They fraudulently issued a Sberbank credit card. How to return a credit card back to the bank with minimal losses? Classic card A credit card is shoved in with a salary card

Problem

Hello! The essence of the problem is that at the place of work they exchanged Sberbank salary cards for new ones with a higher degree of protection. Standard exchange applications were previously signed. On the appointed day they told me to come with my passport, the bank representative took the passport, photographed the spread with the photo and gave me to sign the statement. Only after this did it become clear that I had signed for a “Gold” credit card dated 12.2012 (the card was issued on 01.23.2013). They refused my request to pick up the card, citing the fact that I had signed the statement. How can I return my credit card back to the bank with minimal losses?

I may have misrepresented the essence of the matter. There were two cards - first, against a signature on the statement, they issued a credit card, about which there was no discussion (I saw it only when I signed the statement), and then they gave me a salary card. When I said that the loan was for me not needed, the bank representative said that these are very profitable cards, with a low interest rate and free service for the first 50 days (I suspect that at the time the card was issued, the preferential 50 days had already expired). From the words of the employee, I found out that on this card I have 200,000 rubles lying around. I have never used bank loans, and I want to return this credit card to the bank with minimal losses for myself.

Good afternoon This is the practice of Sberbank. A salary card is issued and then a debit card. If you do not use this card, then only the card limit is provided. For example, in this case, 200,000 rubles. If you do not activate the card, then your credit history is not open. You can get information through the website http://www.sbrf.ru

Solution

Hello,

The type of cards is selected by the management of the organization signing a service agreement with a commercial bank. Payroll credit cards can be issued with or without an overdraft. When using an overdraft on a card in an amount that does not exceed the average monthly earnings, the debt amount is written off automatically when funds are received on the card. The agreement concluded between the company and the bank also stipulates service rates, which depend on the type of card chosen. You were informed about the terms of the loan, whether there is interest for cash withdrawals (usually can be established in the case of using bank funds), interest accrued for using bank funds, as well as the grace period during which no interest is accrued. In some cases, using a credit card is quite convenient.

But if this does not suit you, then there are 2 ways to solve this problem. 1. Try contacting the bank and writing an application to cancel the credit limit and set a threshold of 0 rubles (usually they have special forms, or in free form). 2. Close this account and open a new one in the same bank - current (debit). Please provide the details for transferring your salary to THIS card along with your application to the accounting department.

Have you been forced to use a Sberbank credit card? Or they sent it by mail, but you don’t need it. And you don’t know what to do in such cases? Read on to learn how to refuse it wisely so as not to end up in debt.

Everyone perceives an additional service with an offer to issue a credit card from Sberbank differently. Some people find it very profitable and timely, while others are simply outraged by what is happening. The offer does not come to everyone. The privilege is granted primarily to bank clients, as well as existing borrowers on consumer, housing and car loans. They have the opportunity to issue an instant Credit Momentum credit card or personalized “plastic” with a credit limit of up to 200 thousand rubles. They offer preferential service and a rate of 25.9%.

Credit cards are sent centrally through the “Credit Card by Mail” promotion. If the “plastic” is not activated within a specific period of time, then the bank’s offer is automatically canceled. If you do not need the service being imposed, then the credit card can be destroyed by simply cutting it, touching the magnetic strip. And be sure to notify the bank of the refusal by contacting the Sberbank contact center or writing an email.

Sberbank can terminate the agreement unilaterally, but only if the tariff plan for servicing the credit card is free.

Is the card already in your hands and is it activated? Even if you do not use it, the bank, according to the agreement, will write off the issuance and maintenance fees. How to get rid of unnecessary “plastic”? Write. First, you need to check the financial status of the credit card and unlink paid services. Debt, even for an unused card, appears due to the amounts for issuance and maintenance. After terminating the credit relationship with the bank, obtain a certificate confirming the absence of credit obligations to the lender.

Have you used your Sberbank credit card for the expiration date and no longer want to continue using credit? In this case, a month before the expiration date of the card, you should notify the bank about this. Otherwise, the bank will issue a new one.

When issuing a salary card, the employee is often given a card with a certain loan amount or. Why is that? The type of salary cards is chosen by the company administration, which signs a service agreement with the bank. If the situation is not satisfactory, the problem can be solved in two ways:

1. Write an application to Sberbank to cancel the credit limit and set a threshold of 0 rubles.
2. Close a credit account and open a debit account. Provide the accounting department with the details of the new account and write a corresponding application.

Any banking institution has its own policy of marketing and promoting its services. An offer to issue a credit card from the bank is received via SMS, through calls and during a visit to a branch of the credit institution. This imposition is due to the fact that bank employees receive a bonus for each “plastic” issued. And, as in the sales field, the plan execution system works.

A ceremonial presentation of the millionth Muscovite social card, issued on the basis of the national payment system Mir, took place in Moscow. This was reported by the payment system operator - National Payment Card System JSC.

