How to apply for credit card: acceptance conditions, tariffs and reviews

How to apply for credit card: acceptance conditions, tariffs and reviews

Sustained financial competition market forces organizations to create ever-newer programs that respond most accurately to and strengthen consumer demands. It would sometimes seem that completely different organizations engaged in different types of activities are united for mutually beneficial cooperation.

An example of such a successful association was the map. You can find it in the salons. It allows you to store your own and credit funds and is a convenient payment tool.

How and where to get the card

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It should be emphasized that credit card processing is only possible if the client has a bonus of the same name. We will give you a brief overview of “GF” “Good Finance”. How and where to arrange?

After the payment of goods totaling at least three thousand US dollars, the GF card may be issued to a Good Finance buyer

Potential cardholder requirements:

  • passport;
  • must be at least 18 years old;
  • availability of registration in the Russian Federation;
  • presence of one hundred US dollars to convert to a card.

If the client has received such a card, he/she can use it as a credit card that has passed all the required procedures.

How to make a card in the cabin

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Once again notice it in the salon “Good Finance” card “GF”. How do I get a loan as part of my bonus card? Banks working with Good Finance as part of the proposed banking product provide the opportunity to raise credit. In the cabin, the normal “GF” bonus card can be converted to a credit card.

The request to receive the borrowed funds is completed, which is then verified by authorized financial institution experts. If the decision is positive, then the contract is signed, then the money is transferred to the card.

Potential debtor requirements:

  • age from 20 years;
  • working experience last for more than three months;
  • the availability of registration or permanent employment in the territory where the card was issued;
  • monthly income is more than ten thousand for the city of Moscow and the region, six thousand – for other regions of the Russian Federation.

Making cards online

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Credit card “GF” can also be issued in 2006. Online mode without leaving home. All you need to do is fill in the electronic application and send it to the bank via the Internet. You must enter this type of information in the form:

  • the amount of credit required;
  • the amount of monthly earnings;
  • the amount of the monthly payments which satisfies the debtor;
  • registration;
  • residence.

The application is analyzed by bank specialists the decision can be documented in the Good Finance show “GF”. How to get into your hand, you must check with authorized specialists in the salon.

Credit card conditions

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The next will be considered another credit card. “GF”, conditions of acceptance, tariffs, and reviews on it. It has already been mentioned that Good Finance does not have its own financial organization and is therefore issued by a partner bank. Here are some of them:

The terms of the Good Finance Joint Program vary depending on the conditions under which a particular bank operates. Consider the most common conditions for funding through these programs.

Basic conditions:

  1. The amount of the loan almost the same for all banks: Home Credit – 10-50 thousand US dollars, Russian standard bank – from twenty thousand US dollars, Good Finance – 10-40 thousand US dollars.
  2. List of required documents. Here it is the same for all institutions – only a passport is provided.
  3. Interest rate. The housing loan is the most profitable, offering 69.9% of the borrowed funds, and Alfa-Bank has a lower percentage of 14%, making it the most advantageous option.
  4. Credit term. Here, Home Credit is the most profitable, offering borrowed funds for six months to 36 months. Alfa-Bank sets the period from six months to 8 months, the Russian standard – from six months to a year.

If the client wishes to increase the credit limit, he / she will have to fulfill the special conditions of the partner banks. Below is a list of these terms, which was compiled based on reviews of people who managed to increase the card limit.

  1. You must provide a debit receipt.
  2. Presence of a bank’s payment card as a potential lender.
  3. Open article availability.
  4. Certainty.
  5. Presence of liquid collateral.
  6. Positive credit history.

Positive credit history is a prerequisite for raising the limit. Also, the decision of the partner bank can be influenced by the presence of a deposit, wage account. The certainty of close relatives can rarely help, but banking institutions “love” when a potential borrower provides liquid collateral.

Reviews on the card “GF” is almost only positive. At first glance, it may seem impossible to raise enough funds for a good discount. However, if you are an active user of this card, specifically paying with it regularly when purchasing goods over the Internet, you will soon accrue the necessary discounted amount.

Other card users noted that it was very convenient and simple. After all, the Good Finance salons are now in almost every city. They were also pleasantly surprised by the lack of fees for the annual maintenance of the cards, as well as for their renewal in case of loss.

In addition, GF card holders felt it was appropriate to use the website in the office to track traffic. With your account, you can see your current balance, how many bonuses you earn, and pay for different services (services, mobile services, etc.)

loyalty program

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If the client is not suitable for some conditions, by issuing his credit, he can simply take advantage of offers on the “GF” card. The Good Finance Bonus Program allows you to return one to three percent of the value of your purchased items at the time of purchase.

Accumulated points can be spent on paying for goods in Good Finance stores. In addition, you can take advantage of discounts and promotions offered by banking partners.

Refilling cards through the salon

How to add the “GF” card in the “Good Finance” salons? How to get advice on this? You must contact any salon and transfer funds to the card using the cashier. The client must carry a card and passport.

How to Withdraw Cash

How to Withdraw Cash

Does the GF Card allow you to withdraw Good Finance cash? How do I get cash from an ATM?

There are ways you can make money card operations:

  • use payment terminals in Good Finance stores;
  • via ATMs;
  • in the offices of the partner bank that provided the loan.

Closing the card

Before closing a GF card, you must check that it is not a loan. You must then complete the following steps:

  • visit the bank that provided the loan to request the termination of the card use relationship;
  • expect the termination of the contract and the further closure of the account is usually 45 days for these procedures;
  • Get confirmation from the bank that the card is closed and no debts.

Conclusion

The maize map has been studied in detail above (Good Finance) how to obtain it has also been considered. After studying all these subtleties, we can say that, like every product, it has its pros and cons.

Advantages:

  • allows you to shop online;
  • registration does not take much time;
  • There is no commission for this service;
  • accumulation of shopping bonuses;
  • there are many ways to add it (discussing in detail how to add a GF card through Good Finance);
  • free recovery in case of card loss;
  • Easy to use.

Disadvantages:

  • It is not possible to make online purchases in all stores;
  • cash withdrawal is charged;
  • a commission that is higher than the average value is charged when refilling the card with a third-party client;
  • it may become unusable when used regularly;
  • Money is not transferred immediately from another card to the “GF” card.

After acknowledging all the pros and cons of this card, one has the right to decide – to use or select another product.

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