5 tips to get the most out of sales

1. Don't delay shopping

Popular items with deep discounts may not last until the end of the sale. Therefore, it is better not to postpone shopping until the last moment.

Start preparing a couple of days before the promotion and add everything that interests you to your basket or favorites. Then on the day of the start of discounts you will not have to rush around the catalog. And if the right thing is sold simultaneously in several stores, you can put off the goods you like everywhere, and then compare where the price will be more pleasant.

2. Check prices before sales start

Buying something on sale, and then finding out that the discount was fake, is the main fear of buyers at sales. You can get rid of it if you wake up an internal auditor in yourself a couple of weeks before the start. Run through the shops, find the items you want and remember the regular prices, or better yet, write them down in notes on your phone. When the sale starts, you will immediately understand whether it is worth spending money right now or the seller is just pretending to announce a discount.

In order not to run into fake promotions, go to official brand stores and large marketplaces. The latter can independently control the honesty of sellers using smart algorithms and punish deceivers. And some also embed the price chart in the product card: at any time you can check how the price has changed lately and whether there was an unjustified increase before the sale. In addition, on marketplaces, one product is often presented by several sellers at the same time - it is convenient to rank offers by price in order to choose the lowest one. And if something happens to things during delivery, it will be easy to issue a return.

3. Read the conditions of promotions in all stores

Sometimes large sites offer additional ways to save. In the official store, brands can give an additional discount on the first purchase or subscription to the newsletter, put a set as a gift miniatures or some legendary remedy, and on marketplaces it is easy to find promotional codes for a certain category or promotions like «3=2». Check out similar offers to save more than expected.

Large retailers often cooperate with banks and add favorable conditions for the duration of the promotion. For example, when paying with a credit card Tinkoff Platinum during Black Friday, you can get an increased cashback of 10% in SberMegaMarket and Golden Apple, 12% in Lenta or 25% in Yves Rocher.

Apply for Tinkoff Platinum

4. Make a shopping list and set a limit

A stream of great offers and discounts up to 90% can cause rash spending. This threatens with two problems: firstly, you will have to deal with a mountain of boxes, and secondly, you can be left without money until the next salary. To prevent this from happening, prepare for shopping: before the discounts start, make a shopping list and set a spending limit. Ideally, you should also save up the required amount in advance.

It is unlikely that you will be able to get a piggy bank in 2022 - the sales season has already started. But that doesn't mean you have to stop shopping. A credit card with an interest-free period will save you, during which you can spend at least the entire balance of the card without overpayments. The main thing is to have time to pay off the debt before the date set by the bank. At the map Tinkoff Platinum the interest-free period lasts 55 days - during this time the salary will just come, or even more than one!

If you are afraid to spend too much, set a limit on credit card spending in the Tinkoff app. And if you need cash, then once a month you can transfer up to 50,000 rubles to a debit card without commissions, and then withdraw - also without any additional payments.

5. Collect all possible cashback

It happens that stores interfere with getting a double benefit on sales. For example, they prohibit summing up a promotional offer and a regular customer discount or do not allow using promotional codes for brand products. But additional savings in the form of cashback will definitely not be cancelled.

There are three ways to compensate for the amount spent:

1. Cashback of the stores themselves. Some of them award points for purchases to a discount card or account in your personal account. These bonuses cannot be withdrawn into rubles, but they are convenient to use to pay for future purchases.
2. Cashback services. Such sites attract customers to online stores and receive a reward for this: they keep part of the money received for themselves, and the rest is credited to the user. Usually the amount of cashback there is small, but during periods of sales it increases: there is a chance to return even 30-40% of the purchase price.
3. Cashback card. In this case, you pay for goods, accumulate cashback and receive it to your account once a month. Tinkoff Platinum has cashback accrued in the form of bonus points "Bravo" - 1% of the amount of any purchase. One point is equal to one ruble. You can get 6,000 bonuses per month, and with a Tinkoff Pro subscription - as much as 10,000 bonuses.

With Bravo bonuses, it is easy to compensate for the cost of food delivery, lunch in a cafe and dinner in a restaurant, mobile communications, a train ride, going to the movies or other entertainment. To earn more points, shop with partners Tinkoff Platinum. According to special offers, cashback can grow up to 5, 15 or even 30% of the amount spent.

To receive a card, just fill out application on the site - All you need is a passport. The bank will consider the application and inform you of its decision within a few minutes, and the credit card will be delivered free of charge the next day.

And in November, you can win 10 million rubles for paying for purchases with the help of Tinkoff Platinum. To participate in the draw, order a card or, if you already have one, register on the stock website. The condition is one and very simple - before November 30, you need to spend at least 5,000 rubles with Tinkoff Platinum. The results will be summed up on December 12. Everyone will benefit: participants are guaranteed to receive two gifts from a large selection - for example, increased 20% cashback in supermarkets, cosmetics stores and restaurants or a month of Tinkoff Pro subscription.

Participate in the draw

JSC Tinkoff Bank. The banking license was issued by the Central Bank of the Russian Federation on March 24, 2015. License number 2673.