What credit cards are available. Who offers the best credit cards and what are their advantages

There are several hundred banks in Russia, each with several credit cards - such a choice is quite difficult, so the question of which card is better is not so easy to answer. But if you know the selection criteria, then it will be much easier to choose.

What should a borrower look for?

It is impossible to answer unequivocally which offer will be the best, because for each person it is absolutely different conditions will seem the most attractive. In order to choose a profitable product for yourself, you need to focus on your own preferences.

You can apply for a credit card right now. But remember!!! Before you take out a credit card, think 10 times and apply once. Read the terms of the contract carefully. Also read the note: When can I take a loan, and when can I not take it? , it will help you not to make serious mistakes!

What is the most important thing in the characteristics, what should those who are going to get a credit card look at? Here are some nuances:

• Interest rate. The lower it is, the less you will have to overpay if you do not fit into the grace period without%.
• The limit amount is an important characteristic if you plan to actively make purchases and you need large sums of money for this.
• . It allows you not to pay interest on a loan for several days, weeks or months. Often it lasts up to 50-55 days, sometimes 145 or 200. But banks indicate only the minimum duration of such a period. Moreover, if the client needs cash, you still need to pay a commission when withdrawing from an ATM. Read more about these cards on this page.
• Number of ATMs. This is not the main, but an important indicator. The more ATMs and terminals in the city, the easier it is to withdraw cash when it is urgently needed. According to this indicator, Sberbank and VTB 24 are now leading.
• Service cost. At the stage of choosing a bank, pay attention to what fee you will have to pay for using the card. For some companies it is monthly, for others it is annual. Look for profitable promotions and offers when, with a certain limit of money spent from the card, you can not pay this amount.
• Hidden fees. Banks often lure customers with a long grace period and low interest rates. At the same time, they prescribe large tariffs in the contract.

As you can see, you really need to choose a credit card for yourself. If you plan to withdraw cash, look for programs with low commissions for this service. Shopping in stores and do not want to overpay? You need cards with a long interest-free period.

If you often use the services of certain companies, for example, you fly through Aeroflot, then you should look at the options for issuing a bonus credit card, we talk about them.

As a rule, most borrowers pay attention exclusively to the interest rate in order to overpay as little as possible. We have selected the most profitable offers with a low percentage for the use of borrowed funds.

We present to your attention the TOP 5 credit cards for the current year:

1. MasterCard Standard (Citibank) - limit up to 300,000, interest - from 13.9%. The grace period is 50 days. References for registration are not needed. Home delivery. The decision is made within 2 days. Annual maintenance is free.
2. “100 days” () - an amount up to 1 million rubles, a rate of 14.99% for non-cash purchases and cash withdrawals from an ATM. The grace period lasts up to 100 days. The service fee is from 1190 rubles. annually.
3. "Affordable Plus" (Asia-Pacific Bank) - will provide up to 700 thousand rubles, the rate is from 15%. Grace period - up to 56 days. Annual maintenance fee - 1780 rubles.
4. "Emotion" (Ak Bars Bank) - a limit of up to 500,000 rubles, interest - from 17.9% per annum. Grace period - up to 55 days, you can install a transport application. The first year of service is free, there is a cashback of up to 1.25% of the amount of purchases.
5. Classic from Sberbank of Russia. Allows you to access the amount up to 600 thousand rubles. with a rate of 23.9% per year. There is an interest-free period of up to 50 days, the service can be free (if there is a special offer for regular customers) or it can be 750 rubles. annually.

Additionally, we suggest that you familiarize yourself with the advantageous offers on credit cards from other banks in this article.

You can use our advanced calculator with the ability to build a payment schedule and calculate early repayment on this page.

What to do if banks refuse?

If you have a damaged credit history, then in this case, we advise you to go to this page to find out about the options available for such borrowers. You need to look for companies that are loyal to small errors in CI.

Important: bank loyalty can only be obtained if all your delays are closed, you have official employment and wages that you can confirm with a certificate. With open debts, courts or bankruptcy, no one will approve your application.

In Russia, credit cards are one of the most popular among borrowers. banking product. They at any time allow you to use the limit of available bank credit funds for any purpose.

Dear readers! The article talks about typical ways to solve legal issues, but each case is individual. If you want to know how solve exactly your problem- contact a consultant:

APPLICATIONS AND CALLS ARE ACCEPTED 24/7 and 7 days a week.

