Everyone has long known that with the help of a certain phrase or phrase you can persuade almost any person to buy. Since the very name of the product always evokes certain associations in the buyer. Banks also use this non-standard method to attract attention to their product.

For example, SKB-Bank now has a whole range of services with big names - this is the “Zanachka” deposit and the “Gain Momentum!” business loan. The bank named its credit card “Spare”. Let's talk about this credit card in more detail.

Spend a little, save more

At first glance, there is nothing unusual about this credit card - standard conditions, typical bank commission rates, and a grace period. But it still has some differences from other credit cards.

• Firstly, and most importantly, there is a low interest rate, only 15% per annum. Although there is one “but” here... It is 15% that the bank charges if the client was unable or did not manage to replenish the card balance on time for purchases made
  For transactions with cash and transfers there is a rate that is much higher than the first - as much as 39% per annum! Therefore, the card is beneficial if it is used for its intended purpose.
• Secondly, the client’s name is not indicated on the “Spare Spare” - this is a non-embossed card of the Maestro payment system. For this reason, plastic is issued on the day of application. In parallel with this credit card, you can order an identification card and an additional Visa MasterCard. Metcombank works according to a similar scheme. The credit card is issued to the client within 10 minutes.
• Thirdly, you can apply for and receive a “Zapaska” credit card only at a bank branch. Despite the fact that you can fill out the application form electronically on the website, you will still have to provide a package of documents to the office in person.
• Fourthly, the card is issued without a credit limit. A loan is provided only after the client’s application.
• And lastly, 51 days is the maximum grace period for a credit card.

Credit limit

The bank’s website says that you can get up to 300 thousand rubles using the card. But SKB-Bank specialists claim that the amount may be less, and it depends on the specific client. So it is best to find out more specific information on the card’s credit limit by calling the hotline.

Let's compare: Uralprivatbank has a maximum credit limit of 500 thousand rubles, interest rate from 23 to 25%.

Card cost

The credit card is issued free of charge. But you have to pay for it anyway:

• For opening an account – 10 rubles;
• For approval of a credit limit of more than 1 thousand rubles. – 1600 rub.:
• The commission for cash withdrawal is quite high - 3.9% (with a minimum of 300 rubles);
• Cash advances are charged differently than purchases - the interest rate is as much as 39%, and there is no grace period.

At UBRD, opening a Maestro account is free, and additional cards are issued for a fee of 250 rubles.

Conclusion

Comparing the pros and cons, we find that the “Spare” credit card is beneficial only for purchases, since they are subject to a grace period of up to 51 days and a low (15%) credit rate.

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SKB Bank today is very popular in the lending industry. This organization, unlike small microfinance organizations, offers its clients a large number of different offers. The Zapaska credit card is an excellent solution when you urgently need to get a small loan.

Advantages of the card

Any loan product has its own characteristics. The trend has not broken this time either; Zapaska offers SKB Bank clients the following benefits:

• No service fee (in most other offers it is 300-1000 rubles per year).
• Cashback (refund from card purchases) in the amount of 1%. When making purchases outside of Russia – 3%.
• Free SMS notifications that allow you to receive complete information about all completed transactions.
• Reduced interest rates when using money on a card.
• Quite a long grace period, higher than most similar offers.
• When withdrawing funds from any ATM, you do not need to pay any additional commission.
• To obtain a card, it is enough to provide only 1 certificate (2-NFDL).
• Possibility of receiving a second card (they will have the same personal account).

Flaws

Any medal always has two sides. The Zapaska credit card also has several minor disadvantages:

• When cashing out (withdrawing funds from the card), the client will have to pay a considerable commission. This also applies to branded ATMs.
• At first, no limit is set, but the user can choose the loan size in the range from 15 to 200 thousand rubles. In the future, this amount may be increased, provided there are no late payments.
• To obtain a card, you must have a residence permit in the region where it is issued and a good, stable income.
• The grace period does not apply to cash withdrawals.

