Credit Card Tinkoff Platinum - what a miracle

So, we go first to the anpakingu. The envelope of sand -colored bright inscription: BOARD APPROVED. Ah, the old man Rights Lebedev, when caps lock razebyvaet for the design. Also in uppercase white on maroon ' Personal Offer! . It is not good, Mr. Tinkoff, scaring old people!.

And on the reverse side to it is absolutely crush my mother - old woman once in the upper register ' Confidential ' in black with black frame. Even I would crap from fear, if not for the logo Tinkoff.

Extract. Within the questionnaire, two brochures, promotional cardboard card, addressed envelope and a piece of the terms of fine handwriting. read the conditions.

The base interest rate - 12. 9%. This is very fucking. It's so fucking cool that can not be true. And this, of course, is not. Read the fine print in my translation from the bank: ... In terms of the human 12. 9% - the interest rate for one month after the payment card product. Or just too on the fingers: first, interest-free period, then 12. 9%, and then be so kind as to pay 0. 12% of the day.

yes. The real interest rate on a map 0. 12% or even without the cap - 43.8 % per year. But you're smart boys and girls. And you know that if rent is accrued, the percentage will be even more. T. e. Taken at $ 100, you 'll now have 100. 12p. And tomorrow is not 100. 24, and does even 100.240144. Not much, but a drop sharpens a stone. For the year 5-6 % nabezhit.

All we would like to pay on time and accurately. But trouble happens. No sooner was not the right time for money - the business, then, a couple of days here and there. It would seem that, even if the bank takes a penalty for these two days, and all. But carefully read the fine print. Translated into ordinary human - Increased rate of 0. 20 % per day will be levied for delay in the month prior to the formation of the next - Account Statements. Egegey! .

But there's more surprises. Surcharge of 0. 89% each month for inclusion in a program of insurance coverage. I want to be insured or not - no one asks me,. UPD. In comments reported that if you ask when you make, the insurance will not connect you to.

And a wonderful committee of 2. 9% of 390r. for the commission of debit transactions in other credit institutions, non- cash operations, cash. T. e. if I want something to pay bank transfer via ATM, then flew to the grandmother - her then - No ATMs at TCS. The only way to fly is not - to use an online bank. In him you will pay 39 rubles a month, whatever - use or not. If you are using - a modest fee, but if not, then every month you are beginning to emerge debt on which interest rates begin to drop, and then penalties, if you allowed yourself to forget about this service.

With all due loyalty to credit cards, and I have connected at this time four credit cards from different banks - is the worst conditions. I can not say that such a credit card can not be used. But we must be very careful and active user of the product. If a credit card for you - the product is rarely used, and that your accuracy in payments are not too good, it is best to abandon the TCS map. Well, it's just expensive. More expensive than the most expensive credit card from my Russian Standard.

If I am wrong somewhere in the calculation, is ready to listen to the comments in the comments.

And, of course, thank you for 'you as a person with an active lifestyle. 'And' credit limit. you have already pre- approved '- these things are always nice to hear. It's unfortunate that the letter was signed by Oliver Hughes, and not by Oleg.

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Oh, how! . And what of this. Timeout. Gentlemen, if you write to me - be sure to ask where and how I'm wrong. I for my lawyer - enough to him in vain his bread hawala.

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