no commissions are credited to the card.
How to withdraw money from a credit card
For all Home Credit Bank credit cards, the option to withdraw cash from any ATM is available. International cards work in all countries of the world. Programs "Eldorado", "Fair", "Other rules" - on the territory of Russia.
Withdrawals from all accounts are performed with a commission of 4.9%. Minimum amount cash-out - 400 rubles. There are no commissions for cashing out on the Just Money card account.
How to top up
To replenish your account, you can use all available services:
- terminals (cash, from a card);
- Internet bank;
- services of interbank transfers;
- cash desks in partner stores, at KKB branches or in other financial organizations.
Top-ups can be made through the mobile application and the Internet bank, the Russian Post service, and e-wallets. Transfer between cards of different banks is also carried out by telephone.
How to find out the limit
You can clarify the approved credit limit from Home Credit and Finance Bank:
- in the mobile application;
- On the page personal account in Internet banking;
- by phone with an employee of the department where the application was submitted;
- in person at a bank branch;
- by calling the hotline.
The client can apply for an increase in the limit. To do this, you must provide proof of profitability and personally fill out a new questionnaire at the branch.
The key condition for considering an application is the absence of overdue debt. After six months of active use credit funds the lender himself can revise the amount upward.
How to find out your credit card debt
You can find out the exact amount of debt for full early repayment:
- from a bank employee during a personal visit;
- by calling the hotline 8–495–785–82–22.
You can view the balance of the loan body (without calculating the current accrued interest amount) in the application, on the Internet bank service page, at an ATM or in the KKB terminal.
Early repayment
The bank does not charge commissions for early repayment cards. To carry it out, it is enough to replenish the account with any amount; on the day of debiting, the funds will be used for the main debt. There is important nuance: the card cannot be redeemed for several months in advance. The mechanism works like this:
- the client deposits 2100 rubles at minimum payment in 1000 and total amount debt 4200 rubles;
- on the date of debiting, part of the amount (for example, 100 rubles) goes to interest, the rest 2000 - to the body;
- the amount of debt decreases, the amount minimum contribution will decrease, but in next month again you need to deposit money (with a balance of 2200 rubles, this is at least 1000, although 7% of the amount will be less).
For a full calculation before the deadline, we find out and close, in addition to the principal debt, the entire amount of interest and commissions accrued on the date of repayment. If you find out today, and pay tomorrow, an underpayment of interest for 1 day will be generated. If after that the card remains active, it will be automatically charged a commission for service (once a year), insurance, SMS-informing and generating notifications (once a month).
If funds are not received in excess of the limit, commissions are debited against the loan. When planning to pay off the debt in full, this must be taken into account.
Provided system of penalties
Overdue debt is formed the next day after the date of mandatory payment, provided that it has not been paid. According to the current tariffs of the bank, in addition to the main interest, a penalty is charged for delays:
- 0.055% of the loan body size every day;
- 0.1% daily, if the borrower has already received a request to repay the debt in full (termination initiated by the bank).
To order convenient map, it is worth registering it at the department. The employee will be able to suggest which option is more profitable for specific purposes. Here you can immediately make copies of documents.
KKB cards can be personal or instant issue (not personalized). In the second case, the registration process will take no more than half an hour. You should carefully deduct the terms of the proposed program, check with the employee how to use the credit card, immediately disable unnecessary options.
How to properly close an active Home Credit bank credit card
If the card is not activated, it is not necessary to go through the closing procedure. It is enough to destroy the plastic. But at the same time, the client will be able to use the loan only after its reissue.
You can close an active card if two conditions are met:
- the amount of the credit limit is available in full;
- interest and commissions paid off.
To terminate, you need to contact the bank branch and write an application for closing the account, indicating the reasons for such a decision and details for transferring the balance own funds(over the limit). After registering the application, the bank employee will physically destroy the plastic and form a memo for cancellation.
The closing process will take up to 50 days, but if the application is accepted and the card is destroyed, no commission will be charged during this period. To be sure, you can take a certificate of debt from the bank. It takes 2 weeks to prepare and is handed over to the client in person or sent by mail.