You will need
- - the passport.
Purchase on credit on the railway started on 1 June 2012. Noteworthy is the fact that the borrowed funds gives you a single Bank with which the railway - OAO KB "Vostochny". He dictates the terms of the loan to pay for the ticket.
The ticket is issued on credit, should cost no less than 1000 and not more than 25000 R. If the price of your travel document longer permitted, the difference can be paid in cash. Buying ticket for borrowed funds is the same as usual, is over the counter. Present your passport, and experts-the cashiers will issue the contract and will give you a plastic credit card. It you will pay for the purchase. According to experts, the entire procedure should not take more than 20 minutes. With 2 minutes to go on the loan, and the rest to give you a travel document and remove the card money.
The main advantage of card is that she has a grace period, i.e. within 55 days you can repay the loan money from the Bank without any Commission for their use. Disadvantage of this method of obtaining a loan that you will have to pay for the issue and service of cards. About 1,000 R.
To buy a ticket to a loan with a conventional consumer loan. You just need to make a contract with any acceptable financial institution, to obtain for him the necessary sum and to buy their travel document on the plane. On the same principle, you can buy a ticket on the train, bus, cruise ship, etc.
Alternatively, can use his own credit card, not necessarily released in KB "East". Just come to the box office the train station or airline and pay for purchases using your existing "plastic". Remember that the bus insurance companies do not always accept cards, so before buying a ticket to the center first remove the necessary amount. To repay the debt on the card will be under your loan agreement at registration of this credit card.
Advice 2: How to buy a ticket on the Russian Railways loan
Service for the sale of train tickets on credit running Railways in partnership with one of the banks from the end of may 2012. It is intended primarily for those who lost money on the trip, so that people could return home. But it is not required. The main thing that the passenger meets the requirements of the Bank to the borrower.
You will need
- - passport;
- - visit to a specialized cashier Railways.
Find specialized cashier Railways, selling tickets on credit. At the beginning of the provision of services such appeared only in major cities railway stations and Transagentstvo. But over time their number should increase with the coverage of smaller stations.
Inform the cashier that you want to purchase a ticket on credit and present your passport. Also answer the additional questions of the cashier. Most likely, the Bank will need information about your place of work, average monthly income, various contact phone numbers: home, work, mobile. If your current address differs from the one in the passport the place of residence, also inform him. The decision about the credit of Bank, the assurance of its representatives and the management of the Railways, takes about two minutes.
Verbalize all information about a future trip in case of a positive decision on the loan when and where you are going, how many tickets you need, in one direction or back and forth, comments on departure time or train number, type and class of the car, comments about the tier of seats (upper or lower), their location (in the same compartment, not near the toilet, not the side of the reserved seat, etc.), existing passengers benefits if any.
Make a selection from the cashier options. If necessary and possible ask to see what is offered on other dates.
Pay for your ticket with a credit card, which the cashier will issue you with positive decision of the Bank regarding the loan. Will receive a printed form of the ticket and check it on the spot.
Ask the cashier about the available methods of repayment. Try to repay the debt within fifty-five days from the moment of ticket issuance. This will allow you not to overpay for the loan of a penny.
To acquire a loan can be ticket worth from one to twenty five thousand rubles. The tickets cheaper or more expensive than the defined limits it is not available.
Is the advice useful?
If you have any a credit card you can use it to buy a ticket in the Railways, receiving the card, or on the company's website (or the websites of the intermediaries, but there will have to spend extra on their Commission), including within the available credit limit. To do this, tell the cashier that you wish to pay by card and present the card. A website, enter its details (number, expiration date, owner name, code on the reverse side) in their intended field. The possibility of interest-free loan repayment and the period during which it is available, thus depends on the particular Bank. Some grace period can reach two hundred days, but more often fifty or sixty.
To take credit for a travel document is only in the case that had some kind of force majeure and urgent need to go, and no money. Otherwise, you will spend much more on overpayment of accrued interest.