Auchan accumulative card. Auchan card - types, procedure and conditions for obtaining, discount and bonus programs
Credit cards of Auchan hypermarkets are an expansion of opportunities for making purchases in stores in Russia and abroad. Debit and credit cards "Credit Europe Bank" help people across the country to purchase the desired goods without worrying about their own finances, because the system allows you to use it.
Auchan Map Visa Classic- this is a credit card or with the ability to pay for purchased goods after a preliminary purchase. You can pay for goods in Auchan hypermarkets and in other stores of various types.
The main payment condition is the availability of services of the Visa International system.
The system operates on the territory of the Russian Federation, abroad and other trade enterprises around the world.
Objective advantages:
- grace period for 50 days;
- availability of bonus points, offers and discount programs;
- payment without commission at specialized ATMs;
- the ability to use the card as an additional wallet;
- credit limit in the amount of 250,000 rubles;
- withdrawal of cash on credit;
- the possibility of contactless payment, the use of a chip and magnetic stripe;
- payment for purchases in online stores;
- the general term of use is 3 years, then the card will be reissued automatically at the expense of the company.
During the grace period, which lasts total amount 50 days, the client has the right to make an interest-free settlement with the bank after making purchases. To pay off debts, it is best to use Credit Europe Bank ATMs and Eleksnet terminals (Oney menu). Thanks to these services, the option of commission-free settlement is retained and instant transfer funds to the client's personal account.
The discount program offers discounts in the amount of 3-5%, and the loyalty program provides points that are credited for each monetary transaction. It is important to know: one point is equal to one ruble. There is also an exchange of points for gift cards"Auchan".
You can find out the balance of the card from Credit Europe Bank in the Internet banking. The site is perfect for safe and quick navigation in your personal account. It is possible to control finances using mobile app where many monetary transactions associated not only with the purchase of goods of various types, but also many others. The balance can be found both in the application and in the Internet bank by going to the thematic tab with the current account amount. There is also the possibility of payment utilities, mobile communications, internet and television.
In order to start using the services, you need to log into your account on the official website of the bank.
To enter Personal Area for the Auchan card Credit Europe Bank use the link: https://online.crediteurope.ru/FWFIB/loginNewNV.jsp?companyCode=RU&lang=ru.
Or go to the Internet bank through the website of the Auchan store:
It will be quite simple to issue a card due to the available conditions. The credit limit is set by the bank based on the individual qualities of the client.
Required criteria for filing an application:
- active phone number of the future client;
- Russian citizenship, passport;
- age from 21 to 65 years.
In cases where the requested maximum amount is more than 140,000 rubles:
- 2-NDFL;
- proof of employment in the form of a certificate (in the form of a bank);
- proof of income in the form of a certificate (in the form of a bank);
- statement of a salary account;
- certificate state registration SP;
- tax return SP.
To approve the application:
- official employment for 3 months or more;
- registration at the place of residence - the territory of the Russian Federation;
- the presence of 3 telephone numbers registered at the place of residence at the moment;
- number (landline or mobile) associated with the place of registration;
- work phone number (place of work).
The card is issued directly in the Auchan hypermarkets.
Tariffs "Credit Europe Bank" are a program tailored for a certain contingent of people, which is why it is not suitable for everyone. Many services are free, but others are expensive.
There are quite a few additional services. If you wish, you can change the PIN-code for free, issue notifications by means of SMS-mailing, it is provided for the first month free of charge.
Service:
Commission:
Limit
Interest
Additional services
You can find out more information about tariffs at the link:
How to close a card account?
There are two options to close the Credit Europe bank card:
- Client initiative:
To close the account, you need to terminate the agreement with a paper application after 35 days after receiving the card.
- Bank initiative:
The account is closed if the bank notes the absence of payments for 2 years. In such cases, the bank is obliged to send a written notification to the client, and then wait for a response within two months. In its absence, the contract is considered terminated.
The joint card Credit Europe Bank and Auchan Visa Classic causes a lot of conversations and angry responses from users. Let's consider what the product is and the key points of interaction with the bank.
Features of the design of the Auchan card
The first thing that customers are interested in is the developed Credit Europe Bank and Auchan card - credit or debit? Many users have issued plastic without delving into the specifics of the terms of service, and therefore are now actively looking for information in order to understand the capabilities of the card.
