In modern life conditions, it often happens that a person's needs and desires do not quite correspond to his financial capabilities. What to do? To borrow the missing funds from friends? Or postpone the purchase until better times? Credit cards help us out a lot at such moments.
a plastic card?
This is a modern financial instrument, which is a plastic one with a certain amount charged on it. The bank provides a limit within which the cardholder can pay for his purchases and services received. The size of the limit is determined individually and depends, as a rule, on the income of the card recipient and his credit history.
Modern credit cards, such as, for example, the Tinkoff credit card, are distinguished by their simplicity and ease of use. This tool eliminates the ability to borrow money from friends and family or apply for a loan from a bank. But it should be understood that the funds on a credit card are borrowed, and they are subject to mandatory return.
About Tinkoff Credit Systems Bank
The history of Tinkoff Credit Systems Bank (hereinafter TCS) begins in 1994. Then the credit institution was called "Himmashbank". The bank was renamed in 2006, when it was acquired by Oleg Tinkov.
Bank TCS is the first bank in Russia to completely abandon branches (with the exception of the central branch in Moscow). All operations are performed remotely: by phone or on the Internet.
Operators of the round-the-clock support service will answer questions regarding banking operations, tell you about the bank's services and advise on any other issues that arise. For example, at any time of the day you can learn how to open or how to close a Tinkoff credit card.
The most popular cards of Tinkoff Credit Systems bank
TCS Bank issues the following types of credit cards:
- "Tinkoff Platinum"- one of the most popular bank cards, which provides the holder with a credit limit of up to 300,000 rubles. When making purchases and returning funds on time, the card user does not pay interest (the interest-free period of use is up to 55 days). For detailed information on how to obtain or how to close the Tinkoff card, you will find out later in our article.
- ALL Airlines- a card intended mainly for lovers of overseas recreation and travel. The credit limit for this card is up to 700,000 rubles. If you often have to use the services of airlines, this is the credit card for you. By making purchases of air tickets and any other purchases around the world, the user accumulates bonus miles that can be spent on other purchases. Next, we will talk more about how to open and how to close the Tinkoff card.
Other types of credit cards of TCS bank
- One Two Trip- a card that provides discounts on the purchase of air tickets. Bonuses (1% of its value) are awarded to the user from each purchase made with the card. Bonuses can be spent at any time you want. In addition, free travel insurance is provided to the cardholder.
- "Classmates"- a map designed for users of one of the popular social networks. If you are an active Odnoklassniki user, this card is for you! It is distinguished by its individual design. A card with a personal photo may be issued for you. In addition, when you pay for purchases with a card, you are credited with OKs, which you can spend on your favorite social network. The credit limit is 300,000 rubles.
Getting a credit card
There are two ways to become a cardholder from TCS bank:
- Fill out an online application on the official website of the bank. This process usually takes no more than 5 minutes. Site navigation is simple and convenient. After filling out the form, you can close the site. After the approval of the loan requested by you, the Tinkoff card will be delivered to your home free of charge and at any convenient time.
- If you find an offer from TCS for a credit card in your mailbox, you can also get it by following the instructions. You need to sign the documents sent in the letter and, by attaching a photocopy of your passport, send it back to the bank. The credit card will be delivered to you at the address provided.
After receiving the card, you need to activate it. To do this, just call the call center and, following the instructions of the voice service, receive a PIN-code. The card can now be used.
Can I close my Tinkoff credit card?
Opening a TCS card is a simple process. It is enough to fill out an application on the website and wait for confirmation. What about the closure? Perhaps you no longer need the card and you decided to refuse it. How to do everything right and not be in debts with the bank?
There is usually less information about the closure of credit cards. Most often, the holder just needs to come to the bank branch and contact a consultant. But what if the bank works remotely? After all, Tinkoff Credit Systems does not have representative offices in Russian cities.
It turns out that it is impossible to close the card? Not at all! Remember how you opened it. Remotely. Consequently, the Tinkoff card can be closed in the same way, that is, online. This procedure is simple and accessible to everyone.
Online closure of the TCS card
If you no longer need a credit card, do not rush to throw it in a distant drawer. It is very important to close the card first. Otherwise, even without using it, you can accumulate debts to the bank. It's not just about the annual service fee for the card. Additional services may be connected to your account. For example, SMS informing or insurance.
How to close the Tinkoff card via the Internet? This is not difficult. First, you need to make sure that you have no debt to the bank. To do this, simply call the call center or check your account using Internet banking.
In the absence of outstanding loans, you can close the card at any time. Call the operator and let them know your intention. Be prepared for the fact that the call center employee will ask you to tell him your passport details and the code word of the card.
But you can do it differently. In our age of information technology, use the Internet banking system. Block the card in your personal account, and then contact the call center and ask to terminate the contract.
Features of closing the map
You have decided to close a credit account and you already know how. You can close the Tinkoff card (apply for closure) at any time. But it should be understood that it will not be blocked instantly on the day of treatment. It will be necessary to wait for a certain period in which your application for closing an account will be considered, and the absence of arrears is verified. It is also necessary to pay the balances of the debt that could appear during the period of consideration of the application for closing.
After receiving confirmation from the operator about closing the account, check the status in your personal account. You can dispose of your Tinkoff credit card yourself.
It should be noted that the remote closing service, despite its convenience, is a rather rare phenomenon among Russian banks. Tinkoff Credit Systems Bank is one of the few financial institutions that provide it.
