Most people actively use such a tool for calculations as a credit card. In most cases, getting a new card is very simple, as well as using all its advantages, including borrowed funds from the bank. But in this case, it is important to comply with the terms and conditions of repayment on a Sberbank credit card. As a rule, the debt is paid equally. You just need to replenish the account on time and that's it.

In fact, each credit card may have its own payment features. In most cases, it already depends on the owner himself. After all, the bank can not only individually calculate the limit and rate, but also put forward certain rules regarding the payment of the debt. This happens often, so let's talk about what are the repayment terms for a Sberbank credit card.

What should you know?

First of all, if you are a cardholder with a limit, then you should always be aware of how much debt and monthly you have. This is necessary so that you can plan your budget taking into account payments.

Speaking specifically on the Sberbank card, this amount can be clarified at any ATM. But today, plastic owners are actively using the possibility of remote access to the account. These are - Mobile Bank and Sberbank online. Thanks to these applications, you can quickly find out not only about the total amount of debt, but also the amount of the minimum contribution. You can also check the entire history of transactions that have ever been carried out on the card.

Well, now it’s worth talking about what are the repayment periods for a Sberbank credit card and payment methods.

Deposit money at least one day before the payment date, as the account is replenished not instantly, but within a day.

How to deposit money into an account?

There are two main methods:

• Payment of the spent amount back to the account within 50 days (grace period);
• Making minimum monthly payments. The smallest contribution must be at least 5%.

Undoubtedly, the first method is the most profitable, since then you will not have to forgive the interest. But not everyone manages to fit in this period. Moreover, the rules for obtaining a grace period by withdrawing cash from an ATM are often violated.

Basically, such a procedure does not imply a grace period. But the second option is also not so bad. Moreover, you can pay the amount in small installments, which often does not even affect the budget. But this method is more expensive both in terms of money and time.

The loan term on a Sberbank credit card is not limited by anything. Even if its validity period expires, after receiving a new plastic, payment can be made further.

It is worth saying that the main part of the minimum payment is interest, so the principal amount is repaid slowly, which significantly increases the repayment time. Therefore, it is better to always contribute a little more than is required.

There are no specific restrictions on the maximum amount. It is in your best interest to pay more, since the overpayment in such a situation will be less.

Treat your responsibilities responsibly and carefully

When paying off any loan, it is very important that there are no delays. If you do not make a payment on time, the bank will charge a fine, that is, the interest rate will be increased. At Sberbank, it usually gets higher by about 10%. Agree that this is quite a lot. Moreover, late payment of the bill is fraught with damage to the credit history. This may subsequently cause you to be denied a loan in any other institution.

By the way, it is possible that if the conditions are violated, a loan from Sberbank may become the last one in the next 15 years. Even if you are approved for a loan elsewhere, you can not hope that the conditions for it will be favorable. To prevent such an outcome of events, pay on time. And in order not to forget about it, including a notification about SMS, and then a few days before the payment date you will receive a "reminder".

How to repay debt correctly?

This banking institution offers a choice of several methods of loan repayment. This is necessary so that each user has the opportunity to choose the most convenient option for themselves. So what are the ways?

Sberbank Online. If you have any debit card, you can easily pay with it. At the same time, you yourself do not need to run anywhere and be distracted from business. If you do not have it connected, then read how to do it. To carry out the operation, log in to your personal account and visit the payments and transfers section, and then transfer funds between your accounts.

Mobile bank. This application allows you to pay from your mobile phone. The scheme is the same as in the computer version, but first you need to install the program on your phone.

If the card is linked to the phone, then paying your loan is even easier. Type a message with the text "Credit account number payment amount" and send it to number 900. In a few seconds, money will be debited from the debit card and transferred to the credit card account.

Cash payment. This is the most popular payment method. In fact, it often takes a lot of time. You can deposit money using an ATM, terminal or cashier.

From here it becomes clear that if you have a Sberbank credit card, then the conditions for its payment are quite simple. The main thing here is to pay on time.

Sberbank is the largest financial institution in Russia and one of the largest backbone companies. In terms of market positions, the volume of capital and assets, and the efficiency of work, it is several times superior to its competitors. Among the advantageous offers for customers, a special place is occupied by a product from a bank in the format of a credit card. It gives you the opportunity to use a large limit of borrowed money on favorable terms.

