How to increase the credit limit on the Savings Bank card? Terms of use, interest, calculation of grace period

The credit card of PJSC "Sberbank" is an attractive product of the bank with a cash limit of up to 600 thousand rubles and an interest-free period of up to 50 days.

How to apply for a credit card in Sberbank

For the clients there is a line of 6 plastic cards: instant issuance of Credit Momentum, classic MasterCard Standard / Visa Classic credits, preferred Gold, offer for the age segment from 21 to 25 years - Youth, charitable Give Life and Bonus Aeroflot.

The Bank offers its clients a card with a credit limit in 3 ways:

• In the office. Visitors who receive a salary on the Savings Bank card are required to apply for a passport. Prefences will have to wait from 5 minutes to 2 days. Clients on the standard application must provide proof of income. Credit Momentum is issued within 15 minutes - it's a credit card with a limit set by the bank and free service.
• Applying through "Sberbank Online". In the "My account" in the "Cards" tab, you should click on the "Credit card request". Fill the data (the desired product type, limit, name, address, time for the call), press the "Confirm" button, and the application goes to work. Pick up the product in 2 weeks at the selected office.
• At the expert of direct sales. Pre-approved "gold" cards with free service and an established limit are issued by the managers supervising the enterprises within the framework of the salary contract.
• With the help of terminals and ATMs. After withdrawing cash or paying the customer, a special offer from the bank is displayed, for example, applying for a credit card. Having filled all fields and specifying the data, the user has to wait for the manager's call.

How to increase the credit limit on the Savings Bank card

The maximum allowable limit for Sberbank's credit cards is 600 thousand rubles. Pre-approval and installation of the amount of borrowed funds on plastic depends on the decision of the underwriter (a specialist in calculating the solvency, reliability of customers making a decision to refuse / issue a loan). The analyst predicts whether it is possible to increase the limit of the credit card of the Savings Bank to a specific borrower.

In the country's main bank, the issues of changing the loan amount are resolved unilaterally - the creditor. The increase in the credit limit is made based on the solvency of the cardholder, the absence of delinquencies and the frequency of using the product. The more purchases made by the user of the credit card of PJSC "Sberbank", the higher the chance to receive additional funds from the bank.

The active users of the product, not interested in how to increase the credit limit on the card of the Savings Bank, SMS with the notification of a change in the amount of the loan causes negative emotions.

Features of using a credit card

Grace period from 20 to 50 days and special service for salary projects are attractive for potential customers who choose PJSC "Sberbank". A credit card, the terms of use of which differ depending on the type of borrower (salary client or not), allows interest-free "borrowing" from the bank within the grace period.

Calculate it easily: 30 days for active payments + 20 to repay the debt. In order not to pay interest for the use of loan funds, the payer must pay 100% of the amount spent, keeping within this segment. The floating period depends on the date of purchase: in order for the repayment period to be maximum (up to 50 days), you should start spending on the report date or immediately after it. Every day after the date of the reporting period, the grace period will be reduced by 1 day (but can not be less than 20).

The date of the report, the size of the monthly contribution, the total debt can be found:

• In the UCO ("Sberbank Online", terminal network);
• Sending SMS "Debt XXXX" to the number "900" (where XXXX - 4 extreme digits of the credit card number);
• Visiting the territorial office of PJSC "Sberbank".

The credit card (the terms of use of which are also specified in the contract and are explained in detail by the managers when issued or by the specialists of the "Hot Line") as a separate product is more advantageous than the consumer loan with the interest-free period, but the loan terms are higher than the average for the bank's loans.

Interest on Sberbank credit cards

For a mass segment that does not participate in the salary project, 33.9% are charged for the use of loan funds per year. Pensioners of the Savings Bank and those who receive income on the bank's accounts are granted preferential pre-approved Credit Momentum and Gold cards with 25.9% on the loan.

Interest rate reduction, change of the payment date or report on Sberbank's credit cards is not provided. In case of late payment of the mandatory payment from the debtor, a penalty of 36% will be charged.

How to defer payment on a credit card?

If it is not possible to make obligatory payments on a loan as a result of a decrease in solvency, customers can apply to the restructuring department of Sberbank to postpone the date. The possibility of the transaction and the new conditions depend on the decision of the department specialist (annuity payment amount , interest, accrual and / or cancellation of penalties and delinquencies) authorized to "expand" the schedule and break payments (it also decides whether it is possible to restructure the loan and how to increase it). The credit limit on the Savings Bank card will remain the same if approved, but the amount of contributions will decrease.

Reduction of the credit limit

So, how to increase the credit limit on the Savings Bank card? This decision is taken unilaterally by the issuer. Users can reduce the loan amount by applying to any territorial branch with a passport.

Change the amount of borrowed funds on the card can be for an amount not exceeding the total debt of loan funds.