The culprits for this review are Home Credit's Quick Shopping credit card and its sister: Quick Shopping Light. Actually, these cards differ insignificantly: the amount of the credit limit provided and the requirements for documents during registration, otherwise all conditions and tariffs are the same.

	Credit limit max.	Rate min.	Grace period	Annual maintenance	Checkout
	10000	29,9	51	0		rubles	%	days	rub.

Lending terms		Card service		Owner requirements
Maximum credit limit	RUB 10,000	Issue fee	Is free	Age	from 23 to 64 years old
Interest rate	29,9%	Annual maintenance	0 RUB	Documents	by passport
Grace period	up to 51 days	SMS informing	RUB 50	Bonuses
Minimum payment	5 minutes. RUB 500	Validity	3 years	Loyalty program
	No	friend / foe	349 r / 349 rub.		No
Delivery options: mail / courier	Well no		maybe	Cashback (refund)	No
Benefits	Service, registration, Internet banking - free of charge, instant issue on the day of contact, no need to confirm income, the credit limit can be increased over time
disadvantages

Fast Shopping Light Home Credit Bank

Credit limit max:

Min rate:

Grace period:

Annual maintenance:

Credit card with free annual service, instant, with the ability to make purchases on the day of receipt and use the credit free of charge for 51 days Card review

The credit limit can be increased

Lending terms

Maximum credit limit

Interest rate

Grace period

up to 51 days

Minimum payment

5 minutes. RUB 500

Grace period for cash withdrawals

Card service

Issue fee

Is free

Annual maintenance

SMS - informing

Validity

349 rub / 349 rub

Using your own funds

maybe

Owner requirements

from 23 to 64 years old

Documents

by passport

Loyalty program

Discount program "City Map"

Percentage of the client's balance

Cashback (refund)

Service, registration, Internet banking - free of charge, instant issue on the day of contact, no need to confirm income, the credit limit can be increased over time

High interest rate, high penalties, commission for withdrawing own funds from bank ATMs; availability of paid additional services (SMS-informing, insurance, delivery of an extract by mail), permanent registration in the region where the card is issued is required

More about tariffs and conditions

	Credit limit max.	Rate min.	Grace period	Annual maintenance	Checkout
	500000	29,9	51	0		rubles	%	days	rub.

Lending terms		Card service		Owner requirements
Maximum credit limit	RUB 500,000	Issue fee	Is free	Age	from 23 to 64 years old
Interest rate	29,9%	Annual maintenance	0 RUB	Documents	according to 3 documents
Grace period	up to 51 days	SMS informing	RUB 50	Bonuses
Minimum payment	5 minutes. RUB 500	Validity	3 years	Loyalty program
	No	Cash withdrawal from an ATM using a loan friend / foe	349 r / 349 rub.		No
Delivery options: mail / courier	Well no		maybe	Cashback (refund)	No
Benefits	Service, registration, Internet banking - free of charge, instant issue on the day of application, no need to confirm income, large credit limit
disadvantages

More about tariffs and conditions

Quick shopping Standard Home Credit Bank

Credit limit max:

Min rate:

Grace period:

Annual maintenance:

Instant credit card with free annual service and with the ability to make purchases on the day of receipt, as well as use the credit free of charge for 51 days, a personalized card will be sent by mail Card review

Lending terms

Maximum credit limit

Interest rate

Grace period

up to 51 days

Minimum payment

5 minutes. RUB 500

Grace period for cash withdrawals

Delivery options: mail / courier

Card service

Issue fee

Is free

Annual maintenance

SMS - informing

Validity

Cash withdrawal from an ATM at the expense of your / someone else's credit

349 rub / 349 rub

Using your own funds

maybe

Owner requirements

from 23 to 64 years old

Documents

according to 3 documents

Loyalty program

Discount program "City Map"

Percentage of the client's balance

Cashback (refund)

Service, registration, Internet banking - free of charge, instant issue on the day of application, no need to confirm income, large credit limit

High interest rate, high penalties, commission for withdrawing own funds from bank ATMs; availability of paid additional services (SMS-informing, insurance, delivery of an extract by mail), permanent registration in the region where the card is issued is required

More about tariffs and conditions

Whatever one may say, but something particularly outstanding that will distinguish this instant card from other free credit cards, I did not find, but nevertheless, after updating the line of cards (in early 2014), their consumer characteristics have improved.

