What is the cooling-off period?

This is a period (at least 4 or 48 hours) after receiving a credit card when the credit limit is not yet available. This period is needed so that you can decline the card if you realize that you have fallen under the influence of fraudsters or learned that they have taken out a loan in your name. Learn more about Federal Law No. 9-FZ dated February 13, 2025

How long does the period last?
At least 4 or 48 hours after concluding the credit agreement.

What determines the period length

The cooling-off period depends on the card's credit limit:

• up to 50,000 rubles — there is no cooling-off period;
• from 50,000 to 200,000 rubles — at least 4 hours;
  
• more than 200,000 rubles — at least 48 hours.