2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16
A credit card is a very convenient tool for paying for services and an easy way to get a loan. Let's look at how it is designed and how to use it.
How to get a Sberbank card and what are its advantages?
All credit cards of Sberbank provide the opportunity to use a grace period that lasts for 50 days, that is, during this period of time, interest on the funds spent is not charged. It is also worth considering one nuance. If the purchase was made some time after receiving the card, then the grace period will decrease. Also, if the money was taken by cashing it out through an ATM, then you can not count on such a benefit.
How to apply for a Sberbank credit card?
Any citizen of Russia aged 21 to 56 (women) and 51 (men) has the right to receive a credit card. An exception is made only if the client has a salary card in the same bank. It must be registered in the region where the bank is present. How to get a cardSberbank, if there is not enough work experience? No way. The total work experience must be at least one year within the last five years, while at the last job the client must have worked for at least six months.
How to get a Sberbank card? What documents are needed?
Customers must submit an application for a credit card in person, directly at a branch of Sberbank, and it is better to do this through a branch at the place of residence. You can also order a credit card online, but you still have to visit the office to apply. An exception can be made for you if you are an employee of an enterprise that participates in the Sberbank payroll project. Then the credit card may not be issued at your “home” branch, but where your employer is serviced.
The following package of documents is required for registration:
- passport;
- 2-personal income tax certificate for the last six months;
- a copy of the work book, which must be certified by the employer;
- a questionnaire with personal data.
How long does it take to issue a card?
It can take several weeks to process a credit card. The bank will take about three days to make a decision. Although if your salary is transferred to a Sberbank card, then a decision can be made on the same day. The result will be communicated to you by the manager by phone. Then the card will be sent for issuance, and it will be brought to the branch. This procedure takes about two weeks.
Where and how to get a cardSberbank?
The card is issued at the branch of the bank where it was issued. The production time of this tool for payment is minimal, in a day it will be possible to use the card.
What is required after receipt?
The card must be activated at an ATM. To do this, you need to insert a card, enter the PIN code, which is provided to you in a sealed envelope. It is further used to carry out all transactions through an ATM. Also, in some cases, a code must be entered when paying for purchases in stores.
How is the card replenished?
Replenishment can be made through an ATM, cash desk or Internet banking. Topping up the card via the Internet is much more profitable, but this requires a debit card or a special current account from which funds can be transferred.
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