Installment credit card "Home Credit": customer reviews about the conditions. “Instalment card” Home Credit New home credit installment card
An installment card, but with one big advantage. With the Home Credit Bank installment card you can pay for goods everywhere, that is, it is more universal and does not require clarification whether the store is a partner of the bank on this card.
Home Credit Bank
Cool!Sucks!
Home Credit Bank is a good credit institution for me personally; I even worked there a long time ago, and when I learned about such a universal card, I was one of the first to apply for it. I filled out the application itself on the bank’s website, on the promo page of the card. The page is nicely designed, in the new colors of the bank, but it turned out to be extremely uninformative. There is not even information about the cost of issuing the card, and in general one gets the impression that the page was put together in a hurry. (Added by the editor on 10/10/2017: at the moment the map page is complete, it’s been finalized - well done)
Applying for a Home Credit installment card
The application form is simple, full name, date of birth, telephone number and passport details. You duplicate all this when communicating with the bank manager by phone, then it’s unclear why you should write this, they would ask you to leave your phone number. In the form we indicate where we will pick up the card if approved. I received the bank's decision immediately after talking with the manager. It was also reported that I can go to a bank branch today and receive a card, though not a personalized one, but a personalized card can be ordered and received in a few days.
Issuing a card is absolutely free for the client, and maintenance is also free. The bank did not experiment with the name, as Qiwi Bank and Sovcombank did, and on the card it says Installment Card. The card looks very nice, bright, and stands out among the many other cards in the wallet.
How to buy with an installment card
The main difference between the card and Home Credit is that it is universal, and you can make a purchase in installments at any store. The installment period is 3 months and is universal. But, Home Credit states that partners have an installment period of up to 12 months, but there is no information about partners anywhere, perhaps this is in the plans for this product. added by the editor on 10/10/2017: At the moment the bank has more than 30 partners, the installment period is up to 12 months. You can view the current list of partners at https://www.homecredit.ru/shopping/partners.
The card limit is determined individually for each client, I personally was approved for a card with a limit of 100,000 rubles, for you it can range from 10,000 to 300,000 rubles. As a test, I did not spend the entire limit, and paying 33,000 rubles a month would have been a serious financial burden for me. Therefore, you should not focus on the card limit, focus on your financial capabilities.
By the way, if you do not make an installment payment on time, it turns into a loan with a rate of 29.9%. Cash withdrawals using this card are not possible. For testing, I bought myself a laptop worth 30,000 rubles. There were no problems with payment in the store; for the store you paid with a regular credit card.
How does the Home Credit installment card work?
The purchase amount is divided into equal parts, and you pay them over the entire installment plan. In my case, this is a payment of 10,000 rubles per month for 3 months. This card allows you to make multiple purchases within the limit, then the total purchase amount will be divided into three parts.
Let's look at an example, imagine that next month I bought another shirt for 3,000 rubles, thereby I have a laptop and a shirt in installments:
How to repay an installment card
Regarding payments, I think everything is clear, we divide by three, but you don’t even have to count, the bank itself will notify you about the next payment via SMS, the SMS package for this product is free. Home Credit Bank has a good mobile application and online banking, where you can also find out the amount and term of payment.
You can pay at bank branches (cash registers or ATMs that accept cash), if you pay with your HomeCredit debit card, there will be no commission, you can also pay in your personal account on the website or in the My Credit application (the first two payments are free of charge). Generally speaking, the installment card is repaid in the same way as any other Home Credit Bank banking product.
Pros and cons of an installment card from Home Credit Bank
Pros:
- Can be purchased in installments at any store
- Card issuance and maintenance is free
- Interesting card design
- Large card limit
- SMS package is free
Minuses:
- High% in case of violation of installment terms - 29.9% per annum (for Conscience it is 10%)
Great! 2
At the end of 2018, Home Credit Bank presented its new installment card “Freedom”. It is very similar to another card product - the simple Home Credit installment card, which is no longer issued to customers. The main and only installment card of HKF Bank now is the “Freedom” card. The conditions, tariffs and differences of the card will be discussed in this review.
In this review, we will consider several issues regarding this card:
- Conditions and tariffs of the “Freedom” installment card from Home Credit.
