Credit cards of Sberbank: how to use this opportunity

In recent years, Russia has seen a boom in the development of lending. Banking organizations that survived the first years of the financial crisis are actively developing, constantly attracting new customers. A special place in this process is occupied by credit cards of the Savings Bank. How to use them and how to properly arrange them?

First of all, it should be said that despite the huge number of different programs offered by other banks, the Sberbank credit line can provide its customers with the most complete range of credit cards, which includes:

• Instant;
• Classical;
• Premium.

How to use Sberbank credit card

To use plastic, you must first visit the bank branch and arrange the appropriate service. The process of applying for a credit card will not take more than one hour. The client will need to fill out a special application form and after a short interview get an envelope with a card in the window of the bank manager. He also tells you how to use the credit card correctly. First of all, it is activated and tied to the client's account. If he has an online banking function, then the card is registered in the borrower's account. After that, the customer can start receiving cash at any ATM. Each card user has a certain limit of funds set by the bank, which he can borrow. It is noteworthy that within 50 days after that the money can be returned in the same amount in which they were received. That is, the borrower does not pay any additional interest for the maintenance of the program. However, after the expiration of this period, a certain percentage is imposed on the borrowed money. Today, the lowest rate of 19% (in the whole of the Russian Federation) is provided by Sberbank credit cards. How to use them, and at the same time do not overpay, can tell the employee of any of the branches of this financial institution.

Variants of credit cards of the Savings Bank of Russia

1. Instant . Are issued in any branch at presence of one passport for 15 minutes. They can receive up to 150 thousand rubles. At the lowest interest rate of 19% per annum. The client must be over 21 and under 65 years of age. Additional bonuses and auction programs can not be added to such a card. Since the second year of use, the maintenance of such plastic starts to cost 750 rubles per year.
2. Classic - with a limit of up to 600 thousand rubles. Credit cards of the Savings Bank (how to use which, you can find out from the manager or on the site) allow you to receive money immediately after coming of age. To complete such a card, it will be necessary to provide a complete package of documents. The interest rate is from 18.9 to 24%.
3. Premium - Gold and Platinum cards. The interest rate for such varies from 17 to 22% per year. The maximum loan amount is 3 million rubles. And allows you to get the necessary funds anywhere in the world.

A huge number of offers makes it possible at any time to issue your favorite credit cards of Sberbank. How to use this service, the borrower will be told at any nearest branch of the bank. However, it should be remembered that it is better to return the money before the end of the grace period. Then you can not only repay the loan free of charge, but also immediately take new funds for a new grace period.