How to replenish a Sberbank credit card: methods and rules, step-by-step instructions for replenishment

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

Clients of the country's largest bank actively use credit products with a grace period. Sberbank credit card is a profitable way to buy goods without waiting for wages. In order not to pay a commission, the user must be aware of how to replenish a Sberbank credit card.

Features of plastic products of Sberbank with a grace period

Credit card users should know everything about the product: how to use it without interest, which stores accept payments, what threatens for late payments and the annual rate.

Sberbank credit is highly convertible: the product is accepted for payment at 99% of acquiring points. The grace period is from 20 to 50 days. The interest rate depends on the year of issue and varies from 19.9% to 27.9%.

The product's capabilities as a means of payment allow you to top up your phone with a Sberbank credit card, pay off utility bills or a loan. As part ofgrace period, the commission for using credit funds is 0%.

What is a grace period?

Grace period - this is the time interval during which customers can use a credit card and not pay interest to the bank. In Sberbank, it does not exceed 50 days. If during this period the owner pays for purchases and manages to pay 100% of the amount spent, the bank does not charge interest for the use.

Many customers do not know if it is possible to replenish a Sberbank credit card in installments during the grace period. The financial institution does not impose frequency or amount limits. Clients have the right to deposit at any time and in any convenient way.

How to calculate the grace period to avoid paying interest?

In order not to overpay for using bank funds, you need to know when and how to replenish a Sberbank credit card account. To do this, you need to be able to calculate the beginning and end of the grace period.

The calculation uses the reporting and payment date. The reporting date is the day the credit card is issued. The due date is the time the purchase was made.

To maximize the period (50 days), it is recommended to pay by credit card on or immediately after the report date. For example, when paying for 5 days after, it decreases by 5 days, if the purchase is made 14 days after the report, the period will be 36 days (50 - 14=36).

How to top up a Sberbank credit card: all options

Methods of depositing funds for a plastic productSberbank differ in the size of the commission, speed and convenience. Most customers prefer to use the services of the issuing bank, but in emergency cases, alternative options are used.

Methods of transferring funds to the card account.

1. Through Sberbank Online.
2. On the Remote Service Channel Network (RSC).
3. At the cash desk of the issuing bank.
4. Via online wallets.
5. At the box office of banks and third-party financial institutions.
6. Via payment terminals.
7. On the mobile app.

Any of the options allows you to replenish the limit of a Sberbank credit card from 3-6 hours to 3 days. The commission depends on the chosen method, but does not exceed 5% of the payment amount.

Paying a credit card through Sberbank Online

This is one of the most convenient ways to deposit funds. Money is credited to the account within 3-12 hours. The maximum enrollment period is 24 hours.

Registration is required to deposit via Sberbank Online. It is allowed to enter using the number of any client card or login from the terminal.

After registration, the client gets to the main page of the site, where all card products are displayed.

How to top up a Sberbank credit card in online banking? Step by step instructions below.

1. Find a credit card in the list of cards. Click on a product.
2. Select in a new windowitem "Top up the card". Select an account to debit.
3. Enter the amount. Press "Next". Confirm operation.
4. Check debit card charges.

Each successful operation is confirmed by the "Completed" status. You should not worry that after debiting the credit card balance has not changed. Money does not come before three o'clock. If after a day the card balance has not changed, it is recommended to contact the support service.

Payment via UCO

Terminals and ATMs of Sberbank are open 24/7. This is another way to replenish a Sberbank credit card without commission. To complete a transaction, the client must have a credit card or any debit card in their name.

Step-by-step instructions on how to top up a Sberbank credit card through an ATM:

1. Enter product, dial PIN-code.
2. Select "Deposit Cash".
3. Insert bills. In the terminal - one at a time, at an ATM it is allowed to deposit in a bundle.
4. Press "Deposit cash". Wait for funds to be credited.

After completion, a message will appear on the screen that the operation was successful. If desired, the client can print a receipt.

If the owner deposited funds to a debit card, after depositing, you need to transfer money between your accounts ("Transactions between my accounts", "Transfer from card to card").

Payment at the cash desks of Sberbank

Replenishment of a credit card through an operator does not requirespecial skills. The owner of the means of payment must take his passport and card with him. It is allowed to deposit cash only with a passport at the territorial bank within which the plastic product was issued.

How to top up a Sberbank credit card at the company's office:

• take a coupon "Transfers" or "Cash";
• go to the window after the call;
• tell about the purpose of the visit, prepare a document and a map;
• pay off with a bank employee;
• sign documents;
• get a copy.

