Each bank that offers its services on the market conducts various actions and launches programs in order to attract as many customers as possible. The largest domestic state bank, Sberbank, is not an exception. In this article, we will talk about one of its tools to encourage its customers - about the "Thank you" program from Sberbank. How it works, who can come in handy, and also about what the reviews about it - read in this article.
About the program
First of all, it should be noted that the program is intended for users of credit cards issued by Sberbank. The essence of it is to encourage people shopping in these or other shops, cafes or restaurants. For the fact that a person pays for a card, he gets various bonuses ("Thank you" from Sberbank). The testimonies indicate that in the future they can be spent on purchases.
Thus, the scheme is very simple: the more goods and services you buy, the more you get in the end.
The program has been running for several years, thousands of people have managed to deal with it. Some of them were satisfied, others - not quite. In this article, we will try to analyze the feedback from these customers to find out what they liked about the program and what they did not.
How to save money?
Devoted to "Thanks" from the Savings Bank reviews say that it is not that difficult to accumulate bonuses for further use. Especially if you live in large cities, where the bank's partner shops are represented. If you want to get as many bonuses as possible, try to buy things more often in networks that charge "Thank you." It is easy to understand. Just pay attention to some special rules. For example, bonuses are not credited to cards with logos "MTS", "Aeroflot" and others, issued in cooperation with other companies. The same goes for the "Social" card.
There is another feature - if you follow special promotions, which the bank holds, you can accumulate bonuses on your card much faster. To find out which of them are acting at the moment, you can in a special section on the bank's website or directly from the institution's employees. More details on what actions are held here, read further in the article.
And in general to learn, how many "Thanks" you receive, it is possible in the special online catalog of partners on a bank site. The "Thank you" bonus program from Sberbank (this is confirmed by the reviews) assumes the accrual of a certain percentage for the purchase depending on the store or cafe. For example, in Burger King can charge up to 10%, in Euroset - 0.5%, in the network "Uyuterra" - 5 percent. This rate, as you understand, varies depending on the trading network.
How to spend?
The received bonuses can be spent on making new purchases. In fact, that is the meaning of the whole action. Again, you can find out which stores or services receive bonuses on the bank's website. It is noteworthy that you can spend and save bonuses not only in real, but also in online stores, buying things via the Internet. Here, for example, the owner of a credit card of the Savings Bank can calculate bonuses in the food retail chain Pyaterochka, on the WB.RU website, and at other points of sale. There are more than 100 partners in the catalog. In fact, the "Thank you" program from Sberbank, whose reviews we describe a little further, is constantly expanding due to the addition of new stores. Therefore, even from this point of view, to become its participant makes sense.
As for the actions held here, they can significantly accelerate the process of accumulating bonuses, if we take them into account. For example, there is a so-called happy day. The essence of it is that all the bonuses received by the client for the day are multiplied by 5 times. This allows you to get all 50 instead of 10% bonuses.
As for the shops and retailers that are presented as partners Sberbank, a lot of them, to the person making the purchase, did not feel uncomfortable about the need to change the usual place where it happens regularly. That is, for example, if you previously bought products in “roundabout”, even using “Thank you” from Sberbank (the reviews say that many do – continue to visit the same shops), you can continue to buy food there! Additionally you will earn a bonus of 2% of the value of the check. This is a very nice, considering that no additional action is required. And you will be the time to return the money from their purchases.
Given how well-marked the program is beneficial and convenient, it is not surprising that there are a lot of positive recommendations dedicated to it. As part of writing this article, we compared some of the "Thanks" from Sberbank to the reviews and, thus, were able to make an overall picture of how the program works.
In general, we can say that people on the positive side assess the ability to return the money spent. Many talk about how they managed to accumulate an amount sufficient to purchase some nice things that they could not raise money for. For example, to give a child a mobile phone, to buy a new electronic "reader", organize a weekend rest and many other things - all this is available to anyone who pays with credit cards of the Savings Bank. Moreover, such "pleasantness" appears, in fact, without contribution from your side.
Especially pleasant in the reviews referred to as ongoing actions. We have described only a few, but in reality there are many more. If you are planning to buy a new thing, just look at which of the days Sberbank will offer an increased coefficient of bonuses, and choose it for shopping!