Terms of loan

There are age restrictions for opening this loan product. The client must be between 23 and 57 years old (for women up to 53). According to its conditions, “Spare” is seriously different from most standard credit cards. One of the main features is a large credit limit of up to 300 thousand rubles. However, such a limit is not available to everyone, because it directly depends on the level of solvency. To get maximum opportunities, a person must have a regular income of at least 40 thousand rubles. per month and work experience at the last place of work for at least six months.

Despite the fact that there is no subscription fee for using the card, the client must deposit a certain amount of funds onto it:

• 10 rubles – for opening an account.
• For consideration of the application - an amount of more than 1000 rubles.
• When withdrawing funds through ATMs, you will have to pay a commission of 3.9%, and it cannot be less than 300 rubles. Thus, withdrawing small amounts is extremely unprofitable.
• When receiving money, a person overpays about 3%.

This loan product is subject to gradation depending on the level of consumption. In simple words, the more often the card is used to purchase any goods, the lower the interest rate will be. It decreases with regular borrowing. This is only relevant if the user always makes monthly payments without delay. If there is a delay of at least 1 day, the preferential terms received are canceled and it returns to the original interest rates (that is, the highest).

If you use the card only as a payment instrument with trade and service companies (i.e. without withdrawing cash), the rate will be 15% per annum.

If the loan is repaid in full before the grace period expires, the interest rate is reduced to 0. Currently, SKB Bank's grace period is 51 days. If you connect Internet banking, the client will be able to pay for online purchases on preferential terms, as well as receive detailed information about the transactions made. Notification can also be configured via SMS.

How to apply for and receive a card

You can only receive a card at a bank office; delivery by mail, as in some online banks (for example, Tinkoff), is not provided. The application can be filled out on the official website of SKB; in this case, submitting documents will take only a few minutes and you will not have to wait for review at the office. If the decision is positive, all that remains is to choose the branch to which you need to come with a package of documents (passport and personal income tax certificate-2).

If a person is able to provide additional documents confirming income (for example, a rental agreement), this will be a definite plus, and the client will be able to count on improved conditions. For each violation of loan payment terms, a fine of 700 rubles is provided.

Video about SKB Bank cards

SKB is a more reputable organization than small microfinance organizations, so the Zapaska credit card is in great demand. Considering the lending conditions, we can say that it is best suited for making purchases, since without cash withdrawal the grace period is 51 days. If you do not violate payment terms, a person will pay practically nothing for using the loan.

Currently only one is offered SKB Bank credit card called "Spare Spare".

The bank arose in the fall of 1990 on the basis of the Sverdlovsk management of Agroprombank, subsequently the organization was transformed into an OJSC and called SKB-Bank “Joint-Stock Commercial Bank for the Promotion of Commerce and Business.”

In 1994, 51% of the shares of the organization, which was in dire straits, were bought by the capital's Menatep Bank. Two years later, the bank became one of the largest credit institutions in the region, but in August 1998, the crisis destroyed Menatep and brought SKB Bank to the brink of bankruptcy. Menatep withdrew from the shareholders at the beginning of 1999, and the regional administration bought out 25% of the shares of SKB Bank.

In 2001, metallurgical companies belonging to the Sinara group, which currently controls 73.4% of the shares of SKB Bank, became the new co-owners of the institution.

Today the bank is one of the leading credit organizations in the Siberian and Ural regions.

The number of credit cards issued by SKB-Bank exceeded 400 thousand

An SKB Bank credit card can be serviced at one of the 500 ATMs of this institution installed in the Sverdlovsk region, Moscow, Chelyabinsk, Perm, Rostov, Perm and other regions.

The institution's territorial network includes 11 branches, 94 operating rooms and 93 additional offices. The bank is actively developing its retail business, attracting public funds for deposits and offering consumer and mortgage loans. The number of private clients of the bank reached 200 thousand.

The organization's net assets are 70% made up of the loan portfolio. Of these, more than 60% were issued to individuals. 12% of net assets are invested in securities of foreign and Russian issuers. Citizen deposits account for 42% of liabilities, 30% is made up of balances on corporate settlement and deposit accounts. In the interbank market, SKB Bank acts in both directions, primarily acting as a net lender.