The card is issued and serviced free of charge throughout the entire validity period. The program of discounts "City Card" is available for it (it is valid for all bank cards). I almost forgot that the "Quick Shopping" credit card can be delivered by mail (under certain conditions, we will talk about this later), but the mail can also deliver, for example, a universal Privatbank card, besides, the latter has SMS informing - a free service, and here our heroine will have to pay 50 rubles for this. per month.

Why, in my opinion, paid SMS notification for a free credit card is unacceptable, we will consider a little further. can reach 51 days, which is less than other competitors. In general, there is nothing to cling to, but ...

Quick introduction

Let's say you have chosen the most optimal credit card for you, and the bank refused you. You go to another bank, but he also refuses and this can go on for a long time. Even if you have a positive credit history and your solvency is at the level, any bank can refuse you, for some unknown reason. In this case, no explanation will be given to you.

Therefore, the more choice of free credit cards on the market, the better for you and me.

All cards have a right to exist, our task is to make the right choice!

Benefits of Home Credit Bank Quick Shopping cards

Although we did not start the review very positively, I will allow myself to outline the advantages and disadvantages of this family of cards, and then we will analyze all the other nuances of obtaining and using a credit card.

Benefits:

• No release fees and annual maintenance;
• Instant card issuance - 30 minutes and it's yours;
• You don't have to confirm your income.

disadvantages:

• High interest rates for using a loan (since 2014 they have already become acceptable);
• There are many paid additional services that you may simply not notice in time, including paid SMS-informing;
• Commission 349 r for cash withdrawal from your card (but this tariff has increased by 50 rubles).

In the review, we will find a solution for the optimal use of the card with maximum benefit for its owner.

Who can get the "Quick Shopping" card

The lower age limit for a potential cardholder starts at 23 years old, and the upper one is limited to 64 years old. The gap is small, so hurry up to get the map. It can be seen that the bankers do not want to get involved with young people and pensioners.

In addition, the future recipient must have permanent registration in the region where the card is issued and work in the last place for at least 3 months. A person who wants to get hold of a credit card cannot do without two phones - work and home (or cell). In general, they will check the full program.

Only the "Quick Shopping Light" card will be available with your passport. If you want an increased credit limit (up to 500 thousand rubles), then your choice is a standard card. In this case, you will need to provide one document to your passport to choose from LIST # 1 (driver's license, pension certificate, foreign passport, insurance certificate of compulsory pension insurance) and one document from LIST # 2... In fact, this is an indirect check of the client's solvency.

By the way, even in a light version of a credit card, you will have the opportunity to increase the amount of the limit over time.

For those of you who are interested, List 2 includes the following documents:

• a passport with notes about a trip abroad during the year;
• Title or vehicle registration certificate;
• cASCO policy for a coverage amount of at least $ 5,000;
• account statement with this bank for the last 6 months;
• certificate of ownership of real estate.

Please note that the bank does not require confirmation of income (personal income tax certificate) and a copy of the work book (this is one of the last steps of the bank towards the client).

On what conditions will a fast Home credit be issued?

You can count on the value maximum loan 200 thousand rubles, but for this your salary must be at least a second or third of the given amount (according to a bank representative), count yourself.

This is a very rough estimate of the credit limit. yours and many more indirect parameters are also taken into account, by which you can evaluate your solvency. Everything is purely individual, so the limit may pleasantly surprise you. The annual percentage has already been discussed above.

The grace period is slightly lower than that of competitors in the market (51 days). The minimum payment is 5% of the amount owed on the loan.

Do not forget to make the minimum payment EVERY MONTH if you are not going to pay off the entire loan during the grace period. And do this not a day before the end of the payment period (21 days in the month following the month of spending on your card), but 5 or more days before to avoid technical problems from the bank (it is famous for them - according to customer reviews on the Internet)

The minimum payment amount can be found in the statement that the bank will provide you every month.

What is the Quick Shopping card in service?

First of all, this is a map instant issue, which is issued and serviced free of charge for the entire period of validity. it great advantage... Payment system MasterCard - it unembossed (Unembossed, i.e. letters and numbers on the plastic are not convex) and unnamed. It is possible to issue a personalized card: after a while, it will come to the owner by mail, while he uses the unnamed card - but this is unverified information on the Home Credit Bank's Quick Shopping card. You can use your own funds.

