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The Bank may increase the credit card limit, even if you don't need it. Can this trigger excessive spending and is it easy to return to the old terms of service?
the Banks have become loyal to those who use credit cards. Thus, according to the National Bureau of credit histories (nbki), in the first quarter of this year, the average limit for these cards has increased to 55.5 thousand rubles — more than 11% year-on-year. According to the statistics Bureau "Equifax", in the first quarter, the same indicator was even higher — 56,1 thousand rubles, and this is the maximum value over the past three years.
From what suddenly such generosity? According to the Director of marketing of nbki Alexey Volkov, in recent years has improved the practice of credit scoring and behavior of the clients themselves. "It is in the segment of loans using credit card banks have established the most effective risk management. The situation also has the effect of decreasing the level of overdue debt on credit cards," explains the expert.
the figure affects the overall growth of issued credit cards, says the Deputy General Director of United credit Bureau Nicholas butchers. According to the Central Bank, last year the Russian banks have issued almost 3 million credit card issuance increased by 45%. And NCB estimates that in 2018, the players released 11.5 million such cards.
the Greater the limit for big spending?
the Activity of banks in issuance of credit cards and increasing limits is not yet reflected on the behavior of borrowers — the Russians do not have to spend much more. For the first quarter, the share of means used on credit cards decreased by 2.1 percentage points to 57.9 per cent, according to nbki. There changes think technical. The expenses of the borrowers is growing but not as fast as the limits on their credit cards, says butchers. "Over the past year the average debt of the borrower on a credit card increased by 8%, from 26 thousand to 28 thousand rubles. The average limit on the card over the same period increased by 15% from 61 thousand to 70 thousand rubles", — said the representative of the EDB.
the Increase in the limit on the credit card not only does not provoke the growth of spending, but does not increase customer loyalty. In the "people's rating" and the forum Banks.ru you can find reviews of citizens who are unhappy with such changes.
"I See only through this website, you can reduce the limit on the card installments. In the service office and via online chat I was refused, said it's impossible! Well, Yes, but how to increase without the consent — so it's always welcome!" — wrote client home Loan Bank. (Here and further the spelling and punctuation of the authors saved.)
Users generally ask the question: can the Bank, at its discretion, to "bestow" the client and can discard the changes?
"Great customer focus... In 3 nights in Moscow come to two "happy" SMS that I have increased the CR, I essno not asked, and why is it on this map more 40tr, BUT to get him back it is necessary to trudge into the office..." — shared at the forum Banks.ru the client of Promsvyazbank.
the people's Dissatisfaction is understandable. "Many customers, after rising rapidly I'm afraid to spend the received amount and want to get rid of this "temptation," — said the head of the risk analysis home Loan Bank Konstantin Zimin. In addition, the increase in the limit on credit card affects credit history. "The limit on the card is counted when calculating the total debt burden of the client and can affect his credit score," explains butcher.
Who deserves the bounty?
Players selective approach to increase the limit on the credit card, but almost always reserve that right. Banks.ru studied the conditions of issue and servicing credit cards of the institutions in the top 30 by assets — in the vast majority of contracts mentioned the Bank's right at its discretion to increase the limit on the credit card. Some banks are quick to point out in which cases this is possible.
"the Bank may increase the credit limit if: the absence of negative credit history of the client, an acceptable level of debt load on the client and allowed under the credit policy of the Bank assess the level of risk", — stated, for example, in the documentation of Alfa-Bank. This approach is confirmed in other large credit institutions.
raising the limit also depends on how actively the client uses the card, said Zimin. "As a rule takes three to six months to develop a full picture of gambling behavior. The Bank has developed special models that analyze and offer an increased limit. Basic impact characteristics: frequency of credit card usage, the amount spent, categories of purchases, the total period of use of the map and, most importantly, the absence of delinquencies" — lists the expert. He, however, emphasizes that if the client uses a small percentage of your current credit limit, the Bank might think that this is enough and will not offer to increase the allowable amount of expenses.
Tinkoff Bank increases credit card limits not more often than once in three months, explained in a press-service of the credit institution. Raiffeisenbank make such suggestions customers no more than twice a year, and not earlier than six months after the previous increase the limit, said the head of the credit cards of Raiffeisenbank Dmitry Kolovsky. "The frequency of a proposal to increase the limit depends inter alia from the ability and willingness of the client to use the additional credit limit", — said the head of credit cards of Bank "the East" Cristina Rogaine.
Silence gives consent?
As a rule, banks give the customer a little time to accept or reject the proposal to increase the limit on the credit card. For example, Sberbank, Promsvyazbank, UniCredit and Sovcombank misleading cardholders about the changes within five working days, the agricultural Bank and "Opening" — ten. The Bank's offer can be relevant for a longer period, if prescribed in the ad proposal.
But the reaction of the client banks are treated differently. The most common approach can be described with the phrase "silence gives consent". If the client does not respond to a message from a Bank or applying for a lower limit, it is considered that he approved of "boost". This approach, in particular, is practiced by the Post Bank, Rosselkhozbank, Sberbank and UniCredit. The latter, for example, uses contract language that, at first glance, looks paradoxical: "if for any reason the customer's consent has not been obtained, then the credit limit is agreed".
"FC Opening" and Raiffeisenbank believe that the customer agrees to increase the limit on the credit card if after the proposal performs operations on the map. "Our Bank increases the limit only if necessary to the client. The client receives the proposal to increase the limit, but it occurs at the time of the transaction, after which his debt exceeds the current limit," — said Zimin from the Bank "home Credit". The same policy applies in the Bank, Sovcombank, and Citibank. Credit Bank of Moscow requires customers action — consent with the proposal, they shall confirm, by submitting an application.
the Statement will have to submit and in that case, if you do not agree to increase the limit on the credit card. "Of course, the customer can change the limit on the card in the smaller side — it is enough to submit an application through remote services or contact the office of the Bank. Processing of such application shall be conducted immediately", — said the press service of the Bank "Russian Standard". In Tinkoff Bank stressed that when handling a customer can not only return the limit on the card, but also to improve it in the future.
However, checking of documentation, banks of the top 30 revealed that not all the players are ready to handle such applications remotely. Option is mentioned in the terms of service of credit cards of Alfa-Bank, Raiffeisenbank and Tinkoff Bank.
While the Civil code protects the Russians from the excessive generosity of the banks, says the head of Department of legal regulation of economic activities of the Financial University Gulnara Ruchkina. "Changing the terms of the agreement, list of services, tariffs should be subject to the procedures for modifying the contract, according to the rules of Chapter 29 of the civil code, in particular by drawing up a written supplementary agreement signed by both parties (part 1, articles 452, 820 of GK of the Russian Federation)", — said the lawyer. The possibility of unilateral change of contract terms may infringe on the rights of the consumer, so there is always a right to apply for reducing the limit. "If the Bank says no, the borrower has the right to seek protection of their rights in court. While to date the courts often side with borrowers and meet their demands on lowering the limits on a credit card," says Ruchkin.
Yulia KOSHKINA, Banki.ru
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