Today almost every person has a credit card of that other bank. Some even have a few pieces. But not all people, even with this plastic on their hands, use it for their intended purpose. The fact is that many do not know how to use the credit card of Sberbank. This payment tool has become very popular in Russia due to transparent conditions and high service. Therefore, consider it in detail.
The credit card of the Savings Bank is used to withdraw cash, pay for goods and services at retail outlets, online stores, at auctions, etc. To register this payment instrument, you need to contact any branch of the bank, fill out a form and provide the following documents:
- certificate of income for the last 6 months;
- a copy of the work book for the last six months.
The bank will issue a decision on whether the client receives the card or not, two days later. If it is positive, you will need to go to the office again. Upon receipt of the payment instrument, the employee will ask the customer to sign on the reverse side of the plastic. This must be done to further identify the card. Activation of the payment instrument will occur the next day after receipt.
Russian Sberbank releases payment instruments as the own system Sbercards AU and international: - Visa / Mastercard Momentum (Classic, Standart, Gold and Platinum). But the most popular and cheap are only two kinds. This is Visa / Mastercard Classic / Standart. Let's consider them in more detail:
- grace period: 50 days;
- Credit limit: 15-600 thousand rubles;
- commission for cash withdrawal - 3-4%;
- service charge: up to 750 rubles;
- daily limit on withdrawal of money: 150 thousand rubles.
It really is a great payment tool - no bonuses, savings programs, but with hefty fines, - credit card Savings Bank. What percentage will have to be paid to the client in case of late fulfillment of obligations? 38% per annum. For comparison: on the Gold card this expense item is 36%.
The financial institution offers its clients very acceptable conditions. First you need to know the credit limit established on the card. It is renewable. That is, using and returning money once, you can repeat this operation in the future. The limit depends on the incomes of the owner of the plastic. It is better to use the card for non-cash settlements. If the client returns money in the grace period (50 days), then you do not need to pay for using them. The number of organizations that accept cards for non-cash payments is constantly growing. This payment instrument can pay utility bills without commissions.
Grace period is calculated by a very complicated scheme, but it is worthwhile to understand. The first thing you need to know is that it applies only to non-cash payment for goods and services. Withdrawals and transfers to another card are not considered. The countdown starts with an individual date. It is indicated on the envelope with the PIN-code. From this day a new calculation period starts monthly. It lasts a month. The next 20 days are called the payment period, during which you need to pay off the debt. That is, the maximum grace period is 50 days, and the minimum grace period can be 21. Consider this scheme on examples.
1. You made a purchase 10.07, and the beginning of the grace period you have - the fourth day of each month. That is, there are 24 days left (04.08). By 24.08 it is necessary to return the amount of funds used before 4 August. And what about the money that was withdrawn from the card during the billing period? They need to be returned before 24.09.
2. If the first transaction on the card was on August 30, and the reporting date starts on 04.08, then until the end of the settlement period there are 5 days left, and the payment date - 25.
So how can you use Sberbank's credit card with financial gain for yourself? First, conduct transactions at the beginning of the billing period. Only in this case you will use money for the longest period at preferential rates. Secondly, do not shy away from the payment schedule. If the terms are violated, then the remaining amount will be charged interest. This money will need to be returned next month.
How to find out the exact amount
When making a card in the form, you need to specify how you want to receive notices about the amount of debt: by email or monthly personal meeting with a bank employee. In the first case, an email with an exact date and the minimum payment amount will come to the e-mail. These data can also be obtained in the personal cabinet on the website of Sberbank, in the "Detailed Information" section.
Using a credit card of the Savings Bank has a number of advantages in the implementation of non-cash payments. To withdraw money, it is not intended. During this operation, an additional commission of 3% is charged: 30 rubles each. for every 1000. If you consider that the minimum credit limit is 15 thousand rubles. then for cashing this amount will have to give 450 units of the national currency of Russia. Why does the bank impose such large commissions on this operation? Almost all financial organizations of the country do this. These actions are aimed at encouraging customers to actively develop modern technologies - paying for purchases on the Internet. The best tool for such transactions is a credit card of the Savings Bank. You can withdraw cash from the ATM of another financial institution. But then the percentage for service will increase to 4.
