Credit card is a convenient tool for Everyday life... It makes it possible to provide additional money for a short period. Bank Promsvyazbank provides a line of credit cards with some features and benefits.
Possibilities of Promsvyazbank credit cards
The bank provides several types of credit cards. One of them is platinum cards.
- PSB-Platinum - premium credit Visa card or MasterCard with a high credit limit. It provides exclusive services, for example, free issuance of additional cards with Standart and Gold chips. You can issue them for yourself or a loved one. Also included are insurance programs: "Card protection" for holders and "Traveler protection". In case of loss, replacement takes place within one day.
- An ordinary credit card received from Promsvyazbank has a grace period of 55 days. At this time, interest on the loan is not charged. However, there is a Supercard - a credit card of Promsvyazbank - 145 days without payments. This is the longest grace period among all the offers on the market. It is also platinum and has all the benefits of this type.
Group of Transaero cards. Three types of execution: Classic, Gold and Platinum. The last two were created by special program Transaero Privilege:
- Credit card Promsvyazbank: positive reviews from those who often use flights;
- Provides the opportunity to check in at the business class counter;
- Increases the priority of service in the waiting room;
- Allows you to carry 10 kg in excess of your baggage allowance. Platinum - additional 15 kg of hand weight;
- VIP service and booking at Transaero offices;
- Invitation to the Transaero Business Class Lounge;
- Operates at Vnukovo and Domodedovo airports.
All cards have 3D-Secure technology. It allows you to make and receive secure payments from abroad.
PSBonus. There is a bonus program for all subscribers. When paying in a store through a card, depending on its type, bonuses are credited to it. One hundred rubles - 1-2 bonuses with which you can pay. In shops cooperating with the bank, discounts on purchases can reach up to 40%. Also, upon receipt of the card, from 200 to 1500 bonuses are accrued.
Comparative characteristics of credit cards from Promsvyazbank
The table shows Promsvyazbank credit cards in an online comparison:
Platinum cards have the highest limit and the lowest credit rate. However, such cards are expensive to maintain and the most difficult to get them: you need to have a really high income.
Supercard - has the most large percentage, but it is free in service and has a long grace period.
Gold and Platinum cards have additional service privileges.
Leave an online application for a credit card at Promsvyazbank. For this:
- On home page site open the list "Online services";
- Follow the link "Assistant for selecting a bank card";
- At the top, open the "Bank Cards" list;
- Click on the " Credit cards»;
- Select the card you are interested in and click submit an application ";
- Fill out the form, submit it for review and await a response from the bank.
You can leave a standard application at any branch of Promsvyazbank.
Borrower requirements:
- Citizen of the Russian Federation + permanent registration;
- Age 21 - 63 years old;
- Work experience over 1 year;
- 2 phone numbers.
After the card has been issued, receive it at the bank's office. The term for creating a card is from 1 to 2 weeks. 
Also, you can immediately go to the Promsvyazbank offices and apply for a card there.
When registering with you, you must have the following documents:
- Statement
- Russian passport
- A copy of the work book
- Certificate 2-NDFL
For loyal customers, the procedure can be simplified. There is Special offers when, upon application for a Promsvyazbank credit card and passport, you can get gold card... An unlimited card can be obtained with only one passport.
- The grace period is 55 days. Supercard - 145 days.
- Credit card Promsvyazbank provides standard conditions for repayment: at least 5% monthly of the loan amount.
- The penalty for late payment is 20% per annum.
- For cash withdrawals, a commission is charged - 4.9% and 500,000 rubles per day. On top of this amount, another 2% of the excess amount is added.
Reading time ≈ 11 minutes
"Supercard" is a card product of Promsvyazbank with an increased grace period... We could stop at this by listing a couple more features such as bonuses and interest rates. But, there really is something to write about this card. In addition, many are trying to find some kind of catch in it.
"Super card" ("Supercard") is a premium card for people who want to get more out of life. Let's first get acquainted with the basic conditions that the bank offers. And in order, we will give explanations on the main points.
Note also the fact that now the card is issued at the NEW tariff "Tariff Plan 1", there were some differences, in particular, a change in the order of service and a decrease in the interest rate.