If you really want to withdraw cash from your Home Credit Bank "Quick Shopping" card against a loan, think hard, do you need it?

The grace period DOES NOT APPLY for cash withdrawals.

The withdrawn money will receive daily interest, plus 349 rubles of commission for this operation will be withheld from your credit card - this is already a big minus.

Be careful and don't forget that the main task of any credit card is non-cash payment for goods and services.

Various additional services can be connected to the card, such as: SMS-informing, postal notifications on the card (monthly statement), insurance, internet banking, mobile banking, e-mail notifications and others.

Some services are paid (SMS-informing RUB 50 / month or 600 rubles / year, voluntary insurance service - 0.77% per month of the amount owed), and are connected to the card by default at the time of release.

Advice: carefully monitor all additional. services on the card and turn off unnecessary ones as soon as possible - even during registration, otherwise you will be provided with additional costs of money and nerves.

As mentioned earlier, paid SMS informing (and other paid additional services) for a free credit card is unacceptable. Let me explain why.

For example, you draw up a card to use it as an additional or backup. From time to time, you make small purchases on credit and repay them during the free grace period (in this case, the loan is free for you.). The arithmetic, at first glance, is simple here - how much they took from the bank, so much was given to him, and then they forgot about the card for two months. Many are guided by such arithmetic, and any additional paid service is funds you borrowed from a bank.

So they will accumulate on your account, and with them interest (there are also penalties for late payments on your mini-loans), until you receive an angry SMS from the bank or you accidentally look at your bank statement. And there came a decent amount. Some people forget to control their accounts, and in a few years, pennies turn into thousands.

Therefore, it is very important to keep track of all incidental expenses on a credit card in time.

Unfortunately, the policy of banks, and Home Credit and Finance is no exception here, is to keep silent about additional services that are invisible at first glance. And the money for additional services, albeit small, but from a large number of cards, flows in a small stream and then collects in a turbulent money river, filling the bank's treasury. From each on a thread - a shirt to a beggar. If you do not feel sorry for a little bit of your money for the bank, please give it back, and if you are not ready to put up with this state of affairs, then demand to turn off the services that are useless for you.

How can I get a card for quick purchases?

Usually, those wishing to receive a card come to the bank branch at their place of residence and within a few tens of minutes they issue it. If you are already a client of the bank, then you can be sent a letter by mail with a formed offer for the card (there will be a card, credit conditions and other documents) with an already known credit limit. You could easily get a loan from this bank for the purchase of household appliances a few years ago and have already forgotten about it.

You can also order a card online on the Internet, while after a short period of time you will be informed in advance of approval or refusal. After approval, Home Credit Bank employees will call you back and invite you to visit the office closest to you.

A letter with an offer can also come to you if you were not the bank's clients. This is how many banks operate (Tinkoff Bank, Privatbank and others). If you are satisfied with the conditions for the card, then you still have to visit a bank in your region.

Quick Shopping Cards sent out unactivated - for your own safety. You can activate the card by calling 8-800-700-800-6 in automatic mode. At the same time, you will check the work of the Home Credit and Finance telephone bank. In order to start using the card as soon as possible, you need to call the bank within 72 hours after its activation and receive a personal PIN-code. If you have not received a PIN-code, it will be sent to you by registered mail within 15 days after activation.

"City Map" - discount program of Home Credit Bank

The loyalty program is one of the most pleasant features of a bank credit card. Just for the fact that you are the owner of the Home Credit bank card, you will be given a discount in the store - the bank's partner. City Map is a program for plastic holders from Home Credit and Finance. Real discounts on goods and services can reach up to 90 % !!! Do not believe it - see for yourself.

Every day, Home Credit cardholders are offered unique offers in your city at very competitive prices. This can be: visiting a restaurant, cafe, bar, cinema, car wash, massage, solarium, and much more, up to parachute jumping.

The mechanism for obtaining discounts is as follows. You are offered to buy a discount coupon for a service / product, which can save up to 90% of the actual cost of the service / product (within the framework of the seller's promotion). A coupon is a certificate that entitles you to receive the services described in a specific offer. The coupon is valid for a limited period specified in the terms of the promotion (usually several months). Each coupon has its own unique number and can be used only once.

Coupons for a specific promotion can usually be bought only for one day, and sometimes less, since all coupons can be quickly sold out. A new promotion is offered every day !!