- Product Features.
- How to apply for and receive a card.
- Comparison of the “Freedom” card with the “Halva” and “Conscience” cards.
- Reviews and client's opinion about whether it is worth applying for it?
The card was announced at the end of 2018, when the head of the bank made a presentation of the bank’s new product - . The name of the card is as unusual as the “Conscience” card of Qiwi Bank.
At its core, the new card is an improved and updated Home Credit installment card, which was issued throughout the year. Now that they have started issuing the Freedom card. The old installment card can no longer be issued, but those who have already issued it before can still continue to use it.
In general, Home Credit became the third bank in Russia to introduce an installment card to the market.
Before this, the installment card was already launched:
- Sovcombank —. A universal card, as it can be used both for installments and for storing your own funds at a favorable interest rate. Read separate review of the Halva card .
- Qiwi Bank — interest-free installment card "Conscience". The very first interest-free installment card in Russia. You can find out about all the features of this card in special review of the card.
- Alfa Bank— new for 2018. The card is very similar to the Home Credit installment card. Detailed review and reviews of the product.
Also, the service “Instalments up to 12 months with partners” is available on credit cards and Russian standard.
How to use the card and is there a catch?
So, the essence of the new unique card from Home Credit Bank is that it allows you to buy goods in any offline and online stores in installments for 3 months, as well as in partner stores for up to 12 months. That is, this product has similarities with a regular credit card, with which you can make purchases in any store, and something in common with installment cards, for which installment plans are available for a longer period.
Let's look at an example of how to use an installment card from Home Credit. Let’s say in December 2018 you bought building materials worth 50,000 rubles using your card at a hardware store. This amount is divided into 3 parts, which you need to return to the bank. In January, February and March you need to deposit 16,666 rubles back onto the card.
If you made a purchase at a partner store, the installment period will be longer. Accordingly, you need to pay much less monthly.
Thus, having paid for your purchase within the installment period, you do not pay interest to the bank - the purchase is completed without overpayment. After reading all this, many people ask the question: “Is there a catch to this card?”
I think there is no trick in the card and there cannot be. The fact is that the bank does not earn commissions from its clients, who pay by card and from partners where the purchase is made. Everyone wins: the client does not pay interest, the bank receives a reward from the partner, and the partner increases its revenue and turnover. To put it figuratively, the bank gives money to clients and sends them to partner stores so that they spend this money with the partners. A kind of advertising for certain stores. For this, the bank receives a commission from the store. And he, in turn, pays the bank, as if for advertising, for “bringing” a client to him.
There are also certain disadvantages and disadvantages of the card that are inherent in all installment cards. For example, an increased grace period (installment plan) is valid only in the bank’s partner network, and there is also no opportunity to withdraw cash from the credit limit. Installment cards are focused only on making purchases. This cannot be called a trick of the card, since this is a feature of all similar cards.
Tariffs and terms of service for the Home Credit installment card
Let's take a closer look at the tariffs and conditions of the Freedom bank card to understand whether there are various pitfalls and “surprises” there.
- Card issue and annual maintenance- for free.
- Re-issuance of a card at the client’s initiative– 590 rubles. If the card has expired, it’s free.
- Total credit limit– from 10 to 300 thousand rubles. To pay with a card OUTSIDE the partner network, you can use only part of the total credit limit, which is set individually.
- Grace period for purchases not from partners— 51 days (when issuing a card and making purchases before December 31, 2018, a 3-month grace period applies).
- Interest rate during the installment term– 0 percent per annum.
- Minimum monthly payment— 7% of the debt for purchases OUTSIDE the affiliate network + part of the debt in installments (for example, 1/12 of the debt if you took it in installments for 12 months). Also, the minimum payment usually includes fines and commissions on the card, if any are charged to you.
- In case of violation of the terms of installments and non-payment of the monthly payment– from 17.9 to 34.9% per annum. The rate is set individually for each person.
- Penalty for late minimum payment— 590 rubles.
- Cash withdrawal from ATMs- not provided.
- SMS information on the card– free for the first 2 months, then 99 rubles per month.
- Monthly account statements- for free.
- Release of a new PIN code– 0 rubles.
