My ratings for credit cards

Make a birthday present chief bablorubu!.
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It's no secret that I'm fond of almost a year collecting a variety of credit cards. It helped me when, when just saved when you just increased the liquidity of both personal and business.

Russian Standard.

It was a good card. I got it as a gift. Her first arriving home, I have successfully squander and received in the bank card is a re- reorder. The limit was ridiculous - 20 th. However, and this money I managed to spend, and then resumed when the limit has increased it to 35 thousand. and also ordered American Express - in Russia this card is the same bank. The main advantage of my cards - fixed payments. I do not know how many cooks in this pot - but I can at least to pay the entire loss of pulse in 1200r. regardless of the balance on the map. And the normal interest on the loan. Abnormal them to withdraw - 4. 9%. Well, do not remove - so spend. This is a general rule for all cards - waste directly from them, it will be cheaper. Yes, now these cards as I no longer produced, now the PC does the same card, as everywhere else - the interest on the loan more, the removal of smaller. However, the crisis had corrected, and now the PC can not withdraw cash. And it just threw the card at the very end of the purse.

Finservice.

He was a good bank. And the limit has been excellent - with the raid received 66 thousand. I had to use the card to zero, and then as a result of a successful summer close to zero. Before the crisis, managed to take ten, and then the ATMs stopped working, even at the reception. The result is known, all the cards Finservice went up to receive money and are essentially debit cards with a debt to repay. At present, the card is closed and, most likely, I will close by. The experiment was completed Finservice. By the way, idiotic percent it was the lousy bank. Fought for everything and excessively.

VTB -24.

They sent it by mail, and I decided not to give. Moreover, I have issued as many as 48 thousand. I shot, put, shot, put in, then closed the card to zero and in the midst of crisis is already used for lending to member. All that was required of her - time to close. But people can not believe it happened two consecutive delay. In the end we came out for early repayment, but the former does not return. Transferred to a debit card with debt. It remains only to close the debt, but not for me. IMHO, VTB - the zhlobsky Bank in Russia. Do not compromise, and at the same constant stories about kickbacks. Well, them in the ass.

Alfa- Bank.

Credit card I did not give. But I discovered a debit for 30 minutes. So, even in the midst of a banking crisis ATMs operated. Respect Alpha, although I personally do not like them. In many ways because of them, without fail, I deduced the money to pay, the presence of webmoney. Money is always waiting for me at an ATM. an island of tranquility.

Bank of Moscow.

Credit Card of the Year. The only card that I could always remove the limit. That I have closed for the delay (incorrectly calculated the monthly amount ), but reopened as soon as I entered the repayment schedule. I do not to find fault but to the quality of personnel on the street Theater. However, it has improved after the LH. Now I slowly close my map, trying not to use the limit.

Uralsib.

The second largest card. It was the first, but persistent problems with empty cash machines and in the end impossible to remove the card accountability have done their job. Map has ceased to be exchangeable and began working in the accumulation mode. But I know that at some luck I can, with its credit line to withdraw money.

That's simply a result of the liquidity crisis, my fell from 289 thousand. rub. up to 140 thousand. rub. It's a shame, of course. For business critical availability of working capital in sufficient quantities. And how do you have with credit cards?.

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But here. mortgage. Again, ' Hand in Hand '.

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