It's fast and IS FREE!

Money from a credit card can be cashed out or immediately used to pay for purchases from a card.

What to pay attention to?

When choosing a bank to which the borrower is going to go for a credit card, you need to consider many factors.

Each bank has its own

• requirements for borrowers;
• the maximum amount of the credit limit;
• interest rates;
• additional commissions and services.

It is very important to choose a bank whose conditions are ideal for a particular borrower.

Most bank customers are looking for an organization that offers access to credit funds with a minimum interest rate and a long grace period.

Conditions for issuing loans

Each bank offers borrowers access to credit funds on different terms.

Most often, a credit card is issued for 3-5 years, and a certain limit is set individually for each client.

Some banks charge a fee for issuing and maintaining the card, but offer a larger credit limit and lower interest rates, others issue and maintain cards for free.

According to the terms of the loan, the borrower undertakes to deposit a certain amount on the card every month. As a rule, these are interest accrued per month and 5-15% of the balance of the debt.

When choosing a credit card, you need to take into account the amount of the mandatory payment that will need to be made monthly.

Very often, when applying for a credit card, the term for considering documents plays a key role. If the borrower needs money, then he will go to the bank where the credit card is issued.

But the shorter the period for consideration of documents, the higher the risks of the bank, respectively. interest rate there will be more, and the available money limit is less, which is rather disadvantageous in the long run.

Requirements for borrowers

Some banks issue credit cards to everyone, setting decent credit limits even. Other organizations issue credit cards only to verified customers who are able to confirm solvency.

Sometimes just a passport is enough to apply for a credit card, and income statements are only needed to increase the credit limit, but in some banks it is impossible to get plastic even with a minimum credit limit.

is not an obstacle for those wishing to apply for a credit card.

Some banks do not always issue cards to people with a bad credit history, but in most cases they will not refuse.

Credit history can be corrected, which in the future will allow you to get a larger credit limit. However, it is not necessary to hope for a large amount initially.

Before going to the bank, youth and pensioners should pay attention to the maximum and minimum possible ages of customers who want to apply for a credit card.

Some banks issue cards to students, others issue plastic to persons from 21 to 23 years old.

As for pensioners, in some banks people under the age of 65 can get a credit card, but in some banks the maximum possible age of the borrower may be higher, up to 76 years.

Rates

The interest rate for using bank money on a credit card can vary.

If we talk about which credit card is the most profitable, then most borrowers will say that the lower the rate, the more favorable the conditions.

In some banks, it can be from 12% per year, in others, even the most reliable customers use credit money at a minimum of 30% per year.

In some banks, the interest rate for customers is determined individually.

As a rule, the higher the solvency of the client and the more information provided to the bank, the lower the interest rate will be.

Most often the most profitable terms available to customers of banks, in which customers are selected very carefully. Unfortunately, sometimes borrowers do not always meet the requirements for obtaining a credit card on favorable terms.

Limit

The amount of available credit funds in all banks is determined for each client individually.

Each bank has its own maximum and minimum limits.

As a rule, if the client confirms the amount of his income, then he will have an available amount of 3-4 times the salary.

Clients who issue a credit card according to a minimum package of documents without confirmation of solvency are often set a minimum credit limit (5 - 20 thousand rubles).

The most profitable credit cards

The size of the interest rate and the available credit limit play a key role when choosing a bank where a credit card is issued.

The table shows the most advantageous offers of banks:

Cash withdrawal

All banks have a commission for cash withdrawals, but its size can vary significantly in different organizations.

For borrowers who want to issue a credit card for cash withdrawal, it is worth considering the fee for withdrawing funds from an ATM.

In such a situation, you need to look for an offer not only with the minimum interest rate, but also with the smallest commission for withdrawing funds.

Grace period

The grace period gives customers the opportunity to use credit funds without interest for a certain period.

Each bank sets a different grace period.

In most cases, it lasts 55 days, but some banks increase the grace period up to 200 days.

Which bank to take?

In the following banks, customers apply for a credit card most often.

Their offers are distinguished by an optimal combination of favorable conditions and loyal requirements for borrowers.

