A pre-approved Sberbank credit card is one of the privileges that regular customers can count on financial institution. Its essence is that citizens who have received an offer can, upon preliminary submission of an application, receive a credit card with an already established limit and other individually selected preferential conditions. This SB approach allows people to reduce the time it takes to receive a loan product, and also singles out clients whom the bank trusts and for whom it is ready to make concessions, going beyond the generally established rules.
The number of citizens to whom a financial institution can send an attractive offer includes the following categories of persons:
Important: if you recently entered one of the categories listed above, this does not mean that tempting offers from Sberbank will immediately “fall on you”. It must take at least 3 months for the Security Council administration to determine the turnover of your funds.
Citizens learn that a credit card is pre-issued from various sources:
If the proposed prospect is to your liking, you need to apply for a loan product. You can do this in two ways:
From user reviews, you can find out that the application written by the client who received a tempting savings bank offer, is not always satisfied. They can refuse without giving a reason or change the originally set conditions, instead of a gold card, offer a classic version.
In addition to what has already been said, a citizen can count on a privilege only if he fully meets the criteria of the bank:
If you intend to apply at one of the Sberbank offices, you will only need a passport and time to visit the branch.
It is much easier to send an application through Sberbank Online. To do this, you only need to click on the bank offer and click on the “Apply” command.
In the described situation, the application is partially formal, since Sberbank has everything necessary information about the client. Upon receipt of a message about a pre-approved card, you can either refuse the offer, or contact the bank and accept it.
The application is a standard form that can be completed at the office or on the website.
Even if everything about you is known in Sberbank, after submitting an application, a due diligence check will be carried out. This is necessary in order to finally decide how much you can give and for how long. Interest rate options are also being considered.
Applications of clients with a pre-approved offer are considered in the period from 2 hours to 2 days.
From the moment you receive a message about the opportunity to become the owner of a credit card, you are given 30 days to make a decision.
Pre-approved credit cards are issued under slightly different conditions from the standard ones:
A personal pre-approved offer from Sberbank is a credit card offer with a pre-approved limit on special preferential terms. The bank can only do it for its current customers. Let us consider in more detail in which cases it can be obtained.
So, you can get an offer from Sberbank if you:
Here it is necessary to clarify that wages must be received for at least several months (from 3 and above), and for debit card there must be a certain turnover (put funds and spend them on card purchases). All this is necessary for the bank to assess the solvency of the client.
A personal offer (PP) is available for almost any credit card existing (except for Youth), and some credit cards (momentum credit) cannot be issued at all without receiving this very PP.
This can be done at any manager at a Sberbank branch (you will have to wait in line), as well as at any ATM or bank terminal when performing any operations: requesting a balance on your debit card, paying for services (for example, utilities), replenishing a card or cellular . If there is an offer, you will see on the ATM screen the credit card limit amount already approved for you. You can print the PO on the check and go to the manager with it to issue the card immediately or at any time convenient for you. If you use an Internet bank (Sberbank Online) and do not yet own a credit card, then you have the opportunity to apply for it and wait for a response from the bank in the form of a PP (the same can be done at an ATM).
First of all, this is a free annual service (for non-co-branded classics, gold, the Gift of Life charity series and momentum credit), significantly reduced interest rates (for all cards except for Youth and Instant cards). For some cards, the penalty for delay changes slightly. It is especially beneficial to get those cards that have a reduced rate and free annual maintenance. Such, for example, a bonus for as long as 3 years can be received according to the classics or gold of any payment system(Visa or MasterCard).
As you can see, sometimes being a Sberbank client is very profitable, but, unfortunately, everything is not always so clear and cloudless in this realm. The presence of a pre-approved PP is, it turns out, not yet a 100% guarantee that you will receive a credit card with a pre-approved limit. The bank may ask you for documents confirming your solvency, or even refuse altogether - you must also be mentally prepared for this. Often there are reviews that suggest issuing a gold credit card within the framework of the PP, and in the department we are talking only about the classics (the product is being imposed in a not entirely correct way, is it possible to fulfill the plan?).
There is one more nuance. If everything is more or less clear with the design of instant credit cards and classics, then there is absolutely no clarity with the rest of the products of the card line. For example, how can you get co-branded cards (MTS or Aeroflot) or a premium platinum card from American Express on preferential terms for your own (such an opportunity is provided) if this is not mentioned anywhere on the official website at all? The reviews say that you can agree on receiving such a product with the manager after the bank has made its offer to you. And one more nuance - you can only get one credit card at Sberbank, so choose the one you like in advance (you can read the reviews on our website).
