How to close the Svyaznoy Bank card: difficulties that you may encounter

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

When a bank card expires, it must be returned to the bank. But most often people throw it away as unnecessary. If such a trick passes with a debit card, then in no case should this be done with a credit card. All this is due to the fact that the procedure for closing a credit card has a number of subtle points that must be observed. Otherwise, you can remain in debt and ruin your credit reputation. Below we will describe in detail how to close the Svyaznoy Bank card and point out the difficulties that may arise during this procedure.

Action 1. Pay off debt

Some clients of "Svyaznoy Bank" open a credit card just like that - "what if it comes in handy." But she was not useful, and as a result, she lay idle. The client is calm, he thinks: if he did not use it, then there should not be any debt. However, not everything is so simple.

1. Debt canappear due to the annual service fee, which is charged even if the card has not been activated.
2. You could connect any paid service when applying for a credit card, for example, informing via SMS messages or life insurance. SMS notification fee is charged monthly. As for the insurance premium, it is written off at the beginning, immediately for the year ahead.

So, it turns out that even if the card was never used, the debt on it could appear. Therefore, before contacting Svyaznoy Bank (closing a credit card), you must first find out the debt on it. To do this, you can take a certificate of the state of the loan debt at the bank office. In addition, information about the debt can be found through the Internet bank or ATM.

If there is a debt on a credit card, then it must be repaid. How to close the Svyaznoy Bank card if the balance on it, on the contrary, is positive? In this case, you need to withdraw extra money, since the balance must be equal to zero to close.

Action 2. Application to close the card

See below how to close the Svyaznoy Bank card. The procedure includes the next step - writing an application for closing an account. In addition, you must also write an application to disable additional services, if they were connected. Do not forget to attach the card itself to them, which must be destroyed by bank employees in your presence. Don't expect it to expire the day you apply. Majoritybanks take about 45 days to complete this procedure, including Svyaznoy Bank. Bank employees can tell you how to close the card in other ways.

Step 3. Obtain confirmation certificate

If you have already decided how to close the Svyaznoy Bank card, then after the 45 days required for consideration of applications, it is recommended to contact the bank again. This time already for a certificate that confirms the fact that your card and credit account are closed, and the bank has no claims against you. This certificate is required for insurance purposes. Often there are situations in which, even with the debt repaid and after the application has been submitted, calls may be received demanding the repayment of debts.

You also need to pay attention to the date when the card expires. The expiration of the term does not mean the termination of operations on it. Svyaznoy Bank will continue to accrue commissions on it for annual maintenance and related services. Therefore, we recommend that you monitor the expiration date of the card, even if you do not use it, and close it in time so that there are no unpleasant surprises.

What other options are there

How to close the Svyaznoy Bank card if you are outside our country? In this case, the service of temporary suspension of the credit card will help you. To do this, you need to call the Svyaznoy Bank hotline. Your further actions will be prompted by consultants. This service will be especially appropriate in case of loss or theft of the Svyaznoy Bank card.

How to close a card forever without a personal presence at the bank office? If you are sure that there is no debt, you can use the Internet banking system. To do this, you need to fill in all the required fields in the "Close account" section, after which the account will be closed forever. An application submitted through this system will also be processed within 45 days.