Advantages of credit cards from Sberbank

Using a credit card from Sberbank gives the client of a financial institution many convenient options: payment for services, secure online purchases, online financial transactions, cash withdrawals from an ATM. If necessary, you can set a limit on the use of the card limit or set a monthly limit on various transactions. Free and effective services are also available, for example, “Special Treatment” (formation of a list of countries in which card transactions are allowed), and a debit card makes it possible to issue an Additional Card linked to a parent’s account for a child from 7 years old.

The organization offers to use credit cards:

• Visa and MasterСard Gold (limit - 600 thousand rubles at 25.9%);
• Visa Gold and Classic "Give Life", "Give Life" Visa Classic, classic cards Visa Classic / MasterCard Standard, Aeroflot Visa Gold (up to 600 thousand at 25.9-33.9%);
• Visa Classic / MasterCard Standard "Momentum" instant issuance (120 thousand at 25.9%);
• youth cards Visa Classic / MasterCard Standard (up to 200 thousand at 33.9%);

Each of the credit cards has an individual cost of service and design features (requires proof of income or only a passport of a citizen of the Russian Federation), the client has the opportunity to choose the most suitable option for himself. Using a credit card is convenient and easy, and if you comply with the terms of the contract and return the borrowed funds on time, it is also profitable. Among the main advantages of using a credit card from Sberbank should be noted:

1. Quite a large loan limit - up to 600 thousand rubles.
2. Availability of money.
3. A wide network of bank branches and terminals.
4. Security of using a credit product (protection of purchases on the Internet with 3D-Secure technology, SMS notifications about money transactions, a chip for protecting transactions related to the card).
5. Interest-free credit for purchases for up to 50 days.
6. The opportunity to get a discount of up to 20% in stores from Visa, MasterCard.
7. Bonuses Thank you from a financial institution.
8. A single commission for cash withdrawals at Sberbank branches in other countries.
9. Powerful and efficient online service "Sberbank Online".

Cashing out credit funds of Sberbank is subject to a commission - 3%, but not less than 390 rubles. (in branches of the bank, subsidiary financial institutions), 4% if you withdraw from another bank. But it will cost 2.9% + 290 rubles. (using AURACARD, you can withdraw cash in the amount of up to 100 thousand rubles free of charge).

Loan repayment terms

You can pay off a debt on a Sberbank credit card at any convenient time in several ways (online, at a bank branch, through a terminal or ATM). In case of delay, it is allowed to deposit money in any amount, but not less than the amount of the mandatory payment.

Advice: you can clarify information about the transactions performed, the amount of debt, the date of the mandatory payment at any time of the day, using the bank's report service to e-mail or regular mail, an SMS notification to the client ("Mobile Bank"), when calling the Sberbank Contact Center number or using service "Sberbank Online".

Before using a credit card, a bank client should clearly understand what a mandatory payment and a grace period are. This will make the use of the loan product profitable and simplify the debt repayment procedure.

After making the first purchase or payment, the client starts a grace period for crediting, which lasts up to 50 days. In order not to accrue interest for the use of borrowed funds, the spent amount must be paid before the payment date in the card account report. But this only applies to payment transactions, and if you withdraw cash, the grace period will end. According to the terms of the bank, the system for using a credit card operates in such a way that the grace period is divided into several stages:

• period for purchases (beginning of the 30-day reporting period);
• debt repayment time - 20 days (this is the end of the reporting period, it includes 3 payment dates, before the expiration of which the client must repay the debt or make a mandatory payment with subsequent interest accrual. By the way, if you pay the amount partially, interest will be charged only on the amount of the actual debt ).

Then you will have to repay at least the amount of the monthly mandatory payment, which depends on the amount of the debt (it is 5%, but not less than 150 rubles), and interest for the delay. In case of untimely or incomplete repayment of borrowed funds, you will have to additionally repay the amount of exceeding the credit limit, accrued interest for the use of bank money (in case of delay or cash withdrawal), penalty if the mandatory payment is not made on time.

If necessary, the client can issue, but in the case of using a credit card for late payment of interest or the minimum payment, interest will be charged in any case. And if you return the spent credit funds on time (this does not apply to cash withdrawals) before the payment date indicated in the report, then you can use the card free of charge and without interest. On the part of the client, you only need to pay for the service of the credit card.

There are several ways to pay off your credit card debt.

