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How to increase the credit limit on an ot bank card
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JSC "OTP Bank" is the largest financial institution operating in Central and Eastern Europe.
In Russia, OTP Bank branches provide domestic consumers with a variety of financial, insurance and investment services.
Credit cards and debit bank cards are one of the most relevant products that are especially popular with OTP Bank.
In order to get acquainted with the list of cards offered for use, you need to go to the official website of OTP Bank.
On home page the site will present different departments of information, one of which is called "Bank Cards"
After moving to the department you are interested in, several more points "Credit" and "Debit" cards are opened, where all the necessary information regarding OTP Bank bank cards is offered.
The main advantage of the “Home Card”, which the bank places particular emphasis on, is cashback, or in other words, a refund of money to the account after reproducing the payment in the store.
The cashback amount is 3% of the total amount of your purchase.
Important! This service works automatically, without connecting additional options and services.
- You pay with a "Home" card in any grocery store;
- OTP Bank returns money to your account in the amount of 3% of total cost products;
- the total refund can reach several thousand rubles per month.
Basic information on the "Home Card" tariff:
1. The amount of the credit limit is 10,000-300,000 rubles, the amount is determined by OTP Bank on an individual basis.
2. Credit rate for payment of 24.9% per annum (based on the amount of the allocated loan, paid in settlement period use the card).
3. For other services, including withdrawal Money from the map, credit rate is 49.9% per annum.
4. The grace period for interest-free loan repayment is 55 days.
5. At the end of the grace period, the minimum monthly payment is 5% of the amount of the credit limit (the minimum amount is 500 rubles).
The first year, the card is serviced by the bank free of charge.
But, from the second year, the service becomes paid, the amount of service is 1600 rubles per month (the annual service fee is debited once a year on the day the card was activated).
6. Penalty for missing monthly minimum payment at the end of the grace period - 20% per annum.
"Home Map" has excellent functionality, which is convenient to control through the special application "OTPDirect".
- provision of a passport of the Russian Federation;
- Russian citizenship;
- age from 21 to 68 years;
This card can be issued only at the branches of OTP Bank, where a specialist in banking services will help you choose the most favorable conditions for the client.
This credit card is designed for active users bank cards who like to make purchases through cashless payments.
OTP Bank allows each user of the Molniya card to set up their personal income from cashback in the amount of 1.5% from each purchase.
Main advantages credit card"Lightning":
A welcome bonus of 300 rubles for a one-time purchase over 2,000 rubles within 30 days from the date of purchase of the card.
1. Free annual service.
2. 19.9% per annum with timely repayment of the loan debt within six months.
3. Replenishment through online-OTPbanking - free of charge;
4. The grace period for interest-free loan repayment is 55 days.
5. Control of expenses through a special application "OTPDirect".
6. 7% per annum - income on the balance of own funds.
7. Up to 30% discount from partners of the Mastercard program.
Mandatory requirements for the card recipient:
- provision of a passport of the Russian Federation;
- Russian citizenship;
- age from 21 to 68 years;
- continuous work experience at the last job - 3 months;
- registration on the territory of the Russian Federation and actual residence in the region where the card is issued.
This card can also be issued only at the branches of OTP Bank in person.
Credit card "understandable"
This card- special shape concessional lending, for people who are accustomed to making the necessary purchases without waiting for a "better" time.
It allows you to use credit funds cards in the absence of any interest from the bank, subject to timely repayment of the loan debt in accordance with the grace period of 55 days.
Additional advantages of an understandable OTP Bank credit card:
1. The card can be used in the form of an electronic wallet to make payments online in an online store.
2. Limit on the loan, reaching 1,500,000 rubles.
3. The interest rate depends on the loan amount and the terms of its repayment.
4. All information on your card can be obtained through OTP online banking, OTPDirect service, SMS informing and round-the-clock support of OTP Bank.
5. If you lose your card, you can block it by calling hotline, and reporting the loss.
6. You can withdraw cash around the world at a large number ATM machines, no additional fees.
7. Pay for a product or service anywhere in the world.
When issuing an understandable OTP Bank credit card, it is enough to have a passport with you.
This card also has the NasterCard Gold format for salary or other clients of OTP Bank.
A very convenient option for those who are not sitting still. This card makes it possible to pay bills from anywhere in the world. Also, the card has a convenient accumulative functionality.
