Which Banks Do Bailiffs Make a Request to?

Do many credit institutions not monitor CI?

Great competition in the banking niche necessitates the emergence of offers for different types of borrowers. Due to the crisis situation in the country, the demand for a lending product for clients with a “negative” CI is more urgent. This is due to the impossibility of repaying existing loans.

There are banks that may not check potential borrowers or be more loyal to “mistakes” in CI than their competitors.

Nuance! The worse the client’s CI, the higher the risk of an unpaid loan. Banks compensate for such costs by offering less favorable offers, for example, with a reduced maximum loan limit and an increased interest rate on the loan.

How does the process of writing off money from a card by bailiffs take place?

To legally debit money from an individual’s debit card, bailiffs must act according to the following scenario:

• Obtaining the appropriate resolution after court proceedings;
• Sending official requests to financial organizations;
• Receiving response information about the debtor’s cards and accounts;
• If there is money in the account, send an official request for debiting;
• Transfer of a transaction by a bank without the participation of the client after verification.

Read Signs and consequences of fictitious bankruptcy

Why do you need a credit history?

The CI is formed on the basis of regular submission of data on existing or repaid loans to a specially created credit history bureau (BKI).

The report allows you to clearly see the “credit portrait” of potential clients.

There are three types of CIs: “zero”, “positive”, “negative”.

A borrower with a positive CI will be accepted by banks with “open arms,” which cannot be said about those with a negative CI. In the second case, the loan application will go through a long process of consideration and a loan refusal is more expected than an approval.

Obtaining a detailed report on CI to analyze solvency and consider possible options for obtaining a loan is available on the portal ↪ bki24.info.

Using the bki24.info system will allow you to achieve results in a matter of minutes. You must fill out a simple application form to receive a detailed report indicating: full name, date of birth, passport details, email address. Within 5-10 minutes a report on the borrower's credit rating will be sent. This document will also contain:

1) results of checking the presence of delays;

2) possible reasons for banks’ refusals and recommendations for improving the rating;

3) existing loans;

4) information on new loans (what amounts can be expected).

Remember! Before you allow delays, fines, penalties, and even more so litigation, to arise, know that CIs have been in the BKI archive for at least 10 years. A long period of time for constant refusals to obtain a loan.

Important for everyone: new reasons why the bank will block your account and report it to the tax office

The Central Bank accuses banks of ignoring the maximum amount of cash recommended for legal entities and individual entrepreneurs that can be received using corporate cards during one business day (no more than 100 thousand rubles).

Tracking tax patterns

• the ratio of the volume of cash received per week to turnover on bank accounts is 30% or more;
• less than two years have passed since the date of creation of the legal entity;
• the client's activities, within the framework of which money is received into the account and debited from it, do not create obligations to pay taxes. Or the tax burden is minimal;
• money is transferred to the account from counterparties through whose bank accounts transit transactions take place;
• the receipt of funds from the counterparty to the client’s account occurs with the simultaneous receipt of money from the same counterparty to the accounts of other clients;
• money goes into the account in amounts usually not exceeding 600 thousand rubles. ;
• cash withdrawals regularly: usually daily or within a period not exceeding three to five days from the date of receipt;
• cash is withdrawn, as a rule, no more than 600 thousand rubles, or in an amount equal to or slightly less than the daily limit established by the bank;
• cash is withdrawn at the end of the operating day, followed by cash withdrawal at the beginning of the next operating day;
• The client has several corporate cards, and they are used primarily to carry out transactions to receive cash.

We recommend reading: For what year is transport tax paid in 2020?

Did you know that now tax authorities have generally begun to refuse to accept declarations from companies or individual entrepreneurs that they consider unscrupulous? Moreover, without any reason.

Over the past few years, you have probably felt, to put it mildly, close attention from the servicing banks to your activities? Banks require companies to provide no less paperwork than tax authorities. For example, information about your financial situation, relationships with counterparties and tax payments. We'll tell you what this is connected with.

Which banks do not check the borrower's credit history?

In the modern market, there are almost no organizations left that do not check CIs. But there are banks that are “new” in the business and they need clientele, so the CI is checked “casually” and without clarification. The main question arises: which banks do not check credit history?

Major credit institutions with loyalty programs for problem borrowers.

Bailiffs can make a request to any bank, that is, bailiffs can block (arrest) accounts in any bank without exception, but only if they find out that you have money in your accounts.
The first thing the bailiff does is block accounts in Sberbank (this happened to me), since this is the most popular bank.
Also, if people “interested” in blocking your accounts find out which bank you have an account with, your account will be seized.

Therefore, maintain confidentiality and diversify the storage of your funds by opening several cards in different banks.

