The situation is as follows: being a payroll client of Sberbank, I simultaneously pay for a loan in the same bank and use a bank credit card. I pay off my obligations by monthly transfer of monthly payments from a debit salary card to the account from which the loan is repaid, as well as to a credit card. I carry out operations to repay credit obligations using the application " Mobile bank".

At the end of September 2016, while in business trip outside his region, received a message on his phone from number 900 with a notice about the need to pay off overdue debt in the amount of 0.45 rubles. On the same day, I received another SMS stating that the debt must be paid off urgently, since such a significant debt had already been transferred to the collection service.

After checking the status of your accounts through the mobile bank and making sure that monthly payment the loan was debited from the account, and the monthly payment arrived on the credit card on time, did not attach any importance to the received messages, considering this a technical error on the part of the bank. To my surprise, the next day, when trying to pay with a credit card at retail outlets, I was refused operations.

Upon returning to his city, he immediately turned to the bank branch, where he received a credit card, in order to sort out the situation. The bank employee confirmed that I currently have no delays on loans, and found the reason for the SMS - in April 2016, when transferring money in a mobile bank to the account from which the loan is repaid, I forgot about the Sberbank rule about minimum amount on the account of 10 rubles, in connection with which the loan amount was not debited from the account in full, the debt naturally amounted to the very ill-fated 45 kopecks.

Until September 2016, the bank did not notify me of such a treacherous failure to fulfill my obligations, I did not know about the debt, since I covered this debt with the next payment. When I asked if this circumstance was the reason for blocking debit transactions on a credit card, the bank employee did not answer, informing me that after 10 days I would be able to write an application for unblocking debit transactions on a credit card.

In order to further understand the situation, a few days later I called the Sberbank hotline, where I described the situation in detail and received an answer that the reason for blocking debit transactions was precisely that debt of 45 kopecks, and I could unblock the transactions at the Sberbank office, where I received the card with presenting a card and passport. On the same day, I again went to the same branch of the bank and recounted in detail the conversation with the Bank's hotline. I was given a form with an application for unblocking debit transactions.

However, after I handed this application to the bank employee, after some time, after consulting with colleagues, she told me that I needed to submit such an application to Main office Sberbank in Cheboksary with the presentation of a certificate in the form 2-NDFL and a certificate from the place of work. To my arguments about the instructions I received during the conversation on the hotline, that I am a payroll client of the bank and my income is transparent to Sberbank, and that obtaining these certificates would take me a lot of time, the bank employee only shrugged her shoulders and said that in this case, the expense transactions will not be unblocked for me. Nevertheless, the unblocking application signed by me remained in the bank.

Since then, more than two weeks have passed, but no decision has been made by the bank to consider the application (not sure if it was considered at all), I am not notified. I intend in the near future, having paid off all credit obligations to the bank, to terminate all relationships, since a bank that treats a payroll client like this, who has repaid 5 loans in Sberbank without a single delay, due to a debt of 45 kopecks, cannot be considered customer-oriented.

P.s. Apparently, as a sarcasm, Sberbank sent me an SMS the next day, according to which, as a conscientious and regular customer of the bank, I was offered a loan of 900 tr on unique conditions.

Reading 5 min. Views 25 Published on 07/21/2018

According to statistics, more than 75% of Russians are already active users financial services offered by banking structures. And the vast majority of them are clients. the largest bank Russia Sberbank. Russians willingly become owners of loans, issue debit and credit cards, take out mortgages, car loans. But, credit plastic is in the greatest demand.

Unlike a regular loan, a credit card is much easier and faster to get. Plus the owner plastic card may take part in bonus program, accumulating bonuses, which can then be used when paying for goods or services. But owning such a product also requires a set of certain knowledge, otherwise questions may arise, such as, for example, why write-off from credit card Sberbank is prohibited and what to do if there is money on a credit card, and it becomes impossible to pay with it?

The ban on debiting funds from a credit card can occur for various reasons.

Features of using a credit card

For many, a credit card has become simply an indispensable tool in everyday life.. It helps consumers to make various payment transactions. Including:

• buy the necessary goods, pay for services;
• pay regular utility bills;
• transfer the necessary amounts to relatives.

Using a credit card is extremely convenient - plastic is now accepted almost everywhere and not only in stores, but also in restaurants, travel agencies, pharmacies and hairdressers .

Credit cards are becoming more and more common.