Basic terms and conditions of Mastercard Gold:
- 7.5% per annum on the balance of personal funds in the current account;
- international level payment system Mastercard;
- control of expenses through a special application OTPDirect;
- SMS notification - 59 rubles per month;
- the issue is free;
- monthly service cost - 149 rubles;
- validity period - three years.
The card can be issued to a person who has reached 18 years of age upon presentation of a passport.
Another very convenient option for travel lovers.
Mastercard Unembossed has the following benefits:
- up to 7% per annum on the balance of personal funds at dawn on the account;
- price annual service- 588 rubles;
- the cost of issuing a card is 99 rubles;
- card validity period - 3 years,
- SMS informing.
Cost control can be controlled through a special application OTPDirect.
Happy Time World Map
This card is an excellent solution for the domestic consumer. Answers all international standards and does not depend on external economic factors.
The World map is convenient not only for payroll clients but also for retirees.
Terms of the tariff plan of the card "Happy Time":
- free card issuance;
- the card is valid for 3 years;
- free SMS informing service;
- free service throughout the year;
- up to 6% per annum on the balance on the personal account.
Very beneficial for retirees receiving pension contributions through OTP Bank.
Debit card MasterCard Standart "Youth"
This debit card is a cost-effective solution for students.
Important! Registration is available only for persons from 18 to 25 years old inclusive.
Additional information on the tariff plan "Youth" card:
- service of the card during the year is free;
- SMS informing service - 59 rubles per month;
- the card is valid for 3 years.
Debit card MasterCard Standart "For Travelers"
OTP Bank offers currency card"For travelers", which is designed to perform monetary transactions abroad.
The main difference between this card is a currency account (dollars / euros).
Additional conditions:
- annual service cost - 20 $ / 20 €;
- the card is issued free of charge;
- SMS informing service - 2 $ / 2 € monthly;
- the card is valid for 3 years.
Attention! All information on this site is presented for informational purposes only. The site does not collect and process personal data. the federal law of July 27, 2006 N 152-FZ "On personal data" is not violated.
In their programs, banks indicate the maximum allowable credit limit. When considering an application received from a client, a credit institution places a certain amount of borrowed funds on the card's balance sheet, which make up the card's limit.
In 99% of cases, a potential borrower receives a card with a limit of 50-60% of the maximum allowable value. If a limit of 300,000 rubles is stipulated for this name of credit cards, then a customer who has applied for the first time can expect to receive a card with a preliminary limit of 50,000-150,000 rubles at best.
At the same time, credit institutions in their agreements indicate that it is allowed to change the size of the credit limit upwards under certain conditions.
How the credit limit is assigned
Much depends on the bank's program. There is a type that provides for a simplified registration (the so-called "fast cards") with a minimum package of documents. The limit on such cards is not large, and the bank receives security guarantees due to the high annual rate and severe penalties. The mechanism of increasing the limit is not used for such cards, since almost all clients are approved for the same amount of borrowed funds.
For other cards, for the registration of which a package of documents is required, for two clients with the same credit card, the limit may differ significantly. With the maximum set limit of 300,000 rubles (approximate amount), the bank approved one card holder with a limit of 150,000 rubles, and the other - 70,000 rubles. This means that the bank, when considering customer applications, proceeded from the following indicators:
- Total work experience - including work experience at the last place of work.
- Income level - a client earning more income will be approved for a higher credit limit.
- Package of documents - banks operate according to the principle “more documents - higher credit limit”.
- Credit history - no credit history equates to a damaged credit history, therefore, the final limit for such a client will be less.
If the bank has approved a card with a limit that does not constitute the required maximum, then the bank allows an increase in the amount of borrowed funds in the process of using the card. This circumstance can be indicated in the user agreement at its discretion credit institution... And in each case, the increase in the limit depends on how the holder uses the credit card.
There is a category of privileged clients to whom the bank makes an initial offer. These clients usually have open deposit in the bank or they are participants salary project a large corporate client.
In relation to these citizens, the bank immediately sets the maximum credit limit with many additional options for the card. Such clients automatically deserve the trust of the bank, so they can count on the maximum possible amount of borrowed funds.
How and by how much the limit is increased
There is no specific algorithm for increasing the credit limit. Each organization has its own rules on this matter. There are several more general conditions, the observance of which is likely to lead to a change in the amount of borrowed funds.
After receiving the card, the borrower should use it to the maximum so that the bank can see the movement of funds on the account and the client's interest in increasing the limit. At the first stages of using the card, compliance with the rules for the targeted use of borrowed funds, the timely payment of the minimum mandatory payment and the repayment of the total amount of debt is positively assessed.