Such huge discounts are explained by the large daily audience of potential buyers - holders of Home Credit and Finance cards, on the City Map website, which allows you to negotiate with service providers on favorable terms for everyone. The coupon can be bought immediately by paying for it with a Home Credit plastic card. In this case, a 5% discount is provided for cardholders.

Coupons for the City Map discount program are provided by the Vigoda.ru website, where you can buy them using a card of any bank, and the benefit for City Map members is only 5% of the cost of the coupon itself.

What the reviews tell us

And the reviews about the Quick Shopping card of Home Credit Bank can tell us a lot. Sometimes it comes to ridiculousness when the whole office tried to remove the tick next to the line of VOLUNTARY insurance in the contract (thus, any client will receive this additional service on a voluntary and compulsory basis). It's good that an attentive client was caught - he then turned off the insurance on a phone call.

Home Credit call center is often criticized on the Internet - several operators can give different information. You don't know who to believe. I never cease to be amazed at the level of service (below average) in our banks - when will rudeness end (mainly in bank branches during direct communication with a client). This, of course, is not a typical case, mainly we hear the speech worked out in the trainings and the strained politeness in communication. But just go into a non-standard situation, you can run into rudeness.

You cannot tell about the methods of work of the bank (and all other banks too) with debtors, in general, without tears. Rough hard pressure and head. Today you are a client, and tomorrow (God forbid you get into delays) a malicious debtor. Some kind of tin, it seems that the card holder is on the warpath... Here it must be said to justify the banks that this is the behavior of collection agencies that have bought bad debts... Their task is to knock out money for themselves by any means, and the law and the measures of decency, apparently, are not for them.

Separately, I would like to touch on the technical side of using plastic from Home Credit. It happens that the money reaches the account for 5-6 days, which is absolutely unacceptable. For example, you deposited money during the payment period, but it ended by the time the payment arrived. Then you are charged a late payment penalty and a bad record appears in your credit history.

Recently, many Home Credit and Finance clients have been talking about the impossibility of paying for various services over the Internet. As it turns out, this is a consequence of a technical malfunction in the bank, read about it on the well-known banking website banki.ru.

In general, not everything is in order, but tolerable. Our man will endure everything!

Note!

Summarizing some of the characteristics of the Quick Shopping card, I would like to draw your attention to the key points on it.

1) It is possible to get a card with almost any income, but the maximum credit limit on the card will be limited (Quick Shopping Lite).

2) Try not to withdraw cash - the grace period does not apply to this operation, and the bank will deduct 349 rubles from you. commission, which is doubly profitable.

3) Please note that initially paid additional services are connected to the card - SMS notification (50 rubles / month) and insurance (0.77% per month of the amount owed). I recommend giving them up right away. In addition, if you give the go-ahead for the delivery of a credit statement (29 rubles / month) by Russian post, then you will also be deducted from you - keep in mind.

4) You can not use the card to pay for services (use it as a backup), but use the discount program "City Map" - isn't it lovely?

Results of a quick review on quick purchases

Despite the advantages of the card: instant issuance and no fees for processing and maintenance, it is not at all suitable for obtaining a long-term loan - even if you provided a full set of documents and received a card with a large limit. You receive loans from time to time - from paycheck to paycheck, then this is your option, after all, we have 51 days of interest-free loans at our disposal.

This is a good choice as an additional credit card, but provided that you disable ALL paid additional services and carefully control it... Only in this case this plastic will be a faithful financial assistant that does not require money for maintenance. So order the card and enjoy all its benefits!

In a highly competitive environment, banks offer their clients lucrative loans at low interest rates. But it should be remembered that not every citizen can get a loan, but only those who pass a thorough check in a financial institution. Otherwise, the client will not be able to take out the loan. For what reasons Home Credit refuses to lend to the population?

How Home Credit is used to assess the borrower

There are two methods for evaluating a borrower.

1. Scoring model. The decision is made by a computer (artificial intelligence) based on the processing of statistical data entered into the institution's database. The probability of a refund is analyzed based on the client's data. For example, if 95% of clients with similar parameters have successfully repaid their debt to the bank, the loan will be approved. If in 90% of cases there was a delay, the client will be refused (the figures are approximate, given for clarity).
2. Expert model. The decision to issue a loan is made by the responsible employees of the bank. At the same time, not only the financial capabilities of a citizen are assessed, but also his socio-demographic characteristics.