Follow a simple rule - use one card for storing (accumulating) funds, and the other for everyday expenses, paying taxes, fines and debts to the state.

Or use a third card to pay fines, taxes and debts to the state.

I offer you an overview of profitable cards, with no commission for replenishing the card using another card, through your personal account or bank application:

• “Opencard” card from Otkritie Bank - official website - Can be obtained in 68 regions and 2 joint-stock companies - Cashback is credited in bonus rubles

1. The cashback percentage is very complicated, but I’ll try to break it down: 3% for all purchases = but one percent for each condition: +1% for the total amount of purchases on the card 5,000 rubles/month, +1% for payments via the Internet or mobile bank of the opening bank , +1% for the minimum total balance on the card from 100,000 rubles. The second option is 11% in categories and 1% on everything (details on the official website) - +1% for the total amount of purchases on the card 5000 rubles/month, +5% for payments via the Internet or mobile bank of the opening bank, +5% for minimum total balance on the card from 100,000 rubles;
2. The maximum amount of cashback payments on the card is 15,000 bonus rubles per month;
3. Interest on the balance is 6% per annum when opening a “My Piggy Bank” account;
4. Service cost - 0 rubles per month;
5. Free cash withdrawals from any ATMs;
6. Free alerts and information.

• “Benefit” card from HomeCreditBank - official website - Can be obtained in 75 regions and 2 JSCs - Cashback is awarded in points

1. Cashback percentage - 10% on clothes and shoes, 3% on gas stations, cafes and restaurants, pharmacies (3% can also be connected for points to other categories, more details on the official website, 1% on all other purchases, many partners with high cashbacks ;
2. The maximum limit for cashback points is 3,000 points per month (2,000 points for cashback at a rate of 1%), points within promotions without restrictions;
3. Interest on the balance is 10% per annum for amounts up to 300,000 rubles and making purchases worth at least 5,000 rubles per month (for new clients who filled out an online application before December 30, 2019); in general, 6% for an amount not exceeding 300,000 rubles and making purchases in an amount of at least 5,000 rubles per month, 3% for an amount exceeding 300,000 rubles and making purchases in an amount of at least 5,000 rubles per month; 0% in other cases;
4. The service is free if the amount of purchases on the card exceeds 5,000 rubles or the balance on the card exceeds 10,000 rubles, or if the card is issued as part of a salary project. In other cases, 99 rubles per month;
5. Cash withdrawal from ATMs of third-party banks - 5 withdrawals are free, then 100 rubles;
6. Notifications about transactions - 59 rubles per month.

• Rocketbank debit card - official website - Can be obtained in 26 regions - Cashback is credited in Rocketrules

1. Cashback percentage: 1% for any purchases and up to 10% for purchases in “Favorite Places”, which can be selected on the first day of each month (more details on the official website);
2. The maximum amount of cashback payments on the card is 10,000 roketrubles per month, for purchases on the card, of which up to 3,000 roquetrubles;
3. Interest on the balance is 4.5 % per annum in Russian Rubles; 0.05% per annum in US dollars; 0.01% per annum in euros;
4. Cost of service - On the "Cozy Space" tariff - 390 rubles per month, on the "Open Space" tariff - 590 rubles per month and free if you have an average balance of more than 100,000 rubles on all accounts and card purchases of more than 20,000 rubles per month month;
5. Free withdrawal on the “Cozy Space” tariff - 150,000 rubles, on the “Open Space” tariff - 300,000 rubles, then 1.5% minimum 50 rubles;
6. Information about operations is free if via push notifications and 50 rubles if via SMS messages; on the “Open Space” tariff, all notifications are free.

• Card "OTP Maximum" and "OTP Maximum+" from OTP Bank - official website - Can be obtained in 19 regions and 3 republics - Cashback is credited in rubles

1. Cashback percentage: Tariff Maximum - 15% in the “Gifts” category (as part of the promotion until 2020), 5% but not more than 3,000 rubles in categories (taxi, car sharing, transport, cinema, entertainment, health) and 1% on everything purchases; The Maximum+ tariff has 10% but not more than 5,000 rubles cashback in categories (see above) and 1.5% on all purchases;
2. The cashback amount can be no less than 200 rubles and no more than 3,000 rubles per month at the Maximum tariff. No more than 5,000 rubles at the Maximum+ tariff. Set quarterly;
3. Interest on the balance is up to 6% per annum with a balance of at least 5,000 rubles, if you open a deposit then up to 7%, otherwise interest is not accrued;
4. Cost of service - the first 3 months are free for everyone, then at the Maximum tariff: free if you made purchases in the amount of 5,000 rubles or more or you had a minimum balance of 10,000 rubles on your card per month (reporting period); at the Maximum+ tariff: free if one of the conditions is met: making purchases in the amount of 30,000 rubles, making purchases in the amount of 15,000 rubles and a minimum balance of 15,000 rubles or a minimum balance of 50,000 rubles. per month (billing period) otherwise 199 rubles per month;
5. Free withdrawal of up to 30,000 rubles from all ATMs on the Maximum tariff and up to 60,000 rubles per month on the Maximum+ tariff;
6. Information about transactions is free on all tariffs.

