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2H19v8h-5.192l-.4-2H7v7.5zm8.65-6.5H18V8h-5.25l-.4-2H7v6h7.25z\"\u002F>",{"left":5,"top":5,"width":43,"height":43,"rotate":5,"vFlip":7,"hFlip":7,"body":44},32,"\u003Cg fill=\"none\">\u003Cpath fill=\"currentColor\" d=\"m31.4 5.4-4.7 22c-.35 1.55-1.25 1.9-2.55 1.2l-7.05-5.2-3.45 3.3c-.35.35-.7.7-1.5.7l.55-7.25L25.85 8.2c.55-.55-.15-.75-.85-.3L8.65 18.2 1.6 16.05c-1.55-.5-1.55-1.55.35-2.25l27.4-10.65c1.35-.4 2.5.3 2.05 2.25\"\u002F>\u003C\u002Fg>",{"left":5,"top":5,"width":43,"height":43,"rotate":5,"vFlip":7,"hFlip":7,"body":46},"\u003Cdefs>\u003CclipPath id=\"a\">\u003Cpath fill=\"#fff\" d=\"M0 0h32v32H0z\"\u002F>\u003C\u002FclipPath>\u003C\u002Fdefs>\u003Cg fill=\"none\">\u003Cg clip-path=\"url(#a)\">\u003Cpath fill=\"currentColor\" d=\"M23.7 12.9h-3.8V7.8H23c.55 0 1-.4 1-1V1.5c0-.55-.4-1-1-1h-3.65c-3.95 0-6.7 2.8-6.7 6.95v5.35h-4.4c-.7 0-1.35.55-1.35 1.35v3.6c0 .7.55 1.35 1.35 1.35h4.3v11.05c0 .7.55 1.35 1.35 1.35h4.7c.3 0 .55-.15.75-.35s.35-.55.35-.85V19.15H23c.65 0 1.15-.4 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6.694z\"\u002F>\u003C\u002Fg>",{"left":5,"top":5,"width":43,"height":43,"rotate":5,"vFlip":7,"hFlip":7,"body":50},"\u003Cg fill=\"none\">\u003Cpath fill=\"currentColor\" d=\"M9.253 6.667a2.667 2.667 0 1 1-5.333-.003 2.667 2.667 0 0 1 5.333.003m.08 4.64H4V28h5.333zm8.427 0h-5.307V28h5.254v-8.76c0-4.88 6.36-5.333 6.36 0V28h5.266V17.427c0-8.227-9.413-7.92-11.626-3.88z\"\u002F>\u003C\u002Fg>",{"left":5,"top":5,"width":30,"height":30,"rotate":5,"vFlip":7,"hFlip":7,"body":52},"\u003Cg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\">\u003Ccircle cx=\"12\" cy=\"12\" r=\"10\"\u002F>\u003Cpath d=\"M14.83 14.83a4 4 0 1 1 0-5.66\"\u002F>\u003C\u002Fg>",{"currentArticle":54},{"data":55},{"id":56,"title":57,"description":58,"original_image":59,"thumbnail_image":60,"image_source":61,"description_source":62,"publication_date":63,"views_count":64,"category":65,"topics":68,"author":84,"banners":101,"seo":110},106,"Where to Get a Credit Card in Armenia with the Maximum Grace Period?","\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Have you seen the moment in the movies when the main character pays and suddenly hears: “payment rejected, not enough funds”? This is exactly what we are talking about. A credit card is a tool that can help in a difficult situation, give you financial flexibility, and if used correctly, can be interest-free. Therefore, it is important to understand how it works.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch2>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Why do you even need a credit card?\u003C\u002Fstrong>\u003C\u002Fh2>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Unlike a debit card, where you only spend what's in your account, a credit card allows you to use the bank's funds within an established limit. And if you repay the debt within the grace period, no interest is charged at all.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch2>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">How does a credit card differ from a debit card?\u003C\u002Fstrong>\u003C\u002Fh2>\u003Ch2>\u003Cbr>\u003C\u002Fh2>\u003Ctable>\u003Ctbody>\u003Ctr>\u003Ctd data-row=\"1\">\u003Cstrong style=\"background-color: transparent; color: rgb(27, 28, 29);\">Criterion\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd data-row=\"1\">\u003Cstrong style=\"background-color: transparent; color: rgb(27, 28, 29);\">Credit Card\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd data-row=\"1\">\u003Cstrong style=\"background-color: transparent; color: rgb(27, 28, 29);\">Debit Card\u003C\u002Fstrong>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"2\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Whose Money\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"2\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Bank's\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"2\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Yours\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"3\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Interest\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"3\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Yes, if not repaid on time\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"3\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">No\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"4\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Grace Period\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"4\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Yes, up to 45 days\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"4\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">No\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"5\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Limit\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"5\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Limited by bank's decision\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"5\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Depends on account balance\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"6\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Suitable for\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"6\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Credit purchases, reserve\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"6\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Everyday spending\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003C\u002Ftbody>\u003C\u002Ftable>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch2>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">What is a grace period and how does it work?