- Internet and mobile banking– no commission.
- Blocking/unblocking the card– also without charging a commission.
- Depositing cash onto a card through an ATM, terminal, bank cash desk - absolutely free.
As you can see, almost everything you need is on the card without charging any fees, which is good news.
Features of a credit card
Now let's look at the features of the new installment card "Freedom" of Home Credit Bank.
- The card is accepted absolutely all over the world wherever there is a payment terminal that accepts bank cards, as well as on the Internet.
- The installment card is issued by MPS VISA in the CLASSIC category.
- By default, the card is unnamed with a chip and PayWave technology. A microchip on the card makes it more secure, and PayWave contactless payment technology makes it convenient. You can also order personalized plastic for free.
- The presence of PayWave technology makes the card contactless, that is, you can pay with it simply by touching it to the terminal. You can also link the Freedom card to your smartphone in the Google Pay, Samsnug Pay or Apple Pay application and pay for purchases with your smartphone (you need the NFC function on your smartphone).
- The card cannot be used to withdraw cash from ATMs and bank tellers. It is intended strictly for non-cash payment for goods and services.
- You can pay off your card debt at any time without commission or moratorium. That is, it is not necessary to wait 3 months.
- The card is issued without income certificates, collateral or guarantors.
Partner stores of the "Freedom" Home Credit installment card
Among the partners of the new installment card “Freedom” from Home Credit and Finance Bank there are a lot of interesting stores and companies that many bank clients use constantly. And now there is an opportunity to receive installments there.
Here are the most profitable and popular bank partner stores for purchases in installments up to 12 months:
- Aeroflot - 4 months installment plan.
- Chain of household appliance stores DNS and Citylink - 6 months and 4 months, respectively.
- Snow Queen - 6 months.
- Furniture chain Shatura - 10 months.
- Online store Vsekupi.online - 12 months.
These are just some of the partner stores. at the end of 2018, the total number of partner stores was more than 40 thousand! A complete list of partners and installment periods can be found on the bank’s website.
Comparison of the installment card "Home Credit" with "Halva" and "Conscience"
So, as mentioned above, in Russia Home Credit became the third bank that began issuing an interest-free installment card. Thus, entering this promising market, he had the opportunity to study all the conditions and reviews about the cards of his competitors - and.
Having analyzed existing cards, the bank presented us with exactly the product that we now see. And let's try to compare and understand how the cards differ from each other.
- Home did not lag behind his colleagues on the issue of the name of the card, and just like them, he came up with a very original name for his main card product.
- Unlike Sovest and Halva cards, Home Credit Bank did not limit its customers when making purchases using a credit limit. Clients are not tied to the bank's partner network. And this, perhaps, is its most important competitive advantage among similar cards from other well-known banking institutions.
- With a card from Home Credit, the minimum installment period is 2 months. Let me remind you that there are a large number of stores with analog cards that offer installment plans for purchases of only 1 month.
- Unlike Halva's MasterCard, the HKF Bank card is issued by the international VISA system. For some, this sometimes matters.
- The Freedom card has a credit limit for purchases outside the affiliate network. That is, the entire approved limit cannot be spent in a store that is not a partner. Only a certain part. This will be indicated in the card agreement.
How to apply for and receive a Home Credit installment card
Let's move on to the most interesting part - “How to order and receive this card?” It's quite easy to do this.
You can order a card in two ways:
- Submit an online application via the Internet on the bank’s official website and receive a decision almost instantly.
- Contact the bank office and leave a request through the manager.
Due to the fact that there are often queues and incompetent employees at bank offices, we strongly recommend that you submit your application via the Internet, as this significantly saves your time. In addition, when you leave an application online, you immediately receive a decision - “approved or not.”
After you have left an online application and received a decision, you will need to contact one of the offices or representative offices of the bank that you chose when submitting your application and receive a non-personalized card. Or arrange free delivery by courier to a convenient address.
“Freedom” + “Benefit” = Beneficial tandem
In addition to the installment card, Home Credit Bank has another card, which is very popular among customers who issue credit cards. This .
This map It is recommended to open simultaneously with an installment card, since you can store your own funds on a debit card at a favorable interest rate of 10% and earn money on it, and at the right time you can use it to pay the minimum payment on your installment card. That is, 2 free cards for different purposes.
