BCR and Raiffeisen publish examples with a 5,367 lei limit over 12 months.
What belongs in the same table
| BCR | Raiffeisen | |
|---|---|---|
| Limit | 5,367 lei | 5,367 lei |
| Term | 12 | 12 |
| Published total | 5,697 lei | 6,152.52 lei |
We keep the product APR separate from the example total. The BCR document also mentions a maximum APR in another scenario, so it is not moved into the common row.
The table does not assume the full limit is used identically in both agreements. Read the assumptions in the document delivered before signing.
Maria Popescu, banking products editor: “For cards I check the limit, period and drawdown method before comparing percentages. The same ceiling does not guarantee the same use of money.”
The next check
Request the pre-contract form for the amount you intend to use and compare total, fees and grace-period rules. The SECCI guide explains the order.