\u003C\u002Fstrong>\u003C\u002Fh2>\u003Ch2>\u003Cbr>\u003C\u002Fh2>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">A grace period is the time during which you can repay the money you've spent without incurring interest. It typically ranges from 30 to 45 days.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">It's important to understand: the grace period countdown doesn't start from the moment of purchase, but from the beginning of the card's billing cycle. For example, if your billing cycle starts on the 1st, and you spend money on the 5th, you will have almost 40 days to repay the debt interest-free.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">If you don't meet the deadline, the bank will charge interest on the entire amount, starting from the date of the transaction.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch2>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">TOP-7 Credit Cards in Armenia with the Longest Grace Period (up to 45 days)\u003C\u002Fstrong>\u003C\u002Fh2>\u003Ch2>\u003Cbr>\u003C\u002Fh2>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Below are the cards that stand out with the maximum interest-free period.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ctable>\u003Ctbody>\u003Ctr>\u003Ctd data-row=\"1\">\u003Cstrong style=\"background-color: transparent; color: rgb(27, 28, 29);\">Bank\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd data-row=\"1\">\u003Cstrong style=\"background-color: transparent; color: rgb(27, 28, 29);\">Card\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd data-row=\"1\">\u003Cstrong style=\"background-color: transparent; color: rgb(27, 28, 29);\">Maintenance\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd data-row=\"1\">\u003Cstrong style=\"background-color: transparent; color: rgb(27, 28, 29);\">Credit Limit\u003C\u002Fstrong>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"2\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Acba Bank\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"2\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Visa Gold\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"2\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">֏18,000 \u002F year\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"2\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">up to ֏18,000,000\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"3\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Acba Bank\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"3\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">MasterCard Gold\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"3\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">֏18,000 \u002F year\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"3\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">up to ֏18,000,000\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"4\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">IDBank\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"4\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Visa Infinite\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"4\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">֏10,000 \u002F month\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"4\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Individual\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"5\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">IDBank\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"5\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Visa Signature\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"5\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">֏6,000 \u002F month\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"5\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Individual\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"6\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">IDBank\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"6\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Visa Platinum\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"6\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">֏1,600 \u002F month\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"6\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Individual\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"7\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Byblos Bank\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"7\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Mastercard Gold\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"7\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">֏18,000 \u002F year\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"7\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">up to ֏1,500,000\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"8\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Byblos Bank\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"8\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Mastercard Standard\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"8\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">֏9,000 \u002F year\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"8\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">up to ֏1,500,000\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003C\u002Ftbody>\u003C\u002Ftable>\u003Ch2>\u003Cbr>\u003C\u002Fh2>\u003Ch2>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Cards with a High Limit and 30-Day Grace Period\u003C\u002Fstrong>\u003C\u002Fh2>\u003Ch2>\u003Cbr>\u003C\u002Fh2>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Yes, 30 days is standard, but if a high limit is important to you, pay attention to Ameriabank's offers. With this bank, you can get a card with a limit of up to ֏18,000,000, making it a leader in this indicator.