Кредитная карта без процентов – это банковский продукт, который позволяет пользоваться заемными средствами для покупок и платежей безвозмездно на определенных условиях. Например, в течение льготного периода или за оплату покупок в определенных категориях и на конкретных условиях. Суть предложения проста: вы пользуетесь заемными деньгами, но не платите проценты. А вот условия зависят от политики банков.
Большинство из них выдают кредитные карты с беспроцентными периодами. Срок, в течение которого вы можете пользоваться деньгами без переплат, устанавливается индивидуально. Более того, каждый банк формирует свои правила расчета льготного периода. Чаще всего он начинается с фактической даты покупки или со дня выписки.
| Льготный период (дни) | Комиссия за снятие наличных | Обслуживание (руб.) | Процентная ставка | Максимальный лимит (руб.) | |
|---|---|---|---|---|---|
| Промсвязьбанк «Двойной кэшбэк» | 55 | 3,9% + 390 р. | 990 | 26% | 600 000 |
| Альфа-Банк «Cаsh Back» | 60 | 4,90% | 3990 | От 25,99% | 300 000 |
| Росбанк «Можно ВСЕ» | 62 | 4,90% | 890 | 26,9 % (стандартные условия) | 1 000 000 |
| Альфа-Банк «100 дней без %» | 100 | 0% | 1190 | от 14,99% | 500 000 |
| УБРиР «120 дней без %» | 120 | 4% | 1900 | 28-31% | 299 999 |
В Альфа-Банке льготный период карты «Cash Back» достигает 60, карточки «100 дней без процентов» – 100 дней.
Выгодная кредитка без процентов Росбанка «Можно ВСЁ» предусматривает 62 дня для бесплатного погашения долга. Отсутствие абонентской платы (при соблюдении требований к ежемесячному обороту), крупный кэшбэк дополняют преимущества платежного инструмента.
Легкостью оформления, низкой стоимостью обслуживания, солидным лимитом, беспроцентным периодом до 55 дней отличается кредитная карта «Двойной Кэшбэк» Промсвязьбанка.
Клиентам УБРиР предоставлены 120 дней безвозмездного кредита по карточке Виза «120 дней без %». Льгота распространена на все виды расходных операций.
При выборе пластика необходимо сравнить совокупность значимых для пользователя параметров.
Пример: вы оформили кредитную карту без процентов в течение льготного периода. Срок последнего – до 120 дней. Однако отсчет начинается с даты выписки, то есть с первого дня календарного месяца. Поэтому если вы совершите покупку 28 января, то льготный период все равно будет отсчитываться с 1 января. Соответственно задолженность нужно будет погасить до 1 мая. Внимательно читайте условия договора, чтобы не переплачивать.
Несмотря на длительные льготные периоды, кредитка без процентов может требовать внесения ежемесячных обязательных платежей. В этом случае вы не можете погасить всю задолженность в конце срока. Однако размер обязательного платежа в среднем составляет лишь 5-10% от суммы долга, поэтому проблем с внесением денег не возникает. Что же касается остальной части задолженности, то эти деньги можно внести в любое удобное время. В том числе, в конце срока.
Как получить кредитную карту с беспроцентным периодом?
Наш сервис помогает подобрать кредитки с самыми большими льготными периодами и выгодными условиями обслуживания. Мы публикуем актуальные предложения от банков, чтобы вы первыми могли узнавать о новых финансовых продуктах, акциях и программах лояльности. Чтобы найти действительно выгодное предложение, сравнивайте не только продолжительность льготного периода, но и другие условия. В частности, платное или безвозмездное обслуживание карты, наличие или отсутствие комиссий, дополнительных платежей.
Чтобы оформить кредитную карту с большим льготным периодом:
- Сравните все актуальные предложения и выберите подходящее.
- Перейдите на сайт банка и оставьте заявку на кредитку онлайн.
- Дождитесь рассмотрения анкеты и одобрения кредитного лимита.
- Ответьте на звонок от менеджера банка и согласуйте способ получения карты.
- Заберите карту в офисе кредитора или закажите курьерскую доставку, после чего активируйте ее.
Обратите внимание на условия договора – банки предлагают разные способы экономии. Вас может заинтересовать кредитка без процентов за снятие наличных или за проведение любых платежей и переводов. На многие карты действуют программы лояльности, которые предусматривают начисление бонусов за пользование деньгами и дают многочисленные привилегии вплоть до кешбэка, проходов в бизнес-залы аэропортов и скидок.
При выборе карты важно учитывать все условия ее обслуживания. Главным образом, процентную ставку – вы всегда должны помнить о возможности возникновения форс-мажорных обстоятельств, из-за которых не сможете погасить задолженность полностью в течение льготного периода. Наш сервис поможет узнать обо всех условиях и оформить действительно выгодную кредитку. Используйте его возможности, чтобы экономить время.
Максимальный лимит по карте Совкомбанка Халва достигает 350000, по продукту Киви Банка Совесть – 300000 рублей.
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