Credit cards otp bank interest rate. Can I increase my credit limit? Special conditions for credit cards. Why does the bank increase the credit limit? How to make a transfer between your accounts in OTP Bank

Having received a credit card issued by OTP Bank, you can use it within the limits of the credit limit established by the agreement.

We are talking about the maximum amount of borrowed funds available to the owner of a plastic card when paying in stores by bank transfer and for withdrawing cash from ATMs.

Grounds for increasing the credit limit on the OTP Bank card

Each credit card has a certain amount of credit line. For example, when applying for a “Home Credit Card”, its owner can count on a limit ranging from 10,000 to 300,000 rubles.

The exact value is determined at the discretion of the OTP Bank specialist after studying the level of solvency of the client and his.

Thus, you can get a plastic card with a small limit, for example, in the amount of 100 thousand rubles. If this amount is not enough for you to make monthly purchases, the limit can be increased.

The basis for changing the size of the credit line is:

• increase in the client's salary;
• improving his credit history;
• long-term cooperation with the bank;
• use of other banking products.

As a rule, a small limit is set for new customers and persons who could not document their solvency. To count on the loyalty of a financial institution and more favorable terms of service, cards or accounts may be required.

How to increase the credit limit on the OTP Bank card?

Most financial institutions offer to increase the limit on a credit card on their own initiative after a few months of successfully using a banking product.

If you actively used the card and repaid monthly payments on time, the bank may send an SMS notification with a proposal to change the credit line.

The owner himself can also declare the need to increase the limit on the card. In order for the bank to make a positive decision, it will be necessary to provide documentary evidence of the existence of relevant grounds.

I have a credit card from OTP Bank, which I have been using for 2 years. I have never had any delinquencies or debts on this card. On the credit card of OTP Bank, I have a credit limit in the amount of UAH 10,000. Now I need money and I would like to increase the amount of the credit limit on the OTP bank credit card. What should I do if I want to increase the credit limit on the OTP bank card?

1. about 5 days ago

Dear visitors! We will improve the commenting form so that you can share your comments more conveniently. All comments that were written earlier, we posted below.

#6 ANDREY 02/03/2019 11:31
AND HOW IN OTP SMART YOU CAN INCREASE THE CREDIT LIMIT.

0 #5 Oksana 23.08.2018 09:29
Vitaly wrote:

OTP Bank will not be able to increase your credit limit without your contacting the branch. You can also increase the credit limit in OTP Bank through Internet banking OTP Smart. If you are not connected to OTP Smart, then go with the card to the branch.

0 #4 Vitaly 21.08.2018 07:28
I need to increase the credit limit on an existing credit card. How to do it? Where can I go or can it be done online?

1 #3 Elena 08.02.2018 11:09
The easiest way is to try to increase the credit limit online, through Internet banking, this is the most convenient. But on such sites there are failures in work and then you will not succeed. And if such a situation arises, then you will definitely have to contact the bank and the bank employee will arrange everything for you. Going to the bank is the most reliable and effective way to increase your credit limit.

1 #2 Olga 08.02.2018 10:37
Initially, you need to contact the bank employees and update your information in the database. Perhaps your income has changed, and then the limit will automatically close more. Exactly what you will have to contact the bank.

0 #1 Anna 01/31/2018 08:01
If you already have an OTP bank credit card and you are actively using it, you can increase the credit limit on the card by contacting an OTP bank branch.

If, according to the calculations of OTP Bank, your income allows you to increase the limit to a certain level, then it will be increased to you.

21.05.2015, 17:42
Natalia (Komsomolsk)

Hello! I would like to increase my credit card limit! How can I do this?

Natalia, according to the Rules for issuing and servicing bank cards in OTP Bank, you have the right to send a proposal to the Bank to increase the credit limit.

Such an offer may be sent in one of the following ways:

by submitting a written application in the prescribed form;

— by contacting the CC of the Bank or IVR by phone.

However, the Bank reserves the right to refuse to increase the credit limit without giving reasons. To clarify information about the possibility of increasing the credit limit on your card, you can contact the Contact Center at a free round-the-clock phone number 8-800-200-70-01 or via Skype otpbank_russia.

OTP Bank cards have a credit limit of up to 1.5 million rubles. It is set individually for each borrower.

The maximum available amount on the card depends on several parameters: a person’s credit history, his monthly income, presented during paperwork, etc.

If you receive an OTP Bank card for the first time, then the limit for you will be set lower than for those clients who have already turned to them for help.