Sberbank

Getting a credit card at Sberbank is quite simple:

• most borrowers are given a credit limit of up to 120,000 rubles, and the rate is 25.9% per year;
• customers over the age of 25 can apply for a card, and to receive a card, you need to present a certificate of income.

The bank does not charge a card service fee.

Tinkoff

In this bank, you can get a maximum of 300 thousand rubles of a credit limit at 24.9% per year.

Credit cards are issued to customers over 18 years old, and only a passport is needed to receive them.

Card maintenance is paid, its cost is 599 rubles per year.

Renaissance

In the bank, customers can count on a credit limit of up to 300 thousand rubles. The outstanding balance will bear an interest rate of 24.9% per annum.

The bank issues cards to persons who are already 24 years old.

Having proof of income is a must.

Other offers

In Avangard Bank, customers can use credit funds with a small overpayment:

• if you pay off the debt in the first three months, then the rate will be 12%;
• with each subsequent month up to the sixth, it will increase to 24%.

Alfa-Bank customers have the opportunity to issue a credit card with a fairly large grace period, which is 100 days.

Decor

For you need to choose a bank and come to the nearest branch with the required documents. At the branch, the client needs to fill out an application for issuing a credit card indicating the selected offer.

The term for consideration of the application can be from several minutes to several days.

If the bank approves the issuance of the card, then the client will be offered to sign an agreement and pick up a credit card at the branch.

Submitting an online application

On the website of most modern banks, you can apply for a credit card via the Internet.

The client will be able to find out the decision to issue a card from the bank employees at the specified phone number, after which the booklet only needs to go to the branch for plastic and to sign documents.

List of documents

Each bank may require a different package of documents. In some cases, you can get a credit card with one passport.

Sometimes you can provide two documents, one of which should be a passport, and the second can be a certificate of income, a driver's license or a passport.

Hello dear readers.

It is no secret to anyone that using credit cards is a fairly progressive and convenient way to pay for various goods and services. Because of the growing citizens Russian Federation it can be found in almost any purse or pocket.

Yes, and the banks themselves do not stand still and constantly invent New Product, which would become more perfect and pleasant to use. Therefore, every year we can notice an increasing variety of such cards.

But which credit card is better? Few people think about this, but it would be worth it. Since they all have different functionality and are loyal to their owners to varying degrees.

So today we will analyze this issue in detail, find out by what criteria in general one can judge a card as quite profitable, and also get acquainted with the top of the most interesting offers that literally every capable Russian can use.

What you need to pay attention to first

As I said above, banks come up with new tariffs every year, and with them credit cards that may suit one person, but not at all to the taste of another.

But, nevertheless, there is a certain standard algorithm that you should be aware of in order to understand how this banking instrument can be practically acceptable.

First you need to find out the cost of annual maintenance. This is the very first and most important factor that should not least influence your decision to purchase this product.

After reviewing this parameter, in any case, you will see different conditions from different financial institutions. Some of them charge a lot, but most try to ask for an amount that would pay off with the bonuses that will be provided to you.

Next, you should take an interest in the percentage level. Here, too, everything is not so simple, because it changes from organization to organization, and therefore it is better to be interested in this on the spot with your personal manager or by contacting the hotline that every self-respecting bank has.

In addition, each card has its own grace period. This is such a period of time when you have the right to repay the debt without overpayments on interest. Of course, the longer this period, the better, so pay attention to this and do not miss the clause in the contracts that regulates this condition.

As for the commission, I advise you to choose a credit card that is for cashing out funds, or that charges a very small percentage, which you can ignore.

In addition, be sure to ask a specialist what other paid or free services you could connect. As a rule, this standard includes SMS informing, but there are also more specific functions that some companies may have and others may not have, as well as be paid in one bank, but free in another.

Thus, there is a list of rules by which it will be easiest for you to choose exactly the credit card that suits you in all plans. In general, I advise many to compare the conditions of several banks at once in order to visually verify the relevance of their offers and only after that make an informed choice in favor of a particular product.

Who offers the most favorable conditions

Now, let's get to the most important question. In this paragraph, I will show you my top financial institutions, which, in my opinion personal experience and based on reviews, as well as opinions from the forums, are the most successful.

Tinkoff

If anyone understands something in non-cash payments using a credit card, then these are these guys. They initially created their company according to their own rules, one of which is that they do not have any offices, from the word "in general".

