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Sberbank customers began to complain that the status of their debit cards in mobile application Gosbank replaced overdraft.
For several employees of the Vedomosti, the status of cards really changed. Sberbank's call center employee reported one of them that the application today works with a failure today, so some cards began to display as overdraft: soon problems will be eliminated, and the cards will be displayed again in the debit status - the conditions of their service have not changed. However, another employee of the Vedomosti in the call center was reported that the display of debit cards as overdrafts is necessary for correct work with payments and translations. In this case, there were no changes in service conditions, clarified there.
IN social network "In contact", on his page, Sberbank reported that he received many questions about the fact that Gosbank changed the conditions for servicing debit cards: "This is not true - it is impossible to spend on a debit card more moneythan you have. The exception is the technical debt, according to which Sberbank does not accrue interest. Overdraft on a map can only enable you yourself, not a bank. " Employee "Vedomosti", from which debit card began to be displayed as overdraft, tried to pay on great amountWhat is available on his map, "this could not be done, since the Bank refused to carry out payments due to lack of funds.
All Sberbank Cards debit overdrafts, but they are divided into cards with an unresolved overdraft when the card cannot go into minus, and with permitted when the card can go into minus when buying, another Call Center employee said. The map with a unresolved overdraft can go into minus only when writing off the Bank's commission: for annual service, service mobile Bank, SMS alerts, if this service is paid. And for example, in the case of arrests, it clarifies the interlocutor of the Vedomosti in the call center.
The representative of Sberbank confirmed that neither payments nor the money transfers at zero balance on the debit card were not conducted. In the mobile application Sberbank Online maps Really displayed as overdraft, but it is necessary for the correct operation of the application with payments and translations. "The information distributed on the Internet does not correspond to reality," he emphasized. In rare cases, technical debt is possible - when the amount is written off from the card exceeding the available expenditure limit. "Of course, since there are no guilt clients in the formation of such debt, no penalties or interest are charged and not charged," Sberbank said. Technical debt arises, as a rule, when paying for foreign trips and during translations from the card to the card.
What is the difference
"What is called a credit card may be a credit card, and a debit card with overdraft - some clear regulations, how to take into account cards with a limit, no," says the general director of Frank Research Group Yuri Gribanov.
A credit card Unlike overdraft has a revolving nature - one can be in minus the infinite amount of time, fulfilling the condition of the contract, it continues. On the cards with overdraft it is possible to leave in minus only for a certain period - for a month, for example, or two. Wherein technical Overdraft It is possible almost on all debit cards, he notes.
The difference between the credit card and the overdraft card is that they form a different behavior of customers, tells the top manager large bank. In the case of a credit card, the client understands that this is not his funds, and spends them more meaningful, he continues. The credit card is characterized by the fact that it provides for the minimum payment, repayment schedule and, as a rule, it has an interest-free period, lists the banker.
And when K. salary card Overdraft is installed, as a rule, in two salaries, a person does not always understand that he left "in minus" and does not use his money, he explains. And adds that when a salary comes to the card with an already selected overdraft limit, it is automatically written off at the repayment account. "It turns out that the client is already constantly living on borrowed funds. For bank revenues, it may be good, but there is also social responsibility, since not all customers possess financial literacy", - concluded banker.
Sberbank planned to introduce overdrafts on debit cards, recalls one of the bankers: so the State Bank expected to earn percentage.
One of banking products is overdraft map Visa. from Sberbank. This is a specific bank proposal that allows you to simplify the commission of various operations. At the same time, overdraft cards have both supporters and opponents.
What does the Sberbank Overdraft Card mean?
Under Overdraft is understood by the overrun of funds stored on the client map. Translated from English the word "overdraft" is translated as "above the project" and means short-term creditwhich client banking organization can take advantage if necessary.
In fact, overdraft is a non-target loan, issued for a short (from several days to several months) a period of time. But despite a certain similarity, a loan and overdraft has many differences:
- overdraft size is usually small. Banks in their formulas estimate the customer's solvency and the frequency of receipt of amounts on the card by calculating the maximum limit amount;
- initiation of the issuance of an overdraft card often occurs from the bank, the issuance of the loan always initiates the client. At the same time, even if the client is executed overdraft card, this does not mean that he must use it. No penalties for non-use of proposed amounts are not provided;
- to make a loan, it is usually required to collect a large number of documents, the overdraft is often the "application" to the usual salary card.
