Credit cards are becoming an increasingly popular banking product. They are used on a regular basis by a huge number of people, including Sberbank customers. Some want to receive an offer from Sberbank to issue a card, because they assume: in this case, the bank will offer Better conditions. What is really fraught with a personal offer from Sberbank, is it so profitable and who is honored to receive it? It is worth talking about this, and at the same time find out if there is a credit card in your name.
Any citizen of the Russian Federation who meets a number of requirements can apply for a credit card at Sberbank. He must have a stable income, reach the age of 21 and have at least six months of work experience in one place. By applying for a credit card, a citizen initiates bank actions to verify his credit history and financial well-being. If everything is normal, the bank issues a credit card on individual terms.
This is quite a common situation, but it happens in a different way. Suppose you are a long-time client of Sberbank and you suddenly receive a call. You pick up the phone, and the Sberbank manager with a pleasant voice notifies you that a credit card has been issued in your name, and you can pick it up at one of the branches credit institution. Such a surprise! Sometimes they call and say that you are pre-approved for a credit card. In this case, it has not yet been released, but they can do it if you express a desire to purchase such a card.
Some customers are surprised by such attention from Sberbank, and some are even frightened. Indeed, how could a credit card be issued without my desire and consent? Will the bank drive me into debt without my knowledge?
A credit card issued in someone's name cannot be used without personal activation. So if the client does not want to use it, he can simply not take it from the bank, after a while it will be destroyed.
Sberbank regularly makes a special offer of this kind. Only clients who:
If you fall into the above category of clients, but have not yet received your offer, then you should not specifically wait for it. If you need a credit card, you should immediately contact the Sberbank office and you will receive your individual offer. It won't be any different than a special offer you might hear over the phone, so go for it, but remember to use your credit card wisely.
Any loan product is beneficial only if the client has managed to use it competently under certain circumstances. Thoughtless use of a credit card will quickly drive the unfortunate user into debt, so much so that he will not be happy with the momentary benefits received. A credit card should be applied for by those customers who:
The first two items on the list are subjective and require the potential owner of the card to be collected and able to analyze the situation. Here we cannot suggest anything. But everyone can learn how to calculate the grace period.
The grace period is the time during which the client can use money from a credit card for free. When this period ends, interest begins to accrue on the amount of the debt. This means that the client needs to have time to close the debt before the specified period expires. Suppose the interest-free period on the card is 50 days. The beginning of the period is not the day the money is debited from the credit card, but the day it is activated. The closer to the activation day a loan is taken, the more profitable it is, since it is necessary to pay off exactly 50 days after activation.
It seems to be not difficult, but clients often make mistakes in the calculation, as a result of which they pay the debt already with interest. And you just need to mark the day of activation of the credit card in the calendar, and then every 50 days from the moment of such activation. In the future, you should try to use the card at the beginning of each fifty-day period, and then the Sberbank credit card will only bring benefits.
So, we figured out how to find out if there is an individual offer for issuing a credit card to a particular client of Sberbank and how to get it on your own initiative. It turns out that for good clients there are no barriers to obtaining a credit card, but it is important to remember that using such a card imposes additional responsibility on the client. Good luck!
For several years now I have owned a Sberbank card. This card was my salary, the employer charged me money on this card. I have connected the service to this card " Mobile bank This service was free.
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 credit card and not payroll. 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 7th-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 us, 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 situation."
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! :)
Hello, friends!
At the end of 2017, Sberbank of Russia can boast of strengthening its position in the credit card market. He increased his share by 3 points, and now it is 45.6%. Sberbank consistently maintains its leadership. Ranked in 2nd place Tinkoff Bank, on the 3rd - Alfa-Bank. So I couldn't get past myself. major player on the financial market. Meet Sberbank credit card.
Today the bank offers us 5 types of credit cards:
Classic cards are the most widely used. With them we will begin our review. But in no case will we bypass others. I am for alternative choice.
To apply for a credit card, you must be:
If you meet the requirements, then proceed to the next step - filling out an application form (a sample is available on the bank's website). This can be done in 2 ways:
The application form is a document on 6 sheets. You can fill it out yourself or transfer these powers to a bank employee who, according to your words, will do it in in electronic format. Of the documents required only a passport.
After approval of the application, you receive a credit card and start using it. And here's how to do it correctly and effectively, we'll talk further.
Before I begin to analyze the tariffs and conditions for using the card, it is necessary to disassemble 2 concepts that Sberbank operates with:
I was interested in the pre-approved cards. What are they and how can you get them? You can count on special conditions, if:
For example, a few months after I issued a debit card, I was offered a credit card on special terms.