1. Cashless:

• transfer from a Sberbank debit card (this can be done via a cellular phone using the Mobile Bank service - send an SMS to number 900 with the text: “Transfer - 5 last digits of a debit card - 5 last digits of a credit card - transfer amount without kopecks");
• using the Sberbank Online service;
• through a terminal, an ATM of a financial institution (money must be credited no later than the next business day);
• by making a wire transfer through another bank or at a branch of Sberbank (in the purpose of the payment, the owner’s card and account number, first name, patronymic, last name, details of the Sberbank branch must be indicated), but before that, it is important to clarify the cost of the service, the terms for crediting funds;
• using the MasterCard MoneySend, Visa Payments and Transfers services through a terminal, ATM.

1. Cash payment:

• at a branch of Sberbank (by card or account number);
• through the terminal, ATM with the function of receiving money.

Advice: if the amount of the mandatory payment is not made on time, it will be added to the total amount of the debt in the next month and additionally obliged to pay a penalty for the entire period of delay in payment.

You can see information regarding your expenses, dates of debt repayment without paying interest at any time of the day using the Sberbank Online service or using a special calculator on the website of a financial institution (it is considered only an indicative tool for personal calculation of the length of the grace period, accurate data can only be seen in the Map Report).

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A credit card from Sberbank is a convenient and effective financial instrument, with the skillful use of which you can use borrowed funds without paying interest. The procedure for repaying a credit card debt is quite simple, you can do it in cash or non-cash in several formats. The main thing is to adhere to and return the funds spent on time, then you can use the borrowed money for free.

In contact with

The peculiarity of the Sberbank credit card is that it provides the opportunity to use funds for 50 days without interest. The card is beneficial if you need money urgently for a short period, but they are not available.

Conditions for obtaining a credit card

Sberbank issues credit cards to those who:

• He is a citizen of the Russian Federation.
• Has at least 6 months of work experience.
• Reached 21 years old.
• Does not have more than 65 years.
• Has a good credit history.
• He has no debts on loans and delays in payments, both in Sberbank and other banks.
• A loan is granted to a borrower who has worked in one place for at least six months.

What documents are required to obtain a credit card

In order for Sberbank to issue a credit card, you need:

1. Provide a passport of a citizen of the Russian Federation with the indicated registration at the place of residence.
2. Present an individual registration code (you can take it from the tax office).
3. If the loan limit exceeds 100,000 rubles, a certificate confirming income will be required.
4. A 2-NDFL certificate is required if the borrower does not receive a salary through Sberbank.

Common questions and answers

We will try to answer your most frequent questions regarding the conditions of a credit card at Sberbank.

What is the amount of the credit limit?

The average amount for an individual is from 50,000 to 1,000,000 rubles. Regular customers with a good credit history may increase the limit.

You can check your credit card limit:

How are interest rates calculated?

Interest rates are charged only on the amount withdrawn and depend on the conditions of signing the contract. For ruble loans are within from 26% to 34% per annum.

How is the grace period calculated in Sberbank?

The grace period consists of 30 days of the reporting period (during which you make purchases with a credit card) and 20 days of the billing period. That is, if the reporting period began on June 7, and you made a purchase on the same day, then you have 50 days to pay off the debt and not pay interest - until July 26. But if you made a purchase on July 26, then you have only 25 days left to pay off the full debt at 0% (5 days of the reporting period and 20 days of the payment period).

You can calculate the duration of the grace period using interactive service, which was developed by Sberbank.

Purchases with credit cards with a grace period are best planned for the first days of the month (beginning of the interest-free period).

Loan repayment methods

There are several methods that allow you to pay off debt on a Sberbank credit card:

• Cash at the nearest bank or ATM.
• By bank transfer (a small commission is charged).
• Debit card (in your Sberbank Online account).

You can repay the debt in full or in parts.

Advantages of credit cards with a grace period

1. Cards make it possible to use funds without paying for bank services.
2. The borrower does not pay interest on the loan.
3. The cardholder has the opportunity to withdraw money anywhere in the Russian Federation and abroad.
4. It is possible to apply for a credit card online by leaving an application on the official website of Sberbank.

Cons that you may encounter when applying for and using a Sberbank credit card

1. When cashing out, the client pays a commission fee of 3-4% of the withdrawn amount.
2. If the loan limit is more than 100,000, then you will definitely need a certificate of income.
3. The borrower must have a good credit history.
4. Proof of employment required.