Credit card "Zapaska" offered by SKB Bank

This card belongs to the MasterCard Maestro standard.

1. Card currency is Russian rubles.
2. The use of the borrower’s personal funds is permitted.
3. The cost of issuing the card is free.
4. Maintenance per year - with a starting credit limit of 1 thousand rubles - is not charged. With a limit of more than 1 thousand rubles - 1600 rubles per year.
5. Interest-free period - 51 days.
6. Credit limit - from 1 to 300 thousand rubles.
7. Interest rate - 15-39%.

When issuing a card, a limit of 1 thousand rubles is set; it can be increased later.

The loan is repaid every month. The minimum payment is 5% of the debt amount plus interest accrued for the use of bank funds, but not less than 600 rubles.

The interest-free period is valid only for non-cash payment transactions.

The interest rate for transactions in service and trading enterprises is 15%, for other transactions - 39%. There is no provision for accrual of interest on the account balance.

Cash withdrawals from any ATMs and points of sale are subject to a commission of 3.9%, but not less than 300 rubles. Cash withdrawals are limited to 300 thousand rubles per month.

The SKB Bank credit card can be issued to clients over the age of 18, with an overdraft limit of 1 thousand rubles. For borrowers from 23 to 58 years old, the overdraft limit can range from 15 to 300 thousand rubles.

To obtain a card, you must have a work experience of 3 months at your last place of work and registration in the region where SKB Bank operates. Proof of income is not required.

The SKB credit card is a convenient option in which the borrower always has money at hand. The offer made by one of the most popular and stable banks in the country leaves no doubt about the correct choice when applying for a loan from this bank.

The bank began its work back in Soviet times back in 1990 in Sverdlovsk, which suggests that it is one of the oldest and most respected credit institutions of our time.

General information about cards

Unlike many loan offers, the loan limit at SKB Bank is always renewed, which means that it can be used repeatedly, i.e. If the loan is repaid on time, renewal leads to the opportunity to use the Bank’s funds again and again.

All bank cards are produced on the platform of the American Visa system, and are graded according to categories from simple electronic, classic and to gold, the design of which is made in a classic color and appropriate style for holders of such a status card.

Particular attention should be paid to the “Zapaska” card, which allows the borrower to count on a high credit limit and the lowest interest rates under the agreement. Of course, it is necessary to remember that when signing an agreement with any credit institution, you should carefully study the documents themselves so as not to fall into debt bondage, as has happened more than once with clients of various Banks.

Requirements for receiving cards

Any SKB Bank credit card is issued on the website using an application form, and the requirements for the borrower are quite standard:

• Availability of Russian citizenship;
• Age from 23 years;
• Availability of work experience confirmed by documents for at least 3 months at a permanent place of work at the time of application;
• Certificate of labor income in form 2-NDFL;
• It is desirable, but not necessary, to have a driver's license or SNILS.

If the borrower has any real estate assets or owns a car, it is better to prepare a certificate confirming the right to own this property.

Those who order a card on the Bank’s website can choose the branch where it would be convenient for them to pick up their credit card.

The card ordered on the website will be personalized. For those who come to the branch and fill out an application through a Bank employee, an unnamed plastic card can be issued, which can later be exchanged for an embossed one by filling out the appropriate application at the reception desk.

Terms of use of the "Spare" card

The “Zapaska” card is a very convenient financial solution, because the bank offers preferential lending for this product, subject to the use of such a card in stores, and the bank’s flexible policy is one of the most acceptable loan offers on the market. Conditions for using the "Zapaska" card when paying for goods at retail sales points:

• The grace period for lending, when bank money can be used free of charge, is 51 days;
• The loan rate is 15%;
• Maintenance and card issuance are free for its owner;
• The credit limit is offered at the level of 300,000 rubles;
• SMS notification, mobile and Internet banking are free and included in the price of the service.

A relatively convenient moment is the automatic activation of the card an hour after receiving a letter stating that the bank is transferring the plastic to the owner. There is no need to enter one-time PIN codes or other forms of confirmation on websites.