All their activities are located on the Internet, which means that you can get their product only through the global network by going to their official website. At the same time, an important component of this process is its delivery directly to your door.

The courier, in which locality you would not live, will deliver the card and hand it over to you, after which it will be enough for you to activate it and.

In addition, you are entitled to a discount of up to 30% on the special Bravo promotion if you make a purchase in one of their partner stores, in all other cases you will have to get by with 1% cashback.

When it comes to rates, there are two options. If you intend to use mostly cash, then be prepared to overpay 32.9% of the amount borrowed. Otherwise, the rate drops to 24.9%. And the limit itself, which you can count on, is up to 300 thousand rubles.

Alfa Bank

A serious and eminent representative of the banking structure, who has in his arsenal quite practical proposals for potential and existing customers.

First of all, I would like to allocate a grace period. They have it for 100 days. In general, this is the first company that took the risk of increasing the interest-free period, and not keeping it at the level of 50-60 days, as most structures do.

It is also important to remember the fact that it makes sense to take their product only if you intend to spend a medium or large amount of money, and also do not hesitate to pay in cash.

In addition, here the rate starts from 24.9%, but in practice it is calculated individually for each client based on his solvency. And the limit here, like that of Tinkoff, is limited to 300 thousand rubles.

touch bank

A remarkable project aimed mainly at young people. Here you are offered a fairly large cashback of up to 3% of the purchase amount. At the same time, you can choose the category of goods or services where the return of funds will be the highest.

There is also a promotion, thanks to which the more money you spend on that card, the more bonuses in the form of real funds will be credited to your account.

All that is required of you is to go to the official website, fill out an electronic application form for receipt and wait for about a few days before the courier will hand you the card directly into your hands.

Conclusion

As a result, we found out which banks can provide us with the most efficient and convenient service, which of their credit cards are of the greatest interest and by what criteria they should be chosen. We also analyzed which of the products is suitable for you to withdraw cash, and which is relevant for cashless payments.

The list does not include such giants as, for example, Sberbank or VTB because, despite their overall superiority, they are not able to create a truly loyal service delivery system, unlike their smaller competitors.

All the best to you and see you soon!

Daria Nikitina

Reading time: 2 minutes

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People often go to banks for loans. But it takes from 1 to 5 days to process them. You can get funds faster in a microfinance organization. They are relevant when cash is needed urgently. Although the percentage is huge - about 2% for each day. A reasonable alternative is to get a bank credit card. It will always be with you, which means that funds can be withdrawn or paid at any time. Each bank offers its own conditions.

In this article:

What card will be the best?

It depends on many factors:

• Presence of a grace period.
• Cashback or other bonuses.
• Loan rate.
• Service cost.
• Funding limit.
• Documents for registration.
• Receipt time.

Each of them has different meaning for the consumer, and, accordingly, the choice of the best is different. The most advantageous offers from banks.

Bank Tinkoff

One of the most attractive offers can be obtained from Tinkoff Bank. An application for admission is made in in electronic format or in the office, and the result is known in a few minutes. If you apply online, your card will be delivered directly to your home within 1 to 7 days. The maximum amount is 300 thousand rubles. The rate is 24.9 - 34.9% per annum. But within 55 days, interest is not charged. This applies to cases where goods or services are paid for. When withdrawing cash, there is no grace period, and the rate is 32.9 - 49.9%. For registration, only a passport is required, without the need to present additional certificates. The card is international, you have to pay 590 rubles for the service per year. You can connect SMS informing for 59 rubles per month. For withdrawals, an additional 2.9% and 290 rubles will be withdrawn.

When the card is activated, the owner becomes a member of the Bravo program. It involves the accrual of bonuses for purchases. 1% for any purchase and up to 30% within special programs. Subsequently, they can be spent, for example, on a Russian Railways ticket.

The card also has its drawbacks. You can find out your tariff from the documents with decision, as it is set individually and depends on the credit history. If you are late in payments, you will face serious penalties.

Sberbank

Here you can get the Momentum Pre-Approved Offer card. You will have to contact the office to receive and complete the application. But there is no service charge. The maximum loan amount is 120 thousand rubles. The interest rate is 25.9% per year. The first 50 days of using the funds are absolutely free. You can issue a card with two payment systems: Visa or MasterCard. The SMS notification service is free.

