A universal method of using borrowed funds is a bank credit card. You can use it to pay for almost any purchase and even withdraw cash from an ATM. Today you can get a credit card with a certain limit at any licensed financial institution, but some banks have begun to introduce restrictions: “One client – one card.”
Large banks of the Russian Federation have limited the issuance of credit cards to one person due to changes in the basic conditions of the Central Bank for maintaining the debt burden indicator (PDI). Such actions are a forced measure used to artificially reduce the resulting high level of debt among civilians.
Where and what prohibitions are already in effect
- The T-Bank administration informed that they can open only one credit card in existing programs.
- In OTP Bank, in connection with the launch of a special risk-appropriate policy, they are also issuing one credit card.
- The popular Alfa Bank and Uralsib reported that they can issue and issue today one client no more than two credit cards without justification for such a restriction.
- Only MTS Bank and Zenit are still allowed to issue more than one card and there is nothing about the possibility of introducing bans heard.
Many independent experts associate the tightening of such policies with measures to combat fraud. It is absolutely clear that issuing a second credit card to the same client by the same bank makes very suspicious economic sense. It is much easier for a client to adjust the limit on an existing previously issued card than to issue a new one.
Statistics data
At the end of the past month, the total amount of debt of Russians on bank credit cards reached a record 4. 8 trillion rubles. And this figure is 42% more than the same period last year. According to the credit history bureau "Scoring Bureau", the number of cards issued increased over the year by 11%, to 94 million, of which 7 million were not serviced by borrowers on time.
Conclusion
Most credit cards do not require a service fee. Taking into account the further tightening of the Central Bank's policy in the future, it will be much more difficult to issue them and will even become impossible for certain categories of citizens. Therefore, you should not delay with your order, which can be done without leaving your home through the bank’s website. Some institutions provide the service of delivering a contract and a card sealed in an envelope to the specified address.
