Rules of using a credit card of the Savings Bank of Russia

The current or future credit holderSberbank's cards need to know what moments when using and receiving it should pay special attention. When applying to the information support service of the bank or to the bank branch, it is difficult to get an answer different from the recommendation to carefully read the rules of using the credit card of the Savings Bank. User feedback allows us to understand that these rules are not as transparent as we would like. But with which pitfalls do you have to face the usual card holder?

Grace Period: Myth or Reality

Point 2 of the information - terms, rules of usecredit card of Sberbank of Russia. The grace period is the period during which interest is levied on preferential terms. Perhaps, this is the most tempting thing that is in "plastic". After all, this is the middle dream of a Russian man - a freebie. In fact, free cheese is only in a mousetrap, and the means, even after fifty days, but still have to return. Otherwise, interest for the entire period from the very moment of the purchase will be charged in one day. In addition, do not be too flattered about the term, because the maximum period for concessional lending to a bank customer is only one day a month.

So, once again: what you need to remember in order to use the bank's funds for free? Rule one - never withdraw money from the card. This is confirmed by customer feedback. For such operations, the grace period is not extended. The next important point is the timeframe for making funds. It is extremely important to pay attention to this point too, tk. untimely paid amount is equaled by the bank to the completely absent. The term of payment always starts from the date of reference and is twenty days. That is, the customer of the bank whose card account was opened on the first day will always pay the twentieth. If the card was received after the tenth day, the date will always be different, depending on how many days in the current month.

Cash withdrawal

Terms of use of Sberbank credit cardtwice mention cash withdrawals. First, in the section of terms, where it is indicated that the grace period for such operations does not extend, and the next day after the withdrawal of cash, the interest will begin to be charged on their amount. It is calculated on the basis of: the annual interest rate divided by 365 days a year and multiplied by the withdrawal amount, including a one-time commission for cash withdrawal.

The second time - in the paragraph describing thatis a commission for withdrawing cash, and how much it is. In fact, it's just a fee for the fact that the bank agreed to cash out the funds from the credit card. If you use the issuing bank to self-service devices, it will be 3% of the amount, but not less than 390 rubles. That is, if the customer wants to withdraw the last hundred rubles that remain on the card, he can not do it, because on his account there is not enough money to pay the commission for the operation.

Oddly enough, the receipt of funds through a bank employee with the presentation of a passport is also impossible. However, like translation from this card to some other.

Payment card system and operations in foreign currency

There is still a small nuance that is worth consideringbefore receiving a card, or rather, before the application for its release. This issue will be important for those who plan to carry out operations on the card in foreign currency. For this, contrary to popular belief, there is no need to go abroad, many purchases are made on the Internet. And here it is very important to correctly choose the payment system of the card.

This information can not be found and with all the desire, evenif from beginning to end read the rules of using a credit card of Sberbank. "MasterCard" is an international payment system that operates in two hundred and ten countries of the world. "Visa" - also a payment system, but American. The main currency of the "Visa" system is the dollar, and "Mastercard" - the euro. Having a ruble credit card of Sberbank and paying off on it in a currency other than the account currency and payment system, the client loses funds on triple excessive conversion - first in dollars or euros, and only then into rubles. Therefore, in Europe it is more profitable to pay with a card "MasterCard", and in the USA - "Visa".

Credit Limit Size

In this sense, the rules differ somewhatusing the credit card of Sberbank "Credit Momentum". At first glance, the card has some advantages, and there are absolutely no disadvantages: it can be received on the day of treatment and, without losing time, to start using immediately after setting the credit limit. In addition, the card does not include your data, which means that even if lost, third parties can not try to use the means available on it on the Internet.

But do not forget about the constraints associatedwith this card. The first of these is the maximum amount of the credit limit established by the card. If the usual credit card it can be up to 600 thousand rubles, then on the cards "Credit Momentum" - only up to 120,000 rubles.

Features of operations

The next moment is connected with the featuresconducting operations on cards of this type. So, for many it can become an unpleasant surprise that the operation of issuing cash in external banks using "loan momentum" cards is not performed. This means that the use of these cards for withdrawals or cash deposits is not available in the territory of the Republic of Crimea, where Sberbank branches have not yet been built and no ATMs have been delivered.

If the client often has to perform operationsin the Internet, he will be interested to learn about another limitation in the use of "Momentum" cards. Operations to pay for goods and services via the Internet are carried out in 3D Secure mode, which means that for each transaction it is necessary to use a one-time password that is sent to the phone number connected to the mobile bank.

Securing funds with 3D Secure

This is an attempt by the bank to further verify thatpayment is made by the card holder. 3D Secure is not an absolute protection of money on the card in transactions without using a card, for example, a one-time code can be intercepted by computer viruses. However, the system reduces the risk of financial loss to the client, even if the active card or data indicated on its front and back sides just fell into the hands of a third party. The disadvantage is this or dignity - everyone can decide for themselves, but it is important to remember that not every site is ready to provide such a degree of protection. This means that not all purchases on the Internet will be available.

These features apply to debit cards too,but in order to fully understand how to properly use the product in question, it is best to mentally include this information in the rules of using the credit card of the Savings Bank.

Fee for annual maintenance

Even if the client carefully read the rulesusing the credit card of Sberbank, the "Gold Card Master" in his tight purse proudly gleams with gold every time he looks at her and does not foretell troubles, there is the possibility of an unpleasant surprise. Because feedback reports: more and more you can face the situation when one day on the account of the card suddenly becomes three thousand rubles less. Of course, in the first place thoughts come to mind about the worst - about scammers and robbery. We have to block the card and start collecting documents for contacting the police. But then it turns out that the bank just kept the commission for servicing the bank card. On the question of where such a commission comes from, the answer will remain the same: it was necessary to carefully read the rules of using the credit card of the Savings Bank.

Indeed, when there is a need urgentlymake a purchase, and the account is not enough money, the credit card seems a good option. At such times, one rarely has to think about what kind of commission the bank will hold for its services. The amount of the annual maintenance fee differs for cards of different classes. So, for example, the accounts of instant cards and those cards of the "Gold" class that are issued on the pre-approved offer will be maintained by the bank absolutely free of charge. A standard card, usually gray, Master Card Standart or Visa Cassic will cost 750 rubles in the first year of use, and 450 rubles per each in the subsequent year.

Terms of use of Sberbank credit card: psychological aspect

The analysis of the main aspects anddifficulties that arise in a person when studying the document "Rules of using a credit card of the Savings Bank." The bank offers to leave comments and offers on the official website in the feedback column.

The last thing I would like to note ispsychological aspect of using credit cards. He was well described in a caricature sketch where a character pays interest on his cards, like a tithe to a church or a tax. And, in essence, it is not entirely clear what exactly he pays for. After all, the sofa he bought with a map, broke down for a long time and is vegetating in a dump. And the total amount of the debt on the credit card is the same, because you do not want to pay five thousand a month to completely close the credit line, when a kind bank favorably allows you to pay only one and a half. And someday later you will be able to close the map, now you need to understand the vital issues.