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Bank SinaraCredit Europe Bank "URBAN CARD" installment card
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Articles about installment cards
About the card
Online application for the Credit Europe Bank installment card
For any occasion when you need to make a purchase, you don't necessarily have to borrow money from relatives. In this case, the Credit Europe Bank installment card will help you, allowing you to get a banking product for up to 600,000 rubles and pay no interest for 12 months. This is better than borrowing money from acquaintances and relatives with a guilty conscience. Depending on the product category, the installment card from CEB is valid from 2 to 12 months.
Terms of use for the Credit Europe Bank installment card
How the CEB (Credit Europe Bank) installment card is better than similar banking products. Here, three important points are worth highlighting:
- If you want to buy an item for 15,000 rubles, you return the exact same amount to the bank without any interest rate applied, provided the lending terms are met.
- The mandatory payment is made only once a month and always in equal installments.
- The minimum installment period is 2 months for certain product categories, and the maximum is 12 months.
Purchasing in installments allows the owner of the banking product to enjoy favorable lending terms for 2 to 12 months. According to reviews of the Credit Europe Bank installment card, the offer is valid with many bank partners that provide the best lending terms. Even if you fail to make the mandatory payment on time, standard lending rules come into effect upon the expiration of the installment period, with an interest rate of 25% per annum. If you also fail to meet the minimum payment requirements here, the bank begins to manage your loan, incurring a debt liability of 59.9% per annum.
According to the terms of the CEB installment card, the fixed date for the mandatory installment payment is the 25th day from the date of the previous statement generation. The mandatory minimum payment is 2% excluding payments on the generated debt.
- For late payment of the debt, 20% per annum is charged on the amount of the debt and unfulfilled obligations.
- If there is an unfulfilled obligation to pay commissions, their full multiple amount is charged, multiplied by the mandatory payment periods, i.e., for the periods when the commission was not deposited into the card account.
- If an overlimit default is allowed, a penalty of 0.3% per day is applied to the generated debt amount.
The grace period for the card is set at 55 days.
Cashback on the Card Credit Plus installment card
A large group of partners for the Credit Europe Bank installment card allows you to make purchases both during the grace period and at any time while using credit funds, with cashback awarded in the form of points up to a maximum of 5,000 points per reporting period:
- 5% cashback is awarded in the categories: Clothing, Public Catering (restaurants, cafes, fast food), Entertainment Industry (cinema, billiards, bowling), Beauty Industry (SPA salons, hair salons, perfumes, cosmetics).
- 1% cashback for all other categories.
In addition, holders of the Card Credit Plus banking product automatically become participants in Mastercard's Priceless Cities program, where they can receive discounts and special offers while traveling the world (hotels, carsharing, entertainment, transport tickets, etc.).
Terms
Recipients of the banking product can only be Russian citizens with a work experience of at least 4 months at their current place of employment.
- Permanent registration in one of the regions of the Russian Federation is required (preferably in the region where the Credit Europe Bank office is located).
- Russian citizenship.
- Borrower age: 18 years or older.
- Must have permanent employment for over 3 months.
- Total work experience: over 4 months.
- A mobile phone number is required.
- It is necessary to provide phone numbers of relatives or acquaintances in the application (at least 3, work phone numbers are acceptable).
- Income confirmation is required when applying for a loan exceeding 350,000 RUB.
Having registration in the region of the bank office location increases the chances of application approval.
- Age: 18 years and older.
- Citizenship: Russian Federation.
- Registration: permanent within the service territory of the Russian Federation.
- Mobile phone: required.
- Additional phone: relatives, acquaintances, work.
- Employment: mandatory.
- Work experience: at least 4 months at the last place of employment.
- Identity document: Russian citizen passport.
The financial services comparison service invites you to apply for the Credit Europe Bank Card Credit Plus installment card, where you can get a favorable credit line of up to 600,000 RUB and cashback up to 5%. We recommend following these service tips:
- Review the service offer, click the "Apply for Card" button.
- Follow the link to the official website of Credit Europe Bank and submit an application by filling out the form.
- Provide your contact details in a simple form (you also need to enter a phone number and contact information).
- After the application is approved, you will receive an SMS notification or a bank representative will call you. You need to visit the bank office and pick up the instant card on the day of approval.
To check the account status, subscribe to the SMS-info service for 59 RUB (charged once a month). In addition, you can check the account in the following way:
- Install the mobile application and receive reports on your gadget screen.
- At the bank branch with an operator.
- At an ATM by ordering an extended statement.
- In the online banking personal account.
Information about the initial pre-approved credit amount will be available to you after a call from a bank manager. The exact amount of the credit line will be announced at the office when signing the agreement.
If you make no overdue payments for 3 months, the bank may unilaterally increase the credit line amount, but to no more than 600,000 RUB.
The card reissue service at the borrower's initiative costs 300 RUB, in other cases it is free of charge.
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Answers to questions
I submitted an application, how long should I wait for its review?
As a rule, the application is reviewed within 1 minute, sometimes it may take up to 24 hours to clarify the information you provided.
How will I know the decision on the card?
A bank representative will call you or you will receive an SMS notification.
Where can I pick up the card after my application is approved?
The card is issued instantly right at the bank branch.
How do I properly activate a banking product?
Upon receiving the card, activation takes place directly at the credit institution's branch.
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