Sberbank credit cards and terms of use

• Visa Classic and MasterCard Standard- a card with a wide range of banking services.
  The limit is up to 600,000 rubles.
  Interest rate - from 25.9%.
  Commission for cash withdrawal - 3% (but not less than 390 rubles) in Sberbank.
  The amount allowed for withdrawal per day through an ATM is no more than 50,000 rubles, through a cash desk - no more than 150,000 rubles.
  No money is charged for the service.
• Visa Gold and MasterCard Gold- a premium card with a set of special offers.
  The limit is up to 600.000.
  The minimum rate is 25.9%.
  Maintenance cost - 0 rubles.
  It is allowed to withdraw no more than 100,000 rubles from an ATM per day and take no more than 300,000 rubles in cash at the cash desk.
• Visa Signature and MasterCard World Black Edition– credit card that allows you to return up to 10% of the cost of purchases.
  The limit is up to 3 million rubles.
  Interest rate - 21.9%.
  The cost of maintenance per year is 4,900 rubles.

Repayment of a credit card from Sberbank is possible directly using the systems of the lender itself or using third-party channels. Credit card holders prioritize ATMs or payment terminals of Sberbank. Internet service or mobile banking are also actively used.

If desired and actively use the services of Sberbank, borrowers can make payments by automatically transferring funds from salary cards or deposit accounts.

Dear readers! The article talks about typical ways to solve legal issues, but each case is individual. If you want to know how solve exactly your problem- contact a consultant:

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As for third-party channels, Qiwi, Euroset, Svyaznoy and others are in priority. These third-party channels are actively used in the case of a place of residence remote from Sberbank branches.

Grace period

The conditions for repaying a loan on a Sberbank credit card should be disassembled from the main criterion - the grace period - the time when interest for the use of funds is not charged. The grace period for Sberbank credit cards is no more than 50 days.

At the same time, it should be taken into account that the obligation of the borrower includes the mandatory making of the minimum payment previously specified in the agreement. The grace period gives a guarantee to the borrower about an interest-free loan - the holder of a Sberbank credit card can deposit the entire amount spent during the established grace period without overpaying interest.

Credit cards provide for the renewal of the grace period - as soon as the money is fully received on the card, the borrower has the opportunity to use the funds again without paying interest.

The grace period starts counting from the day the card goes negative

How to close a credit card

It is important to know exactly how to properly close a credit card in order to avoid charging "extra" interest. To close, you should contact the Sberbank branch, which is often neglected by the borrower, preferring to throw away the credit card. According to the signed agreement, the credit card is the property of the bank, so the holder is obliged to return it.

To begin with, the borrower must find out the amount of debt on a credit card - banks close the card only if they are fully settled with them.

There are several ways to find out how much you owe:

1. Take a check from an ATM - the check will indicate the amount of the balance.
2. Call the customer support service, where you can ask an employee for any information of interest about the amount and closing of a credit card.
3. Go to the branch of Sberbank, where a credit card was previously issued. When applying, you must present your passport, contract and the credit card itself.

It is not necessary to apply to the branch of the bank where the contract was drawn up and the credit card was issued. You can go to any office closest to your home, where the manager will announce the amount of the debt and instruct you on closing the credit card. After paying off the debt, the borrower must write an application to close the credit card. The procedure for closing a credit card takes a few minutes, but the contract with Sberbank will be terminated only after 30 days.

The borrower should carefully consider the closing procedure. A bank employee must cut the plastic in front of the cardholder. All papers are drawn up in full accordance with the instructions. For your own safety, you can request a visa from the Sberbank employee who closed the card.

If you have your own funds on the card, the application should indicate the account and other details for the transfer, what will happen after 30 days from the day the card was closed. At the same time, it is better to contact the bank again and take a certificate of termination of the contract. The borrower should carefully monitor the notification by SMS and the disconnection of Internet banking services.

What is important to know

Each credit card holder must keep a record of the amount owed and minimum payments made. This is necessary for him himself - so he will be able to correctly allocate his budget and make timely amounts to pay off the debt. You can find out the amount of debt through a Sberbank ATM by asking him for a check.

It is also convenient to use services for remote account management - Mobile Banking or Sberbank-online. With the help of the presented applications attached to the credit card, you can find out the entire history of the account. The convenience of using credit cards from Sberbank lies in the regular provision of postal or e-mails about the status of the account and the debt on the balance.

