To find out which categories you spend the most on, analyze your purchases over the past months. You can do this by viewing statistics in your mobile bank.
In the first months of using the card, track how much cashback you receive. The maximum amount is 3,000 points, which can be used to compensate for purchases (1 point is equal to 1 ruble). To receive up to 5,000 points, activate the “More is Possible” service for 299 ₽ per month. This is beneficial for those who make a lot of purchases. The service can be activated during periods of high spending, such as Black Friday or on the eve of the New Year holidays.
In order not to go beyond the grace period, you need to know when it starts. Most often, it is tied to the billing period, the date of which coincides with the date of card registration. If the credit card was issued on anhui mobile number database January 15, and the first purchase was made on February 13, the grace period will start on January 15. It is more profitable to wait for the start of a new billing period so that you have more time to pay off the debt.
To understand the terms, ask all questions to a bank employee before signing the agreement. If there are any ambiguities, do not hesitate to seek advice at the bank office or by phone.
Pay for your purchases actively
If you don't use a credit card, you don't get cashback bonuses and you pay for the service. Instead of paying for purchases with a debit card, use a credit card - it will be more profitable.
Don't make big expenses
Spend only as much as you can pay back before the end of the grace period. If you are planning a large purchase, it is better to apply for a cash loan. You will pay less interest on it, and the card will retain a limit for other spending.
Avoid percentages
Even if you do not have time to pay off the debt in full, try to put the maximum amount on the card before the end of the grace period. Overpayments and the size of the monthly payment depend on this. As soon as possible, return the entire amount to the credit card. A new grace period will immediately begin for you, and you will be able to use the funds you have allocated for purchases again.
The information in the article is current at the time of publication. Financial conditions may change. Please check the current data on the page of the product you are interested in. The Bank is not responsible for the use of outdated information.