OREANDA-NEWS. July 09, 2010. Effective through June and July, the special offer is open to anyone with a Uniastrum card or loan issued under the Bank’s U-Pay, U-Balance or U-Money lending programs, reported the press-centre of Uniastrum.

To take full advantage of this shopping scheme, Rendez-Vous chain store and Uniastrum customers in Moscow and Moscow region simply have to pick up a special Bank “UB Card Bargain Buys” information leaflet. Inside they will find an individual identification number that needs to be quoted when completing an application form for a card or personal loan.

In line with the terms of the sales promotion, between June 1 and July 30 this year, anyone can use the information leaflet to apply for a Uniastrum credit card or a personal loan, choosing from the Bank’s U-Pay, U-Balance or U-Money lending options. Persons participating in the promotion who use their card to buy a total Rb 15,000 in Rendez-Vous stores before 2011 will have Rb 500 credited to their bank card.

What’s more, Uniastrum is offering promo participants Rb 1,000 back on UB card purchases made in any other store totaling upwards of Rb 75,000.

Credit card and personal loan application forms can be completed at the Bank’s banking centers throughout Moscow and the Moscow region, by applying online at www.uniastrum.com, or by calling Uniastrum’s Information Center at (495) 744-04-04.

Uniastrum’s U-Pay, U-Balance, and U-Money lending programs offer credit on easy terms, and can also be used for refinancing loans with other banks.

Uniastrum’s U-Money option allows customers to obtain a general purpose loan of up to Rb 900,000 for 5 years without the need for security or guarantors. Loans of up to Rb 150,000 require no documentary proof of earnings or of employment. The money is transferred free of charge to a Visa bank card, while the borrowed funds are paid back in regular monthly installments. Once submitted, a loan application is processed in 5 business days or even less.

The U-Pay credit card program is designed for customers who normally borrow to pay off their bankcard bills. The maximum credit limit available to U-Pay cardholders is Rb 1,000,000, while card ruble-denominated overdraft rates are 17.9% APR, and 16.9% for credit in US dollars or Euros. The minimum amount payable on a loan is 3% of the credit balance.

The Bank’s U-Balance card option enables holders to use the credited funds to pay back money borrowed from other banks. Features and benefits include a one-month interest-free grace period, deferred payment of the principal for a whole 6 months, and attractive lending rates of 18.9% APR for ruble loans, and 17.9% APR for loans issued in US dollars.