Sberbank credit cards: how to use this opportunity

In recent years, Russia has seen a boom in credit development. Banking organizations that survived the first years of the financial crisis are actively developing, constantly attracting new customers. A special place in this process is occupied by Sberbank credit cards. How to use them and how to properly design them?

To begin with, 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:

• instantaneous
• classic
• premium.

How to use a credit card of Sberbank

To use plastic, you must first visit the bank branch and arrange the corresponding service. The process of applying for a credit card will not take more than one 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 box from the bank manager. He will tell you how to use a credit card. First of all, it is activated and tied to the client’s account. If he has the online banking function activated, then the card is registered in the borrower's account. After that, the client can begin to receive cash at any ATM. Each cardholder has a certain limit set by the bank for funds that he can borrow. It is noteworthy that within 50 days after this, the money can be returned in the same amount in which it was received. That is, the borrower does not pay additional interest for the maintenance of the program. However, after this period a certain percentage is imposed on the money borrowed. Today, the lowest interest rate of 19% (throughout the Russian Federation) is provided by Sberbank credit cards. How to use them, and at the same time not to overpay, can tell an employee of any of the departments of this financial organization.

Credit card options of Sberbank of Russia

1. Instant . Issued in any department with one passport in 15 minutes. According to them, you can get up to 150 thousand rubles. at the lowest percentage - 19% per annum. Client must be over 21 and under 65 years old. Additional bonuses and auction programs to such a card can not be added. From the second year of use, the 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 them, you can find out from the manager or on the site) allow you to receive money immediately after coming of age. To draw up such a card, you will need to provide a full package of documents. Interest rate - from 18.9 to 24%.
3. Premium - Gold and Platinum cards. The interest rate on such varies from 17 to 22% per year. The maximum loan amount is 3 million rubles. and allows you to get the necessary funds anywhere in the world.

A huge number of offers makes it possible at any time to issue your favorite credit cards of Sberbank. How to use this service, the borrower will be told at any nearest bank branch. 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.