Purpose of the map
This plastic is designed to provide a limit for making purchases, and therefore acts as a debit plastic, but with an allowed overdraft. The latter is the amount that can be obtained "on loan" at a convenient moment. But it also has features. In particular, conditional points are credited to a special account for making purchases. Subsequently, it is permissible to exchange them for gift cards. Moreover, each point is equivalent to a ruble. Having accumulated, for example, 500 bonuses, the client can write off them and purchase an Auchan gift card for the same amount.
Point of issue
Plastic is issued from Credit Europe Bank in Auchan. It is necessary in any of the hypermarkets to contact the credit department, fill out an application and sign an agreement. The registration procedure does not imply the presence of a large package of papers or additional confirmations. It is enough to have a passport.
Terms of registration
If you want to get a card with a significant limit (over 20 thousand rubles), you will need information about employment and level wages... But these documents are not obligatory. Requirements for the recipient are minimal:
- Russian citizenship;
- Registration of a permanent nature on the territory of the country;
- Having a permanent stable income;
- Employment at the current place of work - from 4 months.
Benefits of the Credit Europe Bank card
The Auchan Credit Europe Bank card belongs to the Visa Classic series, and therefore provides all the advantages of an international payment system... In particular, this is the ability to perform transactions on the Internet, use abroad and control the account remotely.
Card capabilities
The product features:
- Credit limit: up to 250 thousand rubles;
- Term for preferential debt repayment: 50 days;
- Minimum payments: 3% of the principal and accrued interest;
- Service: 470 rubles (in Moscow - 290 rubles);
- Accumulation of points in the amount of 0.8-1% of the money spent in Auchan, incl. through Internet resources;
- Usage credit programs for goods of the Auchan non-food group on preferential terms (reduced rates);
- Discounts on purchases in Auchan and in partner stores up to 3-5%;
- Possibility to withdraw cash in the amount of ΒΌ of the allowed limit;
- The ability to suspend the card when traveling abroad.
Like any international product, the card has the ability to manage transactions via the Internet bank. To view the balance or perform an operation on the Auchan Credit Europe Bank card, you need to access (register) in your Personal Account.
Additional services
In addition, the following procedures can be performed through remote services:
- receiving card data from ATMs, receiving cash, the ability to change the pin code;
- receiving SMS on spending funds (service price 50 rubles from the second month of ownership);
- receiving a statement-statement by e-mail once a month;
For plastic holders, partner Auchan Insurance Company MetLife offers an interesting volunteer life support program.
You are interested in the offer from Auchan to issue a credit card by filling out online applications? In this review, you will be able to learn how to get this product and how to use it correctly for maximum benefits.
So, this card is a joint banking product, which was released as part of a partnership project from Credit Europe Bank and the Auchan retail chain. This card can be used to store and use both your own funds (debit option) and borrowed money(credit option).
It enables its owner to make any types of payments both in Russia and abroad. Online shopping is also supported. It is possible to withdraw cash from minimum commission at ATMs of Credit Europe Bank.
The main advantage of this offer is that for all purchases you get bonus points which can then be used as a discount.
- If you pay with a card at Auchan (real or online store), you will be credited to your bonus account 1% of the amount spent, in other stores - 0.8%.
- Each point is equal to 1 ruble, which can then be exchanged for gift cards with a face value of 250 to 20,000 rubles.
- Account currency - Russian rubles,
- The maximum credit limit that can be obtained is up to 200 thousand rubles,
- The interest rate varies from 28.9% to 33% per annum, depending on the stores in which the product is used. If in Auchan stores, then the percentage is 28.9%, and if in other networks or when money is cheated, then 33%,
- There is a grace period without accrual of% for use credit funds lasting up to 50 days. How it works - we tell you here. Please note that it is counted from the 1st day of each month, regardless of when the purchase was made,
- There is a minimum monthly payment, it is 5% of the current debt + accrued interest.
Who can get this product: citizens of the Russian Federation with permanent registration and work experience of at least 4 months. Age - from 21 to 65 years old, it is obligatory to have 3 different contact phones (two landline and one mobile).
If you need an amount of up to 70 thousand rubles, then proof of income is not required, a passport is enough, but if you want to dispose of larger amount, then for registration you will need to prepare a 2-NDFL certificate in advance.
You can pay off debt without commission in the following ways:
- At ATMs of Credit Europe Bank JSC, funds will be received instantly,
- In terminals via the Oney menu.
Clients are provided with SMS notification services at a cost of 60 rubles. per month (the first month is free of charge, round-the-clock call center 8-800-700-9-814 and Internet banking.
