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Так называемые карты рассрочки — это один из видов кредитных карт, которые позволяют совершать покупки здесь и сейчас, а расплачиваться спустя время. То есть стоимость товара компенсируется посредством внесения регулярных, обычно ежемесячных, платежей.
Карты рассрочки по праву заслужили народную популярность. При грамотном использовании карты — можно выгодно приобретать товары «здесь и сейчас». Особенно актуальна опция рассрочки в периоды праздников или проведения ремонта, приобретения новой бытовой техники и т.д. Для каждого человека степень важности и необходимости приобретения товара определяется индивидуально.
Какие особенности имеет карта рассрочки?
Есть и другие характерные черты у карты рассрочки. Во-первых, это продолжительное время действия, важен льготный период: в течение него банк не начисляет проценты на карты рассрочки. Обычно он составляет до 50-100 дней. Однако некоторые кредитные учреждения гарантируют год и даже больше 1000 дней. Правда, при столь комфортном грейс-периоде и срок рассрочки на покупки вне партнерской сети небольшой. К примеру, он может составить только 2 месяца.
Во-вторых, важна специфика обслуживания. Как правило, оно безвозмездное; выпуск, перевыпуск также бесплатные. Те же условия распространяются на дополнительные карты. В иных случаях банк взимает около 500 рублей ежегодно. Берут деньги и за SMS-информирование, беспроцентный период при выдаче наличности зачастую отсутствует. За снятие собственных денег взимают 0-2%, за выдачу кредитных средств — существенно больше: место (банкомат своего или чужого банка, офис кредитного учреждения) и дата выдачи значения не имеют.
В-третьих, играет роль доступный лимит средств для покупок — обычно до 0,5-1 миллиона рублей в общей сложности. В договоре помимо этого указывают и пределы снятия наличных для держателя карты.
Требования к потенциальному заемщику минимальны — гражданство, постоянные доход, регистрация, наличие мобильного телефона.
Такие банковские карты можно приобрести непосредственно в кредитных учреждениях или заказать доставку на дом. Во втором случае курьер привезет “пластик” в оговоренное время и передаст его в руки.
Как выбрать карту?
Потребности потребителей разнообразны, поэтому и предложения кредитных учреждений отличаются массой особенностей. Общее правило — клиенту выгодно безвозмездное обслуживание карты, банку — движение денежных средств по счетам. Учреждение это учитывает и гарантирует безвозмездность, но при условии, что заемщик будет тратить на покупки, к примеру, 15000 рублей. Если условия бесплатности нарушены, то с клиента начнут взыскивать относительно небольшую сумму — допустим, 100 рублей в месяц.
Другая общая норма — размеры лимитов для новых клиентов небольшие, поскольку кредитор опасается, что заемщик не справится с обязанностями, допустив просрочки по выплатам.
Иной раз клиентам предоставляют возможность делать покупки и в иностранных магазинах, но, скорее всего, в таких случаях проценты начнут взимать после каждой покупки — в строгой зависимости от затраченных средств.
Однако есть и множество приятных нюансов, когда вы используете карты рассрочки. Так, банки гарантируют бонусы за активные покупки. Один бонус, к примеру, равен рублю. Компенсировать новые приобретения в магазинах можно с помощью бонусов.
Условия получения кэшбэка весьма гибкие. Зачастую максимальные проценты гарантируют при покупках в супермаркетах, ставших партнерами конкретного кредитора. В остальных случаях размер процентов окажется раза в три меньше. Где-то банк отменяет постоянный возврат денег клиентам, но при этом устраивает шикарные акции. Допустим, гарантирует кэшбэк в размере 15-20% в сентябре, октябре. Некоторые кредитные учреждения применяют очень гибкую систему бонусов. К примеру, клиент возвращает 2% при тратах на путешествия, 5% — при обслуживании в барах, кафе, ресторанах; 6% — при бронировании номеров в отелях на ресурсе самого банка, но 0,5% — при пользовании другими гостиницами.
В ходе конкуренции Банки предлагают множество дополнительных опций к карте рассрочки. Это может быть Кэшбек в виде бонусов, скидки у партнеров и даже доход на остаток собственных средств на счете.
Самая выгодная карта пожалуй «Халва» от Совкомбанка.
Она обладает широким перечнем выгодных опций:
- Бесплатное обслуживание карты;
- Рассрочка до 36 мес;
- Кешбэк до от 1% на все покупки и до 35% в магазинах парнеров (более 150 000 магазинов);
- До 7,5% на остаток собственных средств;
- Бесплатная доставка карты курьером;
- Кредитный лимит до 350 000 руб.
Для получения обещанных выгод необходимо соблюдать определенные условия.
Более подробно о карте «Халва» :
Карта «Совесть» от КивиБанка считается самой честной на рынке.
Опции карты не предусматривают кэшбек и прочие условия не такие выгодные на первый взгляд по сравнению с предыдущей картой. Можете не волноваться на этот счет, потому что ее отличают более прозрачные условия, все просто и понятно.
- Бесплатное обслуживание карты;
- Рассрочка до 12 мес;
- Более 50 000 магазинов патнеров;
- Бесплатная доставка карты курьером;
- Возобновляемый кредитный лимит до 300 000 руб.
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