How to get Sberbank credit cards without paying anything to the bank?

Every year, credit cards in Russia are becoming more popular and popular, because sometimes it happens that there is not enough money. And then you have the question: " How to get Sberbank credit cards?" In this article, you will learn all the ways to get such a card, as well as how to use it.

How to get Sberbank credit cards?

You are lucky if you receive a pension or salary on the card of the Savings Bank, because for you the procedure of obtaining is simplified. If you have worked or receive a pension for more than 3 months, then you already have a pre-approved limit. You can get instant card immediately or order gold and get it in 3-5 days. The difference between these cards is that on the instant card 19% per annum, and on the gold - 17.9%. Also the gold card is nominal. As for the instant and the gold card in the first year there is no annual maintenance.

In addition, if you once took a loan from Sberbank, then you also need to have a pre-approved limit.

How to get Sberbank credit cards in another case?

You need to work out 6 months at the current place of work, provide a certificate of 2-NDFL or fill out the form of the bank, and attach a copy of the workbook. Next, the inspector will enter the application, within 2 days it will be reviewed by the underwriter and will issue a decision on issuing the card, as well as on the credit limit. If you take a card on general terms, it will be with annual maintenance. If the gold card is 3000 rubles a year, if the classical card is 750 rubles.

If you want to emphasize your status, then you will face the question: "How to get American Express Platinum credit cards?" This card can be purchased only if in the last 6 months the inflow of money into the account of Sberbank amounted to at least 3 million rubles, the total length of service must be at least 1 year for the last 5 years. It takes 6 months to work at the current place of work. But this card will give you many advantages: for you will open Vip-halls of the most famous airports, there will be special prices for tickets, additional benefits in more than 1,000 hotels around the world, big discounts when renting cars from popular companies and many other privileges. Such a card has annual maintenance costing from 10 000 to 17 000 rubles per year, and the interest rate on it will be from 17%.

How to use a credit card?

Credit cards from Sberbank have a grace period, and it is 50 days. During this period, you need to pay off the debt. Within 50 days you can pay for all non-cash purchases, but if you want to withdraw money, you will immediately be charged 3% for cashing, and you will not have a grace period, that is, interest will be immediately accrued. If this is a registered card, then the date of the reporting period is indicated on the pin envelope, if this is a snapshot, then this is the date the card was issued. To the credit card you will have the service "Mobile Bank", which will remind you when and how much you have to pay off. If you do not have time to pay off the debt, the minimum repayment amount is 5% of the amount spent.

So, we answered the question of how to get Sberbank credit cards, and how to use them and do not pay anything. Now go to the bank and order a card, because such a "spare wallet" never hurts!