General questions

A credit card is a modern financial instrument for carrying out transactions, settlements for which are made at the expense of funds provided by the bank to the client within the credit limit.

A credit card is especially convenient if you urgently need money: the funds on the card can be used at your discretion, for example, to pay for purchases in a store, including online, withdraw cash or make transfers; at the same time, by repaying your debt, you restore your credit limit, and funds will once again be available to you for further transactions.

You can ознакомиться with the list of transactions covered by the interest-free (grace) period via the link.

The similarity between a credit card and a debit card is that they can be used to pay for purchases, including online in online stores, make card-to-card transfers, between your own accounts and beyond, withdraw cash.

A credit card differs from a debit card in that it allows you to use the bank's funds, while a debit card allows you to use only your own funds. In addition, a credit card has an interest-free (grace) period when you use the bank's funds and do not pay interest for it.

At the same time, a credit card cannot be used as a payroll card and, unlike a debit card, it cannot be linked to a loan or mortgage account for a more convenient way to pay off the loan.

Externally, plastic cards differ not only in design, but also in the presence of the words DEBIT and CREDIT on the front side, respectively.

A personal loan and a credit card are similar in that the bank approves a certain amount for the customer, which they can spend, for example, on purchases.

The main advantage of a credit card is the availability of an interest-free (grace) period, during which you can use the bank's money within the credit limit and not pay any interest for it. For a personal loan, interest accrues from the first day of using the funds.

Another difference is that for a credit card, the payments made restore the credit limit, and this money becomes available again for use. For a personal loan, payments only reduce the amount of debt, and the credit agreement has a fixed term.

To choose the most suitable credit card, you need to determine what you need it for. For some clients, it is important to receive bonuses for purchases, while for others cash withdrawals are important.

Bank Uralsib offers its clients a choice of cards that will meet any needs:

1. "120 Days at Maximum" credit card, this card is for those who value freedom. It allows you to withdraw cash free of charge and transfer money from the card. And the grace period of up to 120 days will give you greater flexibility when planning everyday expenses. See the terms and conditions.
2. "Cashback" credit card, this card is for those who value benefits. It allows you to get 1% of purchases back in bonus rubles and up to 30% for purchases from the bank's partners. The rate under the loyalty program depends only on you. See the terms and conditions.
   
3. "Premium" credit card is suitable for clients who are used to getting the very best: a long grace period of up to 120 days, free cash withdrawals and card transfers, as well as cashback from the MIR payment system — 5% under the "Privet MIR" loyalty program and up to 30% from the payment system's partners.
   

A credit card gives access to a credit limit.

A credit limit is the amount within which the bank is prepared to provide you with credit. The credit limit is provided for the payment of goods or services, cash withdrawal, as well as money transfers from card to card.

The credit limit is revolving — this means that after you have repaid the bank a certain amount, it can again be borrowed from the bank on credit.

Any citizen of Russia aged 20 to 67 with permanent registration in the territory of the Russian Federation may apply for a credit card. And if you have an offer from the bank, then the age range is from 20 to 75.

Work experience at your latest place of employment is also important — at least 3 months inclusive, as well as income.

To submit an application, a passport of a citizen of the Russian Federation is sufficient.

Credit history is the most important factor when making a decision on granting a loan.

Credit history is a record that contains all operations related to the borrower's loans: which banks issued loans or credit cards, the amount of debt, and whether the client pays on time under their obligations. The history is stored in special organizations — credit history bureaus (CHB).

Through the Gosuslugi portal, you can view the list of organizations that store the history of your loans, and this list can be viewed online and free of charge. You can also use this report to check whether any loans have been issued in your name.

In order to find out your credit history, you need to:

1. Confirm your Gosuslugi portal account
2. Submit an application to receive the electronic service
3. Wait for the list of organizations to appear in your personal account. There will be a table with addresses, names, and phone numbers of the bureaus.

It is worth thinking about the quality of your credit history earlier than when you plan to submit an application for a large loan, for example, for a mortgage. You can improve your credit history in the following ways:

1. Take out a small personal loan and repay it without delays. This way you will prove your solvency.
2. Apply for a credit card and pay with it as often as possible to increase your credit rating. The main thing is not to forget to make payments on time.
3. Take out a microloan and repay it. With this option, it is necessary to carefully choose an MFI: the company must be included in the register of MFIs of the Bank of Russia.
4. If you have a little spare money, open a deposit with the bank where you plan to borrow in the future. This will improve your reputation.

Yes, you can apply for a credit card.

You can review the requirements via the link.

To close a credit card, it is not enough to simply block the plastic card. To do this, you need to visit the nearest bank branch and submit an application to terminate the credit agreement. After that, the credit limit will be reset to zero. At the same time, you will need to fully repay the outstanding amount together with interest, if it has been accrued.

You can always check the full outstanding amount in your personal account in the mobile app or the web version of Uralsib Online.

The credit card account will be closed 40 days after you submit an application to terminate the credit agreement. After this period expires, you can request from the bank a certificate confirming the loan closure.