How to use a visa card. Rules for using a Sberbank credit card

So, having calculated all the pros and cons, you have firmly decided to apply for a Sberbank credit card. Where to start and what to look for when choosing a card? What are the rules for using Sberbank credit cards? What purchases can be paid for with a credit card and can I withdraw cash? How to calculate the grace period of a loan and how can you repay a credit card? Find out the answers to these and other questions right now.

- this is the period of time during which you can use the funds on your credit card without paying interest to the bank. In accordance with the rules for using Sberbank credit cards, it is equal to 50 days.

To understand the intricacies of applying the preferential lending period, let’s consider specific example. Let's assume that the reporting period begins on January 8th. Add to this date 30 days reporting period, and then again 20 days payment period. The date received - February 27 - is the date of repayment of the debt.

If you used credit funds on the first day of the reporting period, then you are given 50 days to repay this amount. But if the money was written off from the card on January 22, then there are only 35 days left to repay the debt.

This gives you 20 to 50 days to repay the debt without paying interest.

The following credit card payment methods are available:

• depositing cash using a payment terminal or ATM with a cash acceptance function;
• depositing cash through a cash desk at any Sberbank branch;
• non-cash transfer from a Sberbank debit card or third-party banks;
• non-cash transfer from cards of third parties, including third-party banks.

1. You shouldn't use a credit card to pay for everyday purchases. The habit of pulling out a credit card every time you need to buy groceries or pay utility bills can lead to large debts. If you don't like using cash, then it's better to use a debit card.
2. Don't just make the minimum payment on your bill every month. This will increase the time required to pay off the entire debt and, as a result, will lead to an increase in interest on the loan. To pay off your debts faster and cheaper, pay the maximum possible amount each month.
3. Don't forget that when withdrawing cash from a credit card you will have to pay a fee of 3%. It is better to use the card as a means of paying for purchases - in this case, no additional fees will be charged.
4. Do not forget that the grace period for lending does not apply to operations such as cash withdrawals, transfers of funds to your accounts in other banks or third party accounts, payments in casinos and gambling houses. In all of the above cases, interest will be accrued at in full starting from the day of the transaction.
5. Do not tell anyone your credit card PIN, not even bank employees. Do not enter it into forms on websites or forums. Remember that you do not need a PIN code to make purchases online, just the card security code.

A credit card is a convenient solution for getting a loan from a banking organization called Sberbank. Firstly, you will be able to use finances at your own discretion. Secondly, if a consumer loan has a large number of requirements, then receiving money at interest on a card banking product is considered a simplified procedure.

The amount for use is limited only by the established limit. According to the terms of Sberbank, a grace period is provided (usually 50 days). If you can return the funds within the specified period, then you will not have to pay interest on the use of the money. If the grace period expires, then, according to the terms of the contract, the money will need to be returned, including interest.

What is a Sberbank credit card and how to use it

Credit cards are a separate program of Sberbank. There are eight different cards in total with grace period, during which it is allowed to return money without interest for using bank money. The client needs to do right choice according to the conditions he expects. You need to rely on the available funds limit, the established commission on the card, registration requirements and the interest rate.

The first thing you need to do to use credit card The right thing to do is to activate the product you received from the bank. To do this, you need to check the account status at the ATM (the main thing is to enter the PIN code when performing the operation, which was provided by the bank on a special protected sheet).

H3 How to use a credit card with a grace period of 50 days
After activating a credit card with a grace period of 50 days, the client receives access to a whole list of banking operations:

• cash withdrawal;
• payment for goods in stores;
• payment for goods on the Internet.

For example, when withdrawing cash, you need to do the following:

• Insert the card into the ATM with the correct side;
• Enter the correct PIN;
• Go to the withdrawal section;
• Enter the amount you want to receive and confirm the issue.

It is necessary to understand that even in the case of a credit card, where according to the terms there is a grace period of 50 days, a commission will still be charged when withdrawing money (the commission is not charged when paying). The grace period is the time during which you are allowed to return funds to the bank without accrued interest. After the end of the grace period, interest will be withdrawn, which, according to the bank’s terms, is equal to from 25.9% to 33.9% per year).

How to use a Sberbank Visa gold credit card

The gold card is a premium banking product with a large number of available services and offers with special conditions (interest rate - 25.9%). A huge number of special offers require that the client learn how to use them correctly. For example, it must be refilled correctly:

• cashless transfer of funds from a debit card;
• depositing money through a payment terminal;
• transfer from another account through other banks;
• services from Visa;
• at a Sberbank branch (employees will tell you and help you in more detail).

To use your money freely, you need to know how much debt you have. No less relevant information is when the grace period ends, during which the funds should be returned without interest. The report can be obtained quite easily from Sberbank Online. To do this, enter your username and password correctly and go to the page for a specific card, then click Generate a report.

How to return a Sberbank credit card that you have not used

You can return the credit card you received from the bank at any convenient time. It would be correct to initially find out what debt is recorded on it. If you didn't use it, then there shouldn't be any debt. However, please note that according to the terms of Sberbank, a commission may be charged for registration and for using the card (even if it is formal).