• “Alfa Card with Advantage” card from Alfa Bank - official website - Can be obtained in the 61st region and 2 joint-stock companies - Cashback is credited in rubles

1. Cashback percentage - the first two calendar months 2% - then 1.5% if the amount of purchases is more than 10,000 rubles per month and 2% - if the amount of purchases is more than 70,000 rubles per month;
2. The maximum amount of cashback payments on the card is 15,000 rubles per month;
3. Interest on the account balance is accrued for amounts up to 300,000 rubles - 1% for purchases over 10,000 rubles per month and 6% on the account balance for purchases over 70,000 rubles per month (You can also connect an Alfa Account and receive up to 7% on balance);
4. Cost of service - 0 rubles per month (If the amount of purchases on all cards is from 10,000 rubles per month or the average monthly account balance is from 30,000 rubles. If the conditions are not met, then 100 rubles are debited monthly + 2 months free for everyone);
5. Alfa Bank ATMs offer completely free service, but cash withdrawal at all ATMs in the world will be free if the total purchases on all debit cards in the previous month are more than 10,000 rubles or the average monthly balance is more than 30,000 rubles. In other cases, 1.5% of the amount min. 200 rubles per withdrawal;
6. The Alfa-Chek service (SMS messages) is paid - 59 rubles per month.

• It is also possible to obtain an “Alpha-Card” card with the “Premium” package

In fact, it is not much more profitable, but nevertheless, it would not be a rule not to write about it.

1. Cashback percentage - the first two calendar months 3% - then 1.5% if the purchase amount is more than 10,000 rubles per month per month, 2% - if the purchase amount is more than 70,000 rubles per month, 3% - if the purchase amount is more than 100,000 rubles per month;
2. The maximum amount of cashback payments on the card is 21,000 rubles per month;
3. Interest on the account balance is accrued for an amount up to 300,000 rubles - the first 2 calendar months 7% - further 1% for purchases over 10,000 rubles per month, 6% on the account balance for purchases over 70,000 rubles per month, 7 % on the account balance for purchases exceeding 10,000 rubles per month;
4. The cost of service is 5,000 rubles per month or free of charge if one of the following conditions is met: receipt of wages from 400,000 rubles per month; average account balances from 1.5 million rubles + 100,000 rubles per month of card purchases; average account balances from 3 million rubles;
5. The Alfa-Check service (SMS messages) is free;
6. In general, the card has advanced features, but you have to pay for everything. More details on the official website.

• Visa card #allright from Raiffeisen BANK - official website - Can be obtained in the 41st region and 1st JSC - Cashback is awarded in points

1. Cashback percentage - up to 3.9% on all purchases;
2. We could not find information on cashback limits;
3. The interest on the account balance is up to 5.5% but only when opening a savings account “For every day” together with a card #allat once;
4. The cost of service is 0 rubles per month for the first year, if registered before the end of 2020, then 1,490 rubles per year (written off one-time);
5. At Raiffeisen ATMs the service is completely free, at other ATMs cash withdrawal is 1% of the transaction amount, minimum 100 rubles;
6. Notifications about transactions - 60 rubles per month.

• “PROFIT” card from Uralsib Bank - official website - Can be obtained in 27 regions and 2 joint-stock companies - Cashback is awarded in points

1. Cashback percentage: from 1% to 3% of all purchases;
2. The cashback amount is no more than 4000 points per month;
3. Interest on balance: from 0 rubles - 3%; with a card balance of 50,000 rubles - 4%; with a balance of 300,000 - 5%; with a balance of 1 million - 6%;
4. Free service with a balance of at least 5,000 rubles or purchases worth more than 1,000 rubles during the month, otherwise 49 rubles per month;
5. Free cash withdrawal from all ATMs in Russia if the amount is more than 3,000 rubles; if the amount is less than 3,000 rubles, there will be a fixed commission of 49 rubles;
6. Information about transactions is free for 2 months, then 59 rubles per month.