So here it is:
The first grace period is 92 days and is valid until the last calendar day 3rd month. That is, it should immediately become clear that it is better to start spending on the card in the very first days of the month, so that the grace period is maximum. After that, the second grace period automatically begins for the standard 55 days. And in total there are 147 days (2 days as a bonus, probably). And why then this division into periods? Wasn't it possible to write "grace period 92 + 55 days" so that it was immediately clear that nothing was clear ...
We assume that the division by grace period is made to SHARE customers for those who strive to close the debt as soon as possible, and those who will pay long minimum monthly payments. Plus, do not forget about the marketing ploy (145 days at 0%, wow!) And the penalty for non-payment of debt during the grace period for at least 1 day.
During the first grace period, you must pay at least 5% of the debt. If during these 92 days the debt is not repaid, then the report of the second grace period automatically starts, which pushes the bar for the grace period to 147 days. And here another dog is buried. If, for any reason, the client cannot repay the debt for such a long time, then the bank, with great pleasure, will charge the client with interest for all 147 days of using borrowed money .
If the borrower, within the first 92 days, is able to pay off the resulting debt, then, in addition to being a good fellow, he will be offered to switch to a second grace period. Those. after debt closure within the first 92 days, and in case of new use borrowed money, the report for such a respectable and punctual client will go on the 55-day standard deadline. At the same time, for those past 92 days of using the loan (which has been repaid), you can already forget, and in case of delay in the second grace period, penalties will be charged precisely for this period. By the way, the first grace period of 92 days is given only once.
Why the bank is so tricky with these grace periods is difficult to answer, at least not in the bank itself, or in other authoritative resources, unfortunately there is no information. Let's hope that Promsvyazbank employees will read this article and provide comprehensive information.
Commissions, fines, service costs
The bank takes quite large commissions for withdrawing cash, either in its own or in partner ATMs. It is 4.9%, but not less than 299 rubles. It is allowed to use your own funds, however, here the client will also be charged a commission for withdrawing cash, but only in partner banks - 1%, but not less than 199r. When withdrawing own funds there is no commission at the bank's ATMs.
What other penalties and commissions are there on a supercard?
- 650r - a one-time fine for a late payment of the minimum payment;
- 0.3% per day - forfeit for late payment;
- 20% per annum - penalty for delay (interest is indicated on the amount owed);
- 15p will be charged for requesting the balance on the card in third-party ATMs;
- 5800r - commission for urgent cash withdrawal outside the Russian Federation in case of loss of the card;
- 8300r - commission for issuing a temporary card if the main card is lost outside the Russian Federation;
- 1.99% - currency conversion commission.
How much does the Supercard service cost? The card is issued free of charge. The first month of service is also free. From the second month, the service fee will be 199 rubles (every month). In the previous tariff, the service fee was charged depending on the card balance.
What else is paid for "Supercard" ?
- SMS informing service - 69 rubles per month (828 rubles per year)
- Restriction on cash withdrawal - up to 500,000 rubles per day / 2,000,000 rubles per month.
- Do you want a unique design? Pay 399 rubles more. See article "".
Perhaps that's all, about penalties, fines and commissions.
Security
The developers have tried to protect the money on the card from any intruders. This includes the presence of a chip, due to which it is practically impossible to forge a card (see article about). 3D-Secure, which generates 2 steps of authentication using a one-time password via SMS. Also, the owner of this wonderful card is available (depending on the choice of payment Visa systems or MasterCard).
Promsvyazbank also offers participation in the program "Card protection"... it insurance program, designed for round-the-clock saving of financial savings on the card. The program was developed jointly with ZAO Chartis, the largest player in the banking insurance market.
Who can become the owner?
We have already written about the package of supporting documents. Well, other conditions are practically no different from the conditions in other banks. This is the age from 21 to 63 years old at the time of the application, permanent residence in the region of presence of the bank's branch. Also, we repeat, the total work experience must be at least a year, and it is allowed to have alternative ways of confirming income. When placing an application, you must specify 2 phones, one of which is mobile.