If you used this banking product, then it all depends on whether the grace period of 50 days has ended after using the funds. If the time has not run out, then the client must, according to the clause of the contract, simply return the borrowed funds, and if the time has come to an end, then he will have to pay the principal plus accrued interest.

In any case, you must write an application for refusal of banking services for a card product with a grace period of use. After submitting the correct application within 45 days, if there are no debts, the contract will be closed.

How to use a bank card in a store

In the store, after the seller has “scanned” all the goods, give him your card, which will be inserted into the mini-terminal. After reading the information, you will need to enter a PIN code. The funds you use to pay for the receipt in the store will be automatically debited from your account (regardless of whether the grace period has ended or not, no commission will be charged for this transaction). The seller must return your card to you along with the receipt.

Active advertising activities of Russian banks lead to the fact that the word “credit card” is increasingly used in the vocabulary of residents of our country. But at the same time, many people do not know how to use a credit card - how it differs from a regular debit card, what are the conditions for calculating interest and how best to pay for the service. By forgetting about payment due dates, an inept credit card holder can quickly get into debt without knowing about all the pitfalls.

What is a credit card

Before us is not just plastic Bank card, but a convenient tool with which the owner can make purchases of goods and make other payments. The money that was used by the client must then be compensated to the bank - in fact, this is a slightly modified form of credit. Russian banks offer a variety of service options, where the size of credit limits depends on the client’s income.

How to apply

Since such a card is one of the types of banking lending services, in many cases Before signing an agreement, banks conduct underwriting - checking the borrower's solvency. The client’s income, documented by a certificate from work, is taken into account - the indicator for the last three months after taxes is considered.

For Moscow, this salary level should be at least 25,000 rubles, for St. Petersburg and regions of Russia - 15,000 rubles. (from the owners salary cards the limits are lower - 15,000 and 9,000 rubles). Many banks have no income verification offers, but the monthly payments and interest rates for such cardholders will be much higher, which is not convenient for everyone.

Rules for using a credit card

A client who decides to get a credit card gets the opportunity to conveniently manage their finances. If you don't yet know how to use your credit card, here are a few basic rules will help you figure it out:

• With the help of such a card, you can pay for purchases or services, using it for non-cash payments, but at the same time, credit card owners have limited opportunities transfer to other accounts.
• Cash withdrawal from ATMs is possible, but very high interest rates are charged (up to 5% and above), so a competent user will avoid such unnecessary spending.
• Every month the owner receives a statement from the bank, which indicates the amount of the minimum payment and the period within which the debt must be repaid. If only this amount is repaid, then it must be taken into account that a commission will be charged on the amount of debt.
• It is important that the minimum monthly payments are made within the due date to avoid paying late fees.

Credit card activation

For security purposes, the credit card holder is issued a non-activated card(although some financial organizations, for example, Alfa Bank, may offer to use a completely finished product). There are many different options activations that are not difficult:

• by phone;
• using an ATM;
• via a web interface (for example, Sberbank Online);
• directly from the financial institution.

For example, to activate a Sberbank card, you can use the terminal. To do this you need:

1. Find the payment terminal of this bank.
2. Insert plastic card in accordance with the instructions.
3. Enter the PIN code from the envelope and wait for confirmation. Card activated!

How to withdraw cash

Despite all the convenience of plastic as a payment instrument, it is not very suitable for withdrawing cash - banks set very high tariffs for this service (for example, for a card issued by Tinkoff Bank the fee will be 2.9%, but not less than 290 rubles). In general, the operation is simple; to perform it you need:

1. Insert the card into the ATM.
2. Log in using your PIN code.
3. Select the cash withdrawal window and enter the required amount.

Blocking a credit card

The credit card may be blocked if you enter the PIN code incorrectly three times, but a much more common cause of blockage is loss of plastic. In this case, you must immediately inform the bank to avoid the card being used by fraudsters. There are many ways to block and you can:

• call on " hotline"(for example, Sberbank offers its clients a toll-free number 8 800 555 5550) and block the card;
• do it online on the website financial organization;
• if you use mobile banking, you can do this via SMS.

Terms of use of a credit card

In order to avoid unpleasant surprises in the form of accrued interest, you need to know how to use a credit card correctly and not pay too much. For example, failure to repay debt on time will quickly lead to inflated debt, which will be much more difficult to pay off. But strict adherence to the rules and timely replenishment of the balance makes it possible to use your plastic card interest-free.

What is a grace period

The time during which preferential interest-free conditions apply is called the grace period - this is the advantage of credit cards over regular loan. When applying for a credit card, be sure to clarify how the grace period is calculated - for each payment separately, or will it be with a single fixed date. The grace period is about 50 days, but the table clearly shows that this period can be longer:

Credit limit

The maximum amount of funds that banks provide to their customers is called the credit limit. This amount is determined depending on the client’s income, his credit history and age - for example, with a salary of 50,000 rubles, you can qualify for a limit of up to 300,000 rubles. In addition, banks offer to issue plastic according to an accelerated scheme with the presentation of 1-2 documents, but in this case the “ceiling” will rarely be higher than 100,000 rubles.

