When a credit card expires, it must be returned to the bank. But most often people throw it away as unnecessary. If such a trick passes with a debit card , then you can’t do this with a credit card in any case. All this is due to the fact that the procedure for closing a credit card has a number of subtle points that must be observed. Otherwise, you can remain a debtor and spoil your credit reputation. Below we will describe in detail how to close the card of Svyaznoy Bank, and indicate the difficulties that may arise during this procedure.
Step 1. Debt settlement
Some customers of Svyaznoy Bank open a credit card just like that - "what if it comes in handy." But she was not useful, and as a result she lay idle. The client is calm, he thinks: if he did not use it, then there should be no debt. However, not all so simple.
- Debt may appear due to the annual fee for its servicing, which is charged even if the card was not activated.
- When applying for a credit card, you could have connected any paid service, for example, informing via SMS or life insurance. SMS notification fee is charged monthly. As for the insurance premium, it is written off at the beginning, immediately a year in advance.
So, it turns out that even if the card was never used, a debt on it could appear. Therefore, before contacting Svyaznoy Bank (closing a credit card), you must first find out the debt on it. To do this, you can take a statement on the status of loan debt from the bank office. In addition, debt information can be found through the Internet Bank or ATM.
If there is a credit card debt, then you need to pay it off. How can I close the card of Svyaznoy Bank if the balance of funds on it, on the contrary, is positive? In this case, it is necessary to withdraw the extra money, since to close the balance must be zero.
Step 2. Application to close the card
We look further at how to close the card of Svyaznoy Bank. The procedure includes the next step - writing an application to close the account. In addition, you must also write an application to disable additional services, if they have been connected. Do not forget to attach to them the card itself, which the bank employees must destroy in your presence. Do not expect it to expire on the day of treatment. Most banks take about 45 days to complete this procedure, including Svyaznoy Bank. How to close the card in other ways - bank employees can tell.
Step 3. Obtaining Confirmation Certificate
If you have already decided the question of how to close the card of the Svyaznoy Bank, then after the expiration of the 45-day application period, it is recommended that you contact the bank again. This time it’s for a certificate that confirms the fact that your card and credit account are closed, and the bank has no complaints against you. Such a certificate is necessary for insurance. Often there are situations in which, even when the debt is paid off and after the application is submitted, calls may come in with a request to pay off the debts.
You also need to pay attention to the date when the card expires. Expiration does not mean termination of operations on it. Svyaznoy Bank will continue to charge commissions for annual services and related services. Therefore, we recommend that you monitor the validity period of the card, even if you do not use it, and close it in time so that there are no unpleasant surprises.
What other options are there
How to close the card of "Svyaznoy Bank" if you are outside of our country? In this case, the service of temporary suspension of the credit card will help you. To do this, call the Svyaznoy Bank hotline. Your further actions will be advised by consultants. This service will be especially appropriate if the Svyaznoy Bank card is lost or stolen.
How to close a card forever without a personal presence in the bank office? If you are sure that there is no debt, you can use the online banking system. To do this, you need to fill in all the necessary fields in the "Close the account" section, after which the account will be closed forever. An application filed through this system will also be considered within 45 days.