Sberbank credit cards: how to use the opportunity

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

In recent years, there has been a boom in the development of lending in Russia. Banking organizations that survived the first years of the financial crisis are actively developing, constantly attracting new customers. Sberbank credit cards occupy a special place in this process. How to use them and how to arrange them correctly?

First of all, I must say that despite the huge number of different programs offered by other banks, the Sberbank credit line can provide its customers with the most complete range of credit cards, which includes:

• instant;
• classic;
• premium.

How to use a Sberbank credit card

To use plastic, you must first visit a bank branch and apply for the appropriate service. The process of applying for a credit card will not take more thanone hour. The client will need to fill out a special application form and, after a short interview, receive an envelope with a card in the window from the bank manager. He will also tell you how to use a credit card correctly. First of all, it is activated and linked to the client's account. If he has the online banking function connected, then the card is registered in the borrower's account. After that, the client can start receiving cash at any ATM. Each card user has a certain limit of funds set by the bank that he can borrow. It is noteworthy that within 50 days after that the money can be returned in the same amount in which they were received. That is, the borrower does not pay additional interest for servicing the program. However, after this period, a certain percentage is imposed on the borrowed money. Today, the lowest rate of 19% (in the entire Russian Federation) is provided by Sberbank credit cards. How to use them, and at the same time not overpay, an employee of any of the branches of this financial organization can tell.

Sberbank of Russia credit card options

1. Instant. Issued in any office with one passport in 15 minutes. On them you can get up to 150 thousand rubles. at the lowest percentage - 19% per annum. The client must be over 21 and under 65 years of age. Additional bonuses and auction programs cannot be added to such a card. From the second year of use, maintenance of such plastic starts to cost 750 rubles/year.
2. Classic - with a limit of up to 600 thousand rubles. Sberbank credit cards(how to use which, you can find out from the manager or on the site) allow you to receive money immediately after the age of majority. To obtain such a card, you will need to provide a complete package of documents. Interest rate - from 18.9 to 24%.
3. Premium - Gold and Platinum class cards. The interest rate on such loans varies from 17 to 22% per year. The maximum loan amount is 3 million rubles. and allows you to receive the necessary funds anywhere in the world.

A huge number of offers makes it possible to issue any Sberbank credit cards you like at any time. How to use this service, the borrower will be told at any nearest branch of the bank. However, it should be remembered that it is better to return the money before the end of the grace period. Then you can not only repay the loan for free, but also immediately take new funds for a new grace period.