How to close a credit card of Sberbank: instruction for holders

Today, a large number of people prefer to use credit cards to pay for goods and services. This is a fairly convenient option for a small amount of money. Almost all banks provide their loan products in this form, including the leading financial structure of Sberbank.

However, sooner or later there comes a point when it becomes necessary 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 the Savings Bank and whether it is possible to do it ahead of time. The details of this procedure will be discussed in the article.

Reasons for closing a credit card

The reason for closing such a payment instrument can serve as the end of its term of validity, a variety of veiled payments and commission charges, because of which there is a regular decrease in the amount of money in the account. Also, it may not be very convenient for a bank customer to keep the amount on the credit card under control, because electronic money is more difficult to monitor than for cash.

And the main reason for closing the card is its theft 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 must act promptly. Otherwise, the owner of the credit card runs the risk of losing its cash.

Step-by-Step Instructions for Standard Credit Card Closing

For this process, a step-by-step algorithm for operations is very important, because it is about money, and the slightest discrepancy with the rules entails very unpleasant consequences.

Before you close the account of a Sberbank credit card, you need to fully pay off the debt on it, if any. To confirm the execution of this operation it is necessary to obtain an extract from the account with 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 paid services and auto payments that accompanied the credit card. Since in the process of closing, unwanted debts may appear again, which will slow down the process.

Then it is necessary to apply personally to the branch of the Savings Bank, 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 debt 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 for using the borrowed funds stored on it. Together 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 to close the already-former credit card holder are over.

When the bank reviews this application and closes the credit account, the client will receive a message on the mobile phone. After that, you can again visit the bank's office to get documentary confirmation 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.

Closing a credit card if it is lost or stolen

After detection of the loss, it is necessary to immediately notify the bank's employees by phone, 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.

When is the credit card considered closed?

Many people mistakenly think that by paying off the debt and independently liquidating the card, it becomes closed. But in fact, this is not true. Then, how to close the credit card of the Savings Bank, 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.

Possible difficulties in the process of closing a credit card

For Sberbank of Russia, there is no particular difficulty in the process of closing credit cards. This bank is the leading financial institution 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 period, the client has the full right to demand their extradition. As sometimes documentary proof 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 matters, and as to the question of how to close a credit card of the Savings Bank, difficulties should not arise.