Unfortunately, it is possible to issue an Auchan credit card exclusively in the trading network itself, so if you need a credit card with the ability to apply online, then we advise you to view other options in
Credit cards are one of the most popular banking products today. Banks strive to attract as many customers as possible: they issue multifunctional credit cards that allow not only to pay for purchases profitably, but also to receive cash loans. An example is the Auchan credit card issued by Credit Europe Bank CJSC, it is received online or a card is issued in any of the hypermarkets of the same name.
What is Auchan credit card
Auchan card is a credit product that works on the basis of a payment international system Visa International. It has all the functions of a classic banking plastic- payment for goods and services cashless payments and online in Russia, abroad, you can post your own cash, withdraw cash from ATMs and self-service terminals.
Features of the Auchan loyalty card
The Auchan card "Visa Classic" is issued in any city where Auchan hypermarkets are present. Provides the ability to accrue additional bonuses for purchases in the store and the purchase of goods via the Internet from partners of Credit Europe Bank, which provides the release and financial support of payment systems. Any resident of the Russian Federation can get plastic.
Discount program
There are discounts for regular customers for each purchase in partner stores. To receive discounts, pay for purchases with Auchan plastic:
- capital jewelry factory Adamas "- 5%;
- Nikko dry-cleaner network "- 10%;
- the chain of watch salons "3-15" - 5%;
- a store of a chain of goods for animals "Manul" - 5%;
- Garmin company - 5%.
- Imperial Porcelain Factory - 5%;
- Our gold - jewelry salon - 3%;
bonus program
When purchasing goods from the Auchan hypermarket chain, Auchan-City, Attack and the Auchan online store, bonus points of 1% of the amount are awarded, which can later be exchanged for a gift certificate at the rate when one point is equal to one Russian ruble.
- when paying for purchases in Auchan and Auchan City stores, 1% of the check amount is charged;
- payment in other stores of the Russian Federation, abroad and purchase via the Internet - 0.8%;
Credit conditions for a Visa card from Auchan
An Auchan bank card is considered a credit card with an overdraft, that is, a plastic holder can use not only own funds, which are on his account, for a certain period at interest. The terms of tariffs and services for Moscow and the regions are different. An interest-free grace period of 50 days has been established.
Interest rate
Cardholders can borrow money from the bank at 27% per annum for Moscow and Moscow Region and 31.5% for other regions. If the full amount of the debt is paid, which is indicated in the statement before the date of payment, no interest will be charged. The loan is repaid by paying a minimum monthly installment, which is 3% of the amount owed, minimum payment- 200 rubles. If the cardholder does not pay the loan payment on time, the bank has the right to charge him an alternative rate of 59.9% per annum on the unpaid monthly payment.
Grace period
There is a grace period when you can repay debt without interest. The grace period is 50 days. It starts immediately from the date of the loan to the nearest payment date, inclusive, but no more than 50 days, depending on the date of the transaction. An interest-free period applies to payment for any goods and services.
Credit limit
The bank sets a limit on the provision of funds on credit based on a preliminary assessment of the holder's solvency, which are provided by the client in the application. The amount of the credit limit can be changed depending on the change in the client's income and the amount of his use of the bank's funds. It is envisaged to increase the credit limit by issuing borrowed funds to the client by the bank. The standard credit limit is RUB 250,000.
Term and procedure for payment of the loan
Funds borrowed from the bank are repaid in monthly installments. V obligatory payment, in addition to the recommended amount of mandatory payment (3% of the amount owed), other charges are included: forfeits, interest, commissions under the contract, the amount of overspending, payment of the insurance program. Payment date - every 20th day from the date of formation settlement statement, which is set on the 10th and 20th day or the last day of the calendar month.
The Auchan card provides for a number of fines and penalties in case of violation of the established payment procedure:
- in case of non-repayment of loans or non-payment before the date of payment, 20% per annum is charged, which are charged on the amount of overdue debt and accrued interest;
- penalty for late repayment - a commission is charged, which is the full amount of overdue commissions (maximum RUB 700), multiplied by the number of unpaid payment periods;
- forfeit for non-repayment of cash overruns up to and including the date of payment is 0.08% daily of the amount of outstanding overspending.
Card maintenance cost
The credit card is issued for three years, the annual commission is 350 rubles, the money is debited on the day of the first expense transaction... The production of additional plastic is provided, service for the first year is free, for the second year - 175 rubles. The SMS service is paid (with the exception of the free first month), then 50 rubles for the main one, 50 rubles. for additional. Finding out the balance at an ATM of another bank costs 30 rubles. Personal internet account provided to the cardholder free of charge.
