A credit card is a very convenient tool for paying for services and an easy way to get a loan. Let's look at how it is made out, as well as how to use it.
How to get a Sberbank card and what are its advantages?All credit cards of Sberbank provide the opportunity to use the grace period, which lasts for 50 days, that is, during this period of time, interest on the funds spent is not charged. It is also worth considering one nuance. If the purchase was made some time after receiving the card, then the grace period will decrease. Also, if the money was taken by cashing it through an ATM, then you can not count on such a benefit.
How to apply for a Sberbank credit card?
Any citizen of Russia aged 21 to 56 (women) and 51 (men) is entitled to get a credit card. An exception is made only if the client has a salary card in the same bank. There must be a registration in the region where the bank is present. And how to get a Sberbank card if there is not enough work experience? No way. The total work experience should be at least one year over the past five years, while the client must work at least six months at the last job.
How to get a Sberbank card? What documents are needed?Clients must apply for a credit card in person, directly at the Sberbank branch, and it is better to do this through the branch at the place of residence. You can also order a credit card via the Internet, but you still have to visit the office for registration. An exception may be made for you if you are an employee of an enterprise that participates in the Sberbank salary project . Then a credit card can be issued not at your “native” branch, but where your employer is served.
For registration you need the following package of documents:
- passport;
- certificate of 2-personal income tax for the last six months;
- A copy of the work book, which must be certified by the employer;
- a form indicating personal data.
How long does a card take?
A credit card can be issued for several weeks. The bank will be involved in decision making for approximately three days. Although, if you are paid a salary on a Sberbank card, the decision can be made on the same day. The result will be reported to you by the manager by phone. Then the card will be sent for release, and it will be brought to the department. This procedure lasts about two weeks.
Where and how to get a Sberbank card?
The card is issued at the branch of the bank where it was issued. The term of manufacturing this tool for payment is minimal, in a day you can use the card.
What is required after receipt?The card must be activated at an ATM. To do this, insert the card, enter the PIN code, which is provided to you in a sealed envelope. It is subsequently used to conduct all operations through an ATM. Also, in some cases, a code is required when paying for purchases in stores.
How is the card replenished?
Replenishment can be made through an ATM, cash desk or Internet bank. Replenishing a card via the Internet is much more profitable, but this requires a debit card or a special current account from which you can transfer funds.