Кредит – явление, которое плотно вошло в жизнь современного общества. Выбирая между потребительским кредитом и кредитной картой, большинство клиентов банка отдают предпочтения карте.
Одно из главных преимуществ кредитки — возобновляемый кредитный лимит.
Многие банки предлагают карты с беспроцентным, так называемым льготным периодом. Денежные средства в таком случае предоставляются клиенту бесплатно (без процентов) в рамках определенного периода времени. В среднем льготный период составляет от одного месяца до 120 дней. Всё зависит от условий кредитования, и в каждом банке они свои. Если клиент в течение беспроцентного периода не возвращает снятую с карты сумму денег, то это рассматривается как задолженность льготного периода.
Схема погашения по льготному периоду
Для того что бы понять всю схему, следует разобрать каждый этап по отдельности.
Начало льготного периода может определяться по одному из критериев:
- С момента получения карты;
- С момента первой транзакции.
Транзакцией считается любая операция списания денежных средств с карты, в том числе и оплата услуг банка (обслуживание)
Расчётный период, как правило, он не превышает 30 дней, это период, в течение которого клиент тратит деньги с кредитной карты. В рамках этого периода владелец карты обязан внести на карту минимальный платеж. Сумма вносимых средств определяется индивидуально и как правило составляет не более 10% от общей суммы задолженности.
Платёжный период, в течение этого периода банк предоставляет возможность клиенту полностью погасить потраченную денежную сумму.
Льготный период может составлять до 120 дней. В рамках этого срока процент за пользование кредитными средствами не начисляется.
Сколько стоит просрочка?
Кредитная карта требует ежемесячного пополнения минимальным платежом. В случае с просрочкой минимального платежа — это всегда штраф в виде пени или повышенного процента. Вариантов наказать должника множество. Вам следует подробно изучить тарифы карты на сайте банка или позвонив по горячей линии. Если рассматривать все банки в целом,то схемы штрафов могут быть следующими:
- фиксированная сумма штрафа от 300 — 700 руб.;
- фиксированная сумма, размер которой зависит от количества просрочек. Например: первая просрочка — 300, вторая — 500, третья — 1 000;
- фиксированная сумма штрафа + ежедневный процент на сумму просрочки (минимального платежа);
- повышается общая процентная ставка на весь долг в среднем на 10%;
- самое главное — снимается Льготный период.
- За просрочку более 3-х месяцев карту могут заблокировать и начать действия по возвращению долга.
В случае, если вы но не смогли вернуть основной долг в течении льготного периода — на всю сумму задолженности начисляются проценты установленные тарифами вашего банка. Как правило это не маленькие проценты.
Процентная ставка по кредитной карте
Процентная ставка по кредитным картам зависит от выбора того или иного банка. Средний процент составляет до 25%. Также есть банки, которые выдают кредитные карты с пониженной процентной ставкой – до 15%. В случае, когда имеет место быстрый кредит по паспорту, процентная ставка бывает намного выше средних показателей – 35-45%. Столь высокий процент неудивителен, так как в данном случае карты выдаются без предоставления каких-либо документов, подтверждающих платёжеспособность гражданина.
Что делать при задолженности по льготному периоду
Как уже отмечалось выше, до окончания льготного периода все потраченные деньги в расчетном периоде должны быть возвращены обратно на карточный счёт, в противном случае клиенту придётся платить проценты.
Просрочка льготного периода грозит вам лишь процентом на потраченную сумму денег. Задолженность минимального платежа (если речь идет о сроке более 3-х мес.) или платежного периода может иметь более серьезные последствия. Для решения проблемы с задолженность можно прибегнут к следующим рекомендациям:
- Узнать полную стоимость кредита и постараться погасить долг как можно скорее.
- Вносить минимальные платежи в срок и более не использовать карту до полного погашения задолженности.
- Не игнорировать звонки кредитора или самому идти на контакт. Банк обязательно поможет вам в решении этой проблемы, потому как сам заинтересован в этом.
- Воспользоваться средствами другого кредитора. Как правило, пользуются другими кредитными картами для перевода средств или берут срочный займ.
Хоть пластиковые кредитные карты и снискали свою популярность у людей, но, обращаться надо с ними весьма аккуратно – всегда можно потрать всю сумму, и вроде на нужные вещи, но льготный период быстро пролетит и настанет день икс, когда из-за неуплаты основной суммы придётся платить пени, или штрафы.
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