Credit cards combine the best qualities of credit and bank cards. On them you can renew the limit, use their grace period and bonus programs.
One of the advantageous services that Sberbank offers is a credit card for 50 days. Terms, reviews, interest rates of customers will pleasantly surprise you. This is one of the right decisions for economical people, because the overpayment will be 0%.
Sberbank credit card for 50 days: conditions
Ways to apply for a credit card:
- On the bank's website (to clarify the details, a call will be received from the manager, and the application will be considered).
- By calling the hotline (a specialist will help you choose conditions convenient for the client, ask for the necessary data and send an application for consideration).
- At the bank branch (a loan specialist will accept the application).
It is possible to get a card on hand on the day the loan is approved. The whole procedure takes a small amount of time and does not require effort.
Conditions for servicing credit cards of Sberbank:
- The limit is determined individually.
- The grace period is 50 days.
- The monthly payment is at least 5% of the total debt.
- It is possible to reissue a card ahead of schedule.
- The report can be received in a timely manner by mail or e-mail.
- The payment systems to which the cards are attached are the most common and suitable for use almost everywhere.
Types of Sberbank credit cards with a grace period
All the best offers its customers Sberbank. A credit card for 50 days has the best conditions for issuing, while the attitude of the employees is excellent, it is convenient to use cards.
Varieties:
- Gold cards.
- Maps of Momentum.
- Classic.
- Youth credit cards.
- Gold and Classic Aeroflot cards.
- Gold and Classic “Give Life” cards.
- MTS cards.
All of them are issued for three years, then automatically reissued. The amount of annual service depends on the status of the purchased card.
Grace period
Grace period means that it is possible to use finances for free within the credit limit. In simple terms, a client who takes a loan from a bank has the right not to pay interest. In order for the overpayment to be 0% and the bank does not accrue interest or interest, you must be able to correctly calculate the grace period.
In fact, it is equal to thirty days of the reporting period and twenty days of the payment period. Money spent by bank transfer must be returned before the end of the payment period. The starting point is the date of activation of the card, and not the beginning of the month, as many believe. As soon as the card is activated, the reporting period begins, which is reserved for credit consumption. The later the money is withdrawn from the card, the less will be the grace period.
Be sure to remember, as soon as the first reporting period ends , the second begins. That is, during the first payment period, the second reporting period is already underway.
Sberbank 50-day credit card: terms, reviews and interest rate
Today the bank has become one of the most popular. A profitable service, for which many prefer to contact Sberbank, is a credit card for 50 days. Terms of use, customer reviews, reduced interest rate - everything is accessible and convenient for borrowers.
It is Sberbank credit cards that many citizens want to acquire, but not everyone knows how to use them better and better. Borrowers who know how to use the grace period are satisfied with Sberbank cards. Only positive and grateful feedback is received from them. They are simply calculated by bank transfer and return the amount spent by a certain date, without losing a penny. The proper use of credit cards makes life easier for many customers. They do not have to borrow from acquaintances or relatives, they simply borrow money from the bank with their credit card. The main thing is to repay the debt in a certain period. The card then serves as a spare wallet.
Be sure to keep in mind that the grace period applies only to cashless transactions on the card. If the money was withdrawn in cash at an ATM, interest begins to run on them at the same second, and a commission for the withdrawn money in the amount of 3% is charged.
The interest is calculated only on the withdrawn amount. To date, the interest rate in Sberbank on cards varies from 25.9% to 33.9%.
Required documents
The most important and mandatory documents are the passport and SNILS. If the limit exceeds 100,000 rubles, then a document confirming the income will be required. If the borrower cannot bring such a document, then he is invited to submit it to the accounting department to fill out a certificate. 2NDFL is not required for customers who receive wages through Sberbank.
The decision will be influenced by the borrower's credit history, additional income, age and place of residence.
If you carefully study all the features of credit cards, you can understand the essence of their convenience. It was then that a grace period of 50 days on a Sberbank card would help in solving the most basic financial problems.