When considering an application for express lending (goods on credit), the bank first of all evaluates:

• package of documents;
• client's age;
• having a regular income;
• registration at the place of loan registration;
• home phone availability.

Of course, the customer's credit history is also assessed. If there is a current delay, you should not hope for a positive decision. If there were problems with loan repayment in the past, the final decision depends on the specific situation (the duration of the delay, the reason for its occurrence, the behavior of the borrower). Conventionally, one can distinguish the following gradation of delinquencies:

The complete absence of a credit history is not a client's advantage. It is difficult for a bank to assess the risks of non-repayment of funds if in the past a citizen did not take loans from financial institutions. Therefore, before applying for a large loan, it is best to take a small consumer loan and pay it off on time. This way you will demonstrate excellent payment discipline and will be able to count on preferential terms. According to statistics, at Home Credit Bank, current customers are approved in 55% of cases, and new ones - only in 15%.

When considering an application, customer loyalty is taken into account. If the borrower provides additional documents, his chances of a positive decision will increase. In addition, a citizen can count on more favorable conditions (long term, low rate, large sum, etc.).

If a loan is issued against collateral, the collateral is also subject to assessment. It does not have to be registered for the borrower: the owner can be a co-borrower, guarantor, a relative of the client, or a related person. The following requirements are put forward for the subject of pledge:

• high liquidity (an object can be quickly converted into money - sold at an affordable price);
• coverage of the loan amount (usually a loan is issued in the amount of up to 80% of the market value of the collateral).

What determines the credit limit

The credit limit is the maximum amount that the bank is ready to issue to the borrower in the form of a loan. When applying for a classic loan or credit card, the amount of the limit is determined individually for each client. The following is accepted for calculation:

The basic rule when approving a loan is as follows. The credit burden on the borrower's family cannot exceed 40% of the total income. The salary or other source of income of the spouse (s) can be taken into account as an additional source for repayment.

Most often, a credit card is initially approved for a limit of two salaries of the borrower. Verified clients can apply for a larger loan. Then, in the process of successfully using credit funds, a citizen can count on increasing the limit.

When assessing solvency, not only the client's income is taken into account, but also his expenses. Regular expenses are subtracted from the total profit, which include:

• food;
• rental of property;
• purchase of clothes, personal belongings;
• maintenance of family members who are dependent;
• payment for utilities, mobile communications;
• other recurring expenses.

Home Credit does not provide credit: possible reasons

There are many reasons why the bank refuses to issue a loan to a client. However, the information is not always disclosed to the borrower. The Bank reserves the right to refuse lending without explaining the motives of the employees. The most common reasons for failure are:

If you have a lot of consumer loans for a small amount, this may be a reason for refusal when applying for another loan. Home Credit Bank has such an approach.

• if a citizen has three or more loans, he will not be able to get a new loan;
• if there is one loan, the borrower will be able to receive the second one three months after the first is issued;
• if 2 loans are issued for the client, he will be able to receive the third one six months after the previous one.

This takes into account the total credit load on the client (it should not exceed 40% of the citizen's income).

To avoid refusal, the borrower can refinance the debt on all available loans. In practice, it looks like this. The client draws up one large loan (usually a collateral), which is sent to cover the debt on all existing loans. Typically, refinancing rates are lower than consumer loans. In addition, a citizen will have to pay one installment monthly, in one institution. It is much more convenient in terms of time consuming.

If all the client's data meet the requirements of the bank, but there is no collateral (or it does not fit the conditions put forward), the borrower will be denied a loan. This applies only to those programs that are issued with software.

Clients often complain that when applying for a loan, bank employees force them to sign an insurance contract. The top management of the institution assures citizens that insurance does not affect the receipt of a loan, but is an additional voluntary service. However, ordinary specialists position the insurance contract as a prerequisite. Customers should know their rights and refuse insurance if they are not interested in this product. In extreme cases, you can invite the director of the bank or contact the hotline with a complaint.

What should a borrower do so as not to be denied Home Credit

The presence of a plastic card expands access to financial benefits and gives its owner the opportunity to periodically attract borrowed funds and return them at a convenient time for him. The leader in the provision of financial services in the Russian market is the oldest financial institution - Sberbank. Along with it, Tinkoff, Alfa Bank and a number of others compete in the number of services and favorable conditions.

The credit card of various banks differs in the allotted preferential limit, size and other conditions. With its constant use, cardholders need to increase the credit limit in connection with the need to make large purchases or carry out repairs. You can increase it, only each bank has its own regulations.

