Credit Card Bank Mail: user reviews

Credit Card Bank Post "Element 120" has a lot of advantages, and it can beto call universal. The credit card is quite simple to issue, and everyone can use the credit limit for different purposes, there are no restrictions. Terms of the card allow you to make purchases in the Internet, shops, pay with plastic in any shopping centers and withdraw cash from ATMs. Credit card terms "Element 120" The Bank's post, according to reviews, is not to everyone's liking. Some simply underestimate the fact that it allows you to use the granted limit for up to 120 days without paying interest.

Terms of registration of the card

There is no difficulty in making a loanBank's cards, customer testimonials testify to this. It is enough simply to fill out a special form on the banking portal, having spent 5 minutes on this procedure. The cost of the card is 900 rubles. Credit card reviews The Bank of Element 120 mail from people who issued it, say that a bank employee will offer a branch to the client's choice, which is closest to him, to receive a card.

What the client receives when drawing out the Element 120 card:

• Each borrower is granted a revolving credit limit, the size of which is from 10 to 500 thousand rubles.
• If all the requirements are met, 120 days of using the loan are free of charge.
• The card has additional protection for the security of purchases over the Internet.
• The annual interest rate on the loan is 27.9%.
• The monthly minimum payment must be at least 5% of the amount that was used, provided that the debt is partially repaid.
• The first year of using the card for the client is free of charge, each subsequent credit card service will have to be paid for 900 rubles.

Cash withdrawal through ATM is paid at the standard rate from the first day.

Requirements for the borrower and additional opportunities

Requirements to the borrower for obtaining a credit card The Bank of the Bank "Element 120", according to the staff, is quite simple, just necessary:

• Be at least 18 years old and have a passport.
• It is compulsory to have Russian citizenship and registration on the territory of Russia.
• Presence of SNILS.

Credit card The Bank of the Bank, the reviews we are considering, helps to save abroad, receive various discounts, interesting offers. The card has these additional features:

• All purchases that have been paid for by Element 120 card have insurance for 3 months from theft or various damages.
• The guarantee for the goods paid by this card increases exactly 2 times.
• Cardholders traveling in the medical direction are provided with assistance: delivery of medicines, search for the necessary specialist, delivery to the children's home.

It is necessary to connect SMS-informing and keep abreast of all news, shares, as well as receive timely information about the balance on the account.

Ways of applying

In order to apply for a credit card,you must either visit the office, or apply online. The second way is much easier, they can be used at any time. According to clients' opinions, the credit card of Bank of Bank "Element 120" will be issued very quickly. You need to go to the bank's website, to the main page. There you need to select the window where the "online application" is indicated. Then you need to perform simple actions:

• Fill in the form.
• Wait 5 minutes.
• Get information about the exact address where you can pick up the card.

As you can see, everything is simple and fast enough, you just need to want it.

How not to be deceived with a grace period

It is important for the recipients of the card to know that the preferentialthe period works only if cashless payments are made for different goods and services. Most people who leave negative feedback about the conditions of the Bank's Element 120 credit card, erroneously believe that it is only necessary to repay the debt in time for the grace period to function. In fact, this is not so.

Mandatory amounts for payments are made eachmonth on the date, which is the reporting period, determined by the number when the credit card was received. For this reason, even if the purchase is made one day before the reporting date on the card, in order to comply with the terms of the program, it is required to pay the mandatory amount on the day of payment. In this case, throughout the grace period, you can repay the debt without overpaying interest.

Features of using the card

After the client has received a credit card, he must comply with certain rules that relate to both the use of financial means and debt repayment:

• The payment must be made every month, it can be done not only personally, but also entrust to another person.
• The account is allowed to contribute any amount, not less than 5% of the total debt to the number, in which the funds are paid.
• A card account can be replenished with your funds. They can be paid both in cash and by transfer.

Mail Bank is a growing institution that is gaining popularity and will soon become very popular.

Reviews

Credit card Bank of the Bank "120 days", reviews of which say that it is in demand, has more positive ratings. Customers note the speed of registration and low requirements for its receipt. But some did not fully understand certain points, and consider the card unprofitable. In most people who have learned how to use the card in order not to overpay, like the fact that it has such a long grace period. For 4 months you can not pay extra interest, and it is very convenient.

In addition, customers note the conveniencemobile application and a large number of ATMs. It is comfortable when you need to urgently withdraw cash. Another big plus is that by submitting an application for a credit card to the Bank of Bank "Element 120", you can be sure that it is likely to be approved. The percentage of refusals is very low, and the card can be issued by young people who are barely 18 years old. The main advantage of this card is the renewable credit limit and the longest grace period for today in comparison with the rates of credit cards of other banks of the Russian Federation.