Having decided to terminate the use of a credit card, the user is obliged to take care of the correct closing. Sometimes customers simply throw it away, or put it aside.
Meanwhile, the bank continues to service the personal account, and additional services remain connected, even if the plastic is inactive.
According to this scheme, the client turns into a debtor, so the closing process must be approached with all responsibility.
A set of additional services is connected to almost all credit card accounts of Home Credit Bank. All of them facilitate the use of products and make it more convenient. As an example, we can cite the familiar to all sms informing.
Their settlement days are not defined by law. In addition, in order for the client to get a loan to zero, it is necessary to achieve a full settlement. However, it is not necessary to wait for the beginning of the next month on your own, since the payment for the next month arrives.
You can start closing a Home Credit Bank credit card and start terminating the agreement only after the bank's specialists issue a decision that the parties do not owe each other anything.
Special attention should be paid to interest on loans. If the money was transferred at the bank's office, however, the teller may have yesterday's information, which will leave an underpaid amount.
If the credit card balance is replenished through Internet banking, then the money can only come the next day, or even after weekends or holidays.
The result is similar. If the loan is paid in payment terminals, then there are usually no disadvantages, since the devices do not give change, and customers have to pay larger amounts.
The validity period of the plastic product does not exceed 3 years. Its owner may refuse to use plastic ahead of schedule.
Before submitting the corresponding application, the user must pay off all the debt on the account. The owner can find out its correct value in the following way:
Before closing a Home Credit Bank credit card, the procedure for closing an account must be approached with extreme caution. In general, the mechanism for closing a credit card is as follows:
What are the conditions for closing? , after the card is transferred to the bank. The main thing is that it be destroyed in front of the applicant. This is done by cutting the magnetic strip across.
This excludes the possibility of further misuse of the product by the bank. You cannot destroy it yourself, since it is the property of the bank, which can cause huge problems for the client.
The client comes back to the bank on the appointed date. You must have a copy of the application, a receipt of payment, and a personal Russian-style passport with you. Bank employees provide reconciliation results.
If it turns out that a small debt has already accumulated on the account, it will have to be paid in any case. It is more convenient to do this at the cash desk of Home Credit Bank.
Today, the requirements for closing a Home Credit Bank card are quite simple. The fact of payment, data on the full repayment of the debt and termination of the loan agreement must be confirmed by the relevant documents.
In some cases, Home Credit Bank employees insist on drawing up an application with a request to terminate the loan agreement. All documents must be kept for 3 years and one day after the expiration of the limitation period.
It is advisable to take care of disabling the package of additional services in advance. The client can leave the corresponding application by phone by calling the bank's call center. It should be borne in mind that even the fact of death is not the reason for closing the card.
The bank may simply not know about the death of the owner, but at the same time continue to service the client's account in full. Over time, all obligations automatically pass to the heir.
Until that time, all operations with a plastic account are against the law, including the closing process. To avoid this, the heir must inform the bank about the death of the client.
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 | Installment card "Conscience". |
Having changed his mind to use the bank's product, the holder can at any time refuse the services and terminate the current agreement. With the Home Credit Bank installment card, this is done according to a strictly defined algorithm. Violation of the procedure can lead to the formation of an impressive debt from a small amount that the borrower did not pay on time.
Issued by Home Credit Bank, in most cases it is issued online. On the bank's website, the applicant fills out an online form, indicates passport data and contacts. Such applications are considered by the robot - the program makes a preliminary decision, which is not final. The decision is made within 1-3 minutes.
If the decision is positive, the technical support operator contacts the applicant, clarifies the information, and offers to come to the office for the final processing of the card. If the applicant changes his mind about receiving a card, it is enough not to take any action. The card will not be issued until the candidate personally arrives at the office. Therefore, to refuse the services of the bank at this stage, you can simply ignore the offer.
It is more expedient to act by citizens who independently contact the bank and, in a conversation with the operator, cancel the previously submitted application. For all subsequent applications, the applicant will have to repeat the application procedure again.
