Nowadays, credit cards are increasingly integrated into the modern world. Now they can be used almost everywhere - they can be paid at the grocery supermarket, online store or pay for utilities. Almost all modern retail outlets now offer conditions for the convenience of paying by credit card. This article will discuss how to get a Sberbank credit card and what you need to present to the borrower.
Every second working person has a similar payment instrument today. In addition, pensioners are becoming active users of credit cards. This is a great way to "get over" to a salary or retirement. In some cases, you can use the borrowed funds of the bank even without interest.
How is a credit card different from a debit card?
Often, the name bank card refers to both a credit and a debit payment instrument. Many even confuse them. In fact, there is a significant difference between them.
The debit card is intended for more convenient use of money - receipt and withdrawal of salaries, purchases in the store, storage of funds in electronic form.
A credit card issued once allows you to use borrowed funds of a financial organization throughout the life of a payment instrument. In fact, this is a reusable loan. Having issued a Sberbank preferential credit card with a grace period, the holder has the opportunity to take a loan without interest. The main condition is a full refund in the period specified by the contract.
Cards are required for different tasks. On the official website of Sberbank, you can take a test that tells you which one is worth choosing.
Why is it profitable to apply for a Sberbank card?
Credit cards from this bank have a lot of advantages compared to similar offers of other companies. The main advantages include the following:
- The grace period is up to 50 days, that is, the money spent can be returned back without paying interest.
- Not all cards provide a paid annual service.
- Convenient mobile and online banking.
- All outlets, including online stores that support the ability to pay for goods and services with a bank card, accept payment tools from Sberbank.
- The average rate is 24% per year.
How can I get it?
A potential borrower needs to contact the nearest Sberbank office and leave a request for a card. It will take some time to issue a registered payment instrument. Usually the card is ready within 10 days. An SMS notification will come to the applicant’s phone.
Many potential borrowers often have the question of how to get an instant credit card from Sberbank. This is a standard payment instrument, which is registered in the name of the client, but does not contain its details on the plastic. If approved, it can be obtained immediately after contacting the bank office.
After signing the contract, the bank employee helps the holder activate the card, explains the terms of use, grace period actions, methods of paying off debts and the possibility of using mobile and online banking. The limit available on the card, the user can use at his discretion - in whole or in part.
On what conditions can it be obtained?
Before receiving a credit card from Sberbank, the future holder will need to provide the following package of documents:
- Passport of a citizen of the Russian Federation, in which must be registered stamp.
- A questionnaire of a special form, which an employee of the department will offer to fill out. It can also be downloaded from the official website and filled out at home.
- In addition, a few more certificates are often required from a potential borrower: from the place of work, about the income received for six months, a copy of the labor.
To obtain bank approval for a credit card, a client must meet the following requirements:
- a person is at least 21 years old;
- positive credit past.
If the reason for the refusal is an unsatisfactory credit history, it can be improved with the help of microloans and their successful repayment.
How to order a credit card online?
You can apply for a bank card without leaving your home. To do this is quite simple:
- Go to the official page of Sberbank.
- Indicate your passport data, place of receipt of the card, mobile phone number and place of work. The client needs to decide on the chosen type of card. Also, the borrower has the right to indicate additional information about himself.
- Choose the most suitable way to get a card on hand. It is possible to obtain a card at the nearest branch.
Maintenance of the bank’s website does not stop, so you can submit an application around the clock. A credit card is issued within a few days.
Many modern customers of this company are interested in the question of how to get a credit card through Sberbank Online. This is a convenient online banking that provides great opportunities for its users. Any registered customer can choose suitable conditions for himself through this service.
This is the best design option for those who do not know how to get a Sberbank credit card for 50,000 rubles and any other limit. Available offers and the amount approved for yourself can be obtained in the “Cards” section by going to the “Order a credit card” tab. Here the user will be able to get acquainted with the types of bank offers, interest rates, maximum limit and grace period. After that, you just have to choose the option that suits you and send an application for the issuance of a payment instrument.
Experts recommend using this registration method for those who are interested in how to get a Sberbank credit card without inquiries. Since the financial institution, having data on the cash flows of the user on open accounts, pre-approves the acceptable limit in advance. This means that when applying for a borrower will not have to provide additional income documents.
Grace period
The grace period is the period of time during which the banking institution allows the borrower to use the money without interest. As a rule, the cards of the company in question have a 50-day grace period. In some cases, this period may be changed.
It is most advantageous to return the borrowed funds to the bank during the grace period, since in this case the borrower does not overpay the extra money.
The terms of use for this period must be specified in the contract.
Types of Sberbank Credit Cards
The company’s official website provides a fairly wide range of available payment instruments. Each of them differs from the rest in design and financial aspects.
- Gold card. Presented from Visa and Master Card payment systems. Annual maintenance is free, the credit limit cannot exceed six hundred thousand. The interest-free period can last up to one and a half months.
- Premium card. Its difference from other offers is the developed bonus system "Thank you". According to it, up to 10% of the payment is returned to the user's card. The amount of finance during the year can be three million rubles. Maintenance will cost almost 5 thousand rubles a year.
- Classic MasterCard. You do not have to pay for using the card. The connected services have built-in free SMS notifications. The percentage per annum is from 23% to 27%.
- Visa “Aeroflot” cards. Three types of such cards are presented: premium, classic and gold. A key feature is the bonus system for earning miles for flights. Subsequently, they can be exchanged for flights by SkyTeam. Between each other, the types differ only in the volume of miles accrual and graphic design.
- Visa Card “Give Life”. 0.3% of the purchase price goes to support funds for children suffering from serious illnesses. According to its characteristics, it does not differ from the classic card, but the client, by purchasing a card, can support sick children and make a donation.
Is it realistic for an unemployed citizen to get a card?
One of the main requirements for a client when applying to the bank is to submit a statement of income and a work record. Thus, the company is convinced of the solvency of the person. However, the unemployed has the opportunity to become the owner of a Sberbank credit card.
You can use the instant card for this. Its most popular option is a debit unnamed card, which is issued within twenty minutes. The holder of such a card has the right to receive a similar credit instant card. To issue such a payment instrument, it is enough to bring a passport with you.
How to get a Sberbank credit card for pensioners?
If an elderly person receives payments to the account in this financial institution, then he has privileges in receiving other company products. Such a person is offered a reduced interest rate on a credit card and a reduced annual service fee. In order to take part in the pension program, you need to present a certificate from the Pension Fund in the office of Sberbank. User age must not exceed 75 years.
What is the best way to pay off debt?
It’s not enough just to find out how to get a Sberbank credit card; it’s important to be able to use it correctly. This will avoid a debt hole and make the use of the payment instrument in question truly beneficial. The company offers two main ways how to pay off debts:
- One-time fee. The card user can pay off all debts to the bank at any time with a one-time payment, for example, after receiving a salary.
- Payment of a certain amount monthly. The holder is required to make timely payments every month. The size is established by the contract.
How to block an old card and get a new one?
Such a problem may occur if the original card is lost or there is a risk of card fraud. To solve it, you should contact the nearest branch of Sberbank with a passport. Bank employees will block the card and order a new one. The procedure can take up to two days.
Conclusion
Competition of financial institutions is growing. Many of them offer more and more advantageous offers for their customers. Therefore, the question of how to get Sberbank credit cards is becoming more and more urgent. This company offers potential customers a wide selection of programs. Special privileges are granted to existing users of banking products of Sberbank. There is a special program for pensioners. Anyone can submit an online application for consideration of his candidacy as a holder. After receiving the payment instrument, the client must understand the rules for using a Sberbank credit card so that its use becomes truly profitable.