Credit card refinancing at Alfa-Bank

At this credit organization, you can apply for credit card refinancing in the amount of 500,000 to 30,000,000 RUB. The service is available for a term of 1 to 15 years.

Alfa-Bank determines the interest rate for each client individually. At the same time, the minimum overpayment cannot be less than 22.9% per annum, and the maximum cannot exceed 24.9% per annum.

At Alfa-Bank, you can get money not only for credit card refinancing, but also for your personal needs. The main condition is that the total loan amount does not exceed 30,000,000 RUB. 

You can refinance more than one credit card—the maximum number of credit cards is 5.

At Alfa-Bank, as in any other financial institution, early full or partial repayment of the loan is possible. This means you can make partial payments or pay off the entire amount required to close the debt at once.

You can make early payments in three ways: via online banking, the mobile app, or at a bank branch. However, in all cases, you must notify the financial institution of your intentions in advance to make an early repayment.

A penalty is charged for overdue monthly loan payments. Even for the most minor violations of the loan agreement terms, Alfa-Bank charges a penalty of 0.1% per day on the overdue amount. In addition, the lender is required to report the delinquency to the Credit History Bureau. 

Do not forget that even the slightest delay can negatively impact your credit history and cause loan applications to be rejected in the future.

Alfa-Bank does not impose strict requirements on its borrowers. To apply for refinancing, you must meet the following criteria:

• have Russian citizenship;
• be at least 21 years old;
• have a work experience at your current job from 3 months.

As for documents, only a Russian internal passport is required to apply for refinancing. However, if you have a poor credit history or are requesting a very large amount, you can provide income and employment verification certificates to increase the likelihood of a positive decision.

To get more favorable refinancing terms, you can provide collateral to the bank. The following can be used as collateral property:

• apartment;

• apartments;

• parking space;

• commercial real estate.

At the same time, the collateral must be free from restrictions, encumbrances, legal claims, court demands, and claims for seizure of the property.

Alfa-Bank credits the loan funds to a bank card account. You need to repay the debt to other creditors on your own.

Monthly loan payments are deducted automatically from the bank card to which the borrowed funds were transferred. However, you can top up the card in any convenient way:

• by transfer between your own accounts opened at Alfa-Bank;
• by transfer from cards of other banks;
• in cash through Alfa-Bank ATMs;
• in cash through ATMs of other banks;
• in cash through Alfa-Bank cash desks.

Abbreviated name: JSC “Alfa-Bank”

Tax ID (INN): 7728168971

BIC: 044525593

KPP: 770801001

Correspondent account: 30101810200000000593

OGRN: 1027700067328