• Debit card “Four” from UniCredit Bank - official website - Can be obtained in 23 regions and 2 republics - Cashback is credited in rubles

1. Cashback percentage: for taxis, car sharing, gas stations, parking, toll roads and public transport, cashback is awarded depending on the total amount of purchases on the card: from 50,000 rubles - 10%, from 10,000 to 50,000 rubles - 5%, up to 10 000 rubles - 1%, for all other purchases - 1%; also additionally up to 15% without restrictions from bank partners; Now there is a promotion “Cashback × 2 until December 31”;
2. The cashback amount is no more than 4,000 rubles. (1,000 rubles - for gas stations + parking + toll roads, 1,000 rubles - for taxis + carsharing + public transport, 2,000 rubles - for other purchases);
3. Interest on the balance is not accrued only on the savings account (opened separately from the card account) 4% per annum - from 100,000 rubles to 8,000,000 rubles and 6.5% per annum - up to 100,000 rubles;
4. Free service for purchases over 10,000 rubles per month, otherwise 249 rubles. per month;
5. Cash withdrawal without commission at ATMs of the UniCredit group and partner banks (URALSIB Bank, Moscow Credit Bank, Otkritie Bank, Raiffeisenbank) and 1% minimum 99 rubles;
6. SMS notifications about transactions 60 rubles per month.

• VISA debit card “#POSSIBLE” from ROSBANK - official website - Can be obtained in almost every region of Russia - Cashback is credited in cashback bonuses

1. Cashback percentage: 1% on any purchases, you can also select categories with increased cashback, and then the percentage depends on the total amount of purchases from the beginning of the month: 1% in the range of 0 -10,000 rubles, 2% in the range of 10,000 -40,000 rubles , 5% in the range of 40,000-100,000 rubles, 10% in the range of 100,000-300,000 rubles, 1% for amounts over 300,000 rubles + Travel bonuses (details on the official website);
2. The cashback amount is no more than 5,000 cashback bonuses per month (reporting period);
3. Interest on the balance up to 10% only when opening an additional account “#COUNTABLE”;
4. Free service if one of the conditions is met: monthly receipts to accounts/savings accounts are more than 20,000 rubles or if the monthly amount of purchases on the card is more than 15,000 rubles or there must be an average balance on deposits, current and savings accounts of more than 100,000 rubles, otherwise 99 rubles per month;
5. Free cash withdrawal through ATMs of Rosbank and partner banks, through ATMs of banks of the Societe Generale group (more details on the official website), in third-party banks 1% of the amount, minimum 299 rubles;
6. Informing about transactions via SMS 60 rubles per month.

• “Tinkoff BLACK” card from Tinkoff Bank - official website - Available throughout Russia - Cashback is credited in rubles

1. Cashback percentage: 1% for any purchases, 5% for purchases in 3 categories (can be changed every 3 months), 15% when purchasing tickets through the application or on the official Tinkoff website, up to 30% for purchases from partners (more details on the official website);
2. The maximum amount of cashback payments on the card is 3,000 rubles / 100 USD / 100 EUR / 100 GBP for the reporting period (but can be changed by the Bank on an individual basis);
3. Interest on the balance up to 5 % per annum on the balance up to 300,000 rubles, subject to purchases of at least 3,000 rubles per month (reporting period), in other cases it is not accrued;
4. Cost of service - Free service with a minimum balance of at least 30,000 rubles per month (billing period), or 99 rubles/month;
5. Free cash withdrawal from Tinkoff ATMs per month up to 500,000 rubles, from other ATMs only 100,00 rubles, then a 2% commission of at least 90 rubles;
6. Cost: 59 rubles per month.

Important information for salary card holders:

• No more than 50% of charges can be withdrawn from the card.
• But if you are collecting alimony for minor children, compensation for damage caused to health, compensation for damage in connection with the death of a breadwinner, and compensation for damage caused by a crime, you may be charged up to 70%.

How to choose a bank that doesn't check your credit history

Consideration and analysis of all possible lending options does not seem realistic.

This procedure is very labor-intensive:

1) Leave loan applications with all credit institutions (which will worsen the borrower’s already poor rating);

2) Waste time waiting for the decision of each bank.

Our specialists have prepared a *list of banks that are loyal to borrowers with a damaged credit history.

Based on this list, the borrower can easily determine which banks do not check credit history and where to apply for a loan. Select the most optimal option, in your opinion, and go to the bank’s website. Fill out the online form and wait for the bank's response. When applying, you will need a passport and income certificate. Additional documents are specified individually by the banking organization. If the decision is positive, the specialist will talk about obtaining credit money. The process of obtaining borrowed funds takes 1-14 days.

