Visa Credit card makes life more flexible

Visa Credit card

The Visa Credit card adapts to your financial situation as the credit agreed for the card is always available. The card is also a useful reserve fund when you need a little extra money. You can transfer money from the card’s credit for instance to your current account in your online bank. Paying with the Visa Credit card and withdrawing cash is possible around the world in thousands of shops equipped with Visa identifiers and at ATMs. Visa Credit is also a secure solution for making online purchases. Private customers’ credit cards automatically include free-of-charge purchase security insurance as an additional feature, securing your purchases exceeding EUR 50. 

The credit limit of a Visa Credit card cannot exceed EUR 15,000. You will receive an average of at least 30 interest-free days for your credit. You can pay the remainder in suitable instalments or at once if you wish. The minimum instalment is five per cent of the total, meaning of the amount of credit including interest and expenses. It is possible to link a parallel card to the card.  

Credit limit

The credit limit of a Visa Credit card cannot exceed EUR 15,000. You will receive an average of at least 30 interest-free days for your credit. You can pay the remainder in suitable instalments or at once if you wish. The minimum instalment is five per cent of the total, meaning of the amount of credit including interest and expenses. It is possible to link a parallel card to the card.  

How do I order a credit card? 

You can receive a Visa Credit card when you have turned 18, are creditworthy and have a regular income. Ordering a new card is easy to do, at our branch or in the online bank, whenever it suits you. You can apply for the credit limit you need for your card and if it turns out to be too low, you can ask for it to be raised later on.  

Oma Savings Bank Plc (Valtakatu 32, 53100 Lappeenranta) can grant a Visa card and credit to an 18-year-old permanent resident of Finland who has a regular income and has handled his or her financial affairs responsibly. The card is an international payment term and credit card, and the credit is a continuous credit for an indefinite period. 

The actual annual interest rate on the EUR 2,000 credit is 22.41% and the estimated total amount to be paid is EUR 2,228 assuming the total interest rate on the credit is 14.07% (inc. margin 12.00% + reference interest rate 3 months euribor 2.074% 09/2025), the credit is repaid in 12 equal installments every month and the interest rate and costs of the credit remain the same throughout the credit period. The calculation takes into account a credit account management fee of EUR 6 per month, a monthly card fee of EUR 5 per month and a paper invoice cost of €5 per month (assumed paper billing method), however, so that the total amount of credit costs other than interest per day does not exceed 0.01% of the credit limit for the duration of the credit agreement or 150 euros per year.