You yourself will not notice how "Thank you" on your map will be more. And, say, after a few months, the amount will be enough for the next purchase. Only, as the reviews on the "Sberbank Bonus Program" show Thank you ", it is important to confirm your bonuses in time. The thing is that if you do not use the card for a long time, they can be canceled. Some users with insult tell how accumulated for 2-3 years bonuses were written off. Therefore, when opening a map, ask when you need to confirm all your "Thank you" in order to avoid unpleasant surprises.
As some users write, the process of accumulating bonuses can become something like a gambling game. Buying milk or bread every day, you little by little, but increasing the balance of their "Thank you." Interest from the "game" is to save enough money to purchase the desired product.
Waste of bonuses
Those who have already bought something for the "Thank you" bonuses from Sberbank (we also managed to find the responses of these people) write that it is very pleasant: to realize that the thing you have acquired is actually a freebie, solely thanks to the action from the bank. Therefore, in fact, the game is worth the candle - the pleasure to pay with bonus funds is really worth it to use credit cards always and everywhere. We wish that you also have the opportunity to experience this feeling when you make the desired purchase on the funds received by donation.
At the same time, that the program is praised in every way, there is also a category of negative reviews in which users complain about certain circumstances with cards. With a view to understanding which programs have shortcomings, we also studied them. Next, we simply collected the typical situations that the clients of the bank encountered, and explain why it happened to them.
Loss of bonuses
In fact, when the accumulated funds have disappeared from the user's card, a lot has been described. In order to understand why this happens, you need to go to the "Rules" and learn more about the main conditions of the program. In particular, here it is stated that all bonuses can be written off if no transactions have been conducted on the card in the last 12 months. Or bonuses were not used for 36 months from the moment of their receipt. And also if the contract with the bank was terminated on participation in the program. In addition to these, there are other reasons that do not depend on the client. For example, this is a situation where a partner company can not fulfill its obligations. Or she simply refused to participate in the program. Devoted to the program "Thank you" from the Savings Bank, the guest list is full of comments from people who forgot about the rule 12 or 36 months and eventually lost their bonuses. Remember this when you are going to save bonuses for a more serious purchase.
There is another category of cases mentioned in the reviews. These are possible checks on the legitimacy of calculating bonuses on the part of the bank. Again, there is a category of recommendations in which the "Thank you" action from Sberbank is described. The reviews note that immediately at the time of purchase (when bonuses should happen to be written off), the card can be blocked by representatives of the bank's security service. Some users describe that when they called the hotline in order to understand what was happening, they heard the consultant's comment that the card would "hang" in the locked state until the owner sent detailed information about some of his purchases. This happens, in particular, if a payment was made from a card to a foreign online store. Scribing screenshots of the operations, you can unblock the card and return "Thank you" from Sberbank. Comments, discussions of the program by those who have already gained some experience with it, show, however, that this does not always work. And the bank can really find some operation suspicious, refusing to charge bonuses.
What for it to partners?
Many of those who are interested in the program, ask the question "And why is it to partners?". What is the benefit for a store or restaurant in order to return to the buyer 2.5 or 10 percent of the value of the goods?
It is obviously “Thank you” from Sberbank negative reviews of partner organisations (as, indeed, positive) to find us, most likely, will not succeed. Attention should be paid to the fact that the program is constantly growing the number of partners (stores that are willing to give bonuses). So it is profitable from the point of view of advertising, attracting customers, increasing sales.
So, we analyzed the reviews of Sberbank of Russia ("Thank you"). For Sberbank, this program is a great way to increase the number of users of cards and to motivate people to keep funds not in cash but on accounts. To partners, apparently, it is favorable from the point of view of promotion. People who pay for purchases with a card, and as a result get an opportunity to buy even more, such an action makes it possible to save money. Let the interest rate of return of the spent money is rather low, as a result of which it will take a long time to accumulate. The main thing is that everything happens unnoticed, in fact, without your participation. And after a couple of months you see the accumulated amount and rejoice that at one time they issued a card of Sberbank.
It is important only to get acquainted with the details of the program and read its rules in order to know how accruals and bonuses occur when they burn. So you, at least, will be sure that "Thank you" will not be lost just like that, but will please you with a new purchase!