Clients of major Russian banks, such as VTB, Renaissance, Pochta Bank, complain about a sudden decrease in credit card limits or their complete cancellation without any notifications. The situation is not related to the integrity of customers - among the victims are many customers who have never been overdue.
Formally, banks explain the reduction in limits by the need to equalize reserves, since they need to constantly keep a reserve for credit card users, as well as risk management in case of a shortage of funds with the growth of overdue debt.
Experts in the field note that this step may be due to the fact that customers who close their debts in the interest-free period are simply unprofitable for the bank - they do not pay for the use of borrowed funds, and most often they also receive increased cashback. Approximately the same situation with customers who keep credit cards as a reserve - the bank is forced to freeze working capital for possible use, and in the context of a high interest rate of the Central Bank, it is preferable to simply "reset" the client.
Read more materials on the topic:
Now on home
Герой России Гарнаев: никто из профессионалов о возобновлении производства на КАЗ всерьёз не говорит
Система отслеживает спутники на высотах до 50 000 км и ведёт за ними наблюдение
The armored vehicle is equipped with a KamAZ-740.35-400 diesel engine with a power of 400 hp.
Constant improvements in avionics, weapons and tactical capabilities will make the aircraft a flexible response to future challenges
The exterior of the KamAZ-54901 features fairings on the cab and chassis for fuel economy
Fighters are in demand both domestically and abroad
Tyazhpromexport and Venezuela Agree on Plant Revival
The company not only completed the state order, but also quickly mastered the production of AK-12K for special forces
Experts have developed a photogrammetric complex with a resolution of less than 1 cm