In addition, you can transfer salaries and other payments to the card, and then withdraw them from any ATM in the world absolutely free. Or make profitable transfers for 10 rubles to other banks. For example, pay off loans from other credit institutions.
Necessary documents and requirements for the borrower
Before you apply for a card, you need to understand what documents will be required. Here is the list:
- Passport of a citizen of the Russian Federation.
- The second document is your choice: driver’s license, green SNILS or valid international passport.
P/S. According to a bank specialist, even just one passport is enough! But nevertheless, we recommend that you also provide, just in case, a second document, if possible.
Requirements for the borrower:
- Russian citizenship.
- Be at least 18 years of age and not over 64 years of age at the time of application.
- Live in the region where the card is issued.
- Have a cell or home number, as well as a landline work number.
- Have a stable salary and have worked in your last job for at least 3 months.
“Freedom” from Home Credit Bank is a credit card, by issuing which the client has the opportunity to buy goods without interest and other overpayments in any stores. The partner stores of the Freedom installment card from Home Credit Bank are those organizations with which the bank has agreements and which offer special conditions to owners in the form of an extended installment period (up to a year).
Promotion! If you issue a card before December 31, 2019, the installment plan for all partners is 10 months! Hurry up to send your application now on the website
You will find a complete list of all partners on the official website. The list of stores covers most of the market for goods and services!
For comparison, be sure to consider the lists of partner stores of the other two installment cards on the official websites:
- “Conscience” from Qiwi-bank - sovest.ru;
- “Halva” from Sovcombank - halvacard.ru.
The number of partners is increasing and there is a lot on the list - from children's clothing to travel packages. We will dwell in more detail on the main categories of stores.
Shopping in any stores
When the project was launched, the Home Credit credit card had one significant advantage, which similar offers from other banks were deprived of. Owners have access to purchases in all stores that accept plastic cards for payment. None of our competitors offered such conditions in 2017! But in 2018, Sovcombank and Qiwi Bank changed the conditions. Now their cards can be used in any stores, while adjusting the installment period at your discretion and even withdrawing cash!
But, let's return to the product from Home Credit. The payment period for purchases from organizations that are not partners of the Freedom card from Home Credit is limited to 51 days. At retail outlets with which the bank has entered into agreements, the installment period reaches 1 year. And there really are a lot of partners.
Order an installment card Freedom
“Freedom” is accepted all over the world, like other installment cards. Consequently, after its registration, customers will have the opportunity to make purchases abroad - no competitor has yet achieved anything like this. When paying for all kinds of goods and services, you simply use it like an ordinary credit card and debit card - it’s simple, fast and convenient!
Halva installment card
- Accepted everywhere, 80% of applications are approved
- Low interest on late payments
- Limit up to 350,000 rubles and free service
- To learn more
Apply for a card
List of Home Credit card partners by category
It is worth noting that after adjusting tariffs and issuing a credit card under the new name “Freedom”, the number of partners has increased significantly, now there are 21 categories or more in the catalog 60 thousand stores! We will look at the most popular ones.
Appliances
Among the goods that are often purchased in installments are home appliances and electronics, the cost of which does not always allow payment in one payment. If you haven’t managed to save up the required amount of money, use a credit card from Home Credit in one of our partner stores:
- Technopark is a well-known chain of electronics and home appliances.
- “123.ru” is an online store whose assortment includes everything from televisions to computers. 3 months.
- "DNS" is a retail chain selling household and digital equipment. The installment period for the Freedom card is six months.
- Citylink is Russia's largest online store selling household appliances, electronics and related products. 4 months.
- "El Dorado".
- "BORK" - premium level household appliances.
- Kholodilnik.ru - the name speaks for itself.
Installment card Freedom
- The card is accepted everywhere
- Installment period - up to 12 months
- For registration you only need a passport
- To learn more
Apply for a card
Clothes and shoes
In which clothing stores does the Svoboda installment card of Home Credit Bank work? In 2018, the list of organizations in this category has expanded greatly! The list of organizations includes:
- "Snow Queen" is a chain of stores selling leather and fur products. In them you will find men's and women's items, bags, accessories, etc.
- “Lamoda” is an online storefront with fashionable clothes, accessories and shoes (installments up to six months).
- “Kari” – salons of fashionable shoes with accessories.
- “BUTIK” is a store of clothing, shoes and accessories from world-famous brands.
- Unichel is a shoe store from a Russian manufacturer.
- "5 Pockets".
- "INSITY".
- "Monroe."
- "Adidas".
- Reebok.
Furniture and renovation
Cardholders have the opportunity to make repairs and update furniture in the apartment by purchasing goods in large partner stores of the Freedom installment card from Home Credit:
- Shatura, a well-known manufacturer and distributor of home furniture, offers installments for 10 months.
- "Lapis lazuli". There are stores in many cities of the country, and the payment period for cabinet and upholstered furniture is 6 months.
- "Ascona" is a chain of mattress stores.
- Partners “Riforma” and “Tsvet Sofas” offer high-quality upholstered furniture that provides a high level of comfort, and among the large assortment, every customer will find a product to suit their taste and budget.
- "Divan Formula"
- "Lapis lazuli".
- "Volkhovets"
It is worth noting that in the new catalog this section is divided into three: Construction, Household Goods and Furniture.
It’s not difficult, you just need to visit the official website.
Tourism and air tickets
Do you want to travel around Russia or abroad with this card! Easily! After all, the list of partners of the Freedom card of Home Credit Bank includes the following companies:
- Aeroflot. The payment period for air tickets is 4 months.
- ANEX Shop. A travel agency that is represented in 30 cities across the country and offers the best vacation spots at affordable prices.
- “OneTwoTrip” is an Internet service created for organizing travel. With its help, you can find and book hotel rooms, buy train tickets and rent cars, as well as buy ready-made tours.
- Mouzenidis Travel is a travel company.
- "Tez Tour". Tourist agency.
- "Fly.ru".
- "Sunrise Tour".
Installment card Conscience
- Possibility of cash withdrawal and payment in any stores
- Renewable limit up to 300,000 rubles
- Installment period at your discretion
- To learn more
Apply for a card
Jewelry
Those wishing to buy jewelry or other jewelry are advised to pay attention to the following stores from the full list of partners of the Freedom installment card from Home Credit Bank:
- “SUNLIGHT” are jewelry hypermarkets in Russia, the assortment of which includes more than 30 thousand items. All products are offered in installments for six months.
- Pandora is a chain of stores with unique jewelry, including charm pendants in addition to rings, bracelets and necklaces.
- Chain of stores "585*Zolotoy". For more than 15 years, it has been a leader in the Russian jewelry market at reasonable prices.
- Almaz-Holding.
- "KrasnoZoloto"
Order Freedom through an application on the website https://www.homecredit.ru/wow/ and receive it at any convenient office the next day!
Insurance
In 2017, only one insurance company was listed among the partner stores of the Home Credit "Freedom" card - INTOUCH. Its specialization is the direct insurance model, that is, without intermediaries. In this case, you can apply for insurance via the Internet or by phone call. The installment period for services is 3 months. It is strange that this organization was included in the partnership, because with this period you can purchase insurance services from any company.
For car enthusiasts
There are not many partner stores for purchasing goods in installments with Home Credit in this area, but over time the list will definitely expand.
- The Mosavtoshina store offers a huge range of wheels and tires from many manufacturers. The payment period for the entire range is 4 months.
- "Shinservice".
- "Free Wheels".
- "Beekeeper Auto".
- "Automag."
Do you want to expand your list of stores? Order a “Halva” card from Sovcombank or a “Conscience” card from Qiwi Bank! We can find the lists of their partners on the official websites sovest.ru and halvacard.ru.
Health and beauty
If you are interested in high-quality cosmetics, you will find it in the mono-brand chain of stores “LULU Paris”. Cosmetics from this partner are very popular and in demand in Russia among many girls and women, since at an affordable price the products are of high quality.
But in this section there are other partners of the Freedom card from Home Credit:
- "Nibbler."
- "The doctor is nearby."
- "A person".
- "Lensmaster".
- Etc.
