Sberbank: How to close a credit card correctly?

Sberbank is known to everyone as an institution that has the opportunity to offer its clients a wide range of services - from payment to providing financial assistance for various needs. In addition, you can issue various cards, both debit and credit. It's easy to open them, just contact Sberbank for this . How do I close a credit card and a regular debit card ? And is it possible to do this without problems?

Options

You can draw up the closing of cards in several ways:

• Block the card;
• Close completely the settlement account tied to it.

More often than not, customers opt for the second method to avoid further problems with the bank.

Let's find out what Sberbank offers. How do I close a credit card and debit card? So, the bank's client can choose one of the following ways of closing:

1. Visit the office of the organization for this purpose.
2. Call the hotline phone (in this case, the closing occurs without blocking the account).
3. To resort to the help of the Internet service "Sberbank Online".

Each of these methods is convenient in its own way, but each has its own nuances.

To close the cards through the office, you need to visit any convenient branch of the bank. Present an identity document and write a statement to close the account. Further, after 45 days, you can contact the same office to confirm the closure of the card and account. If there is a question about how to properly close a credit card of the Savings Bank or a normal debit card, it is better to contact the bank office.

Other two ways: a call to the hotline and Internet banking will help to close only the card itself, but not at all. And if for debit cards this may not play a role, then for credit cards, closing only a card can be fraught with problems. For example, if the account is not closed, and the SMS-notification service is tied to the card, the organization will continue to withdraw funds for the provision of this service. As a result, an undesirable debt can arise.

We close the credit card

So, to close the card, you need to contact Sberbank. How to close a credit card was considered above: you should show your passport and write a statement. It should clearly state that the account tied to the card is closed. And besides, if there was a SMS alert service, then you need to write a statement to turn it off.

Further, if the credit card has its own funds, you should specify in what way the bank should return this money: in cash, through cash or at any settlement account. At the same time, the financial institution must request a certificate or a supporting document that proves that the bank has made the payment.

Also, the client of Sberbank, who closes the card and account, is better to ask the bank for a certificate of the operation that has been performed, so that later on, neither the client of the bank, nor the financial institution itself had any more questions.

Early closure

And how to close the credit card of Sberbank "Momentum", "Visa" or "MasterCard" ahead of schedule? Very simple. For this you need:

• Check whether the debt on the card is repaid or to deposit the missing amount (after making it better to wait a couple of days for the bank to process the transaction);
• Apply to the bank office;
• Write a statement to close the account and turn off all services and notifications;
• Receive statements on the performed operations.

And yet, before closing a credit card, it's better to think, but should it be closed? Maybe leave it for future use, so to speak, just in case, because it's easier to close it than to open it.

Locking

And what if you want to close the card and leave the account? This option is suitable only for debit cards, which are serviced by Sberbank. How to close a credit card in this case? Exclusively through the office and only with the closing of the account.

For a debit card, you can use the following options:

1. Lock the card through the hotline.
2. Block through your account on the bank's website.