"Youth" credit card from Sberbank was created especially for young clients who prefer to make the majority of payments and manage their account online.
The Molodezhnaya card can be issued in two payment systems Visa and MasterCard. Basic conditions:
• interest rate - 24%
The size of the credit limit is determined on an individual basis and ranges from 3,000 to 200,000 rubles.
• grace period - 50 days (makes it possible not to pay interest on the loan when the entire amount is repaid in the specified period);
• every month you must pay at least 5% of the amount owed;
• service cost - 750 rubles. in year.
The card provides for remote control of the account and payments through the online services Mobile Bank and Sberbank Online, which are available around the clock. All operations are protected by 3D-secure technology. The "youth" card can be linked to electronic wallets (for example, WebMoney or Yandex. Money).
The procedure for issuing a credit card "Molodezhnaya"
To obtain a credit card, you must contact the Sberbank office and fill out an application form for obtaining a card. The list of documents requested by the bank includes:
• certificate of income in the form of 2-NDFL (certificate of income from the employer);
• certificate of scholarship (if the borrower is less than 24 years old and he is a full-time student);
• passport.
The borrower must be an adult citizen of the Russian Federation, and also be registered in the territory of the Russian Federation.
The bank does not require permanent registration in the region of the bank's presence.
The application is reviewed by the bank within 2 working days.
Benefits of "Youth" credit cards from Sberbank
Benefits:
• issue of a secure card with a chip;
• accrual of bonuses under the "Thank you" program;
• the card allows for registration by non-working students;
• SMS informing about account transactions - free of charge;
Disadvantages:
• large commission for cash withdrawals - 3%;
• grace period does not apply to cash withdrawals;
• a commission of 15 rubles is charged for requesting a balance in third-party banks.