Credit Card Minimum Payment Calculator

It takes only 15 minutes to get a credit card and an approved offer. An individual credit limit on the card is also calculated in advance. In addition to the passport, it is necessary to confirm the experience in the current place of 6 months. There will be penalties for late repayment (37.8% per year). Cash withdrawal is possible at any ATM. In Sberbank, 3% will be charged for this, but not less than 199 rubles, in other banks 4% and also from 199 rubles. And every ruble spent turns into a bonus. They can be spent in partner stores.

Post Bank

You can apply for a loan at a bank branch or online. Visa card Platinum "Green World" with a limit of up to 500 thousand rubles. It has one of the lowest rates - 19.9% ​​and a grace period of 60 days. When withdrawing funds 29.9%. But to obtain it, you will have to provide several documents: a passport and another document (for an apartment or car, foreign travel, rights). You will be charged a service fee of 900 rubles for receiving the card. SMS informing will be paid from 3 months of use (49 rubles per month). When receiving cash, an additional commission of 3.9% is charged, but not less than 300 rubles at any ATM.

It does not contain the usual bonuses that can later be spent with partners. The main condition is that every 3,000 rubles spent is one planted tree. And within the framework of using the service, urgent assistance is provided when traveling abroad in case of loss, as well as medical and legal referral.

Renaissance Credit

Another interesting package of services is the Corn credit card. It can be obtained without additional income statements with a limit of up to 300 thousand rubles. The rate is 24% per year. The first 55 days of using funds do not accrue interest. The service is also free.

To get a credit card, you need to have an income of 10 and 6 thousand rubles for Moscow and the regions, respectively. Be sure to include a number mobile phone, and if possible, urban. Apply for registration in the salons of the Euroset. Notification about transactions by SMS is free.

Cash Back is up to 3%. If there are delays, the interest rate increases to 79%. The choice of the optimal card and its profitability depend only on the conditions you need.

Credit cards are very popular. Each bank considers it necessary to issue a card under its own brand. Now you can find more than a hundred offers for credit cards of various banking organizations. But in this article we will try to determine which is the most profitable credit card. What you should pay attention to when drawing up a credit card agreement and how to use card products to get the maximum benefits.

What you should pay attention to?

To determine the best credit cards, you need to compare all the main terms of the contract. Also pay attention to possible hidden fees. The main parameters for a credit card are:

1. Interest rate. For the use of credit funds, you must pay interest to the bank. Interest may accrue on wire transfers and cash withdrawals. The lower the interest rate, the more profitable it is to use a credit card.
2. Service cost. There are offers where, under certain conditions, you do not need to pay for the service, there are, on the contrary, with a high fee for using the card.
3. Grace period. Depending on the purpose of lending, it is important to determine the conditions for preferential repayment of debt. The grace period can only apply to non-cash payments, and maybe, including cash withdrawals.
4. Commissions. Often there is an additional fee for withdrawing cash or replenishing money through ATMs, which can make the card agreement unprofitable to use.
5. Bonuses and promotions. You can not only spend money on a credit card, but also earn money on your own expenses. This is possible thanks to the cashback service.

To begin with, before deciding which credit card is better to issue, let's take a closer look at all the main aspects for credit cards.

Interest rate

The average interest rate offer of the best credit cards is about 25%. There are banking organizations that significantly exceed this threshold, and there are companies with cheaper offers.

It is worth paying attention to the interest rate only if you plan not to repay the debt during the grace period, but to pay the credit card debt with minimum monthly payments.

The interest rate will directly affect the amount of overpayment on the card product. Therefore, it is not advisable to issue a credit card with a good cashback, but with high interest rates, provided that the repayment is made with minimal payments.

Maintenance cost

You can also determine which credit card is the most profitable by the cost of service. The average offer is 900 rubles per year. There are favorable conditions with free service or with shareware.

Some banking organizations in Russia position their card products as credit cards without an annual account maintenance fee. In fact, this is not always the case. And the service fee may not be charged under a number of conditions.

For example, if the amount of expenses for the billing period exceeds a certain limit established by the terms of the contract, for example, 15,000 rubles. And for those months when the amount of spending is less, a commission may be charged.

Grace period

Before you apply for a credit card, you need to decide on the purpose of its acquisition. The most beneficial use of a credit card is to pay off debt in an interest-free period. This category of borrowers should pay attention to the most profitable credit cards with a grace period.

