Some users of credit services from Sberbank, when trying to pay for purchases or withdraw cash, receive the message "Debiting from a Sberbank credit card is prohibited." In such a situation, you need to determine the reason for the blocking and contact the bank for an early solution to the problem.
Credit card problems
The most common reason for blocking a credit card is its expiration date, which is indicated on the front of the credit card. It is necessary to visit the bank and request the issue of a new card. Be prepared for the fact that you will need to re-confirm your personal data and, possibly, creditworthiness.
Make sure that the card has not been lost or fall into the wrong hands. Blocking in case of loss is made at the request of the client himself. Remember that even if you find a lost card, you will no longer be able to use it. If the credit card fell into the hands of the intruders, and they attempted to crack the PIN code, or suspicious amounts are debited from the card, the bank takes blocking on its own. Contact the nearest branch to find out all the circumstances.
Violation of clauses of the loan agreement
Be sure to reread your loan agreement. It should clearly stipulate the amount of the loan and the rules for using it. For example, there are loans with and without overdraft. In the first case, even with a zero and negative balance on the card, the client can continue to withdraw cash and pay for purchases. Subsequently, you will only need to make monthly payments on time to pay off the debt. In the second case, only a certain amount is available to the client, which can be used. As soon as all funds are spent, the bank will suspend payments on the card until a certain amount is deposited on it.
The number and size of payments for loan repayment is the second most important clause of the agreement, which you need to know in detail. The bank always monitors how well the client repays the arisen debt, and if not enough funds are deposited monthly, the card can be blocked even if there is a certain amount on it. It is important not to forget about the interest charged monthly under the contract. Repayment must necessarily be carried out taking into account these charges.
Each client is given the option of monthly cash withdrawals from a credit card on an individual basis. For example, a withdrawal limit of 50,000 rubles, 100,000 rubles or another amount may be applied in accordance with the agreement. If you do not keep track of the amount of credit used, you may end up with a card blocking for a month or more.
Financial and other problems
Do not rely on the issued credit card to be permanently available for use regardless of your current financial situation. First of all, the bank closely monitors the professional activities of its clients. Its employees periodically make calls to organizations in which borrowers are employed (this information is always requested before issuing a loan). If the bank discovers that you have been fired or even demoted, it can impose special restrictions on the loan, up to a complete blocking of the credit card.
So, if you have been fired from your job, try to find a job in a new place as soon as possible. Be sure to notify the bank about the situation that has arisen: honest and responsible customers often meet halfway, providing an opportunity to solve problems within a certain period. The same applies to the change of your personal data: if you have recently changed your place of residence, home or work phone number or even your last name, notify the bank as soon as possible. Having “lost” the client from sight, the organization immediately blocks credit accounts and sends a request to law enforcement agencies to find a person suspected of evading debt repayment.
Make sure that you do not have debts for utility bills, traffic and administrative fines. The same applies to your next of kin. In such situations, bailiffs can block credit and even ordinary current accounts by sending a request to the bank. The debtor (or his closest relatives who find themselves in such a situation) will have to pay off the debt in part or in full in order to regain access to their finances.