Buns and bonuses
We left the most delicious last - bonuses and goodies from the bank. What privileges do Supercard owners have? After all, this is a premium card, and I want the service to match. The way it is. Bonuses and privileges are perhaps one of the most strengths of this card (along with the grace period of 145 days). What the bank offers:
1) Banking Privilege Program... Full title "Banking Privilege Program of Promsvyazbank"- a kind of discount club for their own people, i.e. for holders of bank cards. Within the framework of this program, discounts are offered for a variety of categories of goods and services from the bank's partners. The website of the program states that the amount of discounts can be up to 22%. However, after digging around on the sidelines of discount programs, we found offers by 70% (we are talking about the "Power-Style" fitness club). And discounts are more modest - 15-20% are already found much more often.
If you came to any institution and saw a sticker with the inscription "Bank Privilege Program" and the interest rate, for example 15%, then it is valid here this program, and if you have a "Supercard" in your pocket, you can save 15% here.
The categories of goods and services within the framework of the privilege program are as diverse as possible. These are auto goods, medicine, sports, restaurants, hotels, all kinds of shops, beauty services, tourism, etc.
2) Privilege program from MasterCard or Visa payment systems... The platinum status of the card will allow you to take advantage of bonuses and discounts of the payment systems themselves. And the geography of their coverage is the whole world. In the case of MasterCard, this is “Collection of discounts and MasterCard privileges Favorites "... In the case of Visa, this is "Peace Visa privileges» ... What do they give? A huge number of discounts and bonuses around the world and for a variety of product categories (this information is best viewed directly on the website of the payment systems themselves). In addition, which, in our opinion, is no less important - this is help and round-the-clock consultation in case of any problems, for example, theft of money, or loss of a card.
3) Participation in the PSBonus bonus program... This program allows you to accumulate points for various purchases, it can be either a purchase in a store or an additional debit card at Promsvyazbank. The accumulated points can also be spent in partner stores of the bank, transferred to others, and also cashed out.
The following figure shows the actions for which bonuses are awarded:
You can connect your "Supercard" in the BSBonus bonus program either in the Internet bank, or by calling 8-800-333-03-03, or at the nearest branch of the bank.
4) Participation in the program "Day by Day"... This is a very interesting and profitable accumulation service. It is necessary to open a bank account, and when spending on the "Supercard", interest will accumulate on the savings account, from 3 to 6.5% per annum. You can also connect an automatic service "Day after day", it allows for any card transactions to automatically credit a certain amount from the card to the savings account. You can select up to 7 rules for automatic accumulation. For example, Spent-Save Rule ... That is, from each purchase made with a supercard, the amount specified according to this rule will be credited to the savings account. It is not taken out of thin air, but transferred from the card to the account. This is just for those people who constantly complain, they say, "I can't save up, money always goes somewhere."
This information is taken from the official website of Promsvyazbank
Outcome:
There is such an interesting card on the market. High interest rates, you say? Well, don't forget about the premium level of service. This is not a simple credit card, but a special product for its audience, which has certain requirements for the quality of service. Take here simply unlimited options for discounts, bonuses, and fill it with a 3-month grace period - at the end you will get a product that will easily win the audience for which it was created.
p.s. And for those who decided that they need such a card, you can order a Supercard on the official website of Promsvyazbank from the application page https://www.psbank.ru/Personal/Everyday/Cards/SuperCard/Apply or you can do it at the bank office.
The card, of the three presented, is the cheapest. The annual rate is 29.9%, and the service will cost only 590 rubles. per year for the main and 290 rubles. for additional. The maximum loan limit is 150,000 rubles.
For customers who have issued a credit card before March 15, 2017, different conditions apply: servicing an additional card costs them 350 rubles, and the main one - 49 rubles. per month (the first 30 days of use were free). The commission for cash withdrawals has also changed: three times less than for customers who issued a card before the spring of 17 (more on commissions below).
The Platinum card participates in the PSBonus bonus program.
