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Credit Europe BankUralsib 120 Days Maximum Credit Card
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Articles about credit cards
About the card
“120 Days to the Maximum” is a popular credit card from Uralsib. The bank provides holders with quite favorable maintenance terms: a large credit limit, an extended grace period, and free use subject to simple conditions.
Terms
Issuance of the main card, as well as its reissue regardless of the reason, is always free. Maintenance of the first card is similarly free. When issuing an additional card, the borrower will need to pay 149 RUB per month. They can avoid the card maintenance fee by making purchases totaling 10,000 RUB or more per month.
The credit limit on the card is up to 1.5 million RUB. The bank determines it for each borrower on an individual basis.
The grace period for the “120 Days to the Maximum” credit card is up to 120 days. It applies to any purchases and payment for services.
The minimum monthly payment on the credit card is no more than 3% of the debt amount, but not less than 300 RUB. It needs to be paid to maintain the grace period and to avoid overdue debt.
The bank does not accrue interest on purchases made within the grace period. Outside the interest-free period, Uralsib charges:
- from 19.9% to 69.9% per annum on purchases;
- 69.9% per annum on cash withdrawals and transfers.
If the minimum payment is overdue, the bank charges a penalty. The penalty amount is 0.05% per day of the overdue debt amount.
Uralsib does not charge a fee for cash withdrawals, transfers, and equivalent operations.
The bank does not accrue cashback for purchases.
Borrowers who meet the following requirements can get the “Vse chto nado” credit card:
- are citizens of the Russian Federation;
- have permanent registration within the territory of the Russian Federation;
- aged from 20 years at the time of credit application and up to 67 years at the time of the expected end date of the credit agreement;
- have continuous work experience at their current job for at least 3 months;
- have a regular income of at least 10,000 RUB per month after taxes for Moscow and at least 7,000 RUB per month for other regions of Russia.
To get a credit card, you only need to provide a Russian internal passport. If necessary, the bank may request additional documents confirming income and employment.
How to apply
You can apply for a credit card in two ways: at a Uralsib branch and on the bank's website. In the first case, the borrower needs to visit the company's office during business hours with all the necessary documents. To apply online, go to the credit card application page and click the "Get Card" button.
On the open page, the borrower needs to enter their last name, first name, and patronymic, mobile phone number, email address, and date of birth. You also need to check the box and click the "Continue" or "Fill out via Gosuslugi" button.
Next, the future cardholder will need to enter the confirmation code from the SMS message. Then, if the borrower chose "Continue", they need to enter the address and date for courier card delivery and click the "Next Step" button.
Next, the user needs to enter their passport details and registration address and click the "Next Step" button.
Finally, the future cardholder needs to provide income and employment information and click the "Submit Application" button.
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