Credit cards

Перед оформлением было много сравнений, в итоге больше всего устроил «Кредитная карта 180 дней без % ПЛЮС от Совкомбанка». Понравилось, что условия не меняются задним числом и все прописано в договоре. Насторожило изменение ставки при просрочке — этот пункт стоит читать внимательно. В остальном ожидания совпали.

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I used the Card of Opportunities from VTB to buy home appliances on credit. The terms were very favorable, with a lower interest rate than competitors. The issuance was fast and hassle-free. It's convenient to track expenses and loan payments through the app. I recommend it!

I applied for a card at OTP, 120 days 0%, seems pretty good. But! The application was reviewed for a long time, lucky it got approved. Card maintenance costs money, but the cashback is decent, I use it often. Online banking is convenient, everything is in sight: balance, statements. But the card limits are a bit small.

Got a Platinum card at Russky Standard. Seems alright, the credit limit is quite large which is good, but the interest rates are out of this world, of course. Overall, it's a normal option for those who know how to count money and control their balance, but if not, it's better to refrain. Credit history is tracked well, statements arrive on time. Connected it to mobile banking without any issues, so overall it's convenient. But I repeat, the interest rates for using the credit are very high.

Got a card at Renaissance, the terms looked attractive. The application was reviewed quickly, and I received the card in a week. They gave a normal limit, and everything is clear with the interest too. Online banking is convenient, all statements arrive on time. And the cashback is good, they constantly return a percentage of purchases. Overall, I'm as happy as a clam!

I used the "Card of Opportunities" credit card from VTB to buy home appliances. I liked that my credit history was not an obstacle. The loyalty program allowed me to accumulate bonuses and save on future purchases. Convenient and profitable!

I got a card and wanted to share my impressions. I've been using it for six months, and it's actually not bad. The card's validity period is long, which is pleasing. I often transfer money from card to card—no problems, no commission is charged. And most importantly—the cashback. It's true it's not on all purchases, but it's still nice. The only thing is that service in bank branches sometimes leaves much to be desired, but that's another story.

I applied for a card, everything was fast and hassle-free. Online banking is very convenient, I can always see my balance and statements. The credit limit suited me. And the cashback on purchases is just super!

I recently got a card from Russian Standard. The application was processed quite quickly, and the card arrived on time. Cashback works, and money is returned. Online banking is convenient; the balance is always at hand. The interest rates are a bit high, but it's fine if you pay on time. The card is valid for 3 years, and I set up autopayments without any issues. So far, I'm satisfied!

Generally a decent card: the application review times are quite reasonable, and the credit limit was also pleasing. And 120 days interest-free is super! But, damn, customer service is terribly annoying, they constantly miss things out of sight, unable to help properly. And the cashback is a bit small, I'd like more. On the bright side, auto-payments are convenient, no need to monitor payments yourself. Returning funds is also hassle-free, although a bit complicated. The card limits suit me.

Здраствуйте! Я вот недавно оформила себе кредитку ЛУКОЙЛ от Т-Банка. В общем-то, впечатления в основном позитивные. Понравилась программа лояльности: копишь балы, потом меняешь на топливо. Удобно. Кредитный лимит у меня не очень большой, но более чем достаточный для моих нужд. Все безналичные платежи проходят быстро, сбоев не заметила. Очень порадовал кэшбек на заправках ЛУКОЙЛ, приличная экономия получается. Заявку рассмотрели быстро, карту прислали в срок. Что касается процентов, то тут, конечно, как и везде, но если платить вовремя, то нормально. С онлайн-банкингом тоже все в порядке, баланс и выписки всегда под рукой. Но вот срок действия карты мне показался коротковат, всего 2 года. В целом, рекомендую.

I got the 120 Days to the Maximum credit card and here is what I will say... First, what is pleasing is the customer service. Everything is clear, fast, without unnecessary questions. All my requests and questions are resolved promptly. The card terms are also pleasing – the credit limit is sufficient, the interest rates are acceptable. It is very convenient that the card validity period is 120 days. Online banking works without a hitch, I always see the current balance and statements. It is convenient to make non-cash payments and card-to-card transfers. There are also auto-payments, which is very convenient for paying utility bills and other monthly expenses. The refund went smoothly, everything is fair and transparent. Cashback is also pleasing, albeit small, but nice. The application review time was minimal. In general, I am satisfied with the choice of this card and recommend it to my friends.

I signed up for Urban Card, expected more honestly. The card limit is not large, although my credit history is fine. Interest rates are average, not the lowest. Automatic payments work clearly, without problems. There is cashback, but not on all purchases, and I would like a broader loyalty program. Cashless payments go through quickly, which is a plus. They are silent about card-to-card transfers, I don't know if they exist or not. Application review times are fast, I received the card quickly. Card maintenance is also faultless.

I got the "60 Days Interest-Free" card from Alfa-Bank for major purchases. It's convenient that no interest is charged for 2 months. Fast processing, responsive managers. I recommend it!