What are these conditions? I will go into more detail on them when considering tariffs. But in general it is:
In the table I will show the rates and conditions for regular and pre-approved Visa and MasterCard cards.
| Rates and conditions | Bulk offer | Pre-approved offer |
| 50 days | 50 days | |
| Credit limit | Up to 300,000 rubles. | Up to 600,000 rubles. |
| Annual maintenance | 750 rub. | Is free |
| Cash replenishment | No commission | No commission (in self-service devices and bank cash desks) |
| Interest rates | 0% (during the grace period) | 0% (during the grace period) |
| Penalty for late repayment | 36 % | 36 % |
| Cash withdrawal | 3% of the amount, but not less than 390 rubles. | |
| Cash withdrawal limits | 50 000 rub. per day at bank ATMs 150 000 rub. per day at the cash desks of Sberbank, ATMs and cash desks of foreign banks |
Attention- nice bonus! For customers who issued a credit card on standard terms in the period from 01/01/2018 to 12/31/2018. in the 1st year of using the card service 0 rub.
You are getting plastic card with a paper envelope containing your individual PIN. It is necessary for identification when making transactions through payment terminals in a distribution network or ATMs.
If you issued a credit card directly at Sberbank and independently generated a PIN code, then there will be no paper envelope.
Check the information on the front of the card. Pay special attention to the spelling of the last name and first name. On the reverse side, in a special field, put your signature with a ballpoint pen.
No special steps are required to activate a credit card. This will happen automatically the day after you receive it.
Sberbank allows 3 ways to deposit money to pay off credit card debt:
For the first two methods, no commission is charged.
A credit card has a set period of time during which you can use the borrowed money without interest. For classic Visa and MasterCard cards, this is 50 days.
How to use the grace period correctly? You must repay the full amount due by the due date shown on the account statement. Only in this case the bank will not charge interest. If you contribute only part of the amount to repay the debt, then pay the interest calculated for you.
The calculation of the grace period is best presented in a visual form:
The grace period does not apply to all transactions. For example, it will not be in the following cases:
For these types of transactions, interest is accrued immediately.
Scheme of using credit funds:
Will you repay the entire amount of the debt in whole or in parts, it's up to you. One thing you must remember very well - the amount should not be less than the minimum mandatory payment. Yes, you will pay interest because you did not pay off the entire debt, but:
So, the mandatory minimum payment is:
If for some reason you missed the mandatory payment, then it will be included in the next period, as well as a penalty for its delay.
Bank for each client individually calculates the limit Money which he can use. This amount is renewed each time after the repayment of the debt in whole or in part. This is the main advantage and difference between a credit card and a consumer loan.
Based on the analysis of your questionnaire and its own sources of information, the bank independently determines the border that you cannot cross. The maximum amount for classic Visa and MasterCard cards is 600,000 rubles. But often it is much less.
How to increase the credit limit? This is done only by the bank according to the combination of factors that characterize you as a reliable payer. Unfortunately, the bank does not consider applications from citizens to increase the limit.
The procedure for closing a credit card is simple. Necessary:
The account is closed 30 days after the card is returned.
Sberbank gives the client the right to set individual limits for certain transactions:
I think this is a very convenient service. If you are not sure that you will be able to control your spending on a credit card, entrust it to the bank. To connect restrictions on operations, you must submit an application.
Except classic cards, Sberbank offers to issue others. Let me take a look at some of them.
Annual maintenance is 3,000 rubles. (for mass offer) and 0 rub. (for pre-approved offer).
The difference between gold cards and classic cards mainly lies in the increased cash withdrawal limit:
Annual maintenance - 4,900 rubles.
Interest rates for using the loan:
An additional requirement for the borrower regarding seniority. It must be at least 1 year old. And at the current place of work - at least 6 months.
Additional privileges:
The card is for travelers because it helps you earn miles in exchange for any purchases. 1 mile = 1 ruble. Upon registration, you will immediately receive 500 welcome miles. Then for every spent 60 rubles. get bonus points(miles). Redeem miles for Aeroflot flights and partner products/services.
The cost of annual maintenance is 900 rubles.
Sberbank has many loyal customers and just as many detractors. I don't belong to one or the other. For myself, I singled out a number of advantages of a credit card that could attract me to the camp of Sberbank supporters. But there are also shortcomings that explain the dissatisfaction of opponents.
So, the advantages:
Flaws:
This is not the whole list of pros and cons, but they already relate in general to the concept of a “credit card”. For example, such a disadvantage as the temptation of uncontrolled use of other people's money. Or the advantage of a card over a regular wallet. I consider it inappropriate to consider them here, because they are typical for all banks.
In my opinion, Sberbank is not currently pursuing an active policy of attracting new customers or increasing the interest of old ones in its banking products. This happens for the simple reason that the bank does not really need them (i.e., new customers).
At this time, smaller players do not get off the TV screens, trying to attract our attention with new proposals. And Sberbank consistently, from year to year, takes its first place in the market. What am I leading to? And besides, it’s probably not worth expecting some super-favorable conditions from him. But the bank attracts many with its stability, state guarantee and name.
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.
Personal offer(PP) is available on almost any existing credit card (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]
Sberbank is a recognized leader in lending individuals. In the arsenal of the organization there are targeted and non-targeted loans, with different terms of issuance, intended for different groups of clients. To date, special offers on Sberbank loans are the simplest and most affordable method of obtaining the missing amount.