Which bank cards are not blocked by bailiffs and types of such cards

There are different types of debts, but you need to clearly understand which types of debts are overdue and may result in the card being seized by bailiffs:

• Alimony;
• Traffic police fines;
• Taxes;
• Housing and communal services accounts;
• Litigation disputes you have lost;
• Credits and loans.

To understand exactly how a card is seized according to the law, you need to consider the articles of the Civil Code of the Russian Federation. A FSSP employee can block the following types of bank cards:

• Debit and deposit (intended for expenses and savings);
• Fund funds;
• Electronic wallets (identified only);
• Official salaries.

As you can see, the law does not allow the seizure of social cards and pension cards. This applies to payments of benefits, maternity capital, alimony, pension contributions and financial assistance. So why is there a risk of getting into a situation where even these extremely important payments may be blocked for debts under the decree?

The problem may be that such payments are not always made to social cards, but often to debit cards. The bailiff's task is to keep from you the money you owe. He makes a request to the bank, and the bank may not provide complete information about exactly what charges go to your debit card. According to the law, the bailiff has every right to seize such a card, which is what happens.

Read Legal assistance on participation in electronic auctions for bankruptcy

This happens due to incomplete information from the bank. If you discover that your benefit card has been seized, you must write a statement to the bailiff’s organization explaining the situation. Be sure to provide as much information as possible about yourself and the account that was frozen by mistake. By law, you will have to get your money back. Otherwise, you can go to court or the prosecutor's office.

In addition to social cards, bailiffs cannot seize a credit card . This type is not included either in the list of the Civil Code or in real practical cases. Attempts to seize loan funds are unlawful.

Self-sustaining loans

There are “simple” lending options in which the CI value depreciates. These include:

1. Loans secured by movable and immovable property;
2. Loans in the form of purchasing goods in a store.

Loans in these cases are automatically guaranteed with a win-win repayment, because The collateral is directly purchased property or purchased goods. If there are no payments on the loan, the bank seizes and sells the collateral units and covers the loan costs.

On a note! Applying for a “commodity” loan with a bad CI can also result in a refusal at the discretion of the bank.

An alternative to a loan is a microloan

A loan with the prefix micro has become a popular type of borrowing money. A microloan is an option for lending small amounts of money for a short period of time.

Fact! Interest rates on microloans are very high.

Advantages of instant loans:

• Instant registration;
• Units of required documents;
• Interest accrues on the loan daily;
• Various options for receiving money;
• Many ways to pay off debt;
• Possibility of obtaining a microloan in 1 minute.

Important! The use of microloans and their repayment on time can have a positive impact on the correction of CI.

Starting from 2020, it is necessary to notify the tax authorities about accounts with foreign brokers

If you are not a resident of Russia or you do not have accounts in foreign financial organizations and you do not plan to open them, nothing has changed for you. If you are in Russia 183 days a year or more, you have a brokerage account abroad or are planning to open one, read on to be informed.

We recommend reading: How to legalize redevelopment of an apartment yourself in Yekaterinburg 2020

Briefly the most important

In early August, the president signed amendments to the law “On Currency Regulation and Currency Control.” There is a lot of new things in the law, but today we will only talk about accounts with foreign brokers and documents for the tax office.

A major difference is the fact that in some jurisdictions, customer funds, data protection and fairness are taken seriously. Rights are protected by the law and trust in the judicial system has not been destroyed. For this reason, Russian investors are also looking with interest towards foreign accounts and banks.

By the way, a similar situation is not only in Russia. In developed countries, in OECD countries, control over the income of individuals is also increasing every year. The use of cash is limited, and movements of funds in the account are controlled by tax authorities.

The trend is not only in Russia

Plus, let us remember that in September 2020, for the first time, countries exchanged data on bank deposits within the framework of the OECD Standard. If some data does not add up, then the citizens of these countries will have to pay what is due to the treasury.

• the client’s employees are not paid from the account;
• Personal income tax and contributions or the salary itself does not correspond to the average number of employees;
• the wage fund is set at a rate below the subsistence level;
• personal income tax is transferred, but insurance premiums are not paid;
• there is no balance in the account or it is small compared to the volume of regular transactions;
• payments are not related to costs inherent in the activity;
• there is no connection between the reasons for crediting money to the account and their subsequent debiting;
• there was a sharp increase in account turnover;
• there are no payments usual for business: for example, rent, utilities, purchase of office supplies, etc.;
• funds are credited to the account from counterparties under contracts with the allocation of VAT and almost in full are written off by the client in favor of counterparties for objects not subject to VAT. The bank will look at its other clients who are engaged in similar businesses. And compare what happens with VAT in similar situations.

But the above criteria of the Central Bank are not enough. He recalls the obligation of banks to monitor: