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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 1.25-1v-.1l.7-3.45c.05-.35 0-.75-.3-1.15-.1-.25-.55-.5-.95-.55\"\u002F>\u003C\u002Fg>\u003C\u002Fg>",{"left":5,"top":5,"width":43,"height":43,"rotate":5,"vFlip":7,"hFlip":7,"body":48},"\u003Cg style=\"transform-origin:1.01222px 1.01222px\">\u003Cpath fill=\"currentColor\" d=\"M24.843 6.234c-1.071 0-1.875.803-1.875 1.874 0 1.07.804 1.874 1.875 1.874s1.874-.803 1.874-1.874-.803-1.874-1.874-1.874M16.408 8.643c-4.418 0-7.898 3.615-7.898 7.9s3.614 7.898 7.898 7.898 7.9-3.615 7.9-7.899-3.482-7.899-7.9-7.899m0 12.987a5.085 5.085 0 0 1-5.087-5.088 5.085 5.085 0 0 1 5.087-5.087 5.085 5.085 0 0 1 5.088 5.087 5.085 5.085 0 0 1-5.088 5.088\"\u002F>\u003Cpath fill=\"currentColor\" d=\"M22.834.343H10.116C4.627.343.343 4.627.343 9.983V22.7a9.6 9.6 0 0 0 9.64 9.639H22.7a9.6 9.6 0 0 0 9.639-9.64V9.983c.134-5.355-4.15-9.64-9.506-9.64m6.56 22.491c0 3.615-2.945 6.694-6.693 6.694H9.982c-3.615 0-6.694-2.945-6.694-6.694V10.116c0-3.615 2.946-6.694 6.694-6.694h12.719c3.614 0 6.694 2.945 6.694 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":78,"banners":95,"seo":104},105,"Where to Get a Credit Card in Armenia with the Maximum Limit: Comparing Banks and Conditions","\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Do you want to know how to get up to 30 million drams, enjoy airport privileges, and avoid unnecessary interest? Use a credit card. But before using the card, to avoid overpaying, it is necessary to thoroughly study its functionality, understand the key differences from a debit card, and determine which banks offer the most attractive conditions.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch2>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">What is a credit card and how does it work?\u003C\u002Fstrong>\u003C\u002Fh2>\u003Ch2>\u003Cbr>\u003C\u002Fh2>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">First of all, a credit card is not your money, but the bank's funds, which it temporarily lends you. Unlike a debit card, where you spend only your own money, a credit card allows you to pay for purchases at the bank's expense - with an obligation to repay the amount later, within a certain period of time. If you meet the grace period, no interest will be charged. Otherwise, the amount owed will be charged at a rate that can range from 13% to 24% per annum, depending on the card and the bank.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">A credit card is convenient if:\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\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);\">you want to have a financial cushion for unforeseen 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);\">you travel frequently or make large purchases;\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);\">you want to participate in bonus programs (cashback, points, discounts);\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);\">you need to cover a temporary cash gap without taking out a traditional loan;\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);\">you often shop online and need a reserve for large orders or promotions;\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);\">you have your own business and need money to cover cash flow gaps or unforeseen 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);\">you are relocating and your expenses are higher than planned, with income expected later.\u003C\u002Fspan>\u003C\u002Fli>\u003C\u002Fol>\u003Ch2>\u003Cbr>\u003C\u002Fh2>\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 money\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"2\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Your own\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 grace period is not met\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\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);\">Purpose\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"5\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Borrowing for purchases\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"5\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Spending within balance\u003C\u002Fspan>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd data-row=\"6\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Limit\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"6\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Depends on income and bank (up to 30 million drams)\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"6\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Up to the account balance\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);\">When using a credit card, you are essentially using the bank's money. This means that with each purchase or cash withdrawal, you borrow funds from the financial institution and then commit to repaying them within a set period, often with interest if you do not meet the grace period.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">In contrast, a debit card is your personal \"wallet\" in digital format. With it, you spend your own funds that are in your bank account. You can only use the amount that is on the balance, and no debts or interest arise from this.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch2>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Where to Get a Credit Card with the Highest Limit?\u003C\u002Fstrong>\u003C\u002Fh2>\u003Ch2>\u003Cbr>\u003C\u002Fh2>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">We have analyzed offers from Armenian banks and highlighted cards with the maximum limit and reasonable conditions. The table below shows the leaders.\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);\">Limit\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd data-row=\"1\">\u003Cstrong style=\"background-color: transparent; color: rgb(27, 28, 29);\">Grace Period\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd data-row=\"1\">\u003Cstrong style=\"background-color: transparent; color: rgb(27, 28, 29);\">Effective Rate\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd data-row=\"1\">\u003Cstrong style=\"background-color: transparent; color: rgb(27, 28, 29);\">Maintenance\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);\">ArCa Credit\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"2\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">up to ֏30,000,000\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"2\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">None\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"2\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">18.58% – 23.93%\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"2\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">֏3,600 \u002F year\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);\">Visa Gold \u002F Mastercard Gold\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>\u003Ctd data-row=\"3\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">45 days\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"3\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">14.58% – 17.69%\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>\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);\">Visa Signature\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"4\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">up to ֏18,000,000\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"4\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">30 days\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"4\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">13.7% – 18%\u003C\u002Fspan>\u003C\u002Ftd>\u003Ctd data-row=\"4\">\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">֏6,000 \u002F month\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);\">Table Summary:\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);\">Acba Bank\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\"> offers the maximum credit limit of 30 million drams with its ArCa Credit line. However, ArCa cards do not have a grace period and have a higher interest rate.\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);\">Ameriabank \u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">offers a balance of high limit, grace period and favorable rate, making it the most suitable choice.\u003C\u002Fspan>\u003C\u002Fli>\u003C\u002Fol>\u003Ch2>\u003Cbr>\u003C\u002Fh2>\u003Ch2>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">Checklist: How to Use Your Credit Card Wisely\u003C\u002Fstrong>\u003C\u002Fh2>\u003Ch2>\u003Cbr>\u003C\u002Fh2>\u003Col>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Adhere to the grace period to avoid paying interest.\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);\">Set up autopay, especially if the bank has a mobile app.\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);\">Choose a card with loyalty programs – points, miles, lounge access.\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);\">Check rates and fees, especially for cash withdrawals, as these often \"hide\" costs.\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);\">Avoid cash withdrawals – this immediately nullifies the grace period and increases the interest rate.\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);\">Monitor your credit history – even a 1-day overdue payment can damage your credit score.\u003C\u002Fspan>\u003C\u002Fli>\u003C\u002Fol>\u003Ch2>\u003Cbr>\u003C\u002Fh2>\u003Ch2>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">What is the difference between a credit line and a credit card?\u003C\u002Fstrong>\u003C\u002Fh2>\u003Ch2>\u003Cbr>\u003C\u002Fh2>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">A credit line and a credit card are not quite the same, although they are closely related and both are tools for accessing borrowed funds.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cstrong style=\"background-color: transparent; color: rgb(27, 28, 29);\">A credit line\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\"> is a broader concept. It is an agreement between a borrower and a bank that allows the borrower to draw funds up to a certain limit at any time and repeatedly, provided that previously borrowed amounts are repaid. A credit line can be opened for both individuals and legal entities and can take various forms. For example, an overdraft on a current account, or a separate revolving credit line.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cstrong style=\"background-color: transparent; color: rgb(27, 28, 29);\">A credit card\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\"> is one form of implementing a credit line. Essentially, a credit card is a tool for accessing the credit line provided to you by the bank. It allows you to conveniently use the funds from this line: pay for purchases in stores, online, and withdraw cash, although this is usually disadvantageous.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">In other words:\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);\">A credit line\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\"> is the money limit available to you from the bank.\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);\">A credit card\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\"> is a plastic or virtual card that serves as the key to this limit.\u003C\u002Fspan>\u003C\u002Fli>\u003C\u002Fol>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Thus, every credit card provides access to a specific credit line, but not every credit line is necessarily associated with a credit card (for example, there are non-card credit lines for businesses).\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch2>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">How to Apply for and Use a Credit Card?\u003C\u002Fspan>\u003C\u002Fh2>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch3>\u003Cstrong style=\"background-color: transparent; color: rgb(27, 28, 29);\">Application Process:\u003C\u002Fstrong>\u003C\u002Fh3>\u003Col>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(27, 28, 29);\">Online Application:\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\"> Many Armenian banks allow you to submit a preliminary credit card application online. This typically involves filling out a form on the bank's website, providing personal details (full name, passport information), contact information, and details about your income and employment.\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);\">Bank Visit:\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\"> In most cases, even if the application is submitted online, the final contract signing and card collection will require a personal visit to a bank branch. This is necessary for identity verification and providing original documents.\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);\">Through AFM:\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\"> On our platform, you can compare offers from different banks and apply directly through the website, simplifying the selection process.\u003C\u002Fspan>\u003C\u002Fli>\u003C\u002Fol>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch3>\u003Cstrong style=\"background-color: transparent; color: rgb(27, 28, 29);\">Required Documents:\u003C\u002Fstrong>\u003C\u002Fh3>\u003Col>\u003Cli data-list=\"bullet\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(27, 28, 29);\">Identification:\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\"> This usually includes a passport and a social card or ID.\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);\">Income Verification Documents:\u003C\u002Fstrong>\u003C\u002Fli>\u003Cli data-list=\"bullet\" class=\"ql-indent-1\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(27, 28, 29);\">Income Certificate:\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\"> This is the most common and preferred document for banks to confirm your solvency.\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"bullet\" class=\"ql-indent-1\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(27, 28, 29);\">Bank Account Statement:\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\"> Some banks may consider issuing a card based on an analysis of your account transactions if you don't have an official income certificate. This demonstrates regular incoming funds.\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);\">Employment Details:\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\"> In some cases, information about your workplace, position, and work experience may be required.\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);\">Other Documents:\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\"> Depending on the bank and the requested limit, additional documents may be needed, such as a marriage certificate (if you are married), or property ownership documents (if it affects the credit scoring).\u003C\u002Fspan>\u003C\u002Fli>\u003C\u002Fol>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch3>\u003Cstrong style=\"background-color: transparent; color: rgb(27, 28, 29);\">Processing Times:\u003C\u002Fstrong>\u003C\u002Fh3>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Application processing times can vary from a few minutes (for preliminary online approval) to several business days. This depends on the bank's internal policy, the completeness of the documents provided, and the complexity of checking your credit history and solvency.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">After card approval, its issuance and delivery (if applicable) may also take some time.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch3>\u003Cstrong style=\"background-color: transparent; color: rgb(27, 28, 29);\">Credit Card Usage Process:\u003C\u002Fstrong>\u003C\u002Fh3>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cstrong style=\"background-color: transparent; color: rgb(27, 28, 29);\">How the Grace Period Works:\u003C\u002Fstrong>\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);\">Definition:\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\"> The grace period is a timeframe during which you can use the bank's money without incurring interest charges. The document specifies different grace periods: 45 days for Visa Gold\u002FMastercard Gold from Acba Bank, 30 days for Visa Signature from Ameriabank, and a complete absence of a grace period for ArCa Credit from Acba Bank.\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);\">Start of Calculation:\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\"> The grace period usually begins from the date of the first purchase (or the start of the billing cycle, which the bank sets).\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);\">Condition for Retention:\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\"> To avoid interest charges, you must fully repay the entire outstanding amount (or at least the minimum payment) before the end of the grace period. If you do not meet this deadline, interest will be charged on the entire outstanding amount, starting from the moment it arose.\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);\">Attention:\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\"> As stated in the life hacks, cash withdrawals from a credit card (or fund transfers) often immediately nullify the grace period and lead to interest and fee charges.\u003C\u002Fspan>\u003C\u002Fli>\u003C\u002Fol>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cstrong style=\"background-color: transparent; color: rgb(27, 28, 29);\">Interest Accrual:\u003C\u002Fstrong>\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);\">Accrual Principle:\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\"> If you do not repay the debt within the grace period, the bank begins to charge interest on the amount used. The rate can vary (the document indicates from 13% to 24% annually).\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);\">Types of Rates:\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\"> It is important to distinguish between the nominal and effective rates. The effective rate (listed in the table as \"Effective Rate\") includes all additional fees and payments, providing a more complete picture of the cost of the loan.\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);\">Calculation:\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\"> Interest is calculated daily on the outstanding balance. The longer you do not repay the debt and the higher the amount, the more interest will be accrued.\u003C\u002Fspan>\u003C\u002Fli>\u003C\u002Fol>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cstrong style=\"background-color: transparent; color: rgb(27, 28, 29);\">Debt Repayment:\u003C\u002Fstrong>\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);\">Minimum Payment:\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\"> The bank issues a monthly statement showing the full outstanding amount and the minimum payment due. The minimum payment is just a small portion of the debt that you are obligated to pay to avoid late fees and penalties. However, making only the minimum payment does not exempt you from interest charges on the remaining debt.\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);\">Full Repayment:\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\"> To avoid interest and effectively use the grace period, it is recommended to repay the full outstanding amount before the end of the grace period.\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);\">Repayment Methods:\u003C\u002Fstrong>\u003C\u002Fli>\u003Cli data-list=\"bullet\" class=\"ql-indent-1\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(27, 28, 29);\">Through Mobile App\u002FOnline Banking:\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\"> Many banks offer convenient auto-payment features or manual card account top-ups.\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"bullet\" class=\"ql-indent-1\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(27, 28, 29);\">Bank Transfer:\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\"> You can transfer money to your credit card account from another one of your accounts.\u003C\u002Fspan>\u003C\u002Fli>\u003Cli data-list=\"bullet\" class=\"ql-indent-1\">\u003Cspan class=\"ql-ui\" contenteditable=\"false\">\u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(27, 28, 29);\">Cash Deposit:\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\"> Through a bank teller or ATMs with cash deposit functionality.\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);\">Control:\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\"> It is important to regularly check your card statements and monitor payment due dates to avoid late payments. Setting up autopay, as advised in the life hacks, can significantly simplify this process.\u003C\u002Fspan>\u003C\u002Fli>\u003C\u002Fol>\u003Ch2>\u003Cbr>\u003C\u002Fh2>\u003Ch2>\u003Cstrong style=\"background-color: transparent; color: rgb(0, 0, 0);\">FAQ: Frequently Asked Questions about Credit Cards\u003C\u002Fstrong>\u003C\u002Fh2>\u003Ch2>\u003Cbr>\u003C\u002Fh2>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Question: Can I get a credit card without official income?\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Answer: Most banks require an income certificate, but in some cases, it may be possible to get one based on transaction analysis (e.g., based on the movement of funds in your account).\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Question: Can I apply for a credit card online?\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Answer: Online application is possible, but the final signing of the agreement often requires a visit to the bank.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Question: How can I find out if a card has a grace period?