The gold card standard, but its design is different from the normal instance of its colors. Plastic-gold color. The front side contains all the standard information: card number, holder's name and time of the action.
This credit card to anyone a person just can't do that. It belongs to the category of premium class. The holder of this card – a regular customer, have earned the trust of the savings Bank, having high social status. At least for him and reduced the annual interest on the loan amount, it is still every year have to make a payment for the service card in the amount of three thousand rubles. The time this product is installed «Sberbank» for three years.
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The product in question is fairly new. But already today it is clear that gold credit card of Sberbank of Russia (the reviews of which mostly only positive) is becoming popular and almost an indispensable attribute of everyday life. The financial institution offers five types of credit cards in this privileged series:
Sberbank offers two classic maps. One-payment loan of the services of the airline «Aeroflot». Second – co-branded card with the mobile operator MTS.
The Product of "give life" is a unique offer with a charitable slant. Such a map does not produce more than one Bank. The purpose of introducing this product – not just a luxury consumer loans, but grants and funding of the charitable Foundation. On his account shall be transferred 50% of the amount for maintenance and 0.3% of the amount of each purchase.
Become a holder of the product in question may not every borrower. To obtain a put forward specific requirements. Significant financial prospects await those who will get a gold credit card of Sberbank. The advantages are obvious.
Regular customers, who cooperate with the organization in good faith and have financial provision in the accounts in considerable amounts, often offered a gold credit card of Sberbank. Conditions of use of this product do not seem to have significant differences from the operation of the other proposals. But also they give the card holder a number of privileges.
Most Often for credit card, the customer goes to the Bank yourself. Application should be submitted at the nearest branch of the savings Bank or on its website. On the issue of the card shall be considered within two days.
Personal offer savings can make holders of payroll cards and debit accounts, the depositors and the borrowers, except for customers having other credit cards. Usually the offer you receive in the form of a phone call or e-mail notification. You can go on their own initiative in the nearest structural unit and ask if you have qualified for a gold credit cardSberbank. Reviews have reported that the offer to become its owner, together with the limit amount displayed on the ATM screen.
To obtain the Golden card in the savings Bank need to know about the mandatory requirements for the borrower. This:
There are additional requirements which will be communicated at the place of registration cards. In accordance with the borrower all of the selection criteria and the presence of favorable factors such as positive history and the presence of the contribution at the request of the client is issued a gold credit card of Sberbank of Russia. Conditions for its issuance depend on the internal rules of the organization. This also applies to use of the product.
This issue of interest to clients in the first place. Among the many products special is gold credit card of Sberbank. Terms of this offer are considered to give the holder certain privileges. All of this creates unobtrusive him the status of client premium.
On the issue of repayment, you need to know to make payments best cash at ATMs or cash desks of the savings Bank. Today there is another payment option – through the online system.
The Grace period, i.e. the time when no interest on the offer amount is 50 days. However, it should be noted that this period does not apply to the return received via the ATM money. If it is not possible to return all used cards to the limit, you have to make certain parts. A one-time payment shall not be less than 5% of the total amount.
It is best to be aware of the conditions of debt repayment if you received the gold credit card “Sberbank of Russia». The interest on the card can be charged not only under contract but also for breach of the terms of payment. They will be 36% per annum.
Having been a gold card, can be daily safe to use the product in various situations:
To assess the premium advantages of a gold card it would be best to compare its characteristics with similar products at other institutions.
Alpha Bank offers annual interest of 18 to 33. While the grace period on cards from that institution is 60–100 days. Maximum limit-the amount of 300 000 rubles. And payment of annual maintenance varies from 1500 to 3000 rubles.
VTB 24 has a clear interest rate under the loan at 22 %. The maximum amount for the cash – 600 000 rubles, and the grace period is 50 days. Service credit card «VTB 24”, the client will cost from 2000 to 3500 rubles.
Raiffeisenbank offers an interest on such credit card from 24 to 27. The maximum amount – 600 000 rubles, and the payment of annual maintenance will cost the customer in the amount from 1,500 to 28,000.
Summing up, I would like to mention that many citizens appreciated the advantages of a product such as a gold credit card of Sberbank. Terms of this offer allow you to make best purchases in stores both at home and in other countries. Moreover, the card has a feature – is not provided payment for annual maintenance.
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Alin Trodden - author of the article, editor
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