If the client was satisfied with the conditions offered by the bank, and he applied to the office with documents, the refusal procedure will look a little different. According to the general rules, the bank issues an installment card as a non-registered one. Such products are issued quickly - if no discrepancies are found, the card will be in the client's pocket in 15-20 minutes. During this time, a person has the right to refuse bank services.
If the card is ready and handed over to the holder, you can refuse service only in the order of filing an application. Here it is more appropriate to use the term "closing" the card, since at the time of issuance, the client's data is entered into the database and a card account is opened in his name. Not using the card does not equate to actual refusal. You will need to follow the procedure for closing the card and account.
Card blocking is the first measure applied after its loss. If the holder has reason to fear for the safety of funds, he can block (suspend) the account. The period of blocking is limited by the needs of the cardholder. Each of the blocking methods is instant.
The most effective method that will allow you to instantly block the card and account. The owner needs to call a single toll-free number - 8-800-700-800-6 and inform the operator about blocking the account. The employee will find out the reasons, clarify the details of the owner, check the control information, after which the card will be blocked.
To do this, you will need to have a passport with you, to the data of which the card is linked. In addition, the employee will ask for a code word. The code word is assigned by the holder during registration. Until the moment of unblocking, which, at the request of the client, card transactions will be suspended.
To block a client with a passport is in any office of the bank. After checking the authenticity of the documents, and specifying the reason, the employee will block. The service is provided free of charge. The blocking period does not suspend the duration of the client's obligations. In case of loss of the physical carrier, the contract remains in force in the form in which it was previously. The client receives a duplicate card.
Without a passport, the operation will not be performed. If the documents were lost along with the card, then you will need to provide any identity document. It could be a driver's license or a military ID.
Immediately after registration, holders can use their personal account, in which certain transactions are made, the account status is checked, and other actions are performed. There is a special tab that allows you to block.
To do this, the holder must have a phone linked to the account. An SMS message will be sent to him in the form of confirmation that the operation is performed directly by the owner, and not by an unauthorized person.
Termination of service is made only after termination of the contract. Considering that Home Credit Bank does not send its products by mail, in order to terminate the agreement, the holder will have to personally come with documents and a card to any bank office in one of the cities of presence.
The agreement is not terminated remotely: neither through the personal account, nor through those who support the contract is not closed. The procedure is carried out only in the declarative order. If the user is temporarily outside the bank's presence, the service will be automatically terminated only after the expiration of the contract. By default, the service lasts 5 years, after which it can be renewed or not renewed - at the request of the client.
Closing is possible only in the absence of debt. The amount of debt can be viewed in your account or by ordering an account statement through the technical support service. The debt to the bank should not exceed 0.0 kopecks. The smallest amount can subsequently grow to a very tangible size, given that penalties exceed 29.8% per annum.
The mistake of a bank employee can also negatively affect the overall process, so it is recommended to be present in person during the termination of the contract and control everything. The process consists of the following steps:
If there really is no debt, the client is issued an appropriate statement. The card is not cut in front of the client, as some mistakenly believe. It will take time for the bank to completely close the contract and remove the account from the database. In practice, the period can be up to 45 days.
Home Credit can refuse to terminate the service only if there is a debt, in the case of a non-card holder, and in the absence of documents proving the identity of the client.
During the entire period of deleting card data from the database, any operations on it are terminated. This will not affect the position of the holder in any way - he has a documentary statement in his hands stating that Home Credit Bank agrees to terminate the contract and has no claims against the client.
Actual non-use of the card will not be grounds for its closure. It may not be used for several years in a row, after which the client will again be able to make purchases. For installment products of third-party banks, there is a rule according to which the contract is suspended if the card is not used for a certain time. This circumstance can be considered an indirect minus of the offer from Home Credit Bank.
