Sberbank card expires - what should I do? Sberbank credit card expires

You do not know what to do if the term of validity of Sberbank's bank card expires? Here you will find the answer.

Almost everyone has their own plastic card: someone gets a salary for it, someone pays, a scholarship or other money transfers. The lack of professionalism of some bank clerks can make it so that a person who has a bank card does not always know how to use it and what to do in different situations.

Especially relevant is the question of what to do if the validity period of the bank card expires. After all, even if the bank told you all the steps that need to be carried out, then in 2-3 years this information, it is quite possible to forget. And just after the expiry of this term, the plastic card expires.

This article will highlight the issue of what to do if the bank card of Sberbank expired. But the information can be applied absolutely to any banks, so the principles of emission and re-issue of plastic cards are the same for all. So no matter where you have an account, the information will be useful to you.

The validity period of the Savings Bank card expires

What to do in this situation? Of course, you need to go to the bank and get a new card.

Very often, bank customers, especially pensioners either do not like to look at the map, or do not know what the figures written on it mean. At the same time, one day, inserting a card into the ATM will begin to be strongly resented if the device simply "eats" it and does not bring it back.

Basically, there are two reasons-mechanical damages or blocking of the card, both manual and automatic (in case of expiration). In order not to get trapped and not to become a hostage to the situation when you urgently need money, and the card has left a "memory" for your ATM and you do not know what to do if the term of Sberbank's credit card expires, read on.

How do I know the validity period of a card?

A plastic card is the key to a bank account. With the help of it you can at any time withdraw or put money on the card account.

On it you can see the number, secret code and, of course, the validity period of the card.

The latter can be seen on the front of the card at the bottom in the center in the format MM / YY. For example, if you write "08/17", it means that the card will be active until August 2017. That is, in September you can no longer perform operations on it, and in August the term of the Sberbank card expires.

What if the card becomes inactive soon?

From time to time you need to look at the map to know when its action will come to an end. Depending on the terms of the contract, the actions can be divided into two situations:

1. With the automatic issuance of a new card.

2. Without automatic release of a plastic card.

In the first case, absolutely do not worry and worry if you have expired Sberbank card. What to do, you tell the financial institution itself by sending an SMS message to a number that is tied to your card.

This happens as follows: the computer program updates the lists of cards every month, which need to be reissued after 1-2 months. Depending on the availability of material resources, the bank forms and sends a request for the emission of new cards instead of those that will soon become worthless.

Wait for SMS notifications

At the moment when specifically to your account a new card was issued, the bank sends SMS to you on the phone with the appropriate notification. Then, after 5-10 days, when the plastic card itself arrived at the branch of the bank that serves you, you are sent a re-message already indicating the place where it can be obtained, and a list of documents that you need to have for you to issue it.

Often such a document is a passport through which a financial institution can easily identify a client.

All this happens in an automatic mode, so you do not need to take any special or additional actions, if you have expired Sberbank card. What you do not need is to call the bank every day and ask if the card has already come or not. This behavior will be superfluous, as from this the delivery time to the office will not decrease, but only reduce the loyalty to you of the employees of the financial institution.

Without automatically releasing a new card

And what if the bank card of Sberbank expires and you have not written in the contract that it will automatically produce a new one? The issue is topical, but it is easy to solve, most importantly, do not panic.

First of all, look at exactly what month, year the card will operate. If the expiration date falls on your travel abroad or around the country, treatment or other days when you can not come for a new card, it makes sense to take care of the re-issue in advance.

After all, when you are in another country or in places far from banking institutions, you do not want to know that the term of Sberbank card expired. What can I do to get a new one on time?

At the time when the activation period is coming to an end, you need to notify the bank of the desire to reissue the card. This can be done in several ways: by calling the contact center, using Internet banking or visiting a branch of the relevant financial institution.

Of course, if the term of Sberbank card expired, what to do, it's up to you. The fastest option is likely to be just a call to the bank's contact center. No number? Do not worry! It is listed on any plastic card on the reverse side. And if you do not have money on your mobile, it does not matter either - the call is absolutely free.

It is important to remember the secret code when talking to the operator

Given that the contact center operator does not see the person who calls him, he must make some kind of customer identification. This is done so that attackers can not access your account or make any transactions with it.

There are several questions in the operator's arsenal. For example: "say your card number," "give the number and series of your passport." And the question that confuses many customers is "what a secret word from your card".

Hear this question, try to remember the key that was called when opening a card account. It is always indicated in the contract. Usually, bank employees recommend that customers do not forget this word, the following options:

• Mother's maiden name;

• The name of the pet;

• Favorite sports team;

• Surname of the first teacher.

After you call this word, the operator will be able to manually order a new card instead of the old one.

But there are times when it does not work to remember what to do? If the bank card of Sberbank expires and you can not name the word-password from it, then use Internet banking or contact the bank branch directly, where it will be enough to show only the passport.

Then you need to get a new card

After you received a sms-notification that the new card is ready and you can get it from the bank branch, immediately go to the specified address.

Upon arrival, you will be asked for a passport that you need to identify. After this, the bank employees will hand you the plastic card and pin-code to it. Just change this code in the ATM - it will be safer for you, because except for you then nobody will know it.

What about credit cards?

The recommendations and instructions described above are suitable for all cards. That is, even if you have expired Sberbank credit card, what to do, you already know.

Of course, in time to change the credit card is important, because you will find yourself without additional financial assistance, which the bank offers you. In addition, if you make money on this card as a payment of the body or interest on the loan, an untimely replacement threatens you with arrears.