What should a Sberbank client do if they need a larger loan?

A large assortment of plastic cards allows each consumer to determine their own level of credit. But with the growth of opportunities, the needs also grow, so clients periodically turn to the bank to. Increase the credit card limit.

In order to increase the amount of money, you should go through several stages:

At the time of applying for an increase in credit funds, there should be no existing delinquencies. The bank representative may even demand to close the real debt, so you should be ready to close the amount on the card.
Along with the application for an increase, you must also submit a 2-NDFL certificate confirming income.

If, during the period of using the borrowed funds of Sberbank, loans were received and repaid in other banks, then you can ask for certificates of closing these amounts and submit along with the application.

The submitted documents are considered within 3 working days, and if the information received allows us to draw conclusions about the reliability of the client, then increasing the Sberbank credit card limit will be increased to the required limit. But if the client's references and reputation did not inspire confidence, the credit card will remain within the same framework.

Features of using plastic cards in Tinkoff bank

The management of Tinkoff Bank has a completely different approach to the client base: the proposal to increase the credit limit comes from the bank, and not from the client.

The limit can be increased only if the following conditions are fully met:
the card is closed on time, there are no delays even for the minimum amount;
the funds provided are being used in full and very actively.

Active use is considered to be the execution of up to 50 transactions during a calendar month. The key to a positive answer when considering increasing the loan amount is the absence of debt.

The holder will be notified of the decision in the SMS - notification.

European quality and service from Home Credit

Modern lending conditions from Home Credit Bank attract many customers with their simplicity and ease of service.

The simplest type of consumer lending is a credit card for making purchases without the "Quick Shopping" commission. Ease of obtaining - a maximum of 30 minutes determines their small limit - 10,000 rubles. If the client has the ability and desire to submit additional documents, then the amount can reach up to 500 thousand rubles.

As for other banks, the solvency of the client is very important for Home Credit Bank, therefore, when applying for an increase in the upper limit of the limit, the client's need for this increase is considered first. The intensity of the use of the funds provided and their volume are taken into account.

To increase the limit, you must have the following conditions:
the card must be issued at least 3 months ago and be actively used during the entire time;
the cardholder regularly pays off the arising debt, avoiding delays;
availability of supporting documents for employment and stable income.

In the presence of certain conditions, the holder must personally appear at the nearest branch of the bank to submit an application, since remote submission of such an application is impossible.

Lending and service conditions in Privatbank

Attractive lending terms for Privatbank are significantly expanding the number of its clients. The plastic card system is especially popular. Credit card from Privatbank - the ability to make online payments: transfers to other cards, payment of utility bills and phone replenishment, purchase of goods. With the intensive use of the loaned funds and the need for an increase, there are several options for increasing them:

use the online service "privat 24" and submit an application through this service;
use the provided loan intensively and the amount that the bank can entrust will gradually increase.

Alfa Bank and conditions for increasing the limit

One of the largest banks in the country, Alfa Bank, also develops favorable credit conditions and gives a large limit, but sometimes the loan provided does not allow it to fit into the allotted framework. The client has a need to increase this size in order for the credit card to fully perform the assigned functions.

Clients of Alfa Bank can increase the upper limit of the funds on their card subject to the following conditions:

the term of use exceeds six months;
no debt;
a new certificate in the form of 2-NDFL and another identity document (except for a general civil passport).

The card is obtained by personally contacting a bank branch, with a written application and the provision of additional documents confirming the current solvency. When considering an application, employees pay attention to the maximum amount of payments, that is, the level of debt burden. It is with this indicator in mind that the limit is offered to each client, in order to avoid delays and penalties.

Undoubtedly, a credit card provides great advantages for its holder: freely dispose of a large amount, move not with a large and voluminous wallet, but with a small piece of plastic, whenever and wherever you can withdraw cash or pay in any shops and cafes. But given all the advantages, one should not forget about the negative points. The provided limit allows you to stay within your budget, and an increase threatens the timeliness of payments and the growth of debt obligations.

How many times have they told the world that free cheese is only in a mousetrap. How many have already fought with banks, issued resolutions so as not to mislead people, the cart is still there.