Sberbank regularly improves its offerings, offering its customers new, more convenient ways use of banking products. According to consumers, the most successful innovations are such methods of customer service as:

1. An extensive network of terminals with which you can freely and quickly withdraw money.
2. Remote service "Sberbank-Online", which allows you to carry out all the necessary operations to manage your accounts and cards without leaving your home.
3. Mobile Bank. This service connects to a smartphone and allows you to carry out various financial transactions using SMS messages to 900.

But sometimes there are unpleasant situations when a regular transaction with a credit card becomes impossible, and the message appears on the terminal: “Pay attention, debiting from a credit card is prohibited.” Why is this happening and what to do?

Under what conditions is it impossible to write off

The vast majority of bank customers opt for credit plastic with a set limit Money. A credit card comes to the rescue when you don’t have enough money to buy what you need. But sometimes, even a credit card refuses to give money. And this can happen for several reasons.

Card blocked

The credit card will not issue funds if it is blocked. And the culprit of this situation can be both the owner of the plastic and the bank itself. In particular:

• the client himself blocks the cards when it is lost, and then, having found it among his things, tries to withdraw money;
• in the case when doubtful monetary transactions, which raise questions among Sberbank security personnel, it may be frozen.

If a credit card has been blocked, it can be returned to working condition only after visiting Sberbank and filling out an appropriate application.

When blocking, Sberbank notifies the client about this

Credit card arrest

A credit card, or rather, its monetary contents, can be arrested. Such a sad situation happens with existing large debts that the cardholder cannot or does not want to repay. For example:

• non-payment of alimony;
• large debt to housing and communal services;
• too many fines have accumulated;
• large interest on bank loans.

In this case, the credit card will be safely unlocked as soon as the debt to various authorities is repaid. Moreover, it should be borne in mind that all due interest will be calculated. So do not forget about making regular payments on the loan taken.

Expired

Please note that on each plastic card there is data on the time of its action. If you do not contact Sberbank in time with a request to extend the plastic, after the expiration date it will be blocked.

The card may be blocked due to expiration

Insufficient funds

It often happens that the owner of a credit card, keen on shopping, completely forgets about the limit and tries to spend the money that has already run out on plastic. And, of course, in this situation, payment will become impossible.

Cash out

It is possible to withdraw cash from a credit card. But you should know that in this case the favorable Grace period will also disappear (the time during which the borrower can use a credit card without interest). Plus, you will have to pay commissions.

When withdrawing funds from a credit card, Sberbank charges a separate fee for a commission. It is equal to 3% of the total amount of funds withdrawn.

Moreover, if the amount of money for the transfer, taking into account the commission, is not enough, such an operation will also become impossible. Withdrawing cash from credit cards is obviously a very unprofitable operation, so experts recommend using credit cards only when paying by bank transfer.

conclusions

If it is suddenly impossible to make any payments with the help of a credit card, and the borrower does not understand the reasons, it is worth contacting Sberbank specialists for clarification. This can be done by calling hotline round-the-clock call center (number 8-800-555-55-50, call is free). Or go personally to the Sberbank office and find out the current situation.

Credit cards are very popular, and every day people use this banking product in shopping centers, the Internet, and also make various cash payments. However, not all people know how to use a credit card. In this article, we will consider the rules for using a Sberbank of Russia credit card.

A plastic card allows you to withdraw cash from self-service devices, make various payments for services and goods. A credit card has a large number of features that every cardholder should learn about.

Sberbank credit card activation

When receiving a credit card, the client is given a special envelope that contains a personal four-digit code required for any financial transactions. In some cases, a banking specialist may offer the client to independently come up with a personal code.

Make sure that your name and surname are written in Latin letters on the front side of the plastic without errors. If the card is not registered, then there will be no information about the owner. Be sure to put your signature on the back of the credit card, it is required .
After receiving the banking product, it will be automatically activated within one day.

Payment by Sberbank credit card

If you decide to pay for your purchase with a credit card, then simply hand it over to the cashier. Before that, you need to see what logo you want payment system drawn on the checkout.
In some cases, they may ask for identification documents: driver's license, passport data, and others.

To confirm the transaction, you must enter your PIN code or sign the receipt. But before that, be sure to check the entire amount on the check, as the cashier may make a mistake.

In case of refusal of your purchase, you must present the card and receipt to the seller, as well as return the goods. As a result, the cashier will carry out the operation to return the goods and transfer to the card account. Any checks are recommended to be kept for at least six months.