On the official website of the organization, you can use a special calculator and calculate how much will be provided for you (these data will be approximate).

In your case, you can ask the specialists of OTP Bank for exact information about the size of the limit when applying for a credit card (or a regular loan) in one of its branches.

You can learn about the possibility of increasing the credit limit in OTP Bank:

• By contacting the bank office in your city.
• By calling the help center at 8-800-200-70-01 (works around the clock, the call is free).
• Calling via Skype to the number otpbank_russia .
• By sending an email request to [email protected].

The decision to increase the credit limit in each specific case depends on the borrower's risk level, which is determined by the results of scoring (solvency assessment system).

If the client responsibly repays the debt, often uses a credit card for non-cash payments, then the chances of approval of his application are high.

OTP Bank, a member of the international group OTP Group, has firmly established itself in the Russian financial services market. According to the results of rating agencies, the bank is among the 50 largest banks in Russia in terms of pos-lending, the size of assets and the number of customers.

Own funds can be placed on a credit card. For storage purposes, it is more profitable to use storage cards.

I receive a salary on the card of this bank. Can I get a credit card?

Certainly. If you receive a salary on a bank card, you can get a card on favorable terms. Contact the manager in charge of your company and fill out an application.

What should I do if I receive a message about a problem with the card?

If you receive an SMS or an e-mail with a message about a problem with the card, the need to change the PIN, or about debiting funds for an unknown transaction, contact the bank. Contact the bank only by the phone number indicated on the back of the card and do not use a mobile phone from SMS or an email address to communicate.

What features are available in Internet Banking?

OTPdirect allows you to manage your card account remotely. Using the service, you can receive information about receipts and debits from the account. Internet banking allows you to make transfers and pay for services.

To increase the credit limit on the card, it is necessary to provide the bank with documents confirming the financial condition - a certificate of income or an extract from the bank on the presence of a deposit. The bank can independently increase the limit based on the history of card transactions.

What to do if the credit card is lost?

• If a credit card is lost or stolen, first prevent its further use
• Contact the bank's customer support and block the card
• Request a card account statement and check it for payments that you did not make
• The card will need to be reissued

The ATM swallowed the card and does not give it back. What to do?

• If the ATM does not return the card, contact the phone number indicated on the ATM
• Follow the instructions of the bank officer
• As a rule, the card is returned at the office of the bank that owns the ATM in 1-3 days
• If you have any difficulties, please contact the customer support service of OTP Bank

Is it safe to use the card to pay in online stores?

Buy only from stores that you trust. For secure payment, connect the 3-D Secure service to the card.

How can I pay off card debt?

Credit cards can be repaid in one of the following convenient ways:

• Through ATMs and self-service terminals of OTP Bank (no commission)
• Through the service "Golden Crown", "Rapida", "CONTACT" (1%, min 50 rubles)
• In Svyaznoy (1%, min 50 rubles)
• From MTS account (2.5%, min 50 rubles)
• In payment terminals QIWI (1.5%, min 50 rubles), Eleksnet (1.4%, min 50 rubles), Cyberplat (1.5%, min 50 rubles)
• Postal transfer (1.5%, min 40 rubles)
• From card to card (bank commission)
• By bank transfer (bank commission)

In OTP Bank, customers can conduct dozens of financial transactions as quickly and conveniently as possible. Highly qualified employees of the bank will help you choose the best credit rate and issue a credit card to everyone.

Thanks to it, you can pay in a non-cash form in any store without the need to withdraw funds. Tariffs are selected individually, which will allow you not to get confused in a huge number of credit plans, but to choose the one that will ideally suit the client, depending on his official source of income and goals.

Depending on the type of plastic card, the interest on the OTP bank credit card will also differ.

Standard credit cards are perfect for customers who are used to spending money on small purchases often, but Gold type cards will be a godsend for wealthy customers who are forced to pay more for card maintenance, but in return they will receive more privileges.

The bank is loyal to its potential customers and will help you get a credit card even if you have only one passport of a citizen of the Russian Federation. But the clients themselves can slightly change the conditions for using the OTP credit card if, during the application process for the card, they provide a small package of documents that confirm their solvency.

To get a credit card from OTP Bank on favorable terms, you must fulfill several requirements:

• be a citizen of the Russian Federation who has reached the age of 21 at the time of issuing a credit card;
• no negative credit history;
• the presence of income that brings at least 7 thousand rubles a month;
• the presence of a residence permit near the branch of the OTP.

