Tip 1: Pros and Cons of a Youth Card from Sberbank
Tip 1: Pros and Cons of a Youth Card from Sberbank
"Youth" card from the Savings Bank is designed for young people aged 14 years. Like all plastic cards, it has its inherent advantages and disadvantages.
Description of the map "Molodezhnaya"
The "Molodezhnaya" card can be issued in twopayment systems - Visa Classic and MasterCard Standart. There are debit and credit cards. The cards are issued for a three-year period. The cost of maintenance depends on the type of card - 150 rubles. per year for debit and 750 rubles. for credit. The credit card sets the interest rate at 24%, and the credit limit is determined for each client individually and ranges from 3 to 200 thousand rubles. To receive the card, you need to contact the bank branch, or fill out an application on the Sberbank website. To receive a debit card, the client must be a citizen of the Russian Federation between the ages of 14 and 25. The requested documents include only a passport. To receive a credit card, the bank also additionally requests a certificate of income 2-NDFL or a certificate of scholarship. Credit cards are available only to adult citizens of the Russian Federation.Advantages and disadvantages of "Youth" cards from Sberbank
"Youth" cards from Sberbank can be issuedwith individual design, i.e. the client can choose the image of the card. A credit card can be issued even by a non-working student, and a debit card can be issued to schoolchildren. Credit cards are issued with a grace period of 50 days. In this period, you can use borrowed funds without accrual of interest. Another advantage of the "Molodezhnaya" card is free SMS-informing about all operations on the account. Like all Sberbank cards of Visa Classic and MasterCard Standart systems, they provide remote account management via the Internet bank "Sberbank OnL @ yn", as well as using a mobile phone or tablet ("Mobile Bank"). A "youth" card can be attached to its electronic purses (WebMoney or Yandex.Money) to transfer funds between them in real time. This can be especially in demand among freelancers who receive payments to electronic wallets. All transactions on the card are protected by 3D-secure technology, which serves as an additional guarantee of safety of funds when paying in an online store. The security of the card is also backed up by issuing them in the format of a secure chip card. On the cards, bonuses are awarded according to the "Thank you" program for each payment by bank transfer. Bonuses can be exchanged for discounts in numerous partner stores. Among the shortcomings can be noted the high cost of annual service and a commission for withdrawing cash on credit cards (3%). It is important to note that unlike many other banks, in the Savings Bank for cash withdrawal is not covered by the grace period. Another disadvantage is that a request for a balance in third-party banks raises a commission of 15 rubles.Tip 2: How to use a Sberbank credit card
The credit card of Sberbank is modern andan affordable tool for financial transactions, if, of course, deliberately and carefully used it. To use the card as convenient as possible, it is important to know simple rules and strictly follow the bank's requirements.
You will need
- - credit card;
- - passport.
Instructions
1
When making a credit card, be sure tocheck whether the data of its holder is correctly written, namely the name and surname. This information is placed on the face of the card. Be sure to sign your name in a special field on the back of the card. Now it's ready to use.
2
If you would like to use a credit cardSberbank with non-cash payments, insert it into the ATM and use one of the functions, for example, ask for a balance. In general, the activation of a credit card for settlements occurs automatically the next day after its registration. The activated card can be used in any places where such a financial instrument is accepted for payment.
3
Specify the amount of the credit limit establishedfor a map of your type. Payment for goods and services is possible only within a predetermined range. The size of the credit limit is usually of an individual nature and depends on the income level of the cardholder.
4
Use a credit card to conductcalculations and purchase of the goods and services you need. Be prepared for the fact that when you make such a purchase in the store, you may be asked for a passport. You can also cash out from the card. Consider at the same time that for the performance of such an operation through the ATM of the Savings Bank a commission of 3% of the withdrawn amount is charged. If you use an ATM of another bank, the commission can be higher.
5
In time, repay thecredit card debt to Sberbank. If you return money to a card account before the grace period expires, you do not have to pay for using the funds.
6
If you are an active userInternet, use the card to pay for goods purchased through a computer network. Be careful, enter personal data only on sites that have a reliable reputation.
7
Contact the customer service centercustomers of Sberbank, if you have questions while using the card. Here you can find out how the funds are debited from the card, what are the restrictions in using it, how to deal with the loss of the card.
