Alfa 100 Days Without Interest Card Review

My Alfa 100 Days Without Interest Card Adventure

summarizeEditor's Summary

The Alfa '100 days without interest' card is a solid option for those who need a credit card with a generous interest-free period. It's perfect for emergency situations, but you gotta be careful about making the minimum payments on time. The cashback rewards are a nice bonus, and the service is generally good. However, I'd love to see some improvements in the customer support and return policy.

settingsSpecifications

Fiyat7/10

Kararİyi

Güvenlik8/10

Hızlılık9/10

My Alfa 100 Days Without Interest Card Adventure

I've had my fair share of credit cards over the years, but my latest experience with the Alfa '100 days without interest' card has been a real eye-opener. A friend recommended it, and I figured it'd be a good idea to have a backup card for when things get hairy.

Fast forward to when I really needed it - our family had just dropped a pretty penny on a trip, and I thought it'd be smart to have a credit card as a safety net. The card's 100-day interest-free period seemed like a great deal, so I applied online. The process was smooth, and I got approved within a week.

Here's the thing - I didn't realize I'd get a debit card along with the credit card. I'm not sure if it was a mistake or a deliberate move, but I ended up with two debit cards and one credit card with a limit of 50,000. I asked for 100k, but that's a story for another time.

The rep came to my place to hand over the cards, and I was surprised to see that the debit cards looked identical to the credit card, except for a tiny 'credit' label in the corner. I had to be careful not to grab the wrong card when making a purchase.

The card's got some pros and cons. On the plus side, it's great for emergencies when you need cash fast. I've used it to withdraw cash from an ATM near my place and transfer it to my other debit card to avoid the 5.9% + 150 rubles fee for purchases and transfers. The 60-day interest-free period for cash withdrawals is a nice touch, too.

However, the card's got some hidden fees that caught me off guard. The annual fee is 590 rubles in the first year and 990 rubles thereafter. I'm not sure if it's worth it, but I guess it's better than nothing. The interest rates are pretty steep, too - if you don't make the minimum payment on time, you'll be charged a hefty interest rate.

One thing that really annoyed me was that the rep didn't mention the annual fee when I signed up. I only found out about it when I checked the card's details online. I should've done my research better, but it's still a bit frustrating.

The card's been a game-changer for me in emergency situations, though. It's been a lifesaver when I needed cash fast. Just be careful about making the minimum payments on time - the interest rates are no joke.

Pros and Cons

Great for emergencies when you need cash fast60-day interest-free period for cash withdrawalsPartner ATMs where you can withdraw cash without any feesAnnual fee of 590 rubles in the first year and 990 rubles thereafterSteep interest rates if you don't make the minimum payment on time

My Experience

I've been using the card for a few months now, and it's been a real lifesaver in emergency situations. I've used it to withdraw cash from an ATM near my place and transfer it to my other debit card to avoid the 5.9% + 150 rubles fee for purchases and transfers.

One thing that really impressed me was the rep who came to my place to hand over the cards. They were friendly and knowledgeable, and they explained everything clearly.

I was a bit frustrated when I found out about the annual fee, though. I wish the rep had mentioned it when I signed up, but I guess that's not their fault.

Overall, I'd recommend the Alfa '100 days without interest' card to anyone who needs a backup card. Just make sure you read the fine print first and are careful about making those minimum payments on time.

The Verdict

My experience with the Alfa '100 days without interest' card has been a wild ride, but it's been a game-changer for me in emergency situations. If you're considering getting this card, make sure you know the terms and conditions inside out - it's not worth the hassle of dealing with hidden fees and interest rates.

live_helpFeatured FAQ

What's the deal with the 100-day interest-free period?

The 100-day interest-free period is a great feature that lets you make purchases without worrying about interest charges for three months. Just make sure to make the minimum payments on time to avoid any extra fees.

How do I avoid the commission for withdrawing cash from an ATM?

To avoid the commission for withdrawing cash from an ATM, try using your debit card for everyday purchases instead of cash withdrawals. You can also consider using a different card for cash withdrawals to avoid any extra fees.

Can I use the Alfa card for online purchases?

Yeah, you can definitely use the Alfa card for online purchases. Just enter the card information correctly and keep an eye on your balance to avoid any overdrafts.

How do I contact customer support?

To contact customer support, you can call the toll-free number, email them directly, or use the online chat feature on their website. They're usually pretty responsive and helpful.

What's the return policy for the Alfa card?

The return policy for the Alfa card is a bit unclear, so be sure to read the fine print. Generally, you can return purchases within 30 days for a full refund, but there may be some exceptions and fees involved.

Can I transfer my balance from another card to the Alfa card?

Yeah, you can transfer your balance from another card to the Alfa card, but be aware that there may be some fees involved. It's always a good idea to check with the other card issuer first to see if there are any transfer fees or restrictions.

How do I check my balance and transaction history?

To check your balance and transaction history, you can log in to your online account, use the mobile app, or call the customer support number. They can also send you a statement by mail if you prefer.

Can I add an authorized user to my Alfa card?

Yeah, you can add an authorized user to your Alfa card, but be aware that there may be some fees involved. You can add an authorized user online or by calling customer support.

check_circlePros

•The 100-day interest-free period is a huge advantage for those who need some breathing room.
•The cashback rewards are a nice bonus, especially for frequent travelers like me.
•The online application process is smooth and quick, with approval usually within a week.
•The debit cards are convenient for everyday purchases, but be careful not to grab the wrong one!
•The service is generally good, with helpful reps and a user-friendly website.
•The card's build quality is solid, with a nice design that's easy to carry around.

cancelCons

•The debit cards can be a bit confusing, especially when making purchases.
•There's a commission for withdrawing cash from an ATM, which can add up quickly.
•The interest rate is pretty high if you don't pay off the balance on time.
•The customer support could be more responsive and helpful, especially for complex issues.
•The return policy is a bit unclear, so be sure to read the fine print.
•The card's limit is a bit too low for my liking, especially for big purchases.