Percentage for use

A customer who knows how to use a credit card correctly can minimize the payment, but it cannot be completely avoided. The point of issuing plastic is to generate income, for example, the conditions for using a Sberbank credit card, in addition to a fixed annual payment of up to 3,000 rubles, imply a rate of 23.9-27.9%. In this case, interest is calculated using the formula Pr = Zd x (PS/365 x Dn/100), where:

• Pr – interest for using the loan;
• Zd – debt incurred at the end of the reporting period;
• PS – interest rate;
• Days – total number of days of debt.

For example, a client is going to repay a debt of 10,000 rubles on a credit card with 27.9% interest, and he is a week overdue. Substituting the data into the formula, it turns out: Pr = 10,000 rubles. x (27.9%/365 x 7 days/100) = 53.5 rub. It should be borne in mind that late payments may lead to the accrual of penalties and fines, which is very disadvantageous for the card holder.

How to pay with a credit card

Modern technologies provide the owner of the plastic card with many convenient opportunities to pay with a credit card. The most common and popular are purchases in stores. In order to buy the product you like, you need:

1. Make sure the store accepts your type of credit card (usually Mastercard or Visa).
2. Insert the card into the POS terminal and enter the PIN code. If you have a contactless card, you only need to bring it to such a device.
3. Save the receipt - it can be useful in controversial situations to cancel the operation.

If you want to learn how to use a credit card for online purchases, the sequence of steps will be as follows:

1. Having selected the required product and placed it in the cart, go to the “Payment for purchases” section.
2. Having selected the required type of card, enter its number, first and last name of the owner, expiration date and three-digit code on the reverse side.
3. Confirm your actions using the SMS password.

Cashless payments by credit card

Convenience cashless payment with minimal monthly payments, this type of plastic quickly made this type of plastic popular among those who know how to use a credit card. Today, most shops, cafes, restaurants and sports centers are equipped with terminals for accepting payments, creating convenient service conditions for credit card holders.

Advantages

Their positive sides plastic shows only for non-cash payments, helping to solve problems in the event of a temporary lack of money. The interest on the card directly depends on how carefully the bank checked the client’s solvency. With an average interest rate of 23-25%, they are a good alternative to payday microloans if you know for sure that you can return the money you borrowed to the bank.

What can you pay with a credit card?

The widespread use of plastic forces government organizations, trade and service enterprises to keep up with the times, offering convenient payment services. With a credit card, you can pay for:

• television, internet and cellular communication;
• communal payments;
• taxes;
• fines;
• education.

Where can I pay?

The use of an ATM (terminal) and online banking further expand the capabilities of those who know how to use plastic, allowing them to pay state fees and purchase air tickets. Separately, it should be said about online stores, where in addition to a wide range of products, they also offer affordable prices, making using the card even more attractive.

Bonus programs

In order to promote this type of plastic on the market, Russian banks are trying to offer users interesting bonus programs designed to earn points depending on the expenses made. The accumulated points can be spent on purchases or returned in the form of services and discounts. Some interesting offers from different categories are shown in the table:

How to properly pay off a credit card

In order to properly repay card debt, you need to focus on several important indicators - in addition to the grace period and interest rate, this is also the size of the minimum payment. It is also important to have a good understanding of the possible consequences of late payments (fines and penalties) and additional fees if the credit limit is exceeded.

For example, the “Standard” tariff of Raiffeisenbank, in addition to the credit limit of up to 210,000 rubles and the annual rate of 24%, provides the following commissions:

• for cash withdrawal – 3% (minimum 325 rubles);
• for late payments – 600 rubles;
• for suspension of operations - 300 rubles.

One-time payment before the grace period expires

If you pay off your debt in full before the end of the payment period, you will not pay interest on the use of borrowed funds from the bank. Please note that the preferential service does not include withdrawing money from an ATM - you will still be charged a commission for this operation, so try not to use this service to avoid extra costs.

Minimum payments stipulated by the bank

Every month, the credit card user receives a statement indicating the amount of the minimum monthly payment. As a rule, this is 10% of the debt and accrued interest - this amount must be paid into deadlines. It is very important to understand that if you only pay the minimum payment, you will still have a debt that will accrue interest.

Pros and cons of using credit cards

There can be a lot of options for how to use a credit card, and this can be considered a serious advantage. The advantages include:

• A grace period allowing free use of borrowed funds.
• Convenient form payment for goods and services.
• Ease of use and greater security.

• Widespread use of payment services.

But you should not lose sight of the fact that along with the advantages, this loan product also has disadvantages:

• Difficulty in controlling expenses for beginners.
• A large number of paid additional services (for example, issuing a Tinkoff card to replace a lost one will cost 290 rubles).
• Interest rates here it is 5-10% higher than with conventional loans.

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