Overdraft is the possibility of using funds over your own money stored on the client map. Roughly speaking, this is a kind of short-term loan.
Terms of provision of overdraft from Sberbank
The service of obtaining a card with overdraft from Sberbank is submitted under certain conditions:
- each client is provided with an individual limit to which he can count. Its dimensions depend on the level of income and ranges from 1 to 30 thousand rubles. Accordingly, the larger the amount of wages or other income of the client, the more overdraft, it can count on;
- for the use of overdraft amount interest is accrued. Their size depends on the currency card. For ruble cards, they make up 18%, for cards opened in dollars or euros - 16%. If the client violates the terms of the contract (in particular, in the event of a violation of the maturity time), then the amount of interest may increase, and almost twice;
- the term of repayment of a loan is short-lived - no more than two months from the start of using the limit. At the same time, interest accrual starts from the moment the use of borrowed funds.
Given the conditions for granting, you can allocate the advantages and disadvantages of overdraft.
Benefits Services
Fans allocate the following advantages of services:
- you can use the means at any time, and the execution of an additional contract is not required;
- money can be used both for non-cash payments and for cash withdrawal through an ATM or in cash;
- loan repayment is carried out automatically after another receipt of funds;
- you can use overdraft constantly.
The main advantage of overdraft is that the client has the ability to use the service at any time without issuing additional documents.
Disadvantages of services
The main disadvantage of overdraft is pretty high percentagesaccrued for using the service. Moreover, the preferential period for the use of the service is not provided.
Understanding that there is reserve money, contribute to the peculiar debt bondage, when part of the income entering the card, have to give the bank as interest for the use of borrowed funds.
In addition, sometimes terminals are shown not only personal funds The client, but also overdraft amount, misleading him.
Fund consumption should be monitored as much as possible so as not to fall into debt boalan.
How to make overdraft on Sberbank map
Overdraft service is not automatically connected. To take advantage of it, it is necessary to come to the Sberbank branch and conclude an additional contract. Most often clients stop on an overdraft map Sberbank Visa. Classic having a low maintenance cost and optimal services provided.
In order to obtain an overdraft card, it is necessary to have confirmation that the income level corresponds to the required minimum.
As confirming documents can be:
- certificate of salary from the place of work;
- availability of an open deposit account in Sberbank;
- open in Sberbank account.
If the client receives a salary on Sberbank card, then, as a rule, the bank himself proposes to connect an overdraft service. The constant enrollment of funds guarantees that the client will conscientiously fulfill the terms of the agreement.
So, the overall algorithm for the procedure for registration of an overdraft card from Sberbank is as follows:
- determining the level of income of the client;
- calculation of overdraft size, which can be proposed to the client;
- determining the amount of interest rates based on overdraft currency;
- definition of terms during which the loan should be repaid, the signing of the contract.
On the this moment Connect an overdraft service through personal Area In the Sberbank online system, through a mobile application, or by calling the operator, it is impossible.
The size of the limit Bank establishes based on the size of the client's income.
RESULTS
Overdraft card from Sberbank is a good way to get the missing amount without referring to help to friends or relatives. For the customers of the Bank, it will be quite easy to issue a similar service: it can be connected to a salary card.
In contact with
Odnoklassniki.
Sberbank customers began to complain due to the fact that the status of their debit cards in the mobile application of the State Bank was replaced by overdraft. Several employees of the Vedomosti, the status of cards actually changed.
Sberbank's call center worker told one of them that the application today works with a failure, because of this, some cards started displayed as overdraft: soon problems will be eliminated, and the cards will again be displayed in the debit status - the conditions of their service have not changed.
However, another employee of the Vedomosti in the call center was told that the display of debit cards as overdraft needed to work correctly with payments and translations. Moreover, there were no changes in service conditions, noted there.
