How to get a Sberbank credit card? Automatic translate

Sberbank credit card is a popular means of payment with an interest-free period of up to 50 days. The bank’s product can be issued at any branch or ordered on the company’s website.

Features of Sberbank credit cards

Plastic cards with a borrowing limit are more convenient than consumer loans: the client has the opportunity to save on interest if he manages to repay the debt during the grace period.

For Sberbank credit cards, the minimum grace period is 20 days. Clients can use bank funds for a maximum of 50 days. The condition is valid if the cardholder pays by bank transfer.

When withdrawing cash, a commission is charged: 3% of the amount, but not less than 390 rubles. The grace period does not apply to withdrawals of credit funds: interest is accrued on the date of cash disbursement.

How to get a credit card?

Getting a loan on a plastic card is easy: the borrower can use an online application on the Sberbank website and order the product at a branch convenient for him. If the borrower is not satisfied with the online loan application at Sberbank , there is an alternative - a visit to the manager at the company’s office.

You must have your passport and information about your income with you (certificate in form 2-NDFL, account statement, copy of your work record book).

Information on loans : special tariffs apply for salary clients - privileged cards of the Gold line with free servicing. Office visitors who receive their salaries into Sberbank accounts can issue an instant card within 15 minutes: just check with the manager about the availability of a pre-approved offer.

Requirements and features of issuing Sberbank credit cards

You cannot get a loan from Sberbank with a bad credit history : the financial institution issues loans only to verified payers. To become the owner of a credit card, the borrower must:

• Be over 21 years of age;

• Have Russian citizenship;

• Provide proof of official income (required experience - at least 6 months).

Cardholders do not require confirmation as part of the salary contract. For other categories of citizens, standard conditions apply when submitting an application.

The maximum processing time is 2 working days. The limit is calculated based on the borrower’s solvency. The decision is made by the bank unilaterally.