"Supercard" - a profitable grace period
The card's capabilities are unique - the interest-free period is 145 days... However, it can only be used once. The service is activated at the moment of receiving the card. The money for all purchases made during the grace period must be returned to the account in full (up to a penny) on time in order to avoid accruing interest for each month of using the funds.
Throughout the entire grace period, it is imperative to make timely payments at least in minimum size(5% of the used credit amount), but it is recommended to top up the card with large amounts.
After the end of the grace period of 145 days, you will only be able to use the usual one - 55 days.
The service of the credit account will be free for those who spend at least 30,000 rubles on the card. per month. Otherwise, the cost will be 1,500 rubles. in a year. The maintenance of an additional credit card will cost 999 rubles. Within the framework of the program, payment for the first year is not charged.
The Supercard limit can be up to 600,000 rubles. The exact amount will be determined by the bank on an individual basis, depending on the client's income and the way they are confirmed. However, some restrictions have been introduced:
- Maximum size credit is available only to those customers who have provided a 2-NDFL certificate.
- Up to 80,000 rubles. it is possible to provide a loan to citizens who have confirmed their income in another way and living in Moscow and St. Petersburg, residents of the regions maximum limit can be installed only up to 60,000 rubles.
On general conditions the client will receive a credit card with an annual rate of 34.9%, but if the card was issued according to a preliminary offer or the client belongs to one of the categories:
- employees of Promsvyazbank;
- participants in the salary project;
- employees of partner-bank organizations,
a reduced rate of 29.9% will be applied.
"A world without borders"
The very name "World without Borders" translates the purpose of the map - it for travelers.
The product was launched in September 2017 at an annual rate of 29.9%. The grace period is standard for Promsvyazbank - 55 days. The limit is the same as for the Supercard - up to 600,000 rubles. Annual maintenance costs RUB 1,990. and 999 rubles. for additional.
The card has collected all the advantages of its fellows and "threatens" to become a new star in the credit market.
The product was created specifically for travel lovers, so the bank provides the main bonus - free insurance covering losses up to 50,000 Euros. A pleasant addition was the absence of restrictions when choosing a hotel or tickets.
Bank returns money
Bonus points system ( cash back) adapts to your needs. Bonuses are accrued in “miles”, 1 mile is equal to 1 ruble. The client himself can choose for which category of purchases he wants to return money from the following list:
- buying plane tickets;
- booking a hotel;
- payment for railway tickets;
- payment for a tour or cruise;
- car rent.
The bank charges 3% cash back on any purchases abroad and expenses directly related to travel, and 1.5% for all other purchases.
Until the end of 2017, there is a special offer: 10% refund for purchases at gas stations.
Card for increasing funds
The "World without Borders" also has a debit version: all the advantages of a credit card apply to it. When the plastic is released, 500 welcome miles are credited to the bonus account, and the bank credits up to 5% monthly to the positive balance of funds. It is beneficial for the client not only to constantly use it, but also to keep funds on it in order to make a profit.
The card line "World without Borders" is a permanent participant of the "World of PSB Discounts" campaign and holders can count on a discount of up to 40% by paying in partner stores of the bank. Detailed information you can find out about discounts on the official website of the bank or at the nearest office.
The technical side of the issue
We figured out what advantages each of the three cards has, now it is worth taking into account that they are intended to perform cashless payments.
The table contains excerpts from tariffs for all three cards.