An employee of the Vedomosti, which has a debit card of the beginning to be displayed as overdraft, wanted to pay for a large amount than there is on his map - it was not possible to do this, since the Bank refused to carry out payments due to lack of funds.
All Sberbank Cards Debit Overdraft, however, they are divided into cards with unresolved overdraft when the card cannot go into minus, and with permitted when the card can go into minus when buying, another call center employee told. The unresolved overdraft card can go into minus only subject to the write-off of the Bank's commission: for annual maintenance, mobile bank service, SMS alerts, if this service is paid. And for example, in the event of an arrest of bills, the interlocutor of the Vedomosti notes in the call center.
A credit card Unlike overdraft has a revolving nature - one can be in a minus as you like, fulfilling the condition of the contract, it reports. In terms of overdraft cards, it is possible to go into minus for a certain period - for 1 month, for example, or on 2. In this case, the technical overdraft is possible almost on all debit cards, it clarifies.
The difference between the credit card and the overdraft card is that they create a different behavior of customers, the top manager of a large bank reports. In the case of a credit card, the client is aware that it is not his means, and spends them more meaningful, he says. Difference credit card The fact that it provides for the minimum payment, repayment schedule and, as a rule, she has an interest-free period, bankers notes.
And when an overdraft is installed to the salary map, as a rule, in 2 salary, a person does not always realize that he left "in minus" and does not use his money, he clarifies. And notes that when the card with an already selected limit on overdraft comes wage, it is automatically written off at the repayment account.
The press service of Sberbank denies the information that appears in social networks about changing the conditions for servicing debit cards without notifying the client.
The bank said that in a mobile application, some debit cards were displayed all the time as overdraft - this is a technical need for correct work with payments and translations.
Perhaps some of the users paid attention to this only now, which turned out to cause panic.
In Sberbank, noted that overdraft on the map is possible only with the permission of its owner. An exception can only be technical debt, according to which the bank does not charge interest.
Overdraft is a crediting bank of the current account of the client with insufficient quantities or the absence of money on it.
"We receive many questions from you that we have changed the conditions for servicing debit cards and all cards acquired overdraft status. This is not true - it is impossible to spend more money on a debit card than you have. The exception is the technical debt, according to which Sberbank does not accrue interest. Ovyrafts on a map can only enable you yourself, not a bank.
In the mobile application Sberbank online debit cards are always displayed as overdraft. This is a technical need for correct work with payments and translations. Probably, some users have just paid attention to this, "Sberbank officially answered on the social network Facebook.
Many Sberbank customers did not like the fact that they have all the cards have become overdraft without their knowledge. we simple words Tell me what is overdraft on your card.
Among the banking products that appeared not so long ago, overdraft card. What does it need it, what benefits carry it to its client?
Overdraft. - lending already known customers for a short time, the conditions at the same time coordinate in advance with the borrower. Money is listed on the customer's current account. And then in the case of unforeseen expenses when own funds Lacks, can use to pay a bank loan, not referring to the office of the credit institution to sign a loan agreement.
The Customer's arrears that appeared is obliged to repay when Grace-period end, that is, a certain period established usually individually for each borrower. Given that Overdraft is offered only to constant and reliable customers, such a type of lending does not carry the bank of unnecessary risks.
Overdraft map of Sberbank
In the biggest russian bankserving and legal and individualsThe overdraft card is also offered. IN Savings bank Persons enjoying this type of lending:
- pay the interest rate, which is accrued on the amount of the loan;
- must return the funds taken usually during 30-90 days;
- can use the card for one year;
- may not have in this bank;
- high income has high income.
This kind of map of the Savings Bank issues to businesses to corporate clients, individuals who have any of, for example, salary, retirement or other.
Overdraft design
Overdraft service is not so simple, because the credit institution opens additional funding for those who are financially stable, has the status of a conscientious payer.
When making the bank employees take into account the amount of revenues to the expected borrower in the past three months - it is from this that the amount of limit on the map will depend on it. In addition, the fact of revolutions of the client in accounts in other credit institutions also affects the limit value. Sberbank may be reviewed both in both more and in a smaller side of the loan amount and in unilaterally Reduce or increase it.
