Today, all citizens on the territory of our country are actively using credit cards. This banking product provides great opportunities: to make purchases as desired and necessary, to make financial investments in the business.
The main thing to remember is that using a card has a number of features that you must familiarize yourself with before signing a contract with a bank.
Modern payment tool
A card with a credit limit is a modern financial instrument that does not provide for targeted use. To receive it, you must submit an application and wait for the approval of the credit institution. The borrower is not required to use the entire credit limit simultaneously. You can use the funds provided if necessary during the validity period of the card. The credit limit can be renewed at the mutual desire of the two parties, the lender and the borrower. Credit cards, as a rule, have a grace period of interest-free use of bank funds. During the grace period, the loan is repaid without interest.
General terms
According to reviews on credit cards of Vostochny Express Bank, the lending limit and the loan rate for all loan products of the bank are set individually for each borrower. The credit limit on a card may be revised by a credit institution depending on changes in the history of the borrower and the level of his income.
Judging by the reviews on credit cards of Vostochny Express Bank, the borrower has the ability to track transactions on his cards using:
- Alerts on a cell phone. The borrower’s phone number will receive information on a regular monthly basis with a minimum payment and due date.
- Through online banking.
You can deposit funds to the card using the Internet bank, through the payment terminal of the bank, through the cashier in the branches.
Ways to draw up cards
According to reviews on credit cards of Vostochny Express Bank, there are several ways to apply for a card with a credit limit:
- the future borrower can contact the nearest branch of a commercial bank;
- the client can apply for a card in real time on the official website;
- the borrower can call the bank’s information service by phone and leave an application for issuing a card there.
Estimated time for consideration of the application is fifteen minutes. A client instantly receives a response from a credit institution and can become a credit card user on the same day and hour.
Card activation
According to reviews, the Vostochny Express bank basic credit card is activated depending on how it is received:
- in case of receiving a credit card at the office of a commercial bank, its activation will occur automatically after a maximum of half an hour;
- if the card is issued by the client through the Russian Post, then to activate it, you need to call the bank hotline number and inform the bank institution employee of the client card number and passport data of the borrower.
Judging by the reviews, the credit card of Vostochny Express Bank can be activated at any time during its validity period.
Seasonal Card
What is it like?
- The credit limit is at least 55 and a maximum of 300 thousand rubles.
- The fee for receiving money at an ATM in the first three months is 12% per annum.
- No card maintenance fees.
According to reviews, the credit card "Seasonal" Bank "Orient Express" is popular with customers who love to make purchases in online stores. The card gives its users the following benefits:
- the presence of a period without payment of interest - 56 days;
- convenient loan repayment schedule;
- quick card issuance, literally within five minutes;
- the ability to make purchases in virtual space without fear of scammers, as the card is protected by 3DSecure technology.
When applying for a card, borrowers must satisfy the following conditions:
- the client must be between 21 and 71 years old;
- borrower citizenship - Russia;
- To live and be registered, the client must be in the city of the bank's presence.
- the length of employment of a client of a commercial bank should be at least a quarter at the current place of work, if the client is younger than 26 years, then the length of service at the last place of activity should be at least a year;
- if the client is less than 25 years old, then to apply for a card you will need to present a passport, a document on financial security (income statement), all documents from the place of work must be duly certified by the employer.
Map "Youth"
If you read the reviews, the Vostochny Express bank youth card is designed for those who are over eighteen but less than twenty-one years old and who are willing to bear responsibility for their financial obligations. When applying for a card, the requirements for borrowers are:
- borrower citizenship - Russia;
- to live and be registered, the client must be in the city where the credit institution is located;
- the client's working experience is at least three months at the current place of work with confirmed income;
- To draw up a card, the borrower will need only a passport of a citizen of our country, but at the request of the employees of the credit institution, additional documents may be required.
According to customer reviews, Vostochny Express bank credit cards at the described rate are provided on the conditions:
- lending limit from 11 to 300 thousand rubles;
- loan interest - 29.9 percent per annum;
- lack of card service charges.
Based on the reviews, the credit card "Youth" Bank "Orient Express" is popular with young people and girls. It gives its users the following benefits:
- the presence of a period without interest - 56 days;
- quick card issuance, literally within five minutes.
Traveler Card
The card for travel lovers gives its users a number of advantages:
- credit limit from 55 to 300 thousand rubles;
- loan interest - 24 percent per annum;
- lack of an annual card maintenance fee.
A credit card for travelers of a credit institution is popular with customers who like to relax in comfort, enjoy a number of privileges. The card gives its customers the following benefits:
- refund for purchases up to 60 thousand rubles per year;
- use of privileges according to the bonus card program;
- quick card issuance within half an hour.