Transfer from a credit card of Sberbank
There are several ways to implement such transactions.
1. Through POS-terminals - devices for non-cash settlements. In this case, you need a PIN-a short four-digit number. It must be remembered and under no circumstances should anyone notify. Even a bank employee!
2. How can I use Sberbank's credit card when making payments through Internet sites? In this case, you will need to enter a code in the special form CVC2 or CVV2. It is indicated on the back of the card on the signature strip.
Be very careful. Pay for goods and services through the Internet is better on reliable and large online services. They use special software to improve the security of transactions. On some sites even there is a firm symbolism of the international payment systems.
3. Transfer of money through the cash desk of the Savings Bank. You only need to get to the bank branch, inform the operator all the necessary details and pay a commission of 1% of the amount. This classic method is still the most popular. Clients do not even bother with the fact that it is necessary to defend long lines in the bank in advance.
Transfers of funds to the card
There are many more options for doing a reverse operation.
1. Through the Sberbank-online system - the fastest way. Funds are transferred instantly and without commissions. The system authenticates the card data.
2. Through the ATM of the Savings Bank with the function of accepting cash. The commission for this operation is not collected. The ATM does not give change, so it's worth to prepare the bills and pre-count them.
These operations can also be carried out through POS-terminals or Sberbank cashier.
Replacement of plastic carrier
Depending on the type, the term of the payment instrument is 1, 2 (AS Sberkart) or 3 (Visa / Mastercard) of the year. At the end of the card can be extended or replaced. To do this, you need to contact the bank branch and provide a passport.
The SberCards are not re-issued. The Bank extends the term of the card for the period specified in the client's application. During this procedure, you can also replace the pin code. The validity period of the credit card of the Savings Bank Visa or Mastercard is indicated on its front side. At the end of this date, the plastic needs to be replaced. Usually the bank independently re-issues without a preliminary request. The exception is those cases when the account for 3 years there were no movements. Re-release on pre-order takes 2-3 weeks. At the end of this period, the client must appear at the bank's office and receive a new registered plastic. The bank employee immediately destroys the old card. The account number does not change, the pin code is issued in a sealed envelope, and all the money from the old card automatically falls on the new one.
Increase the limit
With the constant use of the card, a situation arises when the need for borrowed money increases. In such cases, you can try to increase the credit limit. The bank willingly meets the client, if he cooperates with the financial institution for a long time and has a stable high income. Previously, to expand the limits of the limit, it was necessary to write an application in the office and attach a certificate of income for the past six months. Recently, the bank independently began to conduct such operations. But not for all customers. To get on the "white" list, you need to constantly use the card for at least 6 months, timely and in full, make all necessary payments and at least once a month pay for goods at outlets. This is the only way to increase the limit of the credit card of Sberbank. Usually an overdraft increases by 20% of the original. But what if you do not want to use the increased limit. In this case, you can refuse from it within five days by any convenient way: by calling the hotline, visiting the office of the office, online via the Internet.
In the event that the client independently applies to the office with the request to increase the limit on the card, all security documents submitted will be checked with special scrupulousness. The financial institution will not take risks at any time at the request of the client. Therefore, you need to be prepared for any situation. For example, you may be required to return the already used amount to the card before the grace period expires. An application for increasing the limit is considered within three working days.
Plastic cards have long been included in our lives. And not only debit, but also credit. Some even get a few cards at once. But you need to know all the nuances of handling such a credit card and be able to pay for it in stores. Such a payment instrument has a limit and a grace period. If you do not go beyond the first, as well as time to return the money, it will not arise too many questions about how to use credit card Savings Bank.