A credit card is the best option for people who do not like long waiting times for wages and who want to buy goods here and now. This versatile product is relevant in any economic situation, and in order to benefit you more, you should familiarize yourself with the basic conditions on which it is provided.
Sberbank credit card, the conditions of which depend on various factors , has several features.
In fact, the conditions for obtaining this card are the same as the requirements for obtaining a consumer loan.
Additional costs and obligations
Sberbank credit cards, the terms of use of which we have already considered, involve some additional costs.
- If you decide to cash out the borrowed amount, the commission is 3%... For other banks, this value is equal to 4% of the total.
- If a certain payment is delayed, you will have to pay a fine of 38% per annum.
Important! You can take insurance, which traditionally increases the likelihood of a positive response to a loan application! She will not only help to solve this problem, but will also become a "magic wand" in the future.
Benefits of the card
The conditions for obtaining a Sberbank credit card are relevant due to some advantages:
- The procedure is simple and quick, it can be done in any department of any city. Sberbank is an organization with a wide network of branches, so there will be no problems finding a suitable branch.
- As for the interest rate on loans, Sberbank has it much lower than that of other organizations. Therefore, it will be impossible to ignore their main proposals.
- Security is what Sberbank is famous for. Your funds will always be "locked up", so you shouldn't worry about it.
- The new service "Thank you from Sberbank" allows you to pay for purchases with points, which are awarded each time you pay for goods in partner stores. This makes it very convenient to save money, in some stores you can use points to pay up to ¾ of your purchase.
- Sberbank provides an opportunity to use a variety of free services that will simplify the work with transfers, payments for purchases or services, etc. For example, the Sberbank Online system or a mobile bank designed for operations using a phone.
- If you lose your card, you can urgently request the issue of money.
disadvantages
- The biggest drawback is the high commission for cash withdrawals - 3 percent.
- High maintenance cost - 3 thousand rubles.
- While other banks are ready to provide a credit limit of up to 1.5 million, Sberbank does not want to risk it, it only provides up to 600 thousand rubles.
- If you make a purchase in small stores, then there is a high probability that you will not be able to pay for the goods, since usually only debit cards are accepted in such places.
- The interest rate is quite high - 24% per annum.
Additional services
A credit card from Sberbank suggests the possibility of customers receiving additional bonuses for using.
- The mobile bank will help you manage your money through your mobile phone. You will receive notifications about transactions occurring with your account, this will avoid misunderstandings.
- If you suddenly lose your card, you will be able to urgently withdraw cash from it.
- The ability to use basic and additional options of Sberbank online.
- Lack of hidden fees and other pitfalls.
Varieties of cards
Credit card from Sberbank offered in several versions:
The cards themselves are divided into types:
- finances are poorly protected;
- the limit of funds on the card is 50,000 rubles, then the bank will take a commission of 1%;
- not all shops and online stores accept payment.
Receiving Sberbank cards
The most convenient way to get a credit card is to visit a bank branch. Here they will be happy to answer all your questions and kindly help you get a bank card. The workers will literally do everything for you, you only need to present some documents:
- passport;
- documents confirming your employment and income.
And when issuing a "Youth" or an instant card, you only need a passport.
After that, the staff will tell you the day when the card is ready, and will give you all the details that you can start using today.
Using credit cards
To start using the card, you must first activate it. If this operation was not done upon receipt, then you can do it by calling the Sberbank hotline (information on the official website). After activation, you can use the card by doing the same operations as with the debit card.
There is only one main difference: the funds on the account are credit, i.e. within a strictly specified time frame, the card must be replenished so that there are no debts.
Termination of use
It is worth knowing that it is impossible to close the account and stop using the card just by one desire, because initially you assumed some obligations. To stop using the card, you should know the procedure:
- Take the contract that you received at registration and study it. If there is a clause that provides for a penalty for early termination of using the card, then you will have to pay according to the specified conditions.
- To find out the exact amount owed, contact the bank branch and apply to close your credit card.
- Wait for a response that includes a response from the bank. If you receive approval, then you can safely hand it back to the bank branch.
The estimated amount of funds to be credited depends on the client's credit history. In general, the conditions for a Sberbank credit card are quite favorable, but there is one BUT. If you become a debtor with a decent amount of debt, then the bank will not wait for the expiration of the statute of limitations and will file a lawsuit immediately. The institution values its reputation and presupposes honesty and transparency in relations with the client under all credit programs, this is the approach that makes it the leading bank in the country.