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch3>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Best Ameriabank Cards with Maximum Limit and 30-Day Grace Period\u003C\u002Fstrong>\u003C\u002Fh3>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ctable>\u003Ctbody>\u003Ctr>\u003Ctd data-row=\"1\">\u003Cstrong style=\"background-color: transparent; color: rgb(27, 28, 29);\">Bank\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd data-row=\"1\">\u003Cstrong style=\"background-color: transparent; color: rgb(27, 28, 29);\">Card\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd data-row=\"1\">\u003Cstrong style=\"background-color: transparent; color: rgb(27, 28, 29);\">Maintenance\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd data-row=\"1\">\u003Cstrong style=\"background-color: transparent; color: rgb(27, 28, 29);\">Credit Limit\u003C\u002Fstrong>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"2\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Ameriabank\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"2\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Visa Signature\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"2\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">֏6,000 \u002F month\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"2\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">up to ֏18,000,000\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"3\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Ameriabank\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"3\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">MasterCard Gold\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"3\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">֏2,000 \u002F month\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"3\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">up to ֏10,000,000\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"4\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Ameriabank\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"4\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">MasterCard Rose Gold\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"4\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">֏2,000 \u002F month\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"4\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">up to ֏10,000,000\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"5\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Ameriabank\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"5\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">MasterCard Platinum\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"5\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">֏3,000 \u002F month\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"5\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">up to ֏10,000,000\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"6\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Ameriabank\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"6\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Visa Platinum\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"6\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">֏3,000 \u002F month\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"6\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">up to ֏10,000,000\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"7\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Ameriabank\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"7\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Visa Infinite\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"7\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">֏10,000 \u002F month\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"7\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">up to ֏10,000,000\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003C\u002Ftbody>\u003C\u002Ftable>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Most Ameriabank cards offer free issuance and convenient online application. The limit can reach ֏18,000,000, allowing the card to be used even for large purchases and as a reserve fund.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch2>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Do Not Confuse a Credit Card with an Overdraft!\u003C\u002Fstrong>\u003C\u002Fh2>\u003Ch2>\u003Cbr>\u003C\u002Fh2>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Many people still confuse a credit card with an overdraft — these are fundamentally different products.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">An \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(27, 28, 29);\">overdraft\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\"> is a negative balance on your debit account, where the bank automatically lends you a small amount. Interest starts accruing immediately, and there is no grace period.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">A \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(27, 28, 29);\">credit card\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">, on the other hand, is specifically designed around the idea of deferred, interest-free repayment — if you manage to pay back the debt on time. It is a full-fledged credit line, often with bonuses, benefits, and more flexible terms.