| Operation type | A world without borders | Supercard | Platinum |
|---|---|---|---|
| If the card was issued in 1 day. You can pick up the card only in Moscow. | RUB 350 | RUB 1,300 | RUB 350 |
| If a reissue was made before the expiration date | RUB 500 | RUB 1,300 | RUB 350 |
| For applying an individual design | 333 r | ||
| Monthly payment for SMS notifications | 69 rbl. | ||
| Cashing out at ATMs of Promsvyazbank and third-party banks | 1.5% of the amount (min 150 rubles) | ||
| If the withdrawal limit is exceeded | + 2% for the excess amount | ||
| Cashless payment in favor of the budget of the Russian Federation | Is free | ||
| Transfers to the card for individuals, legal entities and individual entrepreneurs through PSB-Retail (Promsvyazbank Internet Bank) | 4.9% of total amount(min RUB 299) | ||
| Transfers to the card to individuals, legal entities and individual entrepreneurs through ATMs and Internet services of third-party banks | 4.9% of the total amount (min 299 rubles) + commission of a third-party bank | ||
| Commission for converting currency into anything other than the dollar and euro | 1.99% of the transaction amount | ||
| The commission for crediting to the account is more than 150,000 rubles. | 1% of the excess amount | ||
| Internet bank | Is free | ||
| Find out the balance of credit at any ATM | RUB 15 | ||
| Add the card to the international Stop List for 2 weeks (upon application) | RUB 1,500 | ||
| Commission for urgent cash withdrawal in case of card loss in a foreign country | RUB 5 800 | ||
| Fee for the provision of a temporary card in case of its loss outside the country | RUB 8,300 | ||
You should also take into account the peculiarities of the grace period - it applies only to non-cash transactions, and when withdrawing funds, it is suspended.
Requirements for clients and documents
Only a citizen can receive a Promsvyazbank credit card Russian Federation working for at least one year. A potential client of the bank must have in the region the location of the branch (all at once or one thing):
- permanent registration;
- actual place of residence;
- permanent official work.
At the time of filing the application, the bank's client must be in the established age range from 21 to 63 years old and provide at least 2 contact phone numbers when filling out the questionnaire. It is imperative that one of them be mobile.
In Promsvyazbank, you can apply for a credit card without income certificates. Clients are offered a choice of several options for confirming their solvency.
Let's start with the simplest and most accessible types of documents for officially working citizens:
- 2-NDFL certificate;
- certificate of accrued wages for the last month, according to the employer's form;
- an extract from the salary account showing the amounts of funds received for the last 6 months: in a third-party bank or in Promsvyazbank.
If for some reason you do not want to show your income or receiving documents is associated with insoluble problems, the bank has come up with other methods, but they are not suitable for everyone. As a confirmation of your solvency, you can provide:
- a passport with a mark of visiting any of the foreign countries (except for the former in the CIS) for the last half of the year;
- certificate of registration of a domestic car or motorcycle of a foreign manufacturer (provided that vehicles not older than 5 years), foreign cars (not older than 7 years),
- a deposit in Promsvyazbank for an amount not less than the one desired by the client credit limit.
How to get a card
You can issue a card by contacting one of the bank's divisions purposefully or by calling the call center. But the easiest way is to use the online application form (read how to do this).
After filling out and sending the application, the loan officer will contact you by phone and ask additional questions. He will call you again to inform you of the preliminary decision of the bank, if it is positive, go to the nearest branch with all the documents specified during registration.
Bonus points accrual system
Promsvyazbank has developed a very interesting incentive program. Its essence lies in a three-tier point system, which gives customers the opportunity to independently increase the bonus percentage.
For every 15 rubles spent from the card, the bank credits 1 point. And then it multiplies the points by the coefficient corresponding to the client's level.
Automatically, with the beginning of each new month (the third day at 00.00 Moscow time), the client is assigned a gold level. Purchases up to 25,000 rubles. per month keep the client in this position, and the coefficient here is equal to one, which means: no additional points. How much is spent - so much is accrued.
Purchases from 25,001 to 50,000 rubles. will bring the client to the platinum level per month. Here the coefficient is already 1.3. In this case, at least 5 transactions must be performed per month.
When making purchases in the amount of 50,001 rubles. per month, the client receives the "priority" status and the maximum possible coefficient is 1.4. However, during this period, at least 10 transactions must be performed.
How to use points
You can spend points on:
- exchange for cash;
- discounts on transactions in the Internet bank;
- payment of Promsvyazbank's commissions;
- charity;
- gifts to friends and family.
You can exchange points for cash if you have accumulated at least 50,000. At the same time, you need to act quickly - points are stored for only 12 months, and then they start to expire. For every 10,000 points, you can get 750 rubles. into the account.
Additional bonus points assigned:
- when the card is issued (does not apply to the Supercard, points are credited after the annual service has been written off, but the Supercard does not have it) + 100 welcome points;
- opening a deposit in Promsvyazbank + 30 points;
- purchase insurance policy+ 30 points;
- activation of the SMS notification service on the card + 50 points.
