Visa Gold credit card: reviews, conditions and features

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

The development of consumer lending in Russia today has reached a certain level: credit cards (with a lower or higher credit limit corresponding to the client's income) are issued to the majority of consumers of banking products. For example, by participating in a salary project, that is, receiving a salary on the card of this bank, you can get a credit card on a personal offer. The same applies to deposit clients. Sometimes a credit card can literally be forced (bankers also have a plan to follow). In today's article, we will consider such a type of banking service as a Visa Gold credit card. Reviews abound for this product.

About the product

He has been a leader among various bank lending programs for many years. The Gold version credit card can be serviced using two payment systems: VISA andmastercard. This card has a fairly large credit limit and a long grace period. In this article, we will talk about the features and conditions for using this banking product, as well as the benefits of the bank.

Terms of registration

Gold credit cards issued by Sberbank of Russia are issued exclusively on special bank offers for regular customers. Such a card has a number of significant advantages and differences from standard credit programs. According to reviews, the conditions of the Sberbank Visa Gold credit card are quite understandable.

As a rule, they look like this: the maximum limit is up to 600,000 rubles, the interest rate is 25.9%, the grace period during which a refund is possible without interest is 50 days, the card is valid for three years, after which there is an automatic replacement. The plastic card is issued free of charge and without an annual service fee, protected by an electronic chip. Additional cards are not issued under this program, which is noted by some customers as a minus in the work of the bank.

Reviews on the Sberbank Visa Gold credit card will be discussed below.

Customer requirements

It is not enough to be among the regular customers of Sberbank to issue VISA Gold. To receive this personalized offer, you must meet the following conditions:

• age must be between 21 and 65;
• citizen must be registered in the region where the banking product is received;
• total work experience must be more than one year, and in last place - at leastsix months.

The bank provides a passport and a certificate of employment 2-personal income tax, pensioners provide an extract on the amount of pension accrual. This is confirmed by the reviews about the Visa Gold card.

Design

Since this card is issued at the personal offer of the bank, its receipt is carried out according to a simplified scheme. As a rule, the bank informs that the card is pre-approved two months before receipt. This is done in one of two ways: by notification in your personal account or via SMS. A credit card is issued at the Sberbank office, this procedure does not take very long.

VISA Gold card replenishment methods

To replenish a credit card, for the convenience of customers, Sberbank has developed several methods:

1. Through ATMs and branches of Sberbank, you can deposit money without commission.
2. Possible non-cash transfer using Internet banking and personal account.
3. Through ATMs and payment systems of other organizations, including from an electronic wallet, of course, with the payment of interest under the conditions.

Third-party banks provide for the withdrawal of a commission (up to 5% of the transfer amount) when replenishing the card through their terminals, ATMs or branches, the term for crediting money can be up to three banking days.

Features of the pre-approved Sberbank VISA Gold credit card

Reviewsconfirm that among the peculiarities of using a gold card are the following factors:

1. 24/7 service provided through the head office of Sberbank.
2. In the event that you lost your card while abroad of the Russian Federation, an urgent cash withdrawal is possible.
3. Subsidiary branches of Sberbank located outside the Russian Federation issue cash on the same terms as in Russia.
4. It is possible to link an account to an electronic wallet.

The availability of additional opportunities in the use of VISA Gold provide significant advantages over other credit products. The main advantage of any credit card, including the VISA Gold card, according to reviews, is the absence of the need to enter into direct relations with the bank or its representative office if funds are needed urgently. That is, the procedure is greatly simplified: instead of going to the bank, thinking and worrying about issuing a loan, you just go to the nearest ATM and withdraw money or pay for purchases in a store with a card, limited to a credit limit. You can keep a credit card, so to speak, for a "rainy day" without using it. In this case, the bank will not charge interest. From this point of view, such a banking product is very convenient to use, but you need to remember some nuances. The preferential limit is 50 days for a Sberbank of Russia Visa Gold credit card. Reviews are provided at the end of the article.

What does this mean? And that means that it is possibleusing credit funds is absolutely free, but the debt must be repaid within a period not exceeding 50 days. In this case, you use cash, but the bank does not charge interest. It should only be remembered that this provision applies only to those expenses that you made by bank transfer. When withdrawing cash from an ATM, different rules apply. In this case, a fee is charged for withdrawals, which is 3% of the withdrawn amount or at least 390 rubles. This must be taken into account. In addition, when using a gold card abroad, there is a risk of later receipt of information about the balance of funds on the account.

As a result, the balance correction occurs later than necessary for timely payment. This is fraught with the accrual of interest, which can turn the minimum amount into a rather large debt. In addition to all this, when using a gold credit card, you should be aware of the so-called secondary dangers. Such pitfalls are caused by the peculiarities of human psychology. As a rule, a person who pays with a credit card does not lose cash, it remains in his pocket. There is no feeling that you spent more than you planned, since in fact the payment is made with virtual money. As a result, you spend much more than you planned, so you should think before using this banking product and treat it like cash.

Real owner reviews of Visa Gold from Sberbank can be found in large numbers.

Grace period exceeded

If you failed to repay the loan amount during the grace period, then, unfortunately, this means that the bank will charge interest. And they will amount to quite tangible amounts. They must be repaid on time in accordance with the schedule drawn up by the bank, otherwise pen alties will come into force, which can increase the amount of the payment by an order of magnitude. Care must be taken to ensure that after depositing funds, no debt remains in the account. This can be done at a bank branch, on the website or at an ATM.

Closing the golden card

If you have an unused Sberbank gold credit card, you should remember about the terms of its service, since they do not change. The bank does not stop accruing interest if there are arrears in payments. The card must be properly closed in order to avoid further problems, disputes with the creditor and make life easier for yourself, saving money and nerves. In order for the closure to happen correctly, you must first pay off all your debt obligations on this card (you can find out the exact amount of the debt by calling the phone number indicated on the card or in your personal account on the bank's website). Then you need to submit an application for closing a credit card to the branch that issued it. After the application is submitted, the plastic card remains with the manager, who is obliged todestroy in the presence of the client. Further, the client has the right to receive a certificate of no debt to Sberbank. This document can help in case of disputes.

Safety

It should be reminded that fraudsters can use the credit funds on the card, so if you lose your Visa Gold card, you should immediately contact the bank in order to block it. If, nevertheless, the theft of money from the account has occurred, then this is also a reason for contacting the nearest bank branch as soon as possible. The staff will advise you on the next steps. What are the reviews about the Visa Gold card?

Reviews

Having a gold credit card has its upsides and downsides. Let's try to figure it out with the help of customer reviews. Impressions based on the personal experience of borrowers are always much more valuable than advertising slogans. Most borrowers among the main advantages note a long grace period (50 days), during which interest-free loan repayment is possible. In addition, there is no annual card maintenance fee, which is also good news. Among the negative reviews, there are often complaints not about the banking product itself, but about customer service: delays in queues, incompetence, and sometimes rudeness of employees. Another significant disadvantage customers consider high interest rates for cash withdrawals. But many consumers are quite satisfied with the service and the credit itself.product.

But this is only a small part of the reviews about the Sberbank Gold credit card.

Conclusion

Analyzing all of the above, we can say that this is a good banking tool for unforeseen situations. However, it is also necessary to take into account the shortcomings of this product, otherwise indiscretion can threaten a real debt hole, from which it will be very difficult to get out. If you handle a gold credit card with care, then trouble can be minimized. It is also worthwhile to objectively assess your financial capabilities and real income when issuing a card.

We reviewed the real reviews and conditions of Visa Gold from Sberbank.