When applying for borrowers, in addition to age (from 21 to 71 years), the following requirements are presented:
- human citizenship - Russia;
- the future borrower must reside and be registered in the territory of the Vostochny credit institution;
- the experience of the client should be at least three months at the last place of work with official regular income (if the client is younger than 26 years, then the experience of work at the last place of work should be at least one year);
- if the client is over 26 years old, then only a passport is needed to apply for a card;
- if the client is less than 26 years old, then for issuing the card you will need to present a passport, a document on financial security (a statement of income of any form), all documents from the place of work must be duly certified by the employer.
Simple and profitable
According to reviews, Vostochny Express bank's Prosto credit cards offer 5 advantages to their users:
- interest-free loan period of up to five years;
- free annual service;
- free reissue of the card;
- cash withdrawal from ATMs without charging a commission;
- quick card issuance.
When applying for a card, the following requirements are imposed on borrowers:
- customer age from 21 to 71 years;
- borrower citizenship - Russia;
- to live and be registered, the client must be in the city of the bank;
- the working experience of a borrower of a commercial bank must be at least three months at the current place of work with stable official income (if the client is younger than 26 years, then the working experience at the last place of work should be at least a year);
- To draw up a card, the borrower only needs a passport.
Simple Card
The loan product "Prosto" is a card with an interest-free loan period for any operations up to sixty months. After the specified period, the rate is calculated - equal to ten percent per annum. According to reviews, the Vostochny Express bank credit card is “Prosto” and is provided to customers on attractive terms.
- Credit limit up to 70 thousand rubles.
- The interest on the loan is zero percent per annum.
- The card service fee is 30 rubles per day.
Judging by the reviews, the Vostochny Express bank's Prosto credit card is in great demand among various customers. The card gives its users the following benefits:
- interest-free loan period of up to five years;
- clearance within half an hour.
Credit card "Just 30"
According to reviews, Vostochny Express Bank offers cards with a credit limit on very attractive terms. Among the whole variety of offers, the financial product “Just 30” stands out with an interest-free loan term for any operations up to sixty months. After the specified period, the rate is calculated equal to ten percent per annum. If you look at the reviews, the credit card of Vostochny Express Bank is provided to customers on the following conditions:
- credit limit up to 120 thousand rubles;
- loan interest - zero percent per annum;
- card service fee is 50 rubles per day.
What do the reviews say? The credit card "Just" Bank "Orient Express" is quite popular among customers. She has an interest-free loan period of up to five years, she is issued within 30 minutes.
Map "Heat"
Vostochny Express Bank came up with and developed a special card for citizens who like to save on daily expenses. It gives its users the following benefits:
- credit limit from 55 to 300 thousand rubles;
- loan rate - 29.9 percent per annum;
- lack of an annual card maintenance fee;
- there is a fee for providing a card - 800 rubles;
- the period without interest payment - 56 days;
- money back under the bonus program "Heat" for operations performed using the card;
- card payment system - "MIR".
When applying for a card, the following requirements are imposed on borrowers:
- the age of the future borrower is from 21 to 76 years;
- Russian citizenship;
- the future borrower must reside and be registered in the territory of the Vostochny Express credit institution;
- the experience of the client should be at least three months at the last place of work with official regular income (if the client is younger than 26 years, then the experience at the last place of work should be at least one year);
- To obtain a card, you will need to present a passport, if necessary, other documents will be additionally requested.
Partner Card
Vostochny Express Bank came up with and developed a special card for employees of accredited companies. The card provides its customers with a number of features:
- credit limit from 33 to 300 thousand rubles.
- loan interest - 24.9 percent per annum;
- lack of an annual card maintenance fee.
A credit card for bank partners is popular with a certain category of companies that like to benefit from mutual cooperation. The card gives its users the benefits of:
- the period without interest payment - 56 days;
- quick clearance within five minutes.
When applying to the borrower, the standard requirements are presented, which have been mentioned more than once:
- the future borrower must be between the ages of 21 and 76;
- Russian citizenship;
- the future borrower must reside and be registered in the territory of the presence of the credit institution;
- the experience of the client must be at least three months at the last place of work with official regular income, if the client is younger than 26 years, then the experience of work at the last place of work must be at least one year;
- To apply for a card, you will need to present a passport and a document on financial security (2 personal income tax or a statement of income in the form of a bank). All documents from the place of work must be certified by the employer.
Summary
What do customers write in reviews? Credit cards of Vostochny Express Bank are a very attractive banking product in the retail lending market. They have huge advantages in their segment. These include a preferential interest-free credit limit, a refund of the commission for purchases, a minimum or zero card service fee. Using a bank payment card, you can perform operations related to money. When applying for it, a grace period is often connected, that is, the borrower can use the money from the card without paying interest. Which is very convenient and profitable.