[Total: 260 Average: 2.8]
For several years now I have owned a Sberbank card. This card was my salary, the employer charged me money on this card. I had the "Mobile bank, economical package" service connected to this card. This service was free. I did not receive an SMS about the accrual / debiting of money, but there were other advantages that were quite enough for me.
And then the day came when they called me on the phone and offered to issue a Sberbank credit card for me for free. I refused. But the woman on the phone was very persistent and swore and swore that it would not cost me anything. Service is free throughout the entire period of validity of the card, in general, everything is free. And it would cost me nothing to buy it, and it will have pluses. Ok, got it. Since nothing is required of me, and you are pleased, bring your credit card.
The woman came to my work, I signed all the documents that she asked me to sign. In the meantime, she suggested that I write an application for the "Mobile Bank, Complete Package" service for a credit card, which will also be free for me. As she said, the credit card will be linked to my payroll and I will be able to receive SMS messages about charges / charges on my both cards. Well, just wonderful! And for free! Fiction! :)
So I got a credit card. So far I have never used it.
I often go to Sberbank-online to transfer money from my salary card or pay for something via the Internet. Everything was always clear, clear and just wonderful. But one day, when I went to Sberbank-online, I saw 60 rubles written off for some mobile services in the last transactions made on a salary card.
I freaked out.
I decided to check on an extended statement, for example, for the last three months, what is 60 rubles, and how often do I suddenly transfer this money to someone. There were no such operations in the extended statement. Those. did I pay or not? Judging by the last operation - yes, judging by the extended statement - no.
To clarify the situation, I went to the nearest branch of Sberbank.
It turned out that indeed, from my salary card, they have been withdrawing money for the service "Mobile bank, complete package" for 3 months now.
For what? After all, I wrote an application only to connect this service to a credit card, and not to a salary card. And they promised it would be FREE!!
It turned out that the focus is this:
Sberbank connected the package as follows: made a credit card an information card, and salary card- payment. Although I should have done the opposite.
At the same time, the tracks were perfectly swept up.
The only way to understand that you have been pricked is to go to Sberbank-online at the beginning of the month, on the 7-8th and see your latest transactions (usually about five are displayed). If you log in earlier or later, the information may no longer be there, it is simply deleted. And in the extended statement it is not at all!
I have already written two applications to Sberbank of Russia, so that they would sort out the situation and return the debited money back to me. They have already answered me twice and both times the same: "you wrote an application for a service" Mobile bank package full", we connected it to you like this: RFP card - payment, Credit card - information. Thank you for contacting, and we hope that our clarifications will help you understand the current situation."
Thank you, comrade Sberbank, I figured out a long time ago that you connected the service to me incorrectly. Have you figured it out yourself? Will you refund my money for your mistake?
The answer of a friend of Sberbank: "You wrote an application for the Mobile Bank service, a complete package, we connected it to you like this: RFP card - payment, Credit card - information. Thank you for contacting, and we hope that our clarifications will help you understand the current situations."
Be careful, Sberbank of Russia is always nearby!
Continuation:
I refused a credit card. An employee of the bank let it slip that my case was not an isolated one, when a credit card was incorrectly connected to a salary card.
I was surprised by the bank's written responses to my statements. At first, these letters contained incorrect information about my banking history, and then they just wrote carbon-copy letters and didn’t want to understand anything: “you wrote an application for the “Mobile Bank, full package” service, we connected it to you like this: RFP card - payment, Credit card - information. Thank you for appeal, and we hope that our explanations will help you understand the situation."
I don't want to deal either - take your "free" card and "free" services back! :)
Why do some people receive a personal offer on a credit card from Sberbank? Many people miss the message that is displayed on the terminal monitor or in their personal account, while someone, on the contrary, immediately pays attention. Is it worth applying for such a loan, and how does it differ from all other bank shares?
If the bank is ready to offer its client a credit card on special terms, then, most likely, it will be reflected on the monitor of an ATM or self-service terminal when performing any transactions. Such an offer is called pre-approved, since the bank immediately informs how much it is ready to give out and what benefits to provide in each case.
To notify customers, bank employees also use:
Another way to get a personal offer is to contact the lender's branch yourself and ask the manager about the possibility of obtaining a preferential loan.
Notification in personal account. If the client wants to use the proposed option, then there are two ways to get a credit card:
You can also apply for a loan through an ATM if the bank did not take the initiative first.
Sberbank has several different preferential offers for regular customers, in general, their conditions are as follows:
The Bank may make personal offers both to receive loan products, which are generally not available to other customers, and for regular credit cards, but on special conditions.