There are two ways to pay off credit card debt:

• The first is to fully repay the amount spent from the card during the grace period, which is no more than 50 days in Sberbank. During this time, interest on the use of funds is not calculated. But you should take into account the fact that cash withdrawals are not an interest-free return.
• The second way is to repay the loan with minimal monthly installments. At the conclusion of the contract, this amount is indicated as a percentage, often 5% or 10% of debt. Often this amount is small, which makes it easy for the borrower to repay the debt.

The only negative point in the method of paying off debt in small monthly payments is a small part of the principal debt. A large amount in the payment is intended to pay interest on the use of funds. This entails an increase in the repayment period of the debt on the loan.

The borrower must know how to pay off credit card debt so as not to provoke the accrual of fines and other fees

Debt payment methods

Now you should deal with the question of how to repay the loan.

There are several options offered by Sberbank for the convenience of the client:

• Using Third Party Channels
• The borrower can use a wire transfer through a third-party company - Euroset, Svyaznoy, Rapida or Eleksnet. In the presence of an electronic wallet, the Qiwi payment system is popular. You can also transfer money through the Russian Post.

Cash	It uses ATMs, terminals, cash desks of Sberbank. Among the positive facts, one can single out the borrower's confidence in repaying the debt - a check is issued at the cash desk or terminal on depositing the amount and the balance of the debt. The disadvantages of the method include the duration - the queue at the cashier or the search for an ATM.
Bank transfer	We are talking about the participation of third-party banks or the enterprise-employer of the borrower. In this case, it is necessary to write an application at a bank branch or in the accounting department for the transfer of a certain amount. The application shall indicate the account number and additional details of the bank. Such a transfer entails the payment of a commission.
Transfer from a debit card or personal account	If you have a debit card or a deposit in Sberbank, you can use a cashless transfer, which is carried out through a terminal, ATM, Internet service or mobile bank. Among the advantages is the ability to transfer funds at any time, as well as the ability to connect a free auto payment service. As for the shortcomings, only the obligatory presence of the amount of money necessary for transferring on a debit card or personal account is highlighted here.

A credit card holder can also use Visa and MasterCard MoneySend services if they have cards of third-party banks in the form of Visa or MasterCard.

Terms of repayment of a loan on a Sberbank credit card

The conditions for repaying a loan on a Sberbank credit card can be summarized as follows:

• Using a credit card implies a grace period, which in Sberbank does not exceed 50 days. During this time, the debtor can return all the money spent without commissions or interest. The grace period is constantly renewed - it is enough to pay off the debt, and the system starts the calculation again.
• When applying for a credit card, the contract prescribes the method of repaying the debt - full or partial. The full one is characterized by the payment of the spent amount at a time, while the partial one implies the calculation of the minimum monthly payment, which is paid by the client at the set time (selected independently).
• Debt repayment can be through the internal system of Sberbank, by depositing cash or by making a cashless payment. In both cases, you can use terminals, ATMs and cash desks of the lender's offices. Cashless transfer of funds is possible from a personal account or any other card of the borrower.
• If you are located far from offices or ATMs, you can use third-party companies that transfer funds to a Sberbank credit card. Here, the Qiwi payment system, Euroset, Svyaznoy, Rapida and Eleksnet are distinguished.

For all questions about paying off debt on a Sberbank credit card, you should contact the nearest branch or call the customer service. You can also find the necessary information on the official website on the Internet. Here, an application is left for consultation, on the basis of which a bank employee will contact the client.

The process of paying off debt on a card with a line of credit is fundamentally different from the procedure for closing any other bank loan. When applying for a conventional loan, the borrower receives a clear repayment schedule, which he must comply with. Credit card repayment does not imply a schedule, the client himself regulates the process and the amount of payments. And every cardholder with a line of credit should become familiar with the process of closing debt.

Amount of monthly payment

As in the case of any other loan, the minus on a credit card must be repaid by making monthly payments. But banks do not set a fixed amount of payment for this product: the borrower regulates the amount himself, paying amounts that are convenient for him. At the same time, the bank indicates the limit of the minimum monthly payment, which the product holder must comply with.

Each bank sets its own minimum payment. For example, there may be such options for its calculation:

- 5-10% of the total debt, but at least 500 rubles;
- 5-10% of the principal debt plus the amount of interest accrued per month;
- a fixed fee, for example, not less than 3000-5000 rubles per month.

Important! The bank sums up for each reporting month and indicates to the borrower the amount of the minimum allowable payment. For example, for March you need to pay before April 20, for April transactions until May 20, etc. The bank closes the reporting period (month), generates an extract and waits for the payment to be made.