Commissions and payments
For Auchan cardholders are provided following commissions and payments:
Commissions and payments | Amount, rub. |
The size of the annual mainstream service (from the second month) | 350 for Moscow and 470 for regions |
The amount of additional annual service | |
Withdrawing credit from an ATM | No more than 25% of the loan approved by the bank |
Daily limit for cash withdrawals from ATMs and cash points | |
Commission for withdrawing cash from ATMs and cash points | 4.5% (minimum RUB 399) |
Crediting cash to an account at ATMs and branches of Credit Europe Bank JSC by card | is free |
Crediting cash to an account at ATMs and branches of Credit Europe Bank JSC through the cashier | |
Reissue fee in case of loss, damage | |
Providing an e-mail statement when contacting the department | is free |
Providing a mini-statement at an ATM |
Documents for registration
To obtain a credit card with Auchan Visa overdraft, you must present a passport of a citizen of the Russian Federation, when applying for a credit limit above 140,000 rubles. the following documents must be presented:
- certificate of income in the form of 2-NDFL;
- certificate of employment and income in the form established by the bank;
- statement of the salary account, which was opened in the name of the client, where all transactions on the account for the last four months are indicated;
- if the client is an individual entrepreneur, it is necessary to provide a certificate of state registration of an individual entrepreneur and a tax return.
Borrower requirements
The Auchan Visa Classic card is issued if the client meets the following requirements:
- citizens of the Russian Federation, age from 18 years;
- work experience less than 4 months;
- registration at the place of residence on the territory of the Russian Federation for at least three months;
- the obligatory presence of three different phone numbers in the region of actual residence - a landline phone or a mobile phone for contact, at the place of residence, at the place of work.
Auchan discount card - how to get
You can apply for an Auchan card at any branch of Credit Europe Bank CJSC, at special counters in the same name retail chains... In addition, you can apply online for a card with Auchan overdraft. The card is issued on condition of completing a specialized questionnaire, which contains all the required information about the client.
Online application
On the bank's website, the client fills out a questionnaire that contains information about his name, place of work, income, place of residence, contact numbers. It should be remembered that the online application procedure is preliminary; in order to provide documents, the client will need to go to the branch of Credit Europe Bank CJSC or contact a bank card specialist in the Auchan supermarket.
In a hypermarket with a loan officer
In each Auchan hypermarket there is a loan officer's desk who can advise you on the terms of providing plastic and help you fill out an application. The Auchan card is valid in the following cities where shops operate: Moscow, St. Petersburg, Nizhny Novgorod, Rostov-on-Don, Novosibirsk, Yekaterinburg Kazan, Chelyabinsk, Ufa, Omsk, Voronezh, Ryazan, Ulyanovsk. The decision can be made on the same day, the activation is done independently.
In the office of Europe Bank
The client can come to any branch of CJSC "Credit Europe Bank" to apply for "Auchan Visa Classic". The bank employee will provide you with an application form and check the originals of the required documents, which confirm the information specified in the application form. If the bank makes a positive decision on the issue, the bank's representative submits a cooperation agreement for signature, which contains all the conditions for working with the card. It may take several days for the card to be issued. In case of a negative result financial institution reserves the right not to disclose the reason for the refusal.
Advantages and disadvantages
The Auchan bank credit card is a convenient tool for non-cash payments on the territory of the Russian Federation and abroad. The advantages of the card are:
- high credit limit;
- affordable cost of annual maintenance;
- long (50 days) grace period;
- wide bonus program;
- the presence of a chip, the possibility of contactless payment for purchases;
- bonus points for purchases in the Auchan hypermarket and other stores;
- the possibility of using abroad.
There are also significant disadvantages:
- very high percent overdue (59.9%);
- daily cash withdrawal limit;
- high interest rate(27% for Moscow and Moscow region, 31.5% for the regions);
- confirmation of income is required with a 2-NDFL certificate;
- paid SMS informing.
How to close the Auchan map
If desired, the client can terminate the agreement with the bank and terminate the card. To do this, you need to contact financial institution or at the bank counter in the store:
- apply to the bank with a written application to close the account;
- get a statement on the latest transactions and the availability of funds on the balance;
- card balances are issued at a bank branch or by transfer to another client's account no later than seven days after termination of the agreement.
Video
- How to get a Metro Cash & Carry card for an individual - getting a card and a list of documents Metro card registration
- An example of registration of an act of reconciliation of mutual settlements
- How to withdraw money from YouTube (YouTube) and Google Adsense (Google Adsense) to a Sberbank card: A Complete Guide
- Active income: types and creation of sources