For example, the credit limit on the client's card is 70,000 rubles with an envisaged grace period of 50 days. If, at the first stages of using the card, purchases are made at significant sums with the spending of the main part of the limit, the bank will see that the client has the needs and the ability to timely repay the debt.
In case of several successful purchases for a total amount of 30,000-35,000 rubles and subsequent repayment of the debt, the bank will increase the credit limit, since the client has proven a sufficient level of reliability.
But the correct and frequent use of the card, with the avoidance of violations and delays, does not guarantee the holder an increase in the credit limit on the card. This preference is realized only at the discretion of the bank, which invests a number of criteria in the client evaluation mechanism. Therefore, the limit will be increased if the holder meets the following 5 conditions:
- He uses the card every day or makes purchases of significant amounts.
- Places his own funds on the balance sheet, amounting to 20-25% of the credit limit.
- Does not allow even the shortest delays.
- Does not cash out the credit limit, unless this option is expressly provided by the user agreement.
- Timely fulfills its obligations to the credit institution.
How much the limit is raised for the first time - the bank decides on its own. As a rule, it is not large sums, rarely reaching 10-15% of the borrowed funds already placed on the card balance. With the same intensive use of the card, carrying out transactions for significant amounts and timely repayment of the resulting debt, the credit limit will periodically increase until it reaches the maximum maximum.
An additional way to increase the limit
There is another option for increasing the limit - at the initiative of the cardholder, who must arrive at the office of his bank with documents and draw up a statement, which will indicate the request for an increase in the limit. This option is relevant when the holder's income has increased, and he can document this fact.
The client provides the bank with certificates in the 2-NDFL form or in another form, depending on the type of activity. The bank evaluates the received documents, looks at the movement of funds on the card, analyzes the number and size of recent transactions.
If no violations are found, the card limit is increased by a certain percentage. This form of interaction is used by such banks as:
- Alfa Bank;
- Opening;
- Promsvyazbank;
- Sovcombank;
- Rosbank;
- National Bank "Trust";
- Russian Standard Bank;
- Uralsib;
- Credit Europe Bank;
- Rosgosstrah Bank;
- MTS Bank;
- Orient Express Bank.
How to find out if the limit has been increased
V unilaterally, that is, without the client's consent, the credit limit is increased for cards of such banks as: Sberbank of Russia, VTB Group, Rosselkhozbank, B&N Bank, Citibank, Tinkoff, Raiffeisenbank, Gazprombank, Moskovsky Credit Bank, Renaissance Credit Bank, Unicreditbank, East Bank, Home Credit Bank.
The general term for obtaining the opportunity to increase the credit limit on the cards of these organizations is 3 months. During this period, the client should not allow delays and other violations of the contract, and use the card in an intensive mode. The bank will increase the credit limit by sending a notification to the user.
A credit limit is money that a debt gives to a bank. It is renewable: when the customer uses it and returns the money, it can be used again. This process can go on and on.
A credit limit is required to take borrowed funds when you need it. On the one hand, it is very convenient: if you need money, you don’t need to run around and look for it, collect a bunch of documents for applying for a loan, and so on.
Here it is enough to use your credit card and make the desired purchase. On the other hand, the availability of money always stimulates the client to make purchases, sometimes not entirely necessary for him. It is easier to spend money than to pay it back - because of this, disputes arise over the infinity of debt repayment.
What is a credit limit?
it fixed amount money that the bank has provided to the owner of the credit card for permanent use. When you receive a credit card, it already has the N-th amount of money. Without even replenishing own funds, a person can already make purchases and withdraw cash. The amount taken must be returned on time so as not to pay extra interest and fines.
When granting a limit, the bank also provides Grace period... This is the period of time during which the client can use the money from the card and not pay any interest. Typically, it reaches 50-60 days, and the methods of calculating it may differ from one bank to another.
Competent use of this option will allow you to use borrowed funds free of charge and repeatedly. If the client does not fit into the grace period, the bank begins to charge interest.
Thus, the credit limit:
- Installed on a credit card.
- At his expense, you can make purchases or withdraw cash.
- You need to return the money on time.
- The limit is renewable.
Credit card without credit limit: myth or reality?
When ordering credit card the bank provides a credit limit. If the bank refuses the limit, then the card is simply not issued. But there are also cards with a zero credit limit. Most often they are called debit cards. An example is Visa card Platinum B&N Bank.