A certificate of income will help speed up the process of registration and make the interest rate an order of magnitude lower than without it. Only in rare cases can a bank refuse to issue a credit card to a client if he does not provide the minimum required documents or provides false data.

It is also important to remember that all data when filling out the questionnaire must be entered very carefully, without making mistakes. Be sure to indicate mobile phone number, without which the treasured plastic card cannot be seen.

To get a card, you need to contact the nearest bank branch and ask a credit consultant to issue an application form for a credit card. At the same time, he can advise the best credit plan and help you complete all the documents. But there is an even more convenient option - through the official website of OTP Bank. Thanks to this method, you can get a credit card without even leaving your home.

To do this, you need to go to the OTP website and find the section with the form for issuing a credit card, then fill it out and click on the “Submit” button. After that, the application will be processed and the bank will start checking the entered data.

A few days later, the specialist will contact the specified mobile phone number and clarify the conditions for using the credit card. It will be possible to pick it up either through the mail or at the nearest branch of the OTP.

Documents for a profitable loan agreement

Additional package of documents when applying for a credit card from OTP Bank:

1. passport of a citizen of the Russian Federation with a residence permit;
2. a photocopy of the work book with the current place of work;
3. a document confirming income in the form of 2-NDFL;
4. military ID if the client is under 27 years old;
5. any other document that can confirm the identity (passport, driver's license, TIN, SNILS).

Varieties and conditions of cards

The bank offers to issue one of two MasterCard credit cards - Standard and Gold. They differ in some terms of service, credit limit, interest rate and maximum loan term.

The Standard card can be obtained without a certificate of income, but the interest rate will not be very favorable (from 29.9% per annum). If you provide this certificate, the interest rate will start from 24%.

Remember that the commission for withdrawing funds from the OTP credit card will be debited in any case, so if you do not want to pay interest, then it is better to use credit funds for non-cash payments during the grace period.

Depending on the creditworthiness of the client, the bank may offer to increase the credit limit up to 1.5 million rubles . Convenient use of the grace period will allow you not to pay for the spent credit funds for 55 days. This is convenient for customers who make frequent purchases and receive instant refunds.

Issuing a Gold type card will provide advantages in the form of a reduced interest rate on a loan, an increased credit limit, the maximum loan period has also been increased, it is possible to receive discounts in popular OTP Bank partner stores, etc.

The advantage of OTP Bank is that it operates in the Russian Federation and neighboring countries. It has enough branches, ATMs can be found in many cities of the country.

Holders who are honest and responsible in repaying debts will always get a good attitude - the limit is increased, interest is reduced.

When applying for a credit card, the client must familiarize himself with the conditions for its activation and maintenance. OTP Bank, one of the TOP-50 largest banks in the Russian Federation, specializes in retail lending, and is also among the top ten credit card issuers. Therefore, this financial institution guarantees high-quality service and the most affordable loan processing programs.

What information is on the map?

A credit card acts as a convenient payment instrument, with which you can quickly cash out funds at an ATM, pay for goods in a retail network or online store, and pay for the use of services.

The client, who issued and received a plastic card for the first time, must carefully study the information posted on it. Most of the information on the front and back of the card is confidential. To conduct financial transactions, you need to remember that the card contains the following information:

• Card number.
• End date of the validity period. The credit card is considered active until the date indicated on it. Upon expiration, the card may be reissued.
• Name and surname of the owner.
• International payment system logo.
• A magnetic strip that should not be demagnetized or damaged.
• A place for the signature of the cardholder, without which it is not considered valid.
• Secret CVC-code (CVV-code) on the back of the card, which is responsible for confirming payments when paying through Internet services.

When issuing a card, a bank employee will definitely instruct the client: what data cannot be disclosed to third parties and what data must be entered when paying for an order online. In case of difficulties with using the card, OTP customers can seek help from bank employees. You can find the nearest branch using a detailed online map. By calling the hotline, you can get advice around the clock:

What is a pin code?

Each personal card issued to the client is not activated at the initial stage of use, which means that it cannot be used to pay on the Internet. To activate the card, follow the operator's instructions by calling: 8-800-200-70-02. After activating the card, the client is prompted to create a pin code.

Credit card activation is free of charge. Commission and interest are charged only in case of using credit funds.

The client can agree to a pin code generated and offered by the system, or independently select the desired set of numbers. Creating a secret entrance is a free service. It is impossible to carry out a financial transaction without a pin-code.

What is a credit limit?

All OTP credit cards have a credit limit. In other words, CL is the maximum amount that the bank can issue to the owner of this card. When making purchases or other cash expenditures, funds are withdrawn from the credit balance. After returning the spent money to the bank, as well as reimbursement of interest for using credit funds, the card balance is automatically replenished.

