Advice 1: How to get a Bank card Sberbank

The feature of receiving the card of the savings Bank that a credit institution is to limit the results by place of residence of the client. The rest of the procedure named product is the same as any other Bank. From the client requires a visit to the Department and passport.
How to get a Bank card Sberbank
You will need
  • - passport;
  • the money for the down payment (not in all cases);
  • - fountain pen.
Select the type of card you are going to open. Along with the well-known international systems Visa and MasterCard, Sberbank, for example, offers its own system Sbercard. However, in General it is less popular with customers because of limited application possibilities.
Basic information on specific types of cards, the tariffs for their services and the conditions for the issuance you can obtain on the website of Sberbank (don't forget to choose your region, since the rates in different localities may vary)or the consultant directly to the branch.
Visit the Bank with your passport and with the conditions of the first installment on selected card is sufficient for him.
The savings Bank without problems opens the card those registered in the service area of a specific Department. In other cases, the decision taken by the head of the Department, who may refuse.
Notify us of your desire to open the map operator, the type name and the class you are interested in the product. If you have not made a decision, ask for additional advice, ask your questions.
Operator based on the information in your passport, write a contract and other necessary documents and will offer you to sign them. Read them carefully, especially if you place a credit cardbefore you put your signature.
If the conditions for issuing cards require the first contribution, give the required amount to the teller. In some offices you have to defend a separate queue at the cashier. If you wish, you can make the map more than the minimum payment.
Taking your documents, the representative will let you know when you will be able to visit the office to pick up the card. At this visit you will also need to have a passport.

Advice 2: How to get a Bank card

To get a Bank card is not difficult. Enough to choose a Bank and type of card and apply to the nearest branch of the credit institution. After your conversation with the teller (or consultant) and filling out the necessary paperwork, the Bank will start making the card.
How to get a Bank card
You will need
  • - passport;
  • - the presence of registration by place of residence;
  • - a pen (it is likely to give the Bank);
  • - money to pay for the services of the Bank.
Bank cards belong to different payment systems, the most common cards Visa and Mastercard. Maps of these systems can be used in any part of the world where there is a cash machine or device of reception of payments via Bank cards.
The main classes of payment cards: low (Visa Electron, Maestro), classic (Visa Classic, Mastercard standard) and preferred: Gold, Platinum, etc. the higher the class card, the more features and bonuses, its owner, the more expensive and annual maintenance. At low and middle income to pay for the privilege makes no sense.
Cards are also divided into credit and debit. The latter is also called the estimated. For debit card is only available to the owner his own money. The credit - money of the Bank provided to the client as a loan. There are also Bank cards with overdraft facilities: credit limit as a rule provided in excess of the balance on the card.
For processing payment cards be enough for your passport. You may need to immediately make payment of the annual maintenance. If you want a credit card, most will need one of the additional documents: the passport, the certificate on INN assignment, military ID, driver's license. The Bank may also wish to see documents proving your income.
When choosing a Bank must take into account the proximity of his office to home, work, etc., the number of ATMs in the city of residence (which in most areas is preferable to that which one ATM in the whole town), the availability and the breadth of the branch network in Russia, the possibility of withdrawing cash without interest in its ATMs and other banks in the country and abroad, the opportunity to control the account over the phone and via the Internet.
Of great importance are the reviews of other customers and his own impressions of visiting the Bank and talking to their clerks on the telephone. If you don't like something, it is better to choose another Bank. When studying the reviews, pay attention to exactly how banking product was used by his author. If a person has problems with the return taken from the Bank loan, it is unlikely that his review of the Bank will be positive.
When the choice is made, it remains to come to the Bank and tell the staff about his desire to get a card. In many banks there is an electronic queue, but there are also many where a live.
Bank employee will give you the documents that need to be filled and will look at your passport.
It is not excluded that will soon be paid in cash money for the card maintenance. But there are banks where it is optional, the money levied upon the first receipt of the account. Possible option when you need to make a minimum payment, especially on a map of the privileged class.
When done, the Bank starts issuing of the card. This process takes from three days to a week. Possible accelerated card issuance in the period from one day for a fee.
To obtain ready-made maps often have more time to visit the office. Many banks inform the customer about the readiness of the card on the phone, but not all. There are those who are willing to send cards by mail to the address of the client. In this case, it may require telephone activation.
Along with the card you will receive an envelope with the PIN code. It you will enter into the ATM to use the card. To see and know the PIN isn't needs nobody else but you.

Advice 3: How to choose a Bank card

In today's time plastic cards are a common household item for almost every family. The procedure of registration of banking cards has been simplified to a minimum, and for 30 minutes you can become the owner, or cardholder, one of them. But from the variety of cards offered by banks, to choose the one that is really necessary for you?
How to choose a Bank card
Determine for what purpose you need a plastic card. All plastic cards offered by banks fall into two volume groups: debit and credit. Debit otherwise, payment cards represent a current account for individuals or legal entities that in the future you plan to transfer funds. There are several types of accounts that can include a debit card: current, Deposit, cumulative. Current account is meant only to transfers funds have been deposited, and their subsequent withdrawal after a certain period of time. If you have proven yourself as a bona fide customer of the Bank to a current card account, you can offer the service "overdraft", which is a loan of 2-3 average monthly income. Deposit and savings accounts are a way of keeping available funds, with subsequent charging them percent, the average is 10-18% per annum. Credit cards are intended for the implementation of the debit transactions for the funds provided by the Bank.
Specify the area of use of the Bank card. Plastic cards Visa electron and Maestro cards can only be used on the territory of the country where you reside. Visa and Mastercard can be used worldwide. There are varieties of cards of Visa payment system, namely: Electron, Classic, Gold and Platinum. Varieties of cards like Mastercard are the cards: Cirrus, Maestro, Mass, Gold, Platinum. These varieties differ in the size and cost of the services they include.
Determine the desired status of the Bank card. There are personal and non-personal card. For individual maps is indicated by the name and surname of the cardholder, but their production takes time, so the design of this card takes from 2 to 7 days. Non-personal card, otherwise, a bearer is a card instant issue.
Contact the Bank subdivision for issuance of a plastic card. Required documents for registration of the card will be your passport and identification code. But if it's a credit card, these documents still need to add a reference from the place of work for individuals or tax returns for business entities. After submission, you make an application to receive a Bank card, and then sign a contract for card account management.
How to choose a Bank card? Estimating their future costs, each of us is faced daily with little problem, How much money we should bring? There are different types of cards, and you should be able to choose the most suitable. From Bank cards can be a huge list of options and features. Therefore, it is necessary to seriously consider the choice of map type and define that for You at the moment is a priority, what tasks should solve the map.
Useful advice
How to choose a Bank card. One of the most popular banking products today – a Bank card. More likely, especially in our country a common debit card. Just note that when you receive a card in the framework of "salary project" will sure that card debit and the Bank didn't give you the ability to use a certain amount of money as loan. Otherwise it may happen that you are removing money from your account, you can use these tools without knowing it.
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