Credit Card
Credit cards of the Bank Evropeisky make accessible any, even the most unexpected purchases. Thanks to a long renewed grace period, you can use credit card funds free of charge till 61 days.
It is much more convenient, than to spend time on consumer credit registration.
How does the credit card work?
The mechanism of the credit card work is simple: when you do shopping, pay off for services or withdraw cash by means of the credit card, the accessible limit of funds decreases for the spent amount. At the card replenishment the indebtedness is repaid automatically, the limit of funds is restored, and you can use it.
Free SMS informing about operations on the card will allow you to control and optimize your expenses.
What is the grace period?
The grace period is the sum of days from the moment of purchase about the penultimate working day of the next month. It operates under the condition of full repayment of indebtedness during the first payment period following after month of reflection of operation under the account. We pay your attention, to operations of cash withdraw of cash the grace period does not extend.
The Bank Evropeisky offers credit cards MasterCard Standard or MasterCard Gold.
Credit card currency: roubles of the Russian Federation.
Interest rates:
Under credit card MasterCard Standard – 25% annual,
Under credit card MasterCard Gold – 24% annual.
It is important that the commission for annual service of the credit card is not charged.
How to use the credit card possibilities to the maximum?
Variant 1. To make purchase with use of the card and to pay off all sum of indebtedness till the end of the first payment period following after the accounting month. The crediting grace period in this case operates, and you use credit card funds free of charge.
For example, on July, 5th you have paid purchase with the card on 10000 roubles. For August, 1st your indebtednessunder the credit will make 10000 roubles. Till the penultimate working day of August you deposit all sum of indebtednessto the card account — 10000 roubles, and interest for using of credit funds spent in July, are not charged.
Variant 2. To make purchase with use of the card and to pay off indebtedness partially. In this case till the end of the first payment period following after the accounting month, it is necessary to deposit to the account the sum of obligatory payment and the charged interest. Obligatory payment makes 10% of indebtedness sum (without defaulted indebtedness), not less than 800 roubles, but no more the indebtedness sum.
For example, on July, 5th you have paid purchase with the card on 10000 roubles. For August, 1st your indebtednessunder the credit will make 10000 roubles. It is necessary for you to deposit to the account of the card not less than 1000 roubles (10% from indebtednesstotal sum). Next month your general indebtednessfor September, 1st will make 9000 roubles. Obligatory payment which you should deposit to the account of the card till the penultimate working day of September, will make 900 roubles and the interest charged for all term of using of credit funds (since July) for all sum of the used credit funds because you have not used the grace period.
