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INSTALLMENT PURCHASE PROGRAM

Pay for goods and services using the World MasterCard Black Edition® Card in the Bank's partner companies and return the debt by installments on a monthly basis without any extra payment.* The minimal amount of the purchase is 500 rubles.
Example: You purchased a package tour with the World MasterCard Black Edition Card for 200 000 rubles under the Installment Purchase Program with an installment period of 5 months and a monthly payment of 40 000 rubles. You will return 200 000 rubles in 5 installments of 40 000 rubles each every month. Another buyer would have to pay the full amount at once**

The list of partners, addresses and a possible Installment Period are available at www.cardcredit.ru in section Installment and Promos. To know whether the Installment Purchase service is available or not at a certain retail and service outlet, look for a sticker at the cash desk or ask the shop assistant.

Tell the cashier that you would like to pay for the goods (service) under the Installment Purchase Program using World MasterCard Black Edition Card. Upon payment with the Card, you will be issued a receipt, in which the Installment Period and a monthly payment amount will be specified.
* With respect to credits under the Installment Purchase Program, there are two options of application of basic rates in the tariffs: a) in case of a monthly payment b) in case of non-payment of a monthly payment. In case of early repayment by the customer of the principal amount in the monthly amount specified in the statement, until the payment date inclusively, basic interest on the credits amount will amount to nil. In case of non-payment of a monthly payment under credits under the Installment Purchase Program, basic interest shall be applied to the credit amount under the Installment Purchase Program in the amount of a monthly payment specified in the statement from the date of issue of credits to the payment date inclusively. Alternative interest shall be accrued from the day following the payment date.Here, basic interest determined for a monthly payment shall continue to be accrued on the remaining credit amount under the Installment Purchase Program less the monthly payment specified in the statement.
** The Installment Purchase Program shall cover cashless payment of goods (services) in the retail and service outlet partners of the bank listed at cardcredi.ru. Interest for use of the credit under the Installment Purchase Program shall not be charged if the full amount of the credit has been returned prior to the corresponding payment dates of equal monthly payments, the number of which is proportional to the installment period. The installment period shall be between 2 and 12 months (to be determined for a partner on a case-by-case basis). In case of non-payment of a monthly payment, basic interest, and from the day following the payment date – alternative interest, shall be accrued on the part of the credit under the Installment Purchase Program equal to a corresponding monthly payment upon the date of credit issue until the payment date (inclusively).