2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16
Users of plastic cards of the country's largest bank periodically face problems in their use. The most common in this case are: chip failure (the card is "not readable" in terminals and when paying in stores), the inability to pay online, the delay in transfers from a plastic product. Any problems with Sberbank cards cause inconvenience to the owners, so each of the cases requires a quick solution.
Card stopped reading: what to do?
One of the reasons why there is a delay when paying with a card in shops and cafes is a plastic malfunction. The card chip is most susceptible to deformation, which is also a protection against hacking of the product.
The chip is on the front side and tends to wear off with constant use of plastic for 3 years. It is for this period that most cards in Sberbank are calculated.
Problems with bank cards of Sberbank associated with a malfunction or gradual erasure of the chip are solved by reissuing. To do this, the client must contact any branch of his region and select the "Cards" coupon, the "Reissue" tab on the screen of the electronic queue.
Since 2018, the opportunity to issue a card reissue has appeared in the "Personal Account of the Client" - the Sberbank Online service. To perform the operation you need:
- enter the program;
- find a bank card with a technical problem;
- in the "Operations" tab opposite the product, select "Card Reissue";
- choose the reason for the reissue - "Seized by ATM / Damage or technical malfunction" and the office to receive;
- click "Reissue", confirm the operation.
Reissue solves problems with payment by Sberbank card at retail outlets. With an early reissue, the card expiration date does not change, unlike the product number.
If there are difficulties with the chip, the type of card product does not matter. Problems with the "VISA" card of Sberbank are similar to the difficulties with plastic cards "Master Card" and are solved by reissuing.
Why doesn't the card work when paying online?
Problems with Sberbank cards when paying on the Internet are most often associated with the type of payment instrument. Some of the bank cards are not intended for payment on certain sites. This applies to instant issue cards - MOMENTUM, including credit cards.
If the user regularly makes purchases online, he should issue a personalized card. Its cost is from 450 rubles a year, but the possibilities far exceed the resources of instant issuance cards.
An application can be made both at the bank's office and at Sberbank Online. The production time of the product does not exceed 14 days. The client can pick up the card at any convenient office at the place of registration. For registration and receipt, only a passport is required.
Delays in transfers
Problems with transfers from a Sberbank card can arise both when making a transaction at a bank office and in remote service channels.
What to do if the money is "stuck" during the transfer process in Sberbank:
- If the problem is related to the payment of utilities, the funds can be transferred to the provider's account within 48 hours of being debited. It is recommended to keep the shipping receipt for the specified time. Otherwise, they will be transferred to the credit card account, after which the client must return to the bank to resend the funds.
- When sending money to an individual, the delay may be related to the recipient's card. If it is defective or is on reissue, the money will be returned to the sender. Otherwise, it is recommended to write a claim for a refund. Application consideration period - up to 10 days.
If the sender cannot wait for the funds to reach the specified account, he should contact the administrator at the bank office. The manager will consider the client's complaint and tell you what to do so that the funds are returned to the user's card account or reach the recipient as soon as possible.
Problems with Sberbank cards in terminals and ATMs
Sometimes users face difficulties using cards in bank terminals. The most common nuisance is the freezing of the ATM, which often leads to the "swallowing" of the card.
Such problems with Sberbank cards are solved in two ways:
- Reissue registration. If the transaction was performed at terminals outside the company's office, for example, on the territory of a retail outlet, then the card is subject to blocking with subsequent reissue. The operation is free. To block a credit card, you should call 900, give your full name, passport details, address, code word. The support service also accepts requests for card reissue.
- Withdrawal of the card in the presence of the client. If a credit card is stuck in an ATM inside the office, employees can get it during the work of the branch (if there is such a technical possibility). To do this, you must contact the cashier or office administrator and present a passport to confirm the identity of the cardholder.
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