According to experts in the banking sector, Home Credit Bank faced serious problems in 2018 and may be on the verge of bankruptcy and revocation of its license. Is it true? Read the latest news about Home Credit Bank and make informed investment decisions.
In Russia, news about problems in a particular bank has recently become more frequent. Before the scandal around the backbone Moscow Credit Bank had subsided, which had not served customers for a week, for an official reason, allegedly due to a system update, rumors began to circulate on the Web that something strange had begun to happen to the Home Credit bank. ".
In the last few days, people began to complain that the employees of this financial institution, under any pretext, refuse to give money after the expiration of the deposit, and, according to clients, we are talking about both foreign currency and ruble deposits.
The correspondent of Russian Monitor analyzed the latest reviews of the bank on the website Banki.ru and came to the conclusion that the problems in its work did not begin yesterday, and these problems are connected not only with the payment of deposits. In particular, if you believe the review dated October 3, one of the clients cannot receive insurance for more than a month after the loan is repaid:
There were also complaints that the financial institution reserves the right to change the conditions for calculating interest on a debit card. The review, by the way, is also “fresh” - dated October 3:
Indeed, there are numerous complaints on the site that Home Credit refuses to issue deposits upon the expiration of the deposit period, even despite the fact that customers, as prescribed in the contract, ordered the appropriate amount in advance and notified the financial institution of their readiness to withdraw facilities. In particular, as one of the bank’s users wrote on October 2, on September 29 he ordered the required amount via chat, and on October 1, upon arriving at the bank for cash, it turned out that there was no order. As a result, with grief in half, the person “knocked out” half of the money, while the second half is still “hung” either in his account, or it’s not clear where at all. More details about the text of the review can be found here.
In general, in the period from October 1 to October 3, inclusive, the author of these lines counted 17 negative reviews about Home Credit on the Banki.ru website out of 29 left in the specified period of time. Basically, people complain about the presence of “pitfalls” in the course of cooperation (lower than previously agreed interest on debit cards, etc.), about the disgusting quality of service and, indeed, about the refusal to issue deposits under all possible pretexts.
What exactly the problems are connected with is not yet clear - no official information and explanations have been received from the bank, however, among members of the Internet community there are increasingly fears about whether they will have to receive their money through the deposit insurance association.
Home Credit Bank is a commercial financial institution that is one of the leaders in the domestic consumer lending market. It was established in 1997, the former name is Technopolis. The authorized capital as of 2016 is 4.4 billion rubles. It ranks 26th in the rating of the largest Russian banks in terms of capital and 32nd out of 46 in terms of net assets.
Rumor has it that the Home Credit Bank is closing this year, 2017. Such thoughts among consumers of banking services were provoked by the active reduction of bank branches, which mercilessly swept across the country last year and affected a significant number of branches. In fact, one in four was laid off. What is really going on in this banking corporation?
Indeed, the Central Bank of Russia continues to close banking organizations, revoking licenses from those who have ceased to inspire confidence. What can actually precede the closure of a financial corporation?
Despite the fact that the bank is actively closing offices, deposits are issued without delay. And the Central Bank has no claims against him. This is sufficient evidence that, at least in 2017, the closure does not threaten him.
The whole situation was provoked by the active optimization of the branch system, which began after the loss-making 2014. The overgrown network ate up a huge amount of cash resources, not returning in revenge either a significant number of depositors or promising customers. Huge sums were spent on the maintenance of offices in sparsely populated regions, on the salaries of qualified employees. It turned out that the network began to yield only to such a huge financial association as Sberbank of Russia!
As a result of consideration of the current situation, the top management decided to reduce the network of bank branches, making virtual, remote customer service more active. About 800 million rubles were allocated for changes in the bank's work, which were used to dismantle equipment, transport costs and receive severance pay for laid-off employees.
The hotline phone will always tell you if there is still a branch in your city or microdistrict. Meanwhile, the Home Credit Bank is not closing, branches are being closed in towns with a population of less than 500,000 people, and in more populous cities, the process of consolidation of existing branches is underway.