If the transaction was carried out through a cash deposit on the card, the money will be received within 6-24 hours. When making a transfer, the receipt time may be up to three days.

Using online wallets

More than 85% of Russians use Internet payment. Every second is a Yandex. Money, QIWI or Webmoney client. Applications allow not only paying bills, but also transferring funds to cards.

In order to make a credit card payment using an online wallet, an account is required. Registration takes no more than 5-10 minutes. You need to enter a mobile phone number and an email address. Once identified, simple transactions such as payments are allowed.

To transfer to a card (withdraw funds), you need to receive a status confirmation. It en titles you to an extended list of services, including a transfer to a Sberbank credit card. To receive it, you need to fill in information about yourself: full name, address, passport. Confirmation is made after sendingcopies of the document. The term for assigning the status is up to three days.

After receiving the status, credit card users can transfer to her account. A commission may be charged from 1% to 3% + a minimum amount (for example, 50 or 100 rubles).

Cash deposits through third party financial institutions

Other banks, mobile phone shops and transfer points carry out financial transactions related to the payment of contracts. The use of third-party organizations is another option for replenishing a Sberbank credit card.

Choice of users:

1. Money transfer in banks. The term for receipt of funds is from 1 to 5 days. Commission - from 1% to 7%. Transfer is possible only after the submission of documents (passport, credit card account number, Sberbank details) and the plastic itself.
2. Payment in terminals of other banks. If it is technically possible, the payer can replenish a Sberbank credit card from another card. The term of execution of the operation depends on the bank, but cannot exceed 7 working days. A commission is charged - 1-5% of the transfer amount.
3. Repayment of debts in mobile shops. MTS, Euroset and other companies provide financial services for Sberbank credit card holders. Transfer interest - from 0% to 3%. Money arrives in 2-3 days.

Payment terminals as a way to repay a loan

The user can top up the Sberbank credit card limit at QIWI and other payment terminals.systems. The transaction requires a credit card number.

To deposit money, you need:

1. Select the service "Replenishment of the card account".
2. Enter credit card number - 16 digits on front side.
3. Collect payment amount.
4. Check out the commission.
5. Deposit cash and confirm the transaction.

Accounting takes place within four days. When depositing cash, the user must be aware that the terminals do not give change. The disadvantage of this method is a high commission: for every 100 rubles, the client pays the service provider at least 15 rubles.

Payment through the mobile application of Sberbank

Clients with a smartphone can transfer funds between their accounts 24/7. Through the mobile application of Sberbank, it is allowed to make payments by credit card from any debit card of the owner.

Instructions on how to top up a Sberbank credit card in the mobile version of Internet banking:

1. Log in to the app using your personal 5-digit code.
2. Select the "Payments" tab.
3. Click on "Between your accounts".
4. Select a debit card to charge.
5. Make sure the credit card is a credit card.
6. Enter the amount and click "Continue".
7. Confirm transfer.
8. Make sure the operation is successful.

The term for making a transfer in Internet banking does not exceed 24 hours. The client can save the electronic version of the check and send it to the mail, social network or messenger.

Why the payment might notwalk?

When paying off the Sberbank credit card limit, the owner must carefully check the details of the operation, even if it was performed at the bank through an operator.

There are several reasons why the money was not credited to the credit card holder's account.

1. Incorrect data. Invalid account number, card, bank details.
2. Incorrect execution of a transaction, such as depositing cash without confirmation, as a result of which the money was returned to the carrier.
3. Having a large debt. If the interest for the use of funds exceeds the amount of the contribution, the owner of the credit card will not see a change in the balance. All funds will be used to repay interest, according to the priority under the loan agreement.
4. Technical failure. In this case, the client must keep the receipt indicating the amount, date and time of the operation. The document is presented at the place where the service is performed. For example, if a Sberbank ATM accepted but did not credit funds to a credit card, the payer must file a claim at the bank office.

What to do in this case?

The owner of a Sberbank credit card must remember that funds are not credited to the plastic card account immediately. The term of receipt does not exceed 24 hours. If funds for the specified period have not been credited to the account, you must:

1. Contact the contact center of Sberbank by calling 900 (or the one indicated on the back of the plastic card). The operator needs to specify the method of enrollment, the data of the owner of the credit card,card number. A code word is used for identification.
2. Come to the bank office. Passport required. The manager will get acquainted with the conditions for receiving funds, and, if necessary, make a claim.

The term for resolving the issue takes from 1 to 30 days. In 90% of cases, money is credited within 48 hours after the user's request.