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch2>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">How to Use a Credit Card Wisely and Avoid Going into Debt?\u003C\u002Fstrong>\u003C\u002Fh2>\u003Ch2>\u003Cbr>\u003C\u002Fh2>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">A credit card is a convenient tool, but careless use can lead to overspending. To avoid this, stick to simple rules:\u003C\u002Fspan>\u003C\u002Fp>\u003Col>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(27, 28, 29);\">Pay cashless.\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\"> Cash withdrawals often incur fees, and the grace period does not apply.\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(27, 28, 29);\">Limit your spending.\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\"> If your card limit is ֏5,000,000, set a mental limit for yourself — for example, ֏2,000,000, and leave the rest as a reserve.\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(27, 28, 29);\">Separate expenses.\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\"> Everyday purchases are best paid with a debit card, while large and planned purchases are better with a credit card.\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(27, 28, 29);\">Keep track of deadlines.\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\"> Make large purchases at the beginning of the billing cycle to get the maximum number of interest-free days, and don't forget the payment due date — set reminders or auto-debit.\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(27, 28, 29);\">Monitor spending in the app.\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\"> Push notifications help you react in time to debits and maintain control over your balance.\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(27, 28, 29);\">Don't accumulate cards.\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\"> An excessive number of credit cards increases your credit burden and can affect your history.\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(27, 28, 29);\">Avoid minimum payments.\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\"> This is convenient but leads to the accumulation of interest.\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(27, 28, 29);\">Do not exceed 30–40% of the limit.\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\"> This reduces risks and positively affects your credit reputation.\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(27, 28, 29);\">Compare prices before purchasing.\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\"> A credit card creates an illusion of affordability, but mindfulness is key: spend only what you are truly ready to repay.\u003C\u002Fspan>\u003C\u002Fli>\u003C\u002Fol>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">By following these recommendations, you can use your credit card beneficially — as a financial cushion, not a source of debt.\u003C\u002Fspan>\u003C\u002Fp>\u003Ch2>\u003Cbr>\u003C\u002Fh2>\u003Ch2>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">FAQ: Frequently Asked Questions\u003C\u002Fstrong>\u003C\u002Fh2>\u003Ch2>\u003Cbr>\u003C\u002Fh2>\u003Cp>\u003Cstrong style=\"background-color: transparent; color: rgb(27, 28, 29);\">Can I get a credit card without an income certificate?\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Yes, in some banks it's possible to obtain a credit card without an income certificate, especially if you are already their client and have stable deposits to your account. In such cases, the bank can assess your solvency based on fund movements. However, the limit on such a card will typically be lower.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cstrong style=\"background-color: transparent; color: rgb(27, 28, 29);\">What is the real cost of a credit card?\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Issuance is almost always free. Paid maintenance ranges from ֏1,600 to ֏18,000 per year. However, there are also free cards, for example, from Ameriabank.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cstrong style=\"background-color: transparent; color: rgb(27, 28, 29);\">What happens if I don't repay the debt within the grace period?\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">An effective interest rate of 13.7% to 23.14% per year is applied. And interest begins to accrue from the date of purchase, not from the end of the grace period. This means that if you fail to repay the entire amount within the set period, the bank will recalculate the debt from the moment of each transaction – that is, it will, in essence, \"roll back\" time and charge interest from the day you made the purchase. Therefore, even a one-day delay can significantly increase the overpayment amount.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cstrong style=\"background-color: transparent; color: rgb(27, 28, 29);\">How can I increase my card limit?\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Most often, the limit is increased with a positive credit history – if you repay your debt on time and avoid delinquencies. The bank sees that you are a reliable client and may offer a higher limit. A request for an increase can usually be submitted through internet banking or the mobile application, and in some cases, the limit is reviewed automatically.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cstrong style=\"background-color: transparent; color: rgb(27, 28, 29);\">How to choose the optimal credit card?\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Through AFM: to find suitable offers, use the filters – this will help immediately exclude unsuitable options. Our platform allows you to compare cards by rates, limits, grace period duration, and currency. It's convenient and transparent.