If you analyze the proposals of domestic banking institutions in terms of card products with a credit limit, it becomes clear that the credit card of the Savings Bank, whose reviews are mostly positive, is the most interesting product. Its main advantages include:
• low interest rate;
• development of the branch network of the bank.
You can ask how the network of branches (branches) and the credit card are connected? Sberbank (reviews of people, and the official website confirm this) has more than 19,000 representative offices in Russia, including 17 regional branches. This means that the owner of the product in question can safely turn to any of them to solve current issues. It is clear that, ideally, it is better to work with the department where the card was obtained. But in an emergency, the client will not wait for the end of the trip, for example.
Domestic banking institutions are very circumspect in the matter of lending to individuals. Sberbank is not an exception. A credit card (reviews can easily be found, for example, in the World Wide Web) are issued to citizens who have reached the age of 21 years. As for the maximum age for the borrower, it should not exceed 52 years at the time of registration. Also, a mandatory condition is the fact of having a continuous labor relationship within 12 months. At the same time, the potential borrower at the last job should work for at least 6 months. If the client completely falls under these conditions, then you can safely go to the nearest office. Not forgetting to take with him a passport and a certificate reflecting the size of his official income for the last six months.
It should also be noted that the credit card of Sberbank reviews collects positive. For example, it can be given to individual entrepreneurs. By the way, not every Russian bank offers such a service.
As far as tariffs are concerned, the mentioned financial institution differs favorably against the general background. For example, holders of "gold" cards (Visa and MasterCard) pay 17.9% -23% per year for using borrowed funds. The lower class - MasterCard Standard and Visa Classic - costs the owner in 19% -24% per annum. If you return the borrowed money during the grace period, then the credit card of Sberbank (reviews of real borrowers, by the way it is confirmed) really makes it possible to use cash almost for free. Pay attention, the second name of the grace period is the grace period.
Finally I would like to say that on request such as "credit card of the Savings Bank reviews" you can find quite negative and overly emotional comments from cardholders. With a more detailed study of the situation in which citizens were able to visit, it becomes clear that in the overwhelming majority of cases, it is not the bank, but the concrete employee, that is to blame. The very notorious human factor. Obviously, one person can not be judged by the work of the whole system. But in life that's how it turns out.