A Sberbank credit card is an additional electronic wallet used to pay for goods and services by bank transfer. The financial institution has provided an optimal grace period for its clients - up to 55 days. This time is enough to return the funds in full, without going beyond the interest-free period.
Any bank card has a validity period, including a credit card. This period is indicated on the face of the plastic. Therefore, in order to avoid unforeseen situations associated with the inability to pay for goods or services, you should be ready to contact the bank to replace the old plastic with a new one.
Sberbank offers the following validity periods for credit plastic cards:
- 3 years - Gold or Classic credit cards MasterCard and Visa, "Give life" Visa Classic, "Aeroflot" Visa and others;
- 1 year - Credit Momentum Card.
All attempts to use an expired card are impossible due to its blocking. After the expiration of the specified period on the plastic, the card becomes invalid. The financial institution has all the rights to automatically reissue it for the same period, provided that the borrower has not notified the bank about the refusal to use it.
Also, the bank is not responsible for the owner's late receipt of his credit card, which was issued for a new validity period.
If there is a debt on the card
If there is a current debt on the card, it is not necessary to close it. The client changes only plastic, the card account remains unchanged, therefore, it is not required to repay the debt in full.
If there is a current overdue debt on the credit card, the debt must be closed without fail. Otherwise, the bank employees will not accept the application for the re-issue of the credit card. Sometimes reissuance is impractical due to a large overdue debt. In such a situation, re-release is not done. The client repays the debt with comfortable payments immediately to the card account, but not less than the minimum payment stipulated by the contract.
If a credit institution considers that operations of a dubious nature are being carried out on a credit card, it can be blocked unilaterally. Then the owner should definitely visit the bank branch to find out the reasons.
When is it time to change the card
To find out up to what month and year the credit card is valid, you should carefully examine its front side. On the outside, there are 4 numbers printed with a forward slash. For example, the entry 08/18 means that you can pay for goods or services with a credit card until the last day of August, and from September 1 it will become invalid.
The credit card must be replaced in several cases:
- After the expiration date. The validity period of a Sberbank credit card depends on whether it is personal or unnamed. The name of the holder is indicated on the nominal, its term is 3 years. For non-named, a period of 1 year is provided. You don't have to visit a bank branch to get a new credit card. If you did not go to the bank on your own, and did not write an application for closing a bank account, the card may come automatically. The client only needs to receive it at the bank.
- Damage to plastic. If a card with a credit is damaged, you need to apply with a passport and an old damaged one to the bank, write an application for reissue. Damage can be different, they include: the card is cracked, broken, scratched, the magnetic stripe is demagnetized on it, damage to the contactless card.
- Loss or theft of a credit card. It is required to immediately block it, and then immediately order its re-release. There are several ways to block a credit card: come to the bank in person, in the Sberbank Online personal account, by calling Sberbank explaining the loss of the card, or by sending an SMS notification explaining the reason. When all actions are done correctly, no intruders will be able to use the funds on the card.
- Change of surname or first name. The plastic should be replaced if the owner's name or surname has changed. In case of an untimely replacement, the bank will perceive the borrower as another client, what can this threaten? There may be a delay in the monthly payment or other payments intended for an individual with a different last name or first name, because the financial institution knows the borrower only under the old name. If you want to apply for a service to a bank employee, you will also need to prove that this is your credit card.
Who to contact
When visiting the department, you need to take a coupon. Sberbank has an electronic queue. The electronic terminal directs you directly to the right specialist who is ready to answer all your questions.
There is another way to change a Sberbank credit card that has expired. To do this, you need to apply for a reissue online through your Sberbank Online personal account. An electronic form is provided that you can fill out without leaving your home. In it you need to fill in all the fields:
- type of credit card;
- the reason for the replacement (upon expiration of the validity period, upon changing the surname or first name, upon loss, damage or theft);
- a branch of Sberbank suitable for the borrower, from where it will be possible to pick up plastic.
How to renew a Sberbank card
If for some reason the card was not automatically reissued, the employee will help to draw up an application for the client to renew the Sberbank credit card. Since the card account of the agreement remains unchanged, the re-issue procedure is free in most cases, and the owner does not have to pay for the annual service. These conditions include borrowers who have a pre-approved offer with the bank, implying free annual maintenance of the bank account.
When contacting a financial institution for a credit card extension, do not hesitate to ask about the new conditions. After all, they could have changed in three years. And the client can choose the most suitable banking product for himself.
How long will it take
There are times when a new credit card is already waiting for the borrower at the branch, if the reissue of the credit card is planned. And if the plastic was lost or damaged, then you will definitely need to write a statement at the bank. After it is drawn up, the new plastic will come in about two weeks. An unscheduled issue means: the card is self-blocked by the owner, it has visual damages, unpresentable appearance, the borrower has changed his first or last name, the ATM has “chewed” the plastic.
The waiting period directly depends on the type of banking product - personalized credit cards take longer to process, and an instant credit card can be picked up quickly. Many are interested in the question whether the credit card number changes when changing - yes, it is subject to change.
The cost
The cost of reissuing plastic directly depends on the level and type of credit card:
- With an individual design, you will need to pay 500 rubles.
- For social - 50 rubles.
- Instant ones are subject to free reissue - Maestro Momentum or Visa Electron Momentum.
- The premium segment will be reissued for free - MasterCard and Visa of Platinum and Gold classes.
When reissuing, do not worry about the money remaining on the balance sheet. They will remain in the account, since plastic is only a way to access the borrower's funds.