Sberbank offers three product lines for individuals: consumer, mortgage and credit cards. Each of them has its own requirements for both the borrower and the documents. In addition, there are differences in the conditions for the provision of funds.
This line includes non-targeted cash loans. To receive money, you do not need to provide documents proving that the funds were used for their intended purpose. The advantages of the programs are:
The terms of consideration of the application depend on the amount, and the questionnaire can be filled out online. The bank will announce a preliminary decision by phone, but to receive funds you need to visit the office with a full package of documents. The consumer program is similar to a mortgage, but does not require a large package of documents. However, real estate collateral is required. The value of the collateral must be commensurate with the amount of the loan. The conclusion about this is made by the evaluation commission of the bank.
Learn more about consumer loans you can on the official website of Sberbank
Loans for military personnel are a separate program. The program is supported by the state, so the rates are minimal. To participate, you must provide supporting documents - a certificate, a military ID. Also, a military ID is provided by all citizens liable for military service. Interest rate for consumer loans is set individually and depends on:
Military personnel, pensioners and payroll clients can count on a rate of 14.9% per annum. The average rate for regular customer groups is 15.9%. A big plus of the consumer line is a small number of failures. Most often, the bank sends a reduced amount and term if it doubts the borrower's ability to repay the loan on time.
Regular customers receive special offers on Sberbank loans. As a rule, the notification is sent in the form of an SMS message, in which the possible amounts and terms are prescribed. Such notifications are received only by clients in whose solvency the bank is 100% sure. If you received an SMS from Sberbank with an offer to take a loan with a password, then the office specialist must provide a code to receive a discount.
Cards are a special type of credit. Loan offers from Sberbank for individuals under such programs are beneficial due to the presence interest free period. Such a service means that, having spent the card limit and returned it within a certain period, you do not need to pay interest. Here are some popular offers:
Almost all cards offer free service, subject to certain conditions. Most often, the card is opened for a deposit, and is issued for each client who has made a deposit. You can pick it up if you wish. Such tools have a minimum limit of 15 thousand, which gradually increases with proper use of the card.
Credit cards allow you to use money without interest only for non-cash payments. When withdrawing funds from Sberbank ATMs, a commission is charged - 3% of the amount. In general, the programs are quite convenient, given that depositors do not pay for using a credit account, and when paying through terminals and paying back the funds in a timely manner, they get an almost interest-free loan.
Instant issuance cards are non-named, which imposes a number of restrictions on their functionality. But you can get such a tool on the day of treatment. Other categories of cards require a two to three week wait. The name and surname of the owner will be located on the front side of the card.
Often customers are concerned about the question: "How to get a personal offer from Sberbank on a credit card?". Personal offers are possible only for regular customers. Also, if a client opens a deposit in Sberbank, the card is issued automatically.
Loans secured by real estate are available to individuals. Mortgage in Sberbank can be issued on:
In addition, there special offer from Sberbank on loans for housing for military personnel. Any military person who has provided the appropriate document can apply for such a loan. The program involves a loan in the amount of 300 thousand rubles, at a rate of 10.9%, for up to 20 years.
A prerequisite for a mortgage is the provision of collateral. Basically, the purchased housing acts as the subject of such a transaction - until the full repayment of the debt, it remains the property of the bank. Also, other property, corresponding in value to the size of the loan, may also be secured. The transaction is formalized by a pledge agreement and sewn into the client's file.
Another requirement for a mortgage may be the provision of a surety. If the borrower is married, then the spouse in any case automatically undertakes to be a guarantor. Usually require no more than 2 persons. The contract means that if the borrower for some reason cannot repay the loan, then the guarantor will do it for him.
Sberbank has been operating on the market for a long time and has a wide customer base. In view of this, the requirements for potential borrowers are quite high:
No negative credit history is required. You can find out the quality of your banking background in the very credit bureau or on specialized sites. If delays on previous loans were allowed no more than 3 times, then you should not worry about history. The total work experience for the entire period of working capacity must be at least 1 year. To obtain small loans (up to 200 thousand rubles), it is enough to have a three-month experience.
Documents required:
When preparing the documentation, it is worth remembering that the 2-NDFL certificate is valid for only 10 days. In addition, this certificate must reflect data for the last 6 months. The form is issued by the accounting department, so it is worth notifying the accountant about the nuances of the terms for the bank.
Since 2017, SNILS has been mandatory for submission. This is a legal requirement, so a document is needed to process any amount. In addition, all pensioners are required to provide a pension certificate. This will allow you to get preferential terms. In addition to the above, specialists can request a number of other forms, for example, a diploma of education, a marriage certificate, etc. You can provide documents without a requirement, this will only increase the chances of approval.
In this way, loan offers for individuals in Sberbank - it is profitable, convenient and urgent. The bank offers a wide range of programs, among which each borrower will be able to choose the right one.
