A credit card of Sberbank PJSC is an attractive bank product with a cash limit of up to 600 thousand rubles and an interest-free period of up to 50 days.
How to get a credit card at Sberbank
A line of 6 plastic cards is provided for customers: instant issuance of Credit Momentum, classic MasterCard Standart / Visa Classic credit cards, Gold privileged ones, an offer for the age segment from 21 to 25 years old - Youth, charity Give Life and bonus Aeroflot.
Sberbank offers its customers to issue a card with a credit limit in 3 ways:
- In the office. Visitors receiving a salary on a Sberbank card need a passport to apply. Preferences will have to wait from 5 minutes to 2 days. Clients on a standard application must provide proof of income. Credit Momentum are issued within 15 minutes - these are credit cards with a limit set by the bank and free service.
- Having submitted an application through Sberbank Online. In the "My Account" tab of the "Cards" tab, click on the offer "Credit Card Application". After filling in the data (the desired type of product, limit, name, address, time for a call), click the "Confirm" button, and the application goes to work. You can pick up the product after 2 weeks in the selected office.
- Direct sales specialist. Preferred "gold" cards with free service and a set limit are issued by managers who oversee enterprises within the framework of a salary agreement.
- With the help of terminals and ATMs. After cash withdrawal or payment, the customer will receive a special offer from the bank, for example, apply for a credit card. Filling all the fields and entering the data, the user has to wait for the manager’s call.
How to increase credit limit on a Sberbank card
The maximum allowable limit on Sberbank credit cards is 600 thousand rubles. Prevention and installation of the amount of borrowed funds on plastic depends on the decision of the underwriter (a specialist in calculating solvency, customer reliability, deciding whether to refuse / grant a loan). The analyst predicts whether it is possible to increase the credit card limit of Sberbank to a specific borrower.
In the main bank of the country, issues of changing the loan amount are decided unilaterally by the creditor. An increase in the credit limit is taken based on the solvency of the cardholder, the absence of delays and the frequency of use of the product. The more purchases a credit card user makes at Sberbank PJSC, the higher the chance of receiving additional funds from the bank.
Active users of the product who are not interested in how to increase the credit limit on a Sberbank card receive an SMS with a notification about a change in the loan amount that causes negative emotions.
Features of using a credit card
The grace period of 20 to 50 days and special services for salary projects are attractive to potential customers choosing PJSC Sberbank. A credit card, the terms of use of which differ depending on the type of borrower (salary client or not), allows interest-free "borrow" from the bank within the grace period.
It is easy to calculate: 30 days for active payments + 20 for repayment of a debt. In order not to pay interest on the use of loan funds, the payer must pay 100% of the amount spent, keeping within this segment. The floating period depends on the date of purchase: to maximize the return period (up to 50 days), you should start spending on the date of the report or immediately after it. Every day after the date of the reporting period, the grace period will be reduced by 1 day (but cannot be less than 20).
The date of the report, the amount of the monthly installment, the total debt can be found:
- in UCO (Sberbank Online, terminal network);
- by sending SMS "Debt XXXX" to the number "900" (where XXXX is the 4 last digits of the credit card number);
- visiting the territorial office of Sberbank PJSC.
A credit card (the terms of use of which are also specified in the contract and are explained in detail by managers upon issue or by the Hotline specialists) as a separate product is more profitable than a consumer loan by the presence of an interest-free period, but the loan conditions on it are higher than the average for bank loans.
Interest on Sberbank credit cards
For the mass segment that is not involved in the salary project, 33.9% is charged for the use of loan funds per year. Pensioners of Sberbank and persons receiving income to the bank’s accounts are provided with preferential pre-approved Credit Momentum and Gold cards with 25.9% of the loan.
A reduction in the interest rate, a change in the date of payment or a report on Sberbank credit cards is not provided. In case of untimely making the obligatory payment , the debtor will be charged a penalty of 36%.
How to defer credit card payments?
If it is not possible to make mandatory loan payments as a result of a decrease in solvency, customers can contact the Sberbank Restructuring Department to postpone the date. The possibility of the transaction and the new conditions depend on the decision of the department specialist (annuity payment amount , interest, accrual and / or write-off of penalties and delinquencies), authorized to “expand” the schedule and break down payments (it also decides whether it is possible to restructure the loan and how to increase it). In case of approval, the credit limit on the card of Sberbank will remain the same, but the amount of contributions will decrease.
Credit limit reduction
So, how to increase the credit limit on a Sberbank card? This decision is made unilaterally by the issuer. Users can reduce the loan amount by contacting any territorial office with a passport.
You can change the amount of borrowed funds on the card by an amount not exceeding the total debt of the loan funds.