Today, a large number of people preferuse credit cards to pay for goods and services. This is a fairly convenient loan option for a small amount of money. Almost all banks provide their loan products in this form, including the leading financial structure of Sberbank.
Однако рано или поздно наступает момент, когда there is a need to close the credit card and the account to which it is tied. And if many customers know perfectly how to issue such a payment instrument, then how to properly use it is represented by units. Many customers do not know how to close a credit card of Sberbank and whether it is possible to do it in advance. The details of this procedure will be discussed in the article.
The reason for closing such paymenttool can serve the end of its validity period, a variety of veiled payments and commission charges, because of which there is a regular decrease in the amount of money on the account. Also, it may not be very convenient for a bank customer to keep the amount on the credit card under control, because it is a little more difficult to monitor electronic money than for cash.
And the main reason for closing the card is hertheft or loss, because in this case the offender can at any time zero the client's cash account. And here the question arises: how to close a credit card in Sberbank ahead of schedule? And if in the case when the need for a issued payment instrument simply ceased to exist, you can not rush, then when you commit theft or loss of documents along with your wallet, you need to act promptly. Otherwise, the owner of the credit card runs the risk of losing its cash.
For this process, a step-by-step algorithm of operations is very important, because it is about money, and the slightest discrepancy with the rules entails very unpleasant consequences.
Before closing a credit card accountSberbank, you need to fully pay off the debt on it, if any. To confirm this, you need to get a bank statement from the bank cashier. If you have your own amount on the account (since such payment instruments allow you to store not only borrowed funds on them) it can be transferred to another credit or debit card.
Also, it will not be superfluous to disconnect all paidServices and auto payments that accompanied the credit card. Since in the process of closing, unwanted debts may reappear, which will slow down the process.
Then it is necessary to apply personally to the departmentSberbank, in which the card was issued. The client must have a passport, a credit card, which he wishes to close, and a certificate of the absence of debts on it. Sometimes customers are interested in the hotline, can I close a credit card of Sberbank without a personal visit to the bank. Here it is worth noting that without the direct presence of the client, the bank will not be able to stop the account.
Having addressed to the employee of the financial organization,the cardholder must fill out an application form for a request to close a credit account. It is worth noting that it is necessary to close the account, and not a credit card. It is only an instrument of using the borrowed funds stored on it. Along with the completed application, you should give the plastic itself. A bank employee at the client must destroy the card.
On this all the necessary actions for the closure of the already-former credit card holder are over.
When the bank reviews this application and closescredit score, the customer will receive a message on the mobile phone. After that, you can again visit the bank's office to get documentary evidence of the operation. This is a very important step, because this package of documents is the guarantor for the client. The duration of all these activities can be up to 45 days.
After detection of the loss, it is necessary to immediatelyphone to notify the bank's employees, who will take all necessary measures. Then you need to visit the branch of Sberbank and write an appropriate application for closing the credit account or reissuing the card.
Many mistakenly think that paying off the debtand independently liquidating the card, it becomes closed. But in fact, this is not true. Then, how to close the credit card of Sberbank, so that later there are no problems? Here it is worth noting that the money is stored not on plastic, but on the account to which it is attached. Therefore, when an issue arises, how to close a credit card of the Savings Bank, you need to go to the bank and write a statement about the request to close the account, and not the card. Only after the bank staff has entered all the necessary information into the register, the account will be closed.
For Sberbank of Russia is unusual occurrenceany complications during the process of closing credit cards. This bank is the leading financial organization of our country and scrupulously monitors its reputation, observing all the rules, norms and rights of clients.
However, nothing is perfect.For example, a bank employee forgot, and forgot to give the client the relevant documents. In this case, even after the advent of a long term, the client has the full right to demand their extradition. As sometimes documentary evidence of the absence of any kind of debt is required to be provided to some organizations. Employees always meet their customers, so in this case, there can be no special reasons for worry and worry. In other and concerning the question of how to close a credit card of the Savings Bank, difficulties should not arise.