All offers, in whatever bank you apply for crediting on a card product, have a grace period for repayment as part of their conditions. As a rule, it is up to 50 days.

There are also profitable offers with a period of 100 days, which also applies to cash. To concrete examples we’ll turn to a little later when we determine what the best credit card is on this moment, making a certain top of the best offers.

Commissions

Commissions can be high and frequent. This may be the main income of a banking company through a credit card. For example, the bank may withhold a one-time interest if you cash out cash.

Also, some banks may charge commissions if you deposit cash on the card by paying a monthly payment, even if this payment is made through an ATM or cash desk of your banking organization.

This section includes penalties and fines for overdue debts. Moreover, in addition to accruing daily interest on the amount of overdue debt, a one-time fine is also possible.

And if the purpose of using a credit card is to withdraw cash, then you should pay attention to the most profitable credit cards for cash withdrawal from our rating of popular credit cards.

Cashback and bonuses

No matter what bank you apply for a credit card, cashback and bonuses will be provided everywhere. Usually, in order to use a credit card most profitably, banking organizations offer the client to choose categories of goods on their own, where the cashback will be more profitable.

The best offers of banks imply rewards of 30% of the amount spent. It is advantageous to use cards where miles are credited for purchases for those who travel frequently.

Well, now let's go directly to the consideration of the most relevant offers for credit cards in the Russian Federation at the moment. And we will find profitable credit cards in our categories in order to decide.

Need a low interest rate

Sberbank - Gold

One of the most popular banks in Russia is represented in our rating by Visa Gold and Master Card Gold cards.

The interest rate for this product is only 23.9%, applies to both cash withdrawals and non-cash payments. At the same time, no commission is charged for servicing the card.

But when you try to withdraw cash from the card account, a percentage of 3% of the amount will be debited, but not less than 390 rubles. Therefore, it is beneficial to use a credit card, paying for goods and services.

The grace period on the loan reaches 50 days, but only for non-cash. It is also worth noting the high-quality bonus system in the form of the popular Thank You from Sberbank program. The company has a wide network of partners, and remuneration can reach up to 20%.

Rosselkhozbank - "Amur Tiger"

This company has one of the best offers, which is called "Amur Tiger". Annual interest for the use of credit funds - 23.9%. And the cost will be 700 rubles per year.

You can deposit money for free, and withdraw with a commission of 3.9%, but not less than 350 rubles. This credit card is suitable for those who are not indifferent to the environment. Because the company will transfer part of its profits to the Amur tiger support fund.

Which cards are profitable in terms of service cost?

This category of popular offers includes a Binbank credit card. The most important thing to note here is that it can be used without paying for annual maintenance. This is possible provided that the monthly spending on the card will exceed 15,000 rubles.

The interest rate is somewhat inferior to the previous advantageous offers and starts from 29.5%. But there is a good grace period of 57 days. Additionally, you can choose the most necessary category of goods, for which a reward for spending will be charged - 5%. 1% cashback on other purchases.

Where are the most favorable conditions for the grace period?

For some borrowers, it is important good conditions by grace period. Our rating includes Raiffeisenbank's 110 days card. The Bank provides an opportunity to pay the debt within 110 days without paying interest for non-cash payments. This is one of the longest grace periods.

In addition, the credit card can be used without an annual service fee. A necessary condition will be the amount of loan costs of at least 8,000 rubles per month. There is also a good network of trading partners, where the cashback reaches 30%.

The interest rate is quite high - from 29%. At the same time, in order to cash out funds, you will have to pay a commission of 3% with a minimum payment of 300 rubles.

Which credit card will allow you to withdraw cash profitably?

The most popular offer in this direction is the Alfa-Bank credit card "100 days without interest." Its benefit lies in the fact that you can cash out money and not pay interest.

Alfa-Bank makes it possible to withdraw 50,000 rubles without commission, which can be returned within 100 days. Then it is possible to repeat the operation, the grace period will resume. Servicing a credit card will cost 1,190 rubles. And the interest rate is 23.9%.

Cards with cashback and bonuses

In the final stage of the best offers, I would like to mention a few more products. Tinkoff, which is represented by two credit products at once: Platinum and S7 Airlines.