Unprofitable points that bring little income will be closed. If in any district of the region the branch is actively working, there will be no talk of closing.
If a branch close to you is closed, you can use the services of Internet banking. Thus, you can work with accounts, order bank cards, make payments and perform all the basic operations that customers usually need.
If you are a depositor, the expiration of the deposit period will be notified by phone, and the address of the nearest office where you can contact to receive the invested funds is indicated exactly. If, for any reason, the contract is terminated at the initiative of the client, payments will be made at the “On Demand” tariffs.
It is worth noting that the services that the bank provides via the Internet continue to expand, and more and more customers prefer working with the bank electronically. This is convenient not only for the bank, but also for ordinary citizens who prefer to save their time and effort.
So far, we are only talking about reducing the number of offices.
One of the leaders in retail lending, Home Credit Bank, plans to reduce the number of its offices in the Volgograd Region from 22 to 16 soon. The Bank's management officially announced that it plans to close about 200 offices throughout Russia. Explaining this decision by the fact that the main reasons forcing the bank to optimize are the general slowdown in economic growth and the consequences of the measures introduced by the regulator in 2013.
Recently, almost any news about banks is considered by analysts from the point of view of possible harbingers of license revocation.
Talking about the revocation of a license from a functioning Bank is an incorrect question. At the same time, in the offices of the HCF, employees worried about the upcoming layoffs are whispering about the more unfavorable prospects for the Bank.
We tried to give consideration to two options for the development of the situation.
The option is pessimistic. Such a sharp reduction is a harbinger of problems with the license.
For example, Sberbank offers for those wishing to open a deposit are limited on average to 7-8% per annum.
It should be understood that such an active attraction of depositors with a high interest rate may mean that HCFB Bank simply does not have enough own funds for working activities.
As it usually happens, the percentage of default is covered by the high interest rate on the loan. It turns out that conscientious borrowers "pay" the Bank's losses on non-performing loans.
It turns out, the semblance of a new "soap bubble". Sooner or later, the policy of issuing loans "indiscriminately" leads to the fact that the portfolio of low-quality loans begins to grow, and "solvent" borrowers simply run out.
This scenario takes place, only an additional impetus to the movement towards the abyss is added by the general economic stagnation in the country, which begins to lead to non-payments and delays on the part of previously solvent customers.
It turns out that the total delay increases sharply. The bank, by virtue of its strategy, sells "bad loans" to collectors at bargain prices, receiving a penny for them. Not to do this is to fall into the field of view of the Central Bank of Russia, which very tightly controls the increase in the share of overdue loans.
At the same time, a machine of several hundred offices throughout the country continues to issue loans 365 days a year, and the bank constantly needs working capital. Where to get them? Attract deposits by offering a high interest rate.
What will happen if the Central Bank of the Russian Federation issues an order similar to the one issued by Svyaznoy Bank to limit the growth of the deposit portfolio and what to do when, due to the economic downturn and the debt load of the population, the volume of “quality” loans drops sharply - obviously no one thinks. Or consider it pointless...
The option is optimistic. The management of HCFB Bank was the first in the industry to take tough measures so that the Bank could survive the crisis and maintain its market share.
The revocation of the license from such a large bank is too serious a shock for the financial market. HCF Bank is not your usual “laundry bank” – problems with a license for such a large bank can lead to unmanageable consequences for the market as a whole. In this regard, the Central Bank of the Russian Federation, even having claims against the Bank and its manner of issuing consumer unsecured loans, will prefer harsh methods of persuasion, but not revocation of the license.
2. Home Credit Bank belongs to the international banking group and it is obvious that it follows a financial approach in its strategy. In any case, the economic downturn is not a reason to sit idly by.
A sharp reduction in volume today will save the Bank from possible catastrophic consequences if the financial crisis of the 2008 model breaks out or stagnation drags on for many years.
In this regard, the reduction of offices is a pre-crisis measure and proactive work of the Bank's management.
