Reviews

Editorial auto-review: The "180 days without %" credit card from Sovcombank is a classic card with a long grace period. You can use borrowed funds without interest for up to 180 days, which is convenient for large purchases or planned expenses. The credit limit reaches 300,000 RUB, and the interest rate after the grace period is 39.9% per annum. Card maintenance is free, and free cash withdrawals are also provided. Validity period: 3 years. The decision on the application is made quickly, starting from 5 minutes. Cashback is not accrued on the card, which is worth considering when choosing. The product is suitable for those who value a long grace period and do not need a bonus program.

Editorial auto-review: Education Loan from Pochta Bank is a targeted program for financing studies. Applications can be submitted from the age of 18, the loan term reaches up to 7 years, and the amount ranges from 10,000 to 6,000,000 RUB. The rate stated by the bank starts from 11.9% per annum. A decision on the application is made in approximately 15 minutes, which is convenient when facing tight deadlines for paying tuition fees. It is important to keep in mind that the final terms depend on the borrower's individual creditworthiness, the amount, and the chosen term. The product is positioned as a tool for investing in education, but before applying, one should carefully review the full cost of the loan and the repayment schedule.

Editorial auto-review: The "180 Days Without Interest PLUS" credit card from Sovcombank is a classic financial instrument with a grace period of up to 180 days. Key features of the product include no annual maintenance fee and the ability to earn up to 10% cashback through bonus programs. The maximum credit limit is 300,000 RUB, and the interest rate is 39.9% per annum. The card is issued for a term of 3 years. The bank makes a decision on the application in a short time frame — starting from 5 minutes. The product is aimed at users who plan to make large purchases with an extended payment installment plan without overpayments.

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I received a disability pension of 15 thousand on the VTB Life Card, a VTB card for pensioners, for about 1 year until 11.2024. Suddenly, without warning, calls, or SMS, they blocked it twice - you cannot transfer money, the online bank says "account is blocked," everything is unavailable, you call the 1000 hotline and operators are busy, then go to the office to unblock. Unblocking via the 1000 phone line, biometrics, code word, or ATM (as is done in other banks, for example, in one major bank a bot unblocked me over the phone) is impossible, you only have to go to the office, where they unblocked my card in 30 minutes. They don't call or send SMS about suspicion. You only find out about the block after the fact, and this is despite the fact that I only kept pension money up to 70 thousand and occasionally transferred via the Faster Payments System, and I am 33 years old, meaning there were no grounds for blocking, no millions or suspicious transactions. They promised 7% on the balance - they didn't accrue any 7% on the account balance, which was the reason I got the VTB Pension Card in the first place. Boorish attitude of the bank towards clients, staff in the office arrive late as they please, slow, few offices. I transferred my money and pension payouts to another bank. Never stepping foot in this one with such an attitude.

I recently took out a cash loan here with Renaissance Bank. I needed money urgently, and the terms turned out to be quite favorable. The interest rate is certainly not the lowest, but the loan terms are quite acceptable. The whole process didn't take as long as I feared. Overall, I don't regret applying here. I think if I need to, I'll turn to Renaissance Bank again next time.

I applied for the 1-year interest-free card at Alfa-Bank. Bank employee Ekaterina said that I could withdraw cash and there would be no interest for a whole year. In fact, interest was charged on the credit card at 69.99%. And yesterday, the same employee told me, "No..., I didn't tell you that!" ))))) I do not recommend this bank! Con artists and thieves!

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!

Got Halva, so far satisfied. Everything is simple, it even helps with installment payments for taxes. The online bank is convenient, everything is always visible: balance, statements. Money refunds without problems. I recommend it!

Got myself an MTS CASHBACK Digital card. Thought it would be difficult, but everything is simple and fast. Delighted with the customer service - always in touch, helping to resolve issues. Plus, a nice bonus - interest on the account balance and a good loyalty program. Recommended!

I have been using Metallinvestbank for about a year. During this time, there haven't been any critical problems with the bank. The app has changed for the better over the year; you can see they are working on it.

I have been using the Pochta Bank card for six months already. It is convenient that you can immediately transfer money from card to card, and the commissions are minimal. Online banking works without failures, and all payments go through quickly. I am especially pleased with the cashback and loyalty programs!

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.

I got the card for shopping on Ali, everything seemed fine. The application processing time is simply ideal, a little over a week and the card was in my hands. But problems with card maintenance started; any balance operation via online banking became a real pain. Statements arrive with a delay, and sometimes I have to call support to clarify information. The maintenance fees are acceptable, but the cashback leaves much to be desired. Plus, the card validity period is only 2 years, which is a bit short.

I took out a loan to buy a new car. Honestly, I didn't expect such speed and quality of service. The paperwork was done in less than an hour, without unnecessary questions. I chose a 2-year loan term, clear payments, with no hidden fees.