It is better not to do the calculations personally - you can misinterpret the algorithm for calculating the minimum monthly payment. If you pay less than the due, it will be regarded as non-payment, the bank will apply a penalty.

Use Internet banking, connect the SMS informing service. These services will help you always keep a "hand on the pulse." The bank will inform you about the minimum amount you need to deposit at the end of the reporting month.

Pay more than the minimum amount!

Credit card repayment terms allow you to pay off the minus gradually, making only small amounts close to the minimum. But if you stick to just such a scheme, your debt will decrease extremely slowly.

The monthly payment on a credit card consists of the amount of principal and interest. If we consider the minimum payment, then it mostly consists of interest. That is, if you adhere to the minimum bar, you will pay off the main debt extremely slowly, the debt will practically stand still.

Many borrowers pay off their debt with minimum periodic payments, and then blame the bank for not reducing their debt. Everything is logical: the citizen repays the interest accrued during the reporting month, and the amount of the principal debt practically does not change.

Important! Don't stick to the minimum monthly payment, pay more. Thus, a large amount will go to pay the principal debt. This means that over the next month the bank will charge less interest, the overpayment will be lower, and more profitable.

Credit cards with the best conditions

Bank's name	Sum	Information	Decor
	up to 300,000 rubles	Market leader The rate is individual 15% -29.9% Grace period up to 55 days Service 590r. in year Registration without references From 18 - 70 years old Redemption throughout Russia without commission Support around the clock
	up to 600,000 rubles	Grace period up to 100 days Rate from 26.99% Issuing a card for free Waiting for approval up to 30 minutes According to the passport From 21 to 60 years old
	up to 300,000 rubles	Cash Back MasterCard Loan rate from 26.99% 10% refund to the card when paying at any gas station 5% refund when paying in any cafes and restaurants Grace period up to 60 days Discounts up to 15% with partners Cash Back up to RUB 36,000 in year Having a permanent job From 21 to 60 years old Continuous work experience of 3 months
	up to 600,000 rubles	Rate from 29% Your income must be over $20,000. Grace period up to 50 days 2 personal income tax, bank statement Help in free form Review 1 day From 25 years old Continuous work experience of 4 months
	up to 350 000	Installment card "HALVA" Limit - from 5,000 to 350,000 rubles Usage rate - 0% per annum Installment period - up to 12 months Citizenship: RF Annual maintenance - 0 rubles
	up to 300 000	Installment card "CONSCIENCE" Limit - from 5,000 to 300,000 rubles Annual maintenance - 0 rubles Installment period - from 1 to 12 months Fee for making a payment - None The validity of the card is five years Citizenship: RF

Credit card maturity

The same scheme applies here as with conventional lending. The bank indicates the date by which the next payment must be made. For example, the 22nd of every month.

When choosing a method of depositing funds, keep in mind that not all of them involve instant transfer of funds, then you need to pay in advance. Money is instantly received when paying through a cash desk or an ATM of a bank serving a card, Internet banks, through card-to-card transfer services. In all other cases, the operation can be performed within 1-3 days.

The bank does not provide for an exact term for paying off debt on a credit card: this is regulated by the borrower himself. You can “drag out” the case and pay off the debt for years. Or you can make higher payments and deal with debt in a couple of months. In addition, given that the card limit is renewable, it is impossible to determine the exact maturity date.

Repayment within the grace period

If the bank connects a grace period to the credit card, you can use the loan line free of charge. Pay in full to pay off the credit card, pay off the debt in full before the end of the grace period, then the lender will not charge interest.

What you need to know about the grace period:
- standardly lasts 55-60 days, some banks issue cards with a discount of 100-120 days;
- the benefit applies only to non-cash transactions. Cashing out and making transfers do not fall under it;
- It is important to comply with the deadlines. Each bank interprets them in its own way, be sure to check with the bank the exact end date of the interest-free period.

How to close card debt early

At any time, you can completely close the debt on the card. To pay off your credit card early, contact your bank and find out how much you owe today. Put this amount on the card and wait for the next monthly payment to be written off. After that, the debt will be canceled. The specificity of the product is such that next month the bank can charge interest if the debt has flowed into the next reporting period. Close this one too.

Remember that paying off the debt in full is not closing the card. You will still have to pay for maintenance, SMS notifications and other services. If you do not need a card, contact the bank and write an application for its closure.