Credit funds are credited to the card in the national currency: Russian ruble.

When drawing up a contract for servicing and issuing a card, a bank employee informs the client about the amount of the credit limit. Forgetting this information, the client can clarify the data using online banking. In your personal account, you can not only clarify the credit limit, but also view information: how much money has already been spent. You can try to increase the limit by contacting the help desk by calling the number: 8-800-200-70-01.

Withdrawal percentage

The primary purpose of a credit card is to provide the client with the opportunity to make cashless payments for purchases made on the Internet. Nevertheless, OTP cardholders can withdraw money at an ATM of any bank that cooperates with the MPS: Visa or Mastercard. At the same time, it is important to take into account that the bank charges a higher percentage for cash withdrawals than for using funds when paying for online goods.

When using bank funds, it is necessary to take into account that from the moment of payment for the purchase on the Internet, the so-called grace period is activated. The billing period is valid for 55 days. During this time, the borrower can return the money to the bank without interest surcharge. However, the effect of this period does not apply to cashing out funds through an ATM.

What is the minimum payment?

With the active use of a credit card, it is important to take into account that for individuals the conditions are prescribed in the contract, according to which a certain amount is debited monthly to pay off the debt. You can deposit funds to repay the loan in several payments or in one amount. This amount is not fixed and may vary depending on the total debt.

How to pay by card in a store or online?

When making a purchase in the online store, the bank does not charge a commission. Only the amount that was indicated in the check is debited from the card. Cards of international payment systems (VISA, Mastercard) are suitable for paying for goods around the world.

To pay for an order on the Internet, you must specify the following information in the data entry fields: card number, card validity period, CVV code.

Thanks to credit funds, you can pay at a stationary store, restaurant or, for example, at a gas station. The principle of accruing interest for debiting funds through the terminal is similar to accruing interest when paying on the Internet.

How to pay off credit debt

The client does not bear any obligations to the OTP bank, if from the moment of activation of the card no payment has been made at the expense of credit funds. If the cardholder used the funds, it is necessary to regularly make payments to repay the loan, focusing on the account statement. In addition, the amount indicated in the payment must be paid in full no later than the date indicated in the statement.

Credit card holders can pay off the debt in full ahead of schedule. To carry out this operation, you must adhere to the following recommendations:

1. From the moment of making a decision on early repayment of the loan, stop using credit funds.
2. Specify the full amount of the debt in a convenient way: when contacting the bank; during a call to the hotline; using internet banking.
3. Pay off debt in full.
4. If there is a debt, repay the debt, taking into account the commission and interest, on the next payment date.
5. After depositing funds, contact the bank staff to verify that the funds have been credited.

You can deposit the amount to pay off the debt at a bank branch or using various online services.

The OTP credit card does not visually differ from most plastic cards and is linked to international payment systems. Thanks to a credit card, customers can make purchases on the Internet or pay for services through terminals with the ability to return credit funds to their balance within 55 days without interest.

I bought a new fridge from the store. More than 50% of its cost was paid in cash, but part of the money was not enough until full payment. The store requested a loan from OTP-Bank. Approval came within minutes. Issued quickly. About a year later, when the loan for the refrigerator was paid off. The bank sent me a registered credit card by mail with a limit of 28 thousand rubles. I used a card (withdrawn 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 increased. In another six months, the bank will increase the credit limit to 47,000 rubles. Naturally, I paid the minimum payment on time, which was assigned by the bank. One of the payments fell on the New Year holidays, that is, it had to be paid off on January 9, 2014 - I paid it off on time. And next month, the minimum wage had to be paid off by February 4, and I received the money on February 5. I came to the bank's office, explained the situation: what to do so that there is no delay? We threw up our hands - we can't help. Paid Feb 5th. Naturally a fine. And just in February, the credit card expired. The new one was reissued with a different number. It had to be activated. When the new card was delivered by courier, the activation order was indicated in the cover letter, I called the specified phone number to activate the card. The specialist asked me to wait and after a while replied that the bank refused to activate my 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 completely incomprehensible to me. It turns out that the bank "squeezes" everything that is possible from the clients, and then refuses to activate. Anything can happen in life - they can delay a salary or pension, but the bank should treat those customers who consistently pay the minimum payment with great confidence and provide some concessions. My payment was only one day late, besides, in February, after the 5th, I made a payment in full and more, but the bank treated me, to put it mildly, not decently.