Getting cash from a credit card

Cash can be withdrawn at special self-service devices with the necessary function, as well as at the cash desk of Sberbank.

If you decide to use an ATM, you must follow these steps:

• Check that the terminal accepts cards of your payment system. Usually there are corresponding logos on the ATM.
• Insert a credit card into a special receiver.
• Follow detailed instructions on the screen.
• Enter your personal code. It is important to note that if the password is entered incorrectly three times in a row, the card is blocked for two days.
• Enter the withdrawal amount.
• Take a credit card, bills and a check. This must be done within 45 seconds, otherwise the ATM may hold banknotes.

Payment by credit card via the Internet

per century modern technologies It became possible to pay by credit card on the Internet. To do this, you do not need to leave the house and wait for your turn. All operations can be performed from your computer or mobile device connected to the global network.

Pay with a credit card only on trusted sites that provide a secure connection during a financial transaction.

In order to make the necessary payment, in most cases, you must enter the 16-digit card number, the expiration date of its validity, your name and surname in Latin, a special 3-digit code on the back of the credit card.

To confirm the operation, you must enter the control code, which is sent to the cell phone number. After successful payment, a payment notification will be sent to your phone.
It is important to note that some foreign websites do not accept credit cards from Russian banks. Therefore, before paying, you need to check this information.

Individual limits on the card account

If necessary, you can independently set certain limits on the use of funds from the credit card balance. Restrictions can be set for the following operations:

• Any financial transactions.
• Withdrawal of funds.
• Implementation of non-cash transactions.

To set individual restrictions, you should contact the Sberbank office where the card was issued and write an appropriate application.

Special regime of the Sberbank card

Sberbank of Russia offers all credit card holders a special service called Special Regime. It is intended for the client to indicate the countries in which he is going to use the credit card. If the operation is requested in a country not specified by the owner, then it will be rejected without fail.

You can activate or deactivate this service, as well as specify the countries in which operations are allowed, in personal account Sberbank Online. If this is not possible, then you should contact customer support.

Use of credit funds

The credit card is very convenient and easy to use. The client withdraws money, pays with a card or makes a payment. Resulting in, credit limit reduced by the amount of the payment or purchase. Every month you must make a payment, not less than the minimum fixed amount. After that, the credit limit increases again and it can be used for its intended purpose.

To control borrowed funds, you should order a report on your operations and account status. This information can be obtained by e-mail mobile phone, by phone of the contact center or in the personal account of the remote service.

Mandatory payment on a Sberbank credit card

In order to use loan funds You don't have to pay off the entire debt all at once. For this, there are mandatory payments that must be made every month. Payment amount:

• Not less than 5% of the debt.
• Amount exceeding the limit.
• Percentage for use borrowed money.
• Fines, forfeit, various commissions.

The payment schedule must be provided to the borrower along with the loan agreement.

Credit card interest

1. According to the tariffs specified in the loan agreement, interest begins to accrue every day after the debt on the loan has formed.
2. Interest stops accruing after the debt is fully repaid and there is no debt.

Missing a mandatory payment

If for some reason the mandatory monthly payment was not made on time, this amount will be added to the next payment. In addition, late fees must be paid.

Grace period for loans

Sberbank of Russia provides an opportunity not to pay interest. This is only possible if the spent credit funds were returned within 50 days after they were spent. It is important to note that such a period is valid in the case of non-cash payments, if funds were withdrawn from the credit card, then the grace period does not apply. If you do not have time to repay the amount of the debt within the specified period, then interest will be charged on the credit card, according to the loan agreement.

Safe use of a credit card

For the safety and security of borrowed funds, it is necessary . Thus, you can avoid fraudulent activities.

1. To prevent the funds on the card balance from being available to third parties, never write down your password on the plastic of the card. Do not share your personal code with anyone. When paying online, no password is required.
2. Keep your credit card in a secure place. Do not store the card near electrical appliances, try to exclude mechanical damage.
3. In case of damage, loss or theft of a credit card, it must be blocked urgently. To do this, you need to contact banking specialists.
4. Remember that Sberbank employees never ask for your card PIN. Therefore, if you receive a call asking you to provide data, then never do this and report this case to the support service of Sberbank of Russia. Also, do not respond to such messages.

Paying off credit card debt

Paying off your credit card debt is easy. You just need to replenish the card balance before the due date, according to the payment schedule. There are many ways to repay the debt, so each borrower can choose the most suitable method.

