In the 21st century, an extremely limited number of people does not use the services of banks. Thanks to these organizations, almost any product can be bought on credit. From a certain side, this offers a lot of advantages, due to which the credit card has firmly penetrated into modern life. The "credit card" helps to gain access to a certain number of cash that you undertake to return within a certain period. That in this regard is distinguished by Sberbank - read below.

1

Receipt and activation of the map

At the time of registration, a sealed envelope with documents and a unique PIN is issued to the visitor. After opening it, it must be activated to use the product. The exception is cases if you have already set a password in the bank. When autopsy, follows:

• turn the correctness of filling out all data - writing the name, date of birth;
• check the performance of the PIN code in the nearest ATM (it may be necessary to wait about a day until the card is activated).

If everything is in order with the "credit card", money is easy to remove through Casa Bank, as well as any ATM (remember - during cash withdrawal through the terminal of other companies, an additional commission is written off).

2

Methods for using a credit card

In addition to those described above and all known methods, you can freely make cashless payments, making purchases on the Internet stores. For their processing, usually, you need to enter the card number, its validity, IDU, special protective code from turnover.

Do not provide data to third parties, except for proven sources! It can lead to fraudulent operations on your card, without returning stolen means. Also, using a credit card for money transfers online, it is necessary to take into account the commission Introduced by Sberbank 3% (which, all the same, less than 4%, charged for the use of terminals of other financial companies).

A grace period of 50 days, which can be heard so often in advertising, is distributed only to pay for non-cash goods and services. A similar temporary interval on a card with which cash was removed through an ATM, no - any amount will have to return with interest that begin to totake immediately after making money.

3

What you need to know about the "credit card" of Sberbank?

By ordering a credit card, it is necessary to study the terms of the contract very well (so that, in the future, to avoid unpleasant consequences). It is advisable to do it before shopping. In mind you should have such nuances:

1. Credit limit. It is the amount of money that you can issue a bank for interest. This volume is formed on the basis of credit history. If you regularly return the company debt, the credit limit increases. In the reverse case, the Bank will no longer provide you with lending services. You can find out the exact amount in different ways, for example, send the SMS message to the number "900", with the text "Balance of XXXX", where X is the last numbers in the card identifier. The same is easily viewed in the Sberbank Application for Mobile, Personal Account online or Terminal.
2. Payment for your money. On the credit card you can easily keep your cash, going out for shopping. Such a write-off will not be accompanied by accrual interest - simply make a "shopping" with comfort.
3. Automatic payments. In order not to make the same manipulations constantly and manually, you can enable automatic money transfers for the necessary accounts - for example, to pay utility services, replenish the phone, Internet, cable. All this can be configured independently (terminal, personal account), or under the guidance of a bank employee, in the department or by the hotline.
4. The correct calculation of the grace period. To accurately find out when an interest-minded period ends, it should be borne in mind that the fifty-day loan period begins not from the moment of spending, but from the beginning of the reporting period. The latter is attached to the date of the release of the card, each month is formed and cannot be changed. If the receipt of a "credit card" is not limited to urgency, you can upload time and link it with the beginning or mid-month. As a result, you do not have to memorize a random date. If you have difficulty counting a grace period, be sure to consult a bank employee for clarification. In addition, the payer is sent monthly SMS (either email) with the details and amount of the loan to pay.
5. How to find out the reporting date? There is no secret here: I go to the "Personal Account" on the PC, go to the "Maps" section -\u003e "Information". The same can be done by calling 900 by phone and contacting the operator.
6. Bonus program "Thank you." Sign up in it by sending to the number 900 sms with the words "Thank you (the last 4 digits of the card)". After that, you will receive an access code to be sent to the above address via SMS. As a result, 0.5% of the amount spent will be returned from each card shopping.

4

Map problem solving

If you accidentally lost a "credit card", it was stolen or "ate" an ATM - not trouble, you can always return the map. This will require a minimum of manipulations:

1. If the card is lost or taken without your permission, it is easy to block it. To do this, send a message to 900, with the words "Lock (the last 4 digits of the card)".
2. ATM DRAW, did not give out money, took the map. Sometimes the device can "think" for a period of up to 5 minutes. You do not need to panic - just wait next to his terminal. If attempts were not crowned with success, notify the loss of employees of the nearest Sberbank.
3. A card with a forgotten PIN code can be reassured in the bank's separation - this will require a passport and filling some papers. If you missed PINs and the map is blocked - wait two days and try again. During this period, the lock will be canceled.

Considering the above data, it is possible to summarize - the most advantageous way to use a credit card are purchases via the Internet for which interest is not charged during the period specified when concluding a transaction with Sberbank.