How to get a credit or debit card from Sberbank?

A credit card is a very convenient tool for paying for services and an easy way to get a loan. Let's look at how it is formalized, and how to use it.

How to get a Sberbank card and what are its advantages?

All credit cards of Sberbank are given the opportunity to use a grace period that lasts for 50 days, that is, in this time interval, interest on the money spent is not accrued. Also it is necessary to consider one nuance. If the purchase was made some time after receiving the card, the grace period will decrease. Also, if the money was taken by cashing them through an ATM, then you can not count on such a benefit.

How to issue a credit card for Sberbank?

Get a credit card is the right of any Russian citizen between the ages of 21 to 56 (women) and 51 (men) of the year. An exception is made only if the client has a salary card in the same bank. There must be a registration in the region where the bank is present. And how to get a Sberbank card if you do not have enough work experience? No way. The total work experience should be at least one year in the last five years, with the last work the client must work for at least six months.

How to get a Sberbank card? What documents are needed?

The application for a credit card must be submitted by the client personally, directly at the Sberbank office, and it is better to do this through the local office. You can also order a credit card through the Internet, but you still have to visit the office for registration. An exception can be made for you if you are an employee of an enterprise that participates in the salary project of the Savings Bank. Then the credit card can be issued not at you in "native" branch, and there where your employer is served.

For registration the following package of documents is required:

- passport;

- Reference 2-NDFL for the last six months;

- a copy of the work book, which the employer must certify;

- questionnaire with the indication of personal data.

How long does the card take?

It may take several weeks for the credit card to be issued. The bank will deal with the decision for about three days. Although if you transfer the salary to the Savings Bank card, the decision can be made on the same day. The result will be communicated by the manager over the phone. Then the card will be sent for release, and it will be brought to the department. This procedure lasts about two weeks.

Where and how to get a Sberbank card?

The card is issued in the bank branch where it was registered. The term of manufacturing of this tool for payment is minimal, in a day it will be possible to use the card.

What is required after receipt?

The card must be activated at the ATM. To do this, you need to insert a card, enter the PIN code, which is provided to you in a sealed envelope. It is then used to conduct all operations through the ATM. Also, in some cases, you need to enter the code while paying for purchases in stores.

How is the card replenished?

Replenishment can be made through an ATM, cash register or Internet bank. To replenish the card via the Internet is much more profitable, but this requires a debit card or a special current account from which you can transfer funds.