• Bank transfer from bank card Sberbank. Such an operation can be performed in self-service devices, in the personal account of Sberbank Online, as well as using the Mobile Bank service. Funds will be credited to your account within a day.
• Cashless transfer from any card of financial institutions. To replenish, you must specify all the details of the credit institution and the owner of the credit card.
• Cash in terminals and ATMs that support this function. Funds arrive almost instantly.
• At the box office of any commercial financial institution.

Sberbank credit card report

Every month, the credit institution sends a report on the movement of borrowed funds to the owner of the credit card. This allows you to control the flow of money and make timely payments on mandatory payments. The report contains the following information:

• Reporting period. That is, the time for which the bank report was generated. Usually it is 30 days.
• Loan information. Interest rates, limit, available funds.
• Mandatory payment. The amount of the minimum payment for using the loan. The date of payment is also indicated.
• grace period conditions.
• Movement of funds on a credit account.
• Detailed report.
• And other information.

Additional credit card information

1. After the expiration of the bank card, you should contact the nearest representative office of Sberbank. Most likely a new product has already been released.
2. If the ATM did not return the credit card, then you need to contact bank employees so that they block the card.
3. If you cannot remember your PIN code, then you should contact the representative office of the bank where the credit card was issued.
4. In the event of a change of place of permanent residence, it is necessary to report this fact to financial institution during one week.
5. If you change your cell phone number with the Mobile Banking service activated, you must disable it.
6. When you change your last name, you need to order a new credit card.

Follow the simple rules for using a Sberbank credit card and your funds will always be safe.

How to use a Sberbank credit card is easy to understand by examining the contract for opening a credit card. Sberbank's standard agreement includes a detailed description of interest accrual, card options, commissions, and grace period conditions.

At its core, a credit card in use is not much different from a regular debit card. When making transactions, the client, just like with a regular card, authorizes using a PIN code that is issued to the card, the card can be managed using a mobile bank or Sberbank online, connect SMS informing. 10 days before the end of the monthly repayment period on a credit card, the client receives an SMS notification with the amount that must be paid before a certain date.

That is, credit cards from Sberbank are independent and are not tied to other SB cards, but they can be used together with debit cards. and when you connect Sberbank-Online in your account, you will see transactions on all cards, including credit cards. Using a credit card, you can make online payments to any stores, pay public utilities, Internet and cellular communications, the only restriction on the grace period is the transfer to the accounts of individuals.

A credit card is issued in order to obtain a loan and use the bank's funds at a certain percentage.

Difference from usual consumer credit consists in:

• The credit card has a grace period for the use of funds;
• Withdrawing cash from a credit card is subject to a special bank commission;
• The amount of such a loan is a maximum of 100,000 rubles;
• The emergence of a settlement system of interest on a loan only in the event that the amount taken for use for the grace period is not covered;
• You need to return only the amount that the client used during the grace period.

The SB credit card was created for purchases, so customers can pay in stores using the card without interest and commissions, but, here, withdrawing cash from such a card entails additional expenses, namely taking a commission of 3% of the amount (minimum 390 rubles). Such a commission is taken automatically and debited from credit card funds.

In addition, do not forget that SB credit cards have a peculiarity, since they are designed for non-cash purchases, and cash withdrawal is an additional function, so withdrawal is not included in the grace period. As soon as the consumer has used the function of withdrawing cash by credit card, the grace period has expired and interest begins to accrue to the client.

A credit card becomes a full-fledged loan only in some cases, that is, if you use the card and strictly follow the rules for the grace period, then no interest will be charged.

Cases when interest will be charged on a SB credit card:

• Cash withdrawal;
• Late repayment of the grace period;
• Transfer of funds to accounts of individuals.

In order to use the Sberbank credit card on the most favorable terms, it is not recommended to withdraw cash from it at all, but to use it only for settlement in the store. In this case, the use of the card will be beneficial and enjoyable!

All these cases from the moment of activation of the service will lead to the accrual of interest on the amount used on the loan. The credit rate for most SB credit cards is 24%, this does not apply to special preferential credit cards and VIP tariffs. After the expiration of the grace period, the client is given a period to repay the loan, including interest on the amount used. If the client does not pay the used amount within this period, then the accrual commission is already 38% or more, and the client is charged penalties for late payments, and such situations may adversely affect credit history client.