A few words should be given to the grace period, or as it is called, when servicing the card. Only one-time use of the grace period is possible until it is fully repaid. It is calculated from the moment the purchase was made and lasts 51 days. During this time, you can use the procedure of depositing funds onto the card without paying interest to pay off the debt. If this is not done within the allotted time, then you must be prepared for the bank to begin charging interest for each day of delay.
Credit card "Spare"

Please note that the grace period does not include the following transactions:

• Mobile phone payments;
• Cash withdrawal from ATMs;
• Transfers between accounts;

That is, you can do all these operations with the card, just know that the next day you will receive interest for using the money. The fact is that the card is intended as a payment card, which means it is intended specifically for making payments in stores.

By the way, you can also pay for any purchases online using the card. If you have a card without a name, and the site algorithm requires you to enter data in addition to the number, enter the name as it is written in your foreign passport (and for those who do not have such a document, assume how your data would sound in Latin).

You can repay the debt on the “Spare” card in various ways, the most popular of which are:

• Payment in terminals with cash acceptance function;
• Through instant payment ATMs;
• With the help of a department employee;
• Transfer from one bank account to another.

Some information about the grace period

It should be remembered that making entries when repaying a debt may take some time, so it is advisable to track the time of the expected payment in your bank account and make it not on the last day in order to avoid interest charges. The same can be said about paying mandatory interest on a loan. By postponing them until the last day, you should not risk not receiving a late fee, which can range from 300 rubles per day or several percent according to the contract.

When signing a contract or after receiving information on the site, you need to know that free service is only conditional and requires the client to comply with a certain number of conditions. Many of those who did not fully or inattentively read the loan agreement are surprised why funds are debited from the card. Each card has its own “turnover” limit on the account during the month, when servicing the product is free.

You should also remember that the stated loan amount and interest rate are not a public offer. That is, the maximum credit coverage can be obtained exactly in the amount specified by the Bank, but individually for each client it will be calculated by the scoring system and the bank’s security services based on an approximate limit, which is calculated as three salaries for the last months, divided by three.

How to increase your limit on a plastic card

If funds are used reliably, that is, if the client does not spoil his credit history and deposits money on time, an increase in the credit limit is provided. This can happen in two cases:

• The bank automatically raises the lending level and notifies the client about this;
• After 6 months of using money from a credit institution, you can independently write an application to increase the limit, and it will be considered by a credit inspector.

The loan rate is also floating; it depends on many factors, including the client’s average monthly income, and its constant value can also be found out from the loan agreement.

Please note that cash withdrawals are subject to additional fees. In addition to the fees themselves for using the terminal services, which can amount to up to 3.9% of the transaction amount, this can lead to an automatic increase in the credit limit rate to 39%. See also: .

A significant disadvantage for an unscrupulous payer can be the fact that if the payment is late by at least one day, the organization will immediately fine you 15% in addition to the amount already specified in the loan agreement.

At the same time, the bank has fairly loyal relationships with conscientious clients, which are based on mutually beneficial cooperation. Everything here is extremely simple - the more often you use the card when paying for purchases in stores, the higher the chances for the holder of this product to increase the credit limit.

All card applications can be made in real time on the bank’s website, which reduces the time of using the service and makes using cards more convenient. Customers’ money, according to their own reviews, is safe on the card, and if you use a credit card as a means of payment, and not just a virtual wallet, then you can get a very attractive product at a low price.

With this card you need to pay more and more often, then the loan will be paid less and the bank will increase the amount.

You should not withdraw cash. If you cannot do without this, then it is advisable to get a debit card from this bank and transfer funds to it with less loss of interest.

Before going to the store, check out the website http://www.skbbank.ru and find out if these stores offer increased cashbacks. All information can also be found by calling support hotlines.

Our service is ready to analyze current offers and select the bank with the lowest interest rate.

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Using our service, a credit card from SKB Bank is issued (the online application takes just a few minutes). The process is quite simple. You fill out a special form at the end of the page. Next, the application form is sent directly to the bank for approval. During the day you will be able to come to the office to get a credit card.