And this is the case with Home Credit Bank OJSC.
In the beginning, not a big background, so that it is clear what and how in the future. A couple of years ago, banks simply deceived people, luring them in with interest, luring them with tricky contracts and the simplicity of taking a loan. And when people realized that they were simply robbed, there was nothing to do. All that remained was to sit and pay in bondage. The fact that due to the leaps in the exchange rate, the depreciation of the national currency, credit rates shot into gigantic interest, no one was surprised. Immediately, the interest on loans became 50% -70%. Everything seems to be legal. But at present, when finance in the form of loans has flowed into the republic, the national currency has strengthened and, according to all forecasts, is not going to rise in price again several times, the interest rates on loans should have become lower. But here is the deception that bankers use to powder the brains of the average man.

In 2007-2008, due to complaints from customers of different banks, a decree was issued, according to which, banks were ordered to indicate the total percentage so that bank customers, especially those who do not know much about interest at all, could clearly understand how much they would have to pay ... And then the banks went to the trick. In those years, loans were offered at 14-17 percent. But when they came to the bank, whole performances began. Indeed, you were promised that they would give money at 14%, for example. This means that from 12,000,000 rubles, you will overpay 1,680,000 rubles. In principle, okay. When buying a product, it is not uncommon to find it cheaper in a small retail outlet or in an online store, and you save exactly as much as you pay for using a loan. In general, the game is worth the candle. But the first tattoo starts when you read the loan agreement. It turns out that the promised 14% is just for today. In fact, you will be paying the refinancing rate and another two percent to it. If the rate goes up, then you also hit the money. This was the case last year. Imagine how people got stuck when they found out that under the contracts concluded earlier, where they paid 12% of the rate and another 2 percent, today they have to pay 45% and another 2% to it. But that's not all. Now you are told that you are paying for some kind of cash register service. In other words, you are offered to pay more for bringing money to the bank. Now also for some kind of loan support. These are all monthly payments. Quite good. But that's not all. You are trying to withdraw money from a card in a bank, but the same bank will charge you more interest.

Seeing this situation, then a document appeared, where banks were obliged to set a real percentage, and not to mislead people. If in total it turns out that you pay 70%, then the contract should indicate 70% and that's it. No more gimmicks. And what has changed today? We go to OJSC "Home Credit Bank".

We are trying to take out a loan in the amount of 10,000,000. And they joyfully announce to you that they will give you at 24%. But there is a trap in the agreement again. There is a little fad, in which the point is that due to the change in the refinancing rate, the bank is entitled to unilaterally notify the client to raise the interest rate. That is, you will receive a letter in which they will indicate to you that you "got". Do you think everything? No matter how it is. Usually, banks charge interest on the balance. These are decent banks that are trying to attract more customers. But not Home Credit Bank. Here is the trick. Again, not giving a damn about all the recommendations of the Ministry of Finance and the National Bank, all the decrees, in the agreement we see "cash services" - 5.24% monthly. Do you think this percentage is taken from the remainder? No matter how it is. It is clearly spelled out: “… from the initial loan amount. In other words, even when you have already paid almost everything, you will pay 5.24% of the same 10,000,000 rubles. And so on until the last day. Do you think everyone? But no. We look further. There are also so-called one-time payments. In general, the loan does not suit you. You refuse, anticipating that these are not all pitfalls.

But after looking at the terms of the consumer loan, I was simply shocked. I'll be honest. To borrow from the most greedy neighbor, at extortionate interest rates (100% per annum), will still be cheaper. I have not seen such a deception anywhere and in any country in the world. I have never seen such a ridiculous loan. But they give it in small amounts. From 500,000 (about $ 40) to 2,000,000 ($ 235). You want to borrow one million ($ 115) for 14 months. The interest rate is 24% per annum. Everything is correct. Plus, the same cash service. At the rate of 5.24%. It seems to be nothing more. But suddenly you discover a very interesting banking invention in the loan repayment schedule. Your entire loan of 1,000,000 rubles is divided into you in equal shares for 14 months. And you will pay interest on the loan from the balance. But in the first monthly payment, you see the amount of the first payment of 1,082,600 rubles. Have mercy, but from where? It's simple. In the first month, the bank will charge you 62,602 rubles for repaying the principal debt and 20,000 rubles for repaying interest. And another 1,000,000 for a commission, immediately for the entire period. Further, throughout the entire term of the loan, you will pay 82,600 for the repayment of the principal debt and interest, which will decrease. Everything is fine according to bank documents. And purely humanly, what happens?