There are also such operations for which the accrual of bonuses is not provided:
- payments on the Internet in the amount of less than 10,000 rubles;
- the recipient of the payment is not a partner of the bank's bonus program;
- the product does not participate in PSBonus.
Offers from Promsvyazbank meet all the requirements of modern users to credit products... Together with the card, you get a long interest-free period, bonus system incentives, not to mention the various special benefits, like the "World without Borders" line.
A bank card is a modern way to shop around the world. There is no need to exchange money for local currency, as the conversion takes place instantly on any transaction. In addition, it is a fairly convenient and safe way to store funds. Protection systems are integrated into plastic cards, allowing you not to worry about the balance of money on the account. In addition, various discounts from bank partners, bonus programs, cashback, grace period and much more. Today our review includes a Promsvyazbank credit card.
"PSB Planet"
Promsvyazbank offers several credit card options. One of these options is the PSB Planet card. The product is aimed at the category of traveling citizens or businessmen, since bonuses in the form of miles will be credited for paying for goods by card. When calculating 2.5 miles for every 100 rubles spent. Moreover, it will be possible to redeem miles not only for the purchase of air tickets, but also for booking a room, renting a car, paying for a tour, and more.
The credit limit for such a card does not exceed 600,000 rubles. Which may be a little small for a business category. But it makes up for free service cards. And also free cash withdrawals abroad.
In addition, in banking product includes an insurance service for those traveling abroad. With insurance coverage of 50,000 euros. The annual interest rate is the same for cash and non-cash payments and is 25.9%.
At the same time, the grace period also applies to any type of transaction. It reaches up to 55 days. You can apply for a Promsvyazbank credit card online through the company's website.
Platinum
Has Promsvyazbank credit cards and a slightly different nature. These are Platinum cards. Their distinctive feature is the availability of an annual service of 590 rubles. Moreover, for each additional card you will need to pay extra 290 rubles on an annual basis.
For 333 rubles, you can apply for a credit card with your own design. That is, the design of the plastic will completely depend on you. The rest of the loan conditions are fairly standard for Promsvyazbank.
Interest rate slightly higher than that of PSB Planet - 29.9%. At the same time, the grace period is the same - it can be up to fifty-five days. Monthly payment is formed based on the amount of the principal debt to the bank and is 5% of the amount of the current debt.
There is no possibility to withdraw cash without commission. You will have to pay 1.5%, but at least 150 rubles in commission. And it makes no difference to shoot in own ATM or technical devices of third-party banks.
For exceeding the daily / monthly limit, the commission increases to 2%. Additionally, SMS-informing service can be connected at a cost of 69 rubles. But a credit card can not only bring expenses, it can also be used profitably. This banking company has a wide network of partners, and therefore a competent system of bonus rewards. Get Platinum and get all kinds of discounts and bonuses from Promsvyazbank.
"Supercard"
One of the most interesting offers from this banking organization is Supercard. Its main feature is that the very first grace period reaches 145 days. That is, from the moment of registration until the moment when it will be necessary to return the entire debt, while not paying interest, it can take more than 4 months.
Another condition that can make the use of the card profitable is maintaining a certain level of spending on the card. The point is that if every month you make purchases for an amount that exceeds 30,000 rubles, then you will not have to pay anything for servicing the card in the current month.
At the same time, if the amount spent per month during the year was less than 30,000 rubles, then you will have to pay a service fee of 1,500 rubles. This commission is charged only once a year.
Credit card conditions do not differ much from other Promsvyazbank cards. The maximum amount is up to 600,000 rubles. Interest rate 29.9% per annum. After the first major grace period expires, the normal grace period of 55 days takes effect.
You will need to pay for your purchases no later than the 25th day of the month following the month when the spending occurred. That is, for example, on July 1, 10, 20 and 27, transactions were made on the card. The amount for the implementation of the grace period must be paid before August 25.
Thus, credit funds can be used without interest. It is also worth noting that the grace period applies to cash and non-cash payments.