Before submitting an application, the client must know what conditions await him. Below we will describe in detail all the characteristics of a credit card from this bank. After this, you can order a credit card directly online.

Credit card terms

This card has a number of advantages. Let's look at the main conditions that the bank offers us:

• You can use the funds for any need
• Limit amount – up to 300 thousand rubles
• Card issuance – no deposit
• Validity period: three years
• Cashback – up to 3% (no more than 3,000 rubles per month)
• Grace period – up to 62 days
• Rate – from 21% per annum
• 3D Secure Technology

As we can see, the conditions are really interesting. Next, consider the requirements for the client:

• Minimum age: 21 years
• Work experience – from three months
• Russian citizenship
• Application form
• Military ID (for men under 27 years old)
• Passport

We can say that the requirements are quite simple. And if you have a salary card at this bank, the registration process will be even faster. All data will already be in the organization’s database. Therefore, it will be possible to apply for a SKB Bank credit card online using just your passport.

Tariffs by card

This card has a grace period. It applies only to non-cash payments. This means that you can pay with your card in stores and online.

If you repay the entire amount within the grace period, there will be no interest. Typically, the annual rate starts at 21%. The exact terms will be specified in the contract.

The grace period lasts 2 billing periods. That is, you must repay the debt by the end of next month. For example, if you paid by card in January, then you must repay the debt by the end of February. Once the debt is fully repaid, you can again use the grace period. All payments during the grace period are summed up.

Repayment process

In this section we will describe all the nuances of a refund. Repayment is carried out by crediting funds to your card. If we are not talking about a grace period, then each month you need to pay the following amount:

• 3% of the debt amount (at least 600 rubles)
• Accrued interest during the billing period
• Card service fee (charged once)

There is nothing complicated. It is enough to make the minimum payment every month. But we recommend that you manage to repay the entire amount within the grace period. Then you won't have to pay extra interest. It is in this case that you will experience all the benefits of this card.

Attention! You can find out the amount of debt via an online service, via SMS or at a bank office. It’s worth doing this in advance to calculate your future expenses.

Zapaska Map

Many people have probably heard about this card. It had its pros and cons. Unfortunately, SKB Bank's spare tire credit card is not currently issued. There is no exact information yet whether the production of this product will be resumed. You need to follow the news on the bank’s official website.

If you are interested in the conditions for this card, we have collected the main characteristics:

• Credit limit – up to 300 thousand
• Rate – from 15%
• Grace period – up to 51 days
• Maintenance – 1600 rubles per year
• The client also has special requirements:
• Age – from 23 years
• Russian passport
• Registration in the region of residence
• Official employment – ​​from three months

The rest of the conditions are standard. Repayment is made monthly. The minimum payment is 600 rubles, but not less than 5% of the debt amount. From this it becomes clear that this card is outdated. Now the bank offers more favorable conditions. If the Reserve card is released again, its characteristics will most likely be reworked.

What are the main advantages of a credit card?

Many people are wondering what is better to choose – a credit card or a regular loan. The second option is suitable if you need to buy a specific product in a store. For example, you want to take a washing machine. Then you can count on favorable conditions, since you will take out a targeted loan. If you need a large sum for home repairs, then it would be more appropriate.

The SKB Bank credit card is suitable in cases where you always want to have a cash reserve with you for a rainy day. For example, you came to the store and made a lot of purchases. But it turned out that you didn’t have enough 10 thousand. Here you can use a credit card.

You can use your credit limit as many times as you like. You take the money, pay it back the next month, and then repeat the process again. Regular use of the card allows you to increase the available limit.

Advice! It is not necessary to constantly withdraw money from the card. If you don’t need credit funds, then let them sit quietly on your card. You won't have to pay any interest. And when the money is really needed, then it will be possible to withdraw the required amount.

Of course, the most important advantage of a credit card is the grace period. If you calculate your expenses correctly, you can use bank money without interest. Be sure to look into this issue. If problems still arise, then ask the manager of SKB Bank to have everything explained to you in detail.