And humanly, you are robbed in broad daylight. They give you 1 million and offer to return it in a month. But not a million, but 1,082,602 rubles. And you will receive only 980,000 rubles in cash at the cash desk. It turns out that in a month you have already returned the entire amount to the bank, and even on top of 102,602 rubles, which, one way or another, is almost 10% of the amount. In fact, you have already returned the money to the bank. But no matter how it is. Now you pay for giving you this money for a month. And this will result in another 1,156,000 rubles for you. The bank is all right. This is not the loan you returned, but the commission. But for the client, what's the difference. In reality, it turned out that he, taking 980,000, returned all the money in a month, throwing another 10% on top. Little of. Now the client will pay further until he pays another 1,156,000 rubles. If you count everything clearly to a penny, it turns out that you even took interest at 198, 24% per annum. Well, how do you like a loan at 24%?

The payment schedule is usually pinned to the very bottom. It is not uncommon for banks to simply not talk about the amount of the first payment. The girl tells you that in the first month you pay off, as well as the subsequent ones, in equal shares, the principal debt, the interest on the balance and the amount will decrease. And they take a commission only once, at the first payment. Prove later that she did not tell you the amount of this commission. Some, after reading that the commission amount is 5.24%, they think that it will be about 52,400 rubles. And that's all. In general, to be honest, I never found how they counted 1,000,000 commissions. What, what costs justify this amount. So, you better stay away from such banks. The only bank that has more or less honest loans is probably "***** bank". They indicate real percentages. There are no cash services, loan escorts, loan insurance (with rare exceptions) and incomprehensible commissions.

Home Credit Bank easily issues loans. But giving them away is difficult. If for the bank there is a difference - the main debt and commissions, then for the client there is none. He pays money anyway. And to take a loan (to have the audacity to offer such a loan), the amount of which you will return in a month and still owe more than the loan amount, is not just meaningless, but simply stupid. But, interestingly, someone takes.

But what about the Decrees and Recommendations? But what about the speeches of big officials who said a lot that it would be enough to deceive the people by exposing low interest per annum on loans, and then strip off three skins, hiding real interest under various commissions and other payments? No way. Looks like the Home Credit Bank didn't care about that. In general, everything returned to normal.

Home Credit Bank keeps up with the times and invites everyone to join the use of the new credit technology. You can make a purchase in any store, the interest-free period will be 3 months. However, if you make a purchase from a bank partner, then this period will increase by up to 12 months. You can use this everywhere, and accordingly, you can buy anything, from furniture and household appliances to grocery stores.

The Installment Card does not allow you to withdraw cash. At the same time, the available credit limit varies from 10,000 to 300,000 rubles. That is, you can make purchases for no more than 300 thousand rubles.

It is important to make the payment on time, otherwise the KKB bank will impose the appropriate sanctions - 590 rubles for the occurrence of a delay + from 17.9% per annum on all committed / outstanding payments. And this penalty will remain in effect until you pay off the entire loan amount. In order not to miss the date of the next payment, you will receive an SMS message in advance. This service is always provided by Home Bank free of charge.

Terms of the Freedom + Program

"Freedom +" is a package of additional card features, which, in contrast to the basic tariff plan, is paid. The cost of the program is 0.99% per month of the amount owed, but not less than 99 rubles and not more than 499 rubles per month. Now let's take a closer look at what it gives us:

1. Skipping payment. Once every 6 months, you can use the free feature and miss 1 payment.
2. 6 plus. Increase of the installment plan by 6 months for any of the purchases. The cost is 6% of the purchase amount.
3. 10 plus. Similar to the previous option, only an increase of 10 months and a commission of 10%.
4. Refusal of collection. Debt collection is completely terminated upon submission of supporting documents for the following events: the death of the borrower, disability, loss of home due to a fire or natural disaster, hospitalization for a period of 6 months or more.
5. All options can be summed up and are provided only if there are no delays within the last 6 months.

The official website of HKF Bank LLC contains a list of organizations that act as partners and allow you to purchase things from them at a rate of 0%. Each has its own term. Consider the most significant companies, and the rest you can find on the official website.

Partner Stores

How installment plan works at Home Credit Bank

With this calculator, you can easily calculate your monthly payments. Make as many purchases as you like, but remember: their total amount cannot exceed the maximum credit limit on the card, equal to 300 thousand rubles.

Purchase 1

Delete Add purchase