This card is platinum. Accordingly, the holders of such cards will be able to enjoy all the privileges provided by the lending program. And also a well-thought-out system of bonuses and discounts will be a pleasant addition. Having accumulated 50,000 bonuses, they can be exchanged for real 5,000 rubles.
Although cash falls under the grace period, it is still not recommended to withdraw it. Since the withdrawal fee is 4.9%, but at least 299 rubles. That is, this is a one-time payment that will be debited every time you try to withdraw cash. It doesn't matter through their own ATMs or ATMs of third-party banks.
The rest of the conditions are no different from other cards. We recommend that you familiarize yourself with the detailed current tariffs on the bank's website.
Client requirements
The bank cooperates with clients whose age ranges from 21 to 63 years old at the time of writing the application. Another prerequisite is the total length of service, which must be more than one year.
The bank issues cards only to those citizens whose registration is issued in the same region where there is a representative office (additional office) of the bank. And also you need to banking company transmit two phone numbers, one of which must be cellular.
If this amount of the credit limit does not suit you, then banking organization will decide the issue of extradition credit card up to 3 business days. Then you will be invited to the office to complete the transaction.
To the list mandatory documents includes:
- client's passport;
- A completed application form. Either from the website or in the office, you can fill out such a questionnaire;
- SNILS number.
In order to qualify for a high credit limit, you will need to prove your income. This can be done with any of the following documents:
- certificate from accounting in the form of 2-NDFL. Or a certificate from the employer in the form of the employer indicating income;
- an account statement certified by the bank, which is received on a monthly basis cash not in less volume than indicated in the questionnaire in the column "Income";
- a passport, in which there is a mark from the border service, for the last 6 months, about staying in another country. At the same time, the list of countries does not include the CIS countries;
- registration certificate movable property(car or motorcycle). If it is a domestic car or motorcycle of any production, then their age should be no more than 5 years. The age of a foreign car can reach up to 7 years.
A card in Promsvyazbank is available to a large number of people. Moreover, if a client claims for an amount of less than 100,000 rubles, then you can simply make an online application, and then immediately receive your cherished plastic in the office.
Promsvyazbank is a large universal financial company that has been providing services to Russian citizens for over 20 years. We will define the conditions for the Promsvyazbank credit card. Let's compare the indicators of the main criteria, and also identify the distinctive features of the proposals:
The page of the company's official website will also help to determine which Promsvyazbank credit card meets the needs of the client. In this case, the user just needs to mark the desired factor in the list of advantages. Possession by plastic card may differ:
- Inexpensive service;
- High cashback;
- A long period of interest-free use of funds;
- The availability of bonus programs designed for travelers;
- Large loan amount.
For example, a Promsvyazbank credit card with a grace period of more than 100 days is available to customers.
Recipient requirements
A citizen of the Russian Federation with permanent registration within the country has the right to issue a credit card at Promsvyazbank. The company also has other requirements for the borrower:
- The age of the applicant is limited to 21 - 63 years old, at the time of registration of the financial product;
- The place of residence, work or registration address must be within the region of the bank branch where the client applied;
- Possession of at least 2 contact numbers. At the same time, at least one must be mobile.
Also, the work experience of the applicant must correspond to an indicator of 1 year or more.
Required documents
A credit card in the PSB with a limit of up to 100 thousand rubles is issued if you only have a passport of a citizen of Russia. It is enough for the applicant to fill out an application form. To order a loan financial instrument for an amount over 100 thousand rubles, you will need a document confirming the availability stable income(according to the 2NDFL form).
Online card order
You can order a credit card without leaving your home. Online application to a credit card of Promsvyazbank is submitted through the official website of the company. It is enough for the client:
- Select the loan product you are interested in.
- Fill in electronic form questionnaires.
- Receive a response from the bank in an SMS message.
The courier will deliver the card to the specified address free of charge. The owner will have to activate it with mobile application or online banking. The maximum amount of the borrowed amount, when placing an online order, is 100 thousand rubles. Visiting the branch financial company, the client has the right to receive up to 600 thousand on credit.