The need to raise funds from outside may arise at the most inconvenient moment. In such situations, we are used to turning to friends and applying for loan services from financial institutions. Today, the credit card Installment card is one of the most popular banking products among Russians. It is used for various purposes - buying new furniture, traveling abroad, etc. This tool is preferable not only in terms of comfort, but also in terms of reliability. If it is lost or stolen, just quickly call the hotline and report the incident. Then the operator will block the “plastic” until you visit the office.
How to choose a product
First, you need to study the basic conditions offered by the bank. The final cost depends on several parameters: interest rate, duration, service fees. Of course, the size of the amount also matters. Therefore, you must competently approach the calculation of planned expenses. Try to save on possible aspects - the smaller the final debt, the easier and faster you will pay it off. Some people apply for huge amounts of money, but such a step can only worsen the financial situation.
Then move on to explore additional options. Features such as cash back, bonus programs and discounts on purchases from partner companies will help you save personal money even in everyday affairs. Another distinctive feature of “plastic” is the presence of a grace period. It is provided for free debt repayment within a specified period. If you plan to pay off your debt in the near future, this benefit of the product will help you avoid paying interest.
The registration process itself is quite simple and will not take much of your time. You must fill out an application at a bank branch or fill out a special form on the official website. The second method is much more popular among consumers, since no one wants to leave home or work and stand in long lines. In addition, online applications immediately go into the database. This means that employees do not waste time processing them, and the review and decision-making procedure is much faster.
Information search portal
On the site you will find reliable information about the offers available on the market. Here you can study all the conditions and criteria for provision, as well as make calculations for several options using an online calculator. In the ratings section, users leave reviews and comments about the work of financial organizations.
Home Credit Bank has launched an online platform where users can buy various goods in installments. Let's see what are the features of this offer? Is it really profitable and is there a catch for buyers?
Using the portal “Goods in Installments” or an installment credit card from Home Credit Bank, interested parties will be able to purchase equipment online. To do this, you do not need to leave your home or office, spend hours looking for suitable items in stores, and then apply for a loan to purchase them. Thanks to the Home Credit Bank service, all this can be done quickly, regardless of the time of day and your location.
Section “Goods in installments” is a kind of intermediary between large partner stores (Eldorado, MVideo, etc.) and borrowers who want to simultaneously purchase goods and apply for an interest-free loan without leaving home.
More information about purchasing in installments
The client needs to select the product he likes from the Home Credit Bank online catalog. Each item is accompanied by a detailed description containing:
- Main characteristics,
- Supplier name,
- final cost,
- monthly payments,
- delivery method,
- duration of the installment plan.
Have you found the product? To make purchases, fill out a short application for an installment plan or credit card from Home Credit Bank. The service provides 2 delivery methods– to a partner’s store or by courier. Delivery is subject to the approval of the application for installment payment. All this is much more profitable than paying with cash or a debit card.
Installment terms
On the website homecredit.market.ru you can choose household appliances, electronics, kitchen products and much more. Do you prefer to lead an energetic lifestyle? You can choose from a catalog of navigators, optical equipment, modern models of personal computers, mobile phones, etc.
Please note the terms and conditions of the installment plan:
How to make a purchase?
To simultaneously make a purchase and a loan on the Home Credit Bank service, you need to select a product. There are 4 sections in total, which contain household and computer equipment, mobile phones, and electronics.
Read the terms of the installment plan (term, monthly payment, etc.). At the bottom of the page there is a list of partners offering this product on other terms (for example, at a different price). If the buyer agrees with the terms and wants to apply for an installment plan for this product from a bank partner, then he needs to click on the electronic button "Design"(on the right side of the page).
The downloaded form will contain an application for an installment plan, consisting of 3 fields:
Field No. 1 – delivery
There are several delivery options to choose from, indicating the final cost and deadline. The client chooses the transport service independently from the proposed list. After you have chosen a convenient option, indicate the delivery address (town, street, house and apartment).
Note! If necessary, you can leave a comment on the order (for example, if you want to explain in more detail how to get to the house).
Field No. 2 – personal data
Enter personal information in the virtual column - date of birth (required field) and current mobile phone number. A message with a verification code will be sent to it, which must be entered into the loading window.
Field No. 3 – additional data