Legal entities In order to take advantage of the service overdraft, the following documents should be provided in Sberbank:
- application for credit;
- applicant's questionnaire and passport;
- certificate of registration of the company;
- copies of the charter and constituent documents confirmed by the applicant's legal capacity;
- documents indicating the amount monetary turnover firms;
- financial reports at the last date.
Application for the connection of the overdraft service is usually considered For 8 days. But overdraft itself is connected in three months - at this time the savings bank analyzes cash arrivalsenrolled at the expense of a potential borrower and decides which maximum limit It will be over his overdraft map.
Stable business owners can take advantage of express overdraft"Under simplified conditions.
At the end of the necessary formalities, funds will be credited to the borrower, which will be evidenced by the activation of the overdraft card. Legal entities pay the bank for this service Commission in the amount of from 7500 to 50,000 rubles, the rate is 1.2 percent of the overdraft limit.
What is the difference between overdraft from a debit card?
Debit card It is intended to use only the client's personal funds, with their shortcoming the user of the map for no circumstances can I spend more money than it is on his account. A debit card does not have a negative balance. She also has no restrictions with cashless payments, fines, payments for rendering communal services. Its main purpose is the ability to replace cash with the opportunity cashless payment. From a debit overdraft map you can remove cash without any commission.
Credit card It has credit bank credit banks, convenient for those who make money in time without excellence.
She presupposes grace period Use: During 55 days From the moment of payment using the Card, the borrower uses bank fundswithout paying for it or a penny. The Bank does not take the commission only with non-cash payments, no cash withdrawal is provided. A debt on the map can be independently extinguished by parts, paying only interest.
Overdraft map It is interesting that the possibilities of a debit card and credit are connected here: it stores personal funds on it, using them without restrictions, but if necessary, can use the funds of the credit institution. This map It is distinguished by the fact that interest for the use of funds are accrued immediately, as they will be removed; She does not have a grace return period.
- Limit cards for solid entrepreneurs does not exceed 17 million rubles., for individuals - no more 30000 rubles.;
- The card has a fixed payment period of debt, but still it can be considered only a safety policy on an unforeseen case when an ambulance needed in cash that the borrower is ready to return the jar for a short time.
Overdraft for individuals
- Savings Bank provides overdraft service to those who participant salary project, Pension Recipient in a credit institution. Usually the limit of such a card for individuals begins from 1000 rub. And does not exceed 30000 rubles.
- From the borrower, the credit institution needs only a passport of a citizen Russian Federation, Application for the service.
It happens that Sberbank requires another document that can certify the identity, for example, a military ID or driver's license; Help about his income.
Repayment of debt on the map
Overdraft card arrears can be paid in two ways:
- from the Customer's account, Sberbank writes off automatically cash In the amount that is required to pay off the loan and accrued interest (the interest rate is from 18% per annum);
- partial debt repayment occurs when taken into account financial condition client.
It happens that the borrower exceeded the permitted overdraft limit. In this case, the Bank has the right to increase the interest rate for this client, right up to 36% annual.
Obvious: This service is not entirely beneficial to borrowers - interest rates by this type The loan is quite high in comparison with other types of loan. And with large purchases, it is wiser to give preference or consumer credit or credit card.
Disconnection of overdraft in Sberbank
IN lately Sberbank, making up any debit cards, activates the overdraft service with them. As a result, the user is a debit card to use and credit funds Bank when shopping, naturally paying for the percentage granted. But whether they always need a loan, which may not be included in the client's fees.
How to disable
- If the contract is already signed, then it is almost impossible to get rid of this service.
- In order not to pay interest on overdraft, you can simply not use credit resources, preventing a negative balance.
Another option: When making a debit card, when short-term lending is installed automatically, the limit on the map is zero. Without the consent of the client, the Bank cannot make an overdraft limit large, in any case, so positions the service of Overdraft Sberbank himself.
However, since the summer of this year, many clients of the most mass bank of Russia show discontent due to the fact that overdraft service appeared on ordinary debit cards, without any notice from Sberbank. The credit institution does not recognize the fact of connecting the service to debit cards, explaining that this is currently impossible, such an option has not existed from December 2016.