As the company reminds, the release of “Muscovite Social Cards” with the settlement application of the Mir payment system started in July 2017. The project is being implemented jointly by the State Unitary Enterprise “Moscow Social Register” (a subordinate organization of the Moscow Department of Information Technologies), NSPK and VTB Bank. By July 1, 2020, all Moscow residents eligible for social support measures will be provided with a social card based on the Mir payment system.

“Starting July 1, 2017, all new and reissued social cards in the capital are issued on the basis of the Mir payment system. In just nine months, residents have already been issued a million of these social cards. Various social payments, such as a pension or scholarship, can be transferred to a social card with a payment application based on the Mir payment system... In addition, using the social card payment application, it is possible to pay for public services on the Moscow Mayor’s portal mos.ru without commission" , - said Kirill Kuznetsov, General Director of the State Unitary Enterprise “Moscow Social Register”.

Today, the Mir settlement application is a full-fledged banking application that allows you to pay for goods and services, including using contactless technology, withdraw cash from the ATM network and make transfers in the usual way, the release emphasizes.

“The audience of Muscovite card holders is very wide; they are used by many residents of the capital - from young mothers and students to retirees. To make the use of city services even more convenient for them, we, together with our partners - VTB Bank and the Moscow Social Register - will continue to introduce new technologies and opportunities that will be useful and interesting to all cardholders,” said the Deputy Head of the Department for the Development of Non-Financial Services and implementation of federal and regional programs of NSPK JSC Sergey Romanov.

The product offers the usual payment services and conditions for them: payment of a single payment document without commission, free cash withdrawal from VTB Group ATMs. Clients of retirement age have access to free SMS notifications and quarterly accrual of additional income in the amount of 4% per annum on the balance of funds.

“Since the new year, VTB Bank has connected Muscovite social cards to the cashback service of the Mir payment system. Today, their owners can receive rewards by paying at retail and service establishments participating in the program. The maximum refund amount is 20% of the purchase amount,” said Andrey Osipov, Senior Vice President, Head of VTB Retail Products Department.

“Pupils and students submit applications on the Moscow Mayor’s portal mos.ru. For all other categories, you can apply for a social card at any of the 128 public service centers in Moscow, without reference to your place of residence... We remind residents that this is easy to do: just submit an identification document, a document confirming the right to receive social support measures, and a photograph (the photograph can be brought electronically on a flash drive or photographed directly at the reception window). The period for issuing a social card is no more than 30 calendar days. During the production of the card, if the applicant has the right to free travel, he is issued a temporary unified social ticket, which gives the right to travel on city passenger transport (except for taxis and minibuses). The ticket is valid for 30 calendar days from the date of the first trip,” recalled Tatyana Poretskova, head of the public services department of public service centers in Moscow.

She clarified that a mother of many children from the Presnensky district of the Central Administrative District of Moscow received a millionth social card with the Mir payment application.

Card production time

In Moscow, St. Petersburg, Novosibirsk, Yekaterinburg, Nizhny Novgorod and other large cities, the card will be ready in 2-3 working days; in the regions, production and delivery will take from 3 to 10 working days. Delivery to remote locations may take up to 15 business days. Exact dates are available.

When issuing a card, only working days are taken into account. If you order it on Friday evening, the production time will be counted from Monday.

You can see if the card is ready and when it will be delivered to the office in Sberbank Online in the “Cards” section.

What documents are required to receive a card?

To pick up the card, bring with you your passport or other document that was used to apply for the card. To receive a card for another person, you need a notarized power of attorney.

How to start receiving THANK YOU bonuses?

After receiving the card, you must register in the “Thank you from Sberbank” program. The easiest way to register: send an SMS to number 900 with the text THANK YOU 1234, where 1234 is the last four digits of the card number.
You can also register for the program in your Sberbank Online personal account and at a Sberbank ATM - find the “Thank you from Sberbank” section and follow the prompts.

Bonuses are awarded automatically when paying by card - their number depends on the level of privileges.

It should be remembered that bonuses are awarded only when paying for goods and services. This does not happen when withdrawing cash from ATMs. But when paying for purchases remotely in online stores, bonus Thank You bonuses are credited to your account.

How can I use THANK YOU bonuses?

THANK YOU bonuses can be exchanged for discounts when purchasing goods and services from Partners; a full list of partners is available. In addition, THANK YOU bonuses can be exchanged for a discount when purchasing air tickets and hotel accommodations (on the website “Thank you from Sberbank. Travel”). Bonuses can also be exchanged for discounts when purchasing tickets to events - the service is available on the website “Thank you from Sberbank, Impressions”.

How can I find out my card details?

To find out the details, find the required card in the Sberbank Online mobile application and click “Show details”.

Another way: in your Sberbank Online personal account, go to the “Cards” section and find the card you need, then “Card information” → “Transfer details to the card account”.

Is it safe to use a contactless card?

Yes, the card is safe. It is always in the hands of the owner, so its data remains inaccessible to fraudsters. Making purchases without presenting a card or entering a PIN code is much safer, since no one sees the card data. In addition, contactless technology protects against double debits - after paying for a purchase, the terminal beeps and turns off automatically.