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 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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