This card is debit and credit card instant issue (or in nominal form). At the time of issue, the card is issued with a zero limit. Within a couple of days, according to the decision of the bank's credit committee, a credit limit can be established on it, about which its owner will be notified by call or SMS.
In this case, the card will become a credit card. But also the limit may not be set, and the client will be able to use it only as debit card(or credit card with zero limit). In fact, all bank cards are credit cards. To make it easier to distinguish between them, they allocated credit cards with a zero limit and called them debit cards.
What limit can be set on a credit card?
The size of the limit depends on the client's ability to pay. As in calculating the amount of loans, all income and expenses of clients will be taken into account here. If the solvency allows, then the bank offers increased limit(from 100 thousand rubles), and if not very much - then the average (50-100 thousand rubles). If the client is not solvent, then the limit may be refused. The calculation principle also differs from one bank to another. Usually, a card payment should not exceed 25% of the income minus other payments.
For example, a client receives 50 tr. He has a loan for which he pays 10 tr. per month, a child for whom expenses are based on the minimum wage, for example, 8 tr. Total net income per month is obtained:
Net income = 50 tr. - 10 tr. - RUB 8 (per child) - RUB 8 (for yourself) = RUB 24
Based on the requirement "no more than 25% of income", for minimum payment on the card remains:
Minimum payment = 24 tr. * 25% = 6 tr.
If the minimum payment is 10% of the limit, then the limit can be provided in the amount of about 60 tr:
Credit limit = 6 thousand rubles * 10 = 60 tr.
The presence of real estate in the property, a car, a deposit can contribute to an increase in the credit limit.
Credit limit calculator
The credit limit depends on your net income and minimum payment
You can calculate the limit on a special calculator
What card limit will be approved for you?
Average income, month
Expenses, month
Min. payment
up to 950,000 rubles
How to increase your credit limit?
V different banks this can be done in different ways. For example, in VTB 24, you can submit an application by attaching a certificate of income, the availability of property, sources of additional income. Within 3 days, the bank makes a decision to increase the limit or refuse it. In B&N Bank, the bank increases the limit unilaterally with its constant use and return without delay. Thus, the limit is increased:
- When providing documents confirming the solvency.
- With the active use of bank funds.
Where can I see the amount of the credit limit?
- It is prescribed in the individual conditions when receiving a credit card.
- When you request a balance from an ATM, the receipt will indicate the amount of funds, taking into account the credit limit. For example, a client has 1 tr. their own money and 50 tr. limit - the balance will show 51 tr.
- At the bank branch in the card statement.
- Online banking. For example, in B&N Bank it will be listed in the "Cards and Accounts" section in the upper left corner.
I bought a new refrigerator in the store. She paid for more than 50% of its cost in cash, but until full payment was made, part of the money was not enough. The store requested a loan from OTP-bank. The approval came in just a few minutes. Quickly issued. About a year later, when the refrigerator loan was paid off. The bank sent me by mail a personalized credit card with a limit of 28 thousand rubles. I used the card (took out cash, paid the minimum payment on time). A year later, the bank, without asking my desire, increased the limit to 40 thousand rubles. Naturally, the minimum payment has also increased. In another six months, the bank will increase the credit limit to 47 thousand rubles. Naturally, I paid the minimum payment on time, which was appointed by the bank. One of the payments fell on new year holidays, that is, it had to be repaid on January 9, 2014 - I repaid it on time. And the next month, the minimum wage had to be paid off before February 4, and I received the money on February 5. I came to the bank office, explained the situation: what to do to avoid delays? We threw up our hands - we can do nothing to help. Paid on February 5th. Naturally fine. And just in February, the credit card expired. The new one was re-released with a different number. It had to be activated. When by courier new card was delivered, the order of activation was indicated in the covering letter, I called the indicated phone number to activate the card. The specialist asked to wait and after a while replied that the bank refused to activate the card without explaining the reasons. Why increase the credit limit without the client's desire and why send a new credit card if it cannot be activated? These moments are absolutely incomprehensible to me. It turns out that the bank "squeezes" everything it can from its clients, and then refuses to activate it. Anything can happen in life - they can delay the salary or pension, but the bank should treat those customers who consistently pay the minimum payment with great confidence and provide some concessions. I had a payment delay by only one day, besides, in February after the 5th, I made the payment in full and more, but the bank did not treat me decently, to put it mildly.