Important! Notification of the availability of an individual loan option is not yet a 100% guarantee of receiving funds. Sometimes the lender asks for additional documents confirming the solvency of the borrower, and sometimes even refuses.
Any of the clients can get a pre-approved loan. The following candidates are considered first:
For customers, a prerequisite is the turnover on a debit card, that is, it is necessary to pay for purchases with it. And when receiving a salary or pension, funds must be credited to the account for at least 3 months.
Special offers for debit holders Youth card. Sberbank offers certain benefits for each of its credit cards available to any borrower. For holders of a debit Youth card, he provided a credit Youth card, which cannot be obtained by contacting a financial institution for the first time.
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The presence of a special offer on a pre-approved credit card allows you to issue a payment instrument only on a passport without providing documents confirming official income.
The client can be informed about the availability of such a possibility as follows:
The pre-approved card will appear in the list of Sberbank offers if the owner:
If at least one of the specified conditions is met, it is possible to receive an offer, but at the same time, he must be a citizen of the Russian Federation at the age of 25 to 65, have a permanent or temporary registration and a positive credit history.
You can get a credit card for a special offer using the following methods:
The client cannot indicate the required loan amount, since the approved limit is already indicated in the information and, if desired, it can only be reduced.
The following conditions are typical for approved Sberbank credit cards:
With absence special offer You can apply for a Sberbank credit card subject to all the necessary conditions.
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Sberbank often sends special loan offers to its customers. What are their conditions, the procedure for registration and who can count on them, we will consider in the article.
Any current client or who had a relationship with the institution in the past can receive a special offer from Sberbank for a consumer loan today.
More often they send a special offer on bank products to payroll clients. Since Sberbank knows the income of such a citizen and they are sure of the duration of cooperation with him, the bank assigns him a specific amount for a certain period.
If the client has an open loan, he can also be sent an offer, thanks to which he will pay off the existing loan in full and receive an additional amount. Depositors and current account holders are more likely to be sent permits for standard programs, the final amount for which is adjusted after the client submits an application.
You can receive the current special offer from Sberbank in an SMS notification Reviews suggest how to find out about a special offer from Sberbank. Users claim that more often they come via SMS. The notification usually contains the following information:
If Sberbank does not have customer data, then standard limits will be indicated, for example, 1.5 million rubles for 5 years. In this case, it is not advised to focus on the specified rate. It is reviewed according to selected loan criteria and customer characteristics.
Having received a special offer from Sberbank and deciding to use it, the client must follow the instructions.
Despite a kind of invitation to cooperation received personally from Sberbank, approval is still necessary. First of all, the client's wishes in terms of amount are compared with his income. Typically, these programs do not require proof of income. Users even claim that the employer and income data they provided over the phone was not verified.
A positive response is predominantly issued to citizens who have received a personal approved amount, for example, payroll clients. Whereas receiving a special offer from Sberbank with standard conditions does not at all mean mandatory approval. If the client's characteristics do not meet the requirements of the institution, his income is low, or his credit rating is low, he will be rejected fairly quickly. As practice shows, even up to 5 minutes after writing the application.
In this case, the question is quite natural, why does the bank send SMS a large number citizens. Everything is explained simply. Perhaps in the past, the client successfully repaid a loan at Sberbank, but at the moment it has already ruined its lending history. Or he is a depositor, and the bank wants to transfer him to new category borrower clients. Perhaps the citizen previously acted as a client, and the bank wants to return it.
Sberbank's special offer for a credit card is received in a similar manner. The difference is only the amount of the approved limit. But the final answer on it is issued after the application is written. If the proposed type of card is not interesting to the client, he has the right to choose another type. No responses are received. Credit cards are issued to all applicants, but the amount of funds allowed for use may not correspond to the wishes of the client, as it is determined individually according to his characteristics.
A special offer from Sberbank for a credit card does not require additional approval, however, it is worth clarifying the approved limit There are quite interesting and profitable offers for depositing funds. This niche is not so in demand by customers, but you should not refuse to consider it. Often in this way you can get a rather interesting rate, and in addition, additional benefits.
For example, last year when opening a deposit or buying savings certificate the client got the opportunity to receive a free ingot weighing 1 kilogram. Three clients became the lucky ones, and another 3,000 depositors received cash prizes - 3 thousand rubles each. Such special offers from Sberbank on deposits, of course, are not common.
Other incentive options for customers are also often developed by Sberbank. In the spring, there was a promotion for customers paying utility bills through Sberbank Online. When paying more than 3,500 rubles, the client received 500 points to the bonus account, which are allowed to be used for a discount in partner stores and special online resources.