\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Answer: This information is specified in the tariffs. If it's not listed, it's likely there isn't one.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Question: Can I withdraw cash from a credit card?\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Answer: Yes, but it's unfavorable — interest is immediately charged, and there may be a fee. It's better to pay directly with the card.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Question: Does using a credit card affect my credit rating?\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Answer: Yes, regular use and timely repayment improve your credit history. Conversely, late payments, even by one day, or failure to meet obligations can significantly damage it.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Does only the income received on this particular card influence the approval of the maximum credit, or can income from other cards also be considered?\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">When approving the maximum credit, banks typically consider your overall income, not just deposits to one specific card. You can provide information about income from other cards or accounts so that the bank can more fully assess your solvency. Most banks require an income certificate, but in some cases, credit approval may be possible based on transaction analysis, for example, by analyzing the movement of funds in your account.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Ch2>\u003Cstrong style=\"background-color: transparent; color: rgb(27, 28, 29);\">Conclusion: Which Card to Choose?\u003C\u002Fstrong>\u003C\u002Fh2>\u003Ch2>\u003Cbr>\u003C\u002Fh2>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">A credit card can be a powerful financial tool if used wisely. In Armenia, offers are available with limits up to ֏30 million, but the maximum amount isn't always the best choice. It's important to consider:\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\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);\">the presence of a grace period\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);\">interest rates\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);\">maintenance costs\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);\">your goals for using the card\u003C\u002Fspan>\u003C\u002Fli>\u003C\u002Fol>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cstrong style=\"background-color: transparent; color: rgb(27, 28, 29);\">Ameriabank\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\"> offers a balanced option: a high limit amount, moderate rates, and a convenient grace period. This is especially beneficial for those who value flexibility, security, and bonus options.\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Cbr>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">To save time on manually analyzing terms, use the \u003C\u002Fspan>\u003Cstrong style=\"background-color: transparent; color: rgb(27, 28, 29);\">AFM platform\u003C\u002Fstrong>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\"> — the first financial marketplace in Armenia. Here you can:\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);\">compare all credit cards by limits, rates, and fees\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);\">choose the best one based on your goals\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);\">apply directly from the page\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);\">receive current offers without calling the bank\u003C\u002Fspan>\u003C\u002Fli>\u003C\u002Fol>\u003Cp>\u003Cspan style=\"background-color: transparent; color: rgb(27, 28, 29);\">Don't overpay — find a beneficial credit card with AFM and stay one step ahead.\u003C\u002Fspan>\u003C\u002Fp>","\u002Fcontent\u002Fuploads\u002Fnews\u002F52653bd0-01bc-4af9-ad88-e713d25d94d9.webp","\u002Fcontent\u002Fuploads\u002Fnews\u002Fthumbnails\u002F52653bd0-01bc-4af9-ad88-e713d25d94d9.webp","Freepik",null,"2025-07-04 15:01:00",4904,{"title":66,"slug":67},"Journal","journal",[69,72,75],{"title":70,"slug":71},"Credit Cards","credit-cards",{"title":73,"slug":74},"Ameriabank","ameriabank",{"title":76,"slug":77},"Payments and transfers","payments-and-transfers",{"first_name":79,"last_name":80,"full_name":81,"avatar":82,"email":83,"slug":84,"company":85,"phone":62,"title":86,"description":87,"position":88,"position_description":89,"social_links":90},"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>",[91],{"name":92,"link":93,"status":94},"linkedin","https:\u002F\u002Fwww.linkedin.com\u002Fin\u002Fsaty-avagyan-642028274\u002F",1,[96],{"id":97,"image_desktop":98,"image_tablet":99,"image_mobile":100,"is_centered":7,"is_dark":7,"title":101,"description":102,"url":103},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":105,"description":106,"keywords":107},"Credit Card up to AMD 30M in Armenia – Bank Comparison | AFM","Discover where to get a credit card with up to AMD 30 million limit: compare Acba, Ameriabank, IDBank on rates, grace periods, fees. Choose the best deal via AFM.",[108,109,110,111,112],"credit card Armenia","AMD 30 million credit card","credit card Armenia comparison","Acba credit card","Ameriabank credit card",{"left":5,"top":5,"width":30,"height":30,"rotate":5,"vFlip":7,"hFlip":7,"body":114},"\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":116},"\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":118,"height":118,"rotate":5,"vFlip":7,"hFlip":7,"body":119},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>"]