Grace period

The grace period is 50 days during which the client can repay the amount that was spent from the card. This period consists of two main dates that are worth remembering, the use of the amount for 30 days and 20 days for which the entire amount must be repaid. Payments are made monthly at the same time. Each month, you must make a payment for the previous grace period and the amount spent.

In the first month of using a credit card, it is recommended to clarify the payment terms for the grace period with specialists in order to repay the payment on time without interest!

You can activate the card, like any SB debit card, using a simple operation - requesting a balance at an ATM or during the first payment in a store. If you activated the card by viewing the balance, and used the money for the first time only after some time, this does not mean that the preferential and reporting period will begin only from the moment of settlement, no, the grace and reporting period begins from the moment the card is activated and the contract is concluded. The amount of redemption, respectively, will be calculated only for the one that was spent within a 30-day period.

Paying off credit card debt

To pay off credit card debt, it is enough to simply deposit cash through an ATM or cash desk of any SB branch. In addition, crediting can be carried out using a transfer from a SB debit card to a credit card through Sberbank-Online or a mobile bank.

When paying off a debt, you should not make a payment on the last reporting day, since the credit card account is not credited as quickly as work on SB accounts usually takes place. Do not forget that the bank reserves the right to credit funds for transfers to carry out the operation from 1 to 3 days. It is from these terms that it is necessary to proceed!

When withdrawing the entire amount or making a purchase for the entire amount and inability to repay the debt during the grace period. The bank will calculate payments at a rate of 24% per annum and inform the client about the mandatory minimum payment which must be submitted on time. A convenient SMS informing service informs customers about the need to make a mandatory payment. Thus, the client can take care of the possibility of repaying the loan in advance and using the grace period further.

The list of Sberbank cards includes more than 40 types of cards: for each of them, the Bank's policy provides for restrictions and limits on cash withdrawals.

Restrictions at ATMs and terminals of Sberbank

The maximum possible amounts for cash withdrawals at ATMs and terminals of Sberbank are limited by limits, and in some cases the bank will charge a commission. There are limits on withdrawals both per day and monthly. The day is calculated according to Moscow time: from 00 to 24.00. In foreign terminals, Sberbank will charge you an additional commission, do not forget about the difference in currency conversion.

Limits for credit and debit cards differ. The higher the status of the card, the more favorable the conditions offered.

At an ATM or Sberbank terminal, you will not be able to withdraw funds above the allowed limit of 50,000 rubles per transaction. In order to withdraw from the card above this threshold, contact the branch directly.

Limits on cash withdrawals from Sberbank cards

The daily cash withdrawal limit from the Sberbank card differs as follows:

1. 500 thousand rubles, or 12.5 thousand dollars, or 10 thousand euros For Visa Platinum and MasterCard;
2. 300 thousand rubles, or 12 thousand dollars, or 9 thousand euros For Visa Gold and MasterCard Gold;
3. 150 thousand rubles, or 6 thousand dollars, or 4.5 thousand euros For Visa Classic and MasterCard Standard;
4. 50 thousand rubles, or 1.6 thousand dollars, or 1.2 thousand euros For Maestro Momentum, Visa Electron, "Social", "Student".

Limits and commissions for cash withdrawals from different types of Sberbank cards

Size maximum amount, which you can withdraw at one time from cards that are issued in Kazakhstan, Belarus and Ukraine in the subsidiaries of the Bank:

• Maestro and Visa Electron 50.000 rubles(1.600 dollars, 1.200 euros);
• For premium class cards (types of VISA\MasterCard cards: Classic, Gold, Platinum) the limits are higher: 150.000 rubles V national currency- for Visa Classic and MasterCard Standart, 300.000 rubles. - for Visa/MasterCard Gold, 500.000 - for Visa/MasterCard Platinum.
• other cards - 150.000 rubles($6,000).

Monthly cash withdrawal limit

Compared to ATMs, you can get cash at a branch within a month for more impressive amounts. But even here there are restrictions on the type of cards.

• Visa Platinum, Platinum Master Card– 5.000.000 rubles (170.000 USD, 125.000 EURO) per month;
• Visa Gold, Gold Master Card– up to 3,000,000 rubles (100,000 USD, 75,000 EURO) per month;
• Visa Classic, MasterCard Standart, MIR– 1.500.000 rubles (50.000 USD, 37.500 EURO) per month;
• Maestro, Visa Electron, PRO100 "Standard"- 500.000 rubles (16.000 USD, 12.500 EURO)