Максимальную выгоду клиентам финансовых организаций приносит кредитка без процентов за пользование заемными средствами в течение льготного периода. Держатель кредитной карты вправе оплачивать покупки, обязательные платежи, выполнять денежные переводы, снимать наличные. В целях поощрения безналичных расчетов банки устанавливают продолжительные временные интервалы для возврата потраченных сумм без взимания комиссий. Отдельные банки распространяют действие льготы на все расходные операции.
Бесплатное пользование кредитных средств могут обеспечить обычная кредитка с льготным периодом или карта рассрочки, представляющая своеобразный вид кредита.
Льготный период
Финансовые учреждения учитывают интересы разных категорий пользователей при разработке линейки карточных продуктов. Программы отличаются важными характеристиками, в том числе продолжительностью грейс-периода.
| 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.
Рассрочка – выгодное кредитование
Карты рассрочки применяют для оплаты товаров и услуг предприятий – партнеров финансовых организаций. Отличиями рассрочки от привычного пластика являются:
- продолжительный бесплатный период (3-4 месяца, максимально – 12 месяцев);
- постепенное погашение долга небольшими платежами в течение нескольких месяцев;
- применение исключительно для безналичных расчетов;
- полное отсутствие платы за выпуск и обслуживание.
Срок возврата долга зависит от предприятия торговли (услуг), заключившего договор с эмитентом.
Максимальный лимит по карте Совкомбанка Халва достигает 350000, по продукту Киви Банка Совесть – 300000 рублей.
Как выбрать свой вариант бесплатного кредитования?
Решение вопроса о том, как выбрать свой вариант карточки, необходимо учитывать цели применения платежного средства. Оформить обычный пластик для кредитования полезно заемщикам, желающим наряду с безналичными операциями иногда снимать наличные деньги. Удобная кредитка без процентов обеспечивает свободу распоряжения заемными деньгами при практическом отсутствии переплаты.
Рассрочка удобна для расчетов с организациями партнерской сети. На выбор конкретной программы существенно влияет перечень партнеров банка.
Держателю любой кредитной карты следует помнить о том, что льготный режим действует при соблюдении определенных условий:
- безналичных расчетов (за редким исключением);
- погашения задолженности до истечения установленного срока;
- внесения текущих минимальных платежей без просрочек.
В случае нарушений требований грейс-периода придется оплачивать проценты по кредиту согласно действующим тарифам.
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