What is American Express Credit Card? First of all, with its help, you can pay for purchases anywhere in the world, as well as receive pleasant bonuses. In the future, they can be spent on gifts and discounts. To get plastic, you need to fill out a form on the site. Travelers checks should also be mentioned.
Unfortunately, in our country they have not yet become widespread. Let's take a closer look at what American Express Bank is and what are the conditions for obtaining credit cards in it.
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Which banks work with American Express
American Express is one of the most valuable brands in the world. The bank's card products are designed primarily for wealthy people. The main difference between American Express credit cards and others is the amount of available credit limit.
In Russia, the representative of American is Russian Standard Bank. He promotes the product and provides a range of services for accepting credit cards for payment in retail outlets: he installs special equipment for accepting plastic and performs settlement operations. However, Russian Standard is not distinguished by a developed network of banks and ATMs, therefore certain difficulties may arise with the withdrawal of money.
Also, American traveller's checks can be purchased at Sberbank and Raiffeisenbank. They ensure the safety of your money while traveling abroad. According to the checks, the company is obliged to pay you the amount indicated in them.
How to get a credit card "American Express"
You can apply for a card on the website: https://americanexpress.ru For this you need:
- Indicate the amount of the desired loan.
- Enter personal data: full name, contact phone number and email address.
- Confirm data transfer rules.
- Within 25 seconds you will receive an SMS with a confirmation code.
- Indicate passport data, registration and residence addresses.
- After completing the questionnaire, send it to the bank.
- Employees of the organization will contact you within five minutes and communicate the decision.
- You can pick up the card at the nearest office or order courier delivery.
Important! When filling out the questionnaire, please provide only reliable data.
Issuance requirements
To receive a Russian Standard American Express card, you need to meet a number of requirements:
- age from 25 to 65 years;
- Russian citizenship;
- provide a passport, a second document of your choice and an application form.
Advantages and disadvantages
The benefits of the card include:
- quick decision on issuance: bank specialists will contact you within a couple of minutes;
- valid for five years;
- flexible loan repayment schedule: in full or with minimum payments;
- grace period up to 55 days;
- limit up to 299,000 rubles;
- online application: no need to waste time traveling to the bank and queues;
- participation in the bonus program. The accumulated points can be exchanged for prizes from program partners;
- connection to insurance programs;
- convenient management services for the American Express payment system;
- the presence of a chip;
- the ability to exchange traveler's checks. Where American Express traveller's checks are accepted, consider below;
- additional discounts and promotions from American Express. Cardholders receive up to 30% discounts in shops, cafes, hotels under the “Discount Club” program;
- the ability to buy goods in online stores in the United States (for example, pay "American Express" in the online suitcase store).
Disadvantages of the card:
- large late fees. For example, if you are late for the first time in payment, the fine is 500 rubles, and if in the second - 1000 rubles;
- for violation of the terms of payment of the amounts indicated in the final invoice-statement, a penalty in the amount of 0.2% of the arisen debt is charged for each day of delay;
- withdrawal restriction. The maximum amount per day is 100,000 rubles, per month - 300,000 rubles;
- high commission for cashing out;
- extension of the grace period only to non-cash payments;
- paid SMS service.
Important! Cardholders receive special support when traveling. They have the opportunity to urgently receive medical and other assistance. Card purchases are insured against damage or theft.
Where to pay and how to use
Where is American Express accepted? The client can pay with her at any point of sale where he sees the American Express logo. Unfortunately, there are not as many of them in Russia as we would like. You can also withdraw money from ATMs. First of all, these are ATMs of organizations "Russian Standard" and "Sberbank". Plus, it is possible to make money transfers from card to American Express card.
You can also purchase American Express Travelers Checks. Russian citizens are not quite used to them yet. However, it is one of the safest payment instruments. If you are traveling abroad, take your traveller's check with you. There may be problems with the card, but you can always exchange a check for cash. Where can I cash American Express travel checks? Both exchange offices and banks work with them.
Conclusion
Using the card is beneficial for those people who often travel abroad. This plastic is most widely used in America. In Europe, you can sometimes face a problem when the card is not accepted for payment. Travelers will appreciate the insurance that is already included in the card. American Express is only gaining popularity in Russia.
To issue a card, you need to go to the website of the Russian Standard Bank and fill out an online application. After sending the questionnaire, its employees will contact you within a couple of minutes and discuss all the conditions and further actions.