\u003C\u002Fspan>\u003C\u002Fp>\u003Ch2>\u003Cbr>\u003C\u002Fh2>\u003Ch2>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Conclusion: Which Credit Card to Choose in Armenia?\u003C\u002Fstrong>\u003C\u002Fh2>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">When used wisely, a credit card allows you to:\u003C\u002Fspan>\u003C\u002Fp>\u003Col>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">use bank funds for free (up to 45 days)\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">cover unexpected expenses\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">build a positive credit history\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">gain access to premium services — from airport business lounges to cashback and bonuses\u003C\u002Fspan>\u003C\u002Fli>\u003C\u002Fol>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">If a long grace period is important, choose cards from IDBank, Acba Bank, or Byblos Bank.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">If a maximum limit is crucial, Ameriabank offers up to ֏18,000,000, with flexible terms and many digital cards.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">All of this can be compared and applied for through AFM — the financial marketplace where offers from all banks in Armenia are gathered. Set your filters, choose the best option — and don't overpay for credit.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Want to pay no interest and control your budget?\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Find a suitable credit card on AFM — and use your money wisely.\u003C\u002Fspan>\u003C\u002Fp>","\u002Fcontent\u002Fuploads\u002Fnews\u002F27ecfc14-c373-4f19-a0a8-436436288738.webp","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F27ecfc14-c373-4f19-a0a8-436436288738.webp","Freepik",null,"2025-07-05 11:20:00",4414,{"title":66,"slug":67},"Journal","journal",[69,72,75,78,81],{"title":70,"slug":71},"Credit Cards","credit-cards",{"title":73,"slug":74},"Acba Bank","acba-bank",{"title":76,"slug":77},"ID Bank","id-bank",{"title":79,"slug":80},"Byblos Bank Armenia","byblos-bank-armenia",{"title":82,"slug":83},"Payments and transfers","payments-and-transfers",{"first_name":85,"last_name":86,"full_name":87,"avatar":88,"email":89,"slug":90,"company":91,"phone":62,"title":92,"description":93,"position":94,"position_description":95,"social_links":96},"Saty","Avagyan","Saty Avagyan","\u002Fcontent\u002Fuploads\u002Favatars\u002Fe5bf46158b2222c21e51fcf6ac6ebd5f.webp","content.creation.05@gmail.com","saty-avagyan","AFM","About the author","\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(0, 0, 0);\">A content and content strategy specialist with over 7 years of experience working with leading Armenian and international companies. She has collaborated with major Armenian banks and financial products, and since early 2024 has been an author at AFM, responsible for creating analytical and up-to-date content that is valuable for both readers and search engines and AI systems.\u003C\u002Fspan>\u003C\u002Fp>","Head of Content Marketing and Author of Articles and News at AFM","\u003Cp>Responsible for all content across the website from quality standards to the creation and updating of materials.\u003C\u002Fp>",[97],{"name":98,"link":99,"status":100},"linkedin","https:\u002F\u002Fwww.linkedin.com\u002Fin\u002Fsaty-avagyan-642028274\u002F",1,[102],{"id":103,"image_desktop":104,"image_tablet":105,"image_mobile":106,"is_centered":7,"is_dark":7,"title":107,"description":108,"url":109},2,"\u002Fcontent\u002Fuploads\u002Fbanners\u002F9c914e1378edaeb3f237bf8cbc679663.webp","\u002Fcontent\u002Fuploads\u002Fbanners\u002F575668df2618c525fb9f3bc7de477daa.webp","\u002Fcontent\u002Fuploads\u002Fbanners\u002F8e57e43f93e39f3dd2724b907e84f84e.webp","All payments in one place","Easily pay for 1000+ services","https:\u002F\u002Feasywallet.app.link\u002Fafm_eng",{"title":111,"description":112,"keywords":113},"Credit Card with 45‑Day Interest‑Free Period in Armenia – Top 7 | AFM","Discover credit cards offering up to 45‑day grace period in Armenia: premium offers from IDBank, Acba, Byblos. Compare fees, limits & perks on AFM platform.",[114,115,116,117],"grace period","credit card Armenia","premium credit card Armenia","Acba Mastercard",{"left":5,"top":5,"width":30,"height":30,"rotate":5,"vFlip":7,"hFlip":7,"body":119},"\u003Cpath fill=\"currentColor\" d=\"M5 19v-8.692q0-.384.172-.727t.474-.565l5.385-4.078q.423-.323.966-.323t.972.323l5.385 4.077q.303.222.474.566q.172.343.172.727V19q0 .402-.299.701T18 20h-3.384q-.344 0-.576-.232q-.232-.233-.232-.576v-4.769q0-.343-.232-.575q-.233-.233-.576-.233h-2q-.343 0-.575.233q-.233.232-.233.575v4.77q0 .343-.232.575T9.385 20H6q-.402 0-.701-.299T5 19\"\u002F>",{"left":5,"top":5,"width":30,"height":30,"rotate":5,"vFlip":7,"hFlip":7,"body":121},"\u003Cpath fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"m9 18l6-6l-6-6\"\u002F>",{"left":5,"top":5,"width":123,"height":123,"rotate":5,"vFlip":7,"hFlip":7,"body":124},14,"\u003Cg fill=\"none\">\u003Cpath fill=\"currentColor\" d=\"M7 11.529c-4.33 0-6.475-4.135-6.562-4.31a.51.51 0 0 1 0-.437C.525 6.607 2.669 2.494 7 2.494s6.475 4.113 6.563 4.288a.51.51 0 0 1 0 .437c-.088.175-2.231 4.31-6.563 4.31M1.444 7c.481.81 2.363 3.544 5.556 3.544S12.075 7.81 12.557 7C12.075 6.191 10.194 3.457 7 3.457 3.807 3.457 1.925 6.19 1.444 7\"\u002F>\n    \u003Cpath fill=\"currentColor\" d=\"M7 8.86A1.86 1.86 0 0 1 5.14 7c0-1.028.832-1.86 1.86-1.86S8.86 5.973 8.86 7 8.027 8.86 7 8.86m0-2.735A.88.88 0 0 0 6.125 7c0 .481.394.875.875.875A.88.88 0 0 0 7.875 7 .88.88 0 0 0 7 6.125\"\u002F>\u003C\u002Fg>"]