Today, almost every one of us has a credit card. With its help, we can pay not only by our own, but also by borrowed funds. After reading this article, you will learn what a mandatory payment on a Sberbank credit card is.
Under what conditions is a plastic card issued?
Almost every citizen who meets the requirements of the bank can get a credit card. So, the potential borrower must have an internal passport of a citizen of the Russian Federation. The client must be at least eighteen and no more than sixty-five years old. He must have a permanent residence permit and official workplace. The experience of the borrower should not be interrupted for more than a month.
Before you figure out how to calculate the mandatory payment by credit card of Sberbank, you should understand what you need to get the plastic itself. To apply for a loan, you must contact your nearest branch and present the required package of documents. After that, employees will offer to fill out an application form and enter passport data here. In addition, the bank employee has the right to ask for an additional document proving the identity of the client. This can be a military ID, a passport or a driver’s license.
It may take several days to consider the application, after which the borrower will be notified of the decision.
Advantages of Sberbank credit cards
Its design is carried out only once. After the card expires, the bank will automatically reissue it and notify the customer by sending him a message on his mobile phone.
A credit card often becomes an indispensable helper in unforeseen situations, when you urgently need money, but there is nobody to borrow it from. Withdraw funds are allowed an unlimited number of times. The organization independently calculates and sets a credit limit. The so-called grace period is granted to the borrower , during which no interest is accrued for using cash. As a rule, it does not exceed 50 days. If necessary, the card can be reissued ahead of schedule, and an extract from it can be found through e-mail.
What is a mandatory payment by credit card of Sberbank?
This term refers to the minimum amount of money that must be paid into the account before the loan is fully repaid. Its size is determined taking into account the total debt of the client. As a rule, obligatory payments by an individual should not be less than 150 rubles.
To repay the debt, the borrower does not have to pay all the money immediately. It is enough just to regularly receive an amount equal to 5% of the principal debt to the account. If necessary, this figure is supplemented with interest for use and late interest.
How to find out the amount of a monthly payment?
You can get such information at the nearest bank branch. In addition, some agencies provide the required information via the Internet. To do this, the client should register in the system and enter the main page, where all the necessary data will be displayed.
Those who regularly use a credit card should receive messages on their mobile phone. Thus, the borrower will be able to control all operations performed and find out about the remaining debt.
How to pay?
To date, a mandatory payment can be made in several different ways. For example, customers participating in so-called payroll projects can transfer their salary to a credit card. You can also transfer money from one account to another.
It is permissible to make a mandatory payment through a terminal or cash desk located in the nearest bank branch. When using these methods, please note that some of them are not free. Sometimes, in addition to the main amount, you need to make an additional commission.
If the required amount is available (for example, on a salary card), the obligatory loan payment (by prior agreement) is automatically credited to the credit card.
A few words about meeting deadlines and additional bonuses
Most domestic banks accept a monthly payment almost on the last day of the month. But this is far from always permitted. There are institutions that regulate clearly defined deadlines. If during this period the client does not have time to make a mandatory payment, then he will be charged fines. The exact conditions must be spelled out in the loan agreement drawn up at the time of issuing the card. A systematic delay may affect your story. And in the future you may encounter certain difficulties in obtaining a loan.
Also, for some types of credit cards discounts, bonuses and all kinds of premium services are provided.