Russian Standard Bank closing a credit card. Is it possible to close an unactivated credit card? Closing an Alfa Bank credit card

As of 2016, credit cards remain one of the most popular products among Russians. And this can be easily explained: cards are the only product for which banks are willing to provide a grace period for using funds. The card is fairly easy to obtain and makes an excellent “spare wallet.”

One of the leaders Russian market credit cards are provided by Russian Standard Bank.

What credit cards does Russian Standard Bank offer to its borrowers, the conditions for issuing cards, how to get them, reviews on whether it is worth using its products, you will find out by reading this article.

Bank product line

Let's see what Russian Standard offers its clients, and how much it will cost to issue and service a credit card from this bank.

• "Russian standard". The limit is up to 150,000 rubles, the cost of issue is 900 rubles, annual maintenance is 3,000 rubles.

  Rate – from 21.9% per year. The minimum payment is 10% of the debt amount.

• Visa Classic/Mastercard Standard. The credit limit on the Russian Standard Classic card is from 30,000 to 299,000 rubles. Issue fee – 900 rubles (main card), 450 – additional. Annual maintenance – 3,000 rubles.
• Visa/Mastercard Gold. Limit up to 299,000 rubles. Issue price: 3,600 main card, 1,600 additional card. Russian Standard Gold credit card service fee – 3,000 rubles. Loan rate – from 29%.
• Miles&More Visa Signature. Limit up to 1,500,000 rubles. Interest on the loan – from 29% per annum. Issue and maintenance of the main card – 10,000 rubles, additional – 5,000 rubles

American Express (line):

• Classic. Limit from 30,000 to 300,000 rubles. Issue fee - 1500 (basic credit card), 500 rubles - additional. Insurance against card fraud will cover up to 1,000,000 damages.
• Gold. Issue fee 4600 (basic), 2600 - additional credit card, interest rate on the loan 28%. Basic conditions are standard.

As a rule, most often the bank approves the classics - “Russian Standard” and MasterCardClassic, with a limit of up to 300,000 rubles.

Now let's talk about how to get a credit card.

Stage one – filling out the application. This can be done on the website (for a number of credit cards), or at a bank branch. To fill out the application, you will need information from your general passport and additional documents.

IT IS IMPORTANT TO KNOW! The official website of the bank is www.rsb.ru. You should not fill out applications on lead generator sites if you do not want to ruin your credit history with mass applications.

In a full application Passport details must be indicated. You will receive an answer on it no later than in 30 minutes, since the site has a built-in client verification system (scoring).

The card will be delivered to the branch you selected when filling out the application., you will learn about its readiness from an SMS or a call from the manager. The production time for a personalized card does not exceed 14 days. You can get an instant credit card on the same day.

A card pre-approved by the bank can be delivered to you by mail. You only need to sign it (without this it is invalid) and activate it - at the bank’s ATM, or by calling the contact center. Delivery usually depends on your region of residence and takes no more than 20 days

Be careful when filling out an application on the website, as incorrectly provided data may lead to refusal.

Do you know how to use the grace period of a Sberbank credit card? We'll tell you the details!

Recipient requirements

Russian Standard has several conditions, without complying with which you will definitely not be able to get approval. In particular, this is a requirement for the package of documents presented during registration.

Despite the fact that there is a common opinion on the Internet from somewhere - to get a Russian Standard card you only need a passport and any other document, everything is far from so simple.

First, the bank usually does not approve applications from persons who are not its clients. If you took out, say, a trade loan, and successfully repaid it– the system most likely already has a card with a pre-approved credit limit in the system.

Secondly, if it is not there, and you are not a client of the bank, be prepared to show documents confirming your income. Moreover Russian Standard is usually not interested in your 2-NDFL certificate.

Only:

• voluntary health insurance policy valid at the time of application;
• document on ownership (house, garage, land plot, room or apartment);
• a foreign passport with marks of border crossings within the last 6 months;
• salary or debit card account statement;
• document for the car (PTS or STS).

The basic requirements for the borrower are quite standard:

• age from 25 years (strictly!), not older than 65 years;
• Russian citizenship;
• Availability permanent job(checked by calling the employer);
• work experience of 6 months last place work (usually not checked very meticulously);
• absence of overdue loans reflected in the Equifax and Russian Standard financial information systems.

Withdrawing cash from a credit card, how much does it cost?

Credit cards are more focused on non-cash transactions– they cost the user several times cheaper than withdrawing cash.

But it is not always convenient to pay for some purchases with a card. Therefore, the borrower is faced with the question: how to withdraw cash, and how much does it cost?

The last question is logical - no lender offers free cash withdrawals from credit cards. A certain percentage is always charged for the use of borrowed funds.

Russian Standard also does not spoil its borrowers. Cash withdrawal, although possible, is not particularly profitable. Firstly, there is a limitation for all types of credit cards - during a calendar month you cannot cash out more than 50% of the limit amount. Secondly, using borrowed money is not cheap (although Tinkoff is far ahead of all its competitors in this matter).

When withdrawing funds from your own Russian Standard ATM you will be charged 4.99% of the withdrawal amount. For withdrawals from ATMs of other banks, the commission amount is the same.

Removal procedure is standard– for this you only need a valid PIN code and the card itself. The credit card is inserted into the ATM, the PIN code is entered, and after that you can check the account balance and select “Cash Withdrawal” in the menu. All you have to do is enter the required amount and wait for the ATM to dispense money.

It is better to keep receipts for all transactions through an ATM (cash withdrawals and deposits).

How to close an account correctly and not be left in debt

This is a common problem. A man took out a credit card, got tired of using it, closed it - but for some reason he still owes it to the bank.

AND As a result, he is in arrears, which prevents you from taking out a new loan on more favorable terms. This happens because only the card was closed, but the account to which it was attached was not closed.

And the lender continues to charge interest on it(if there was a debt of at least 10 rubles on the account), or a fee for its maintenance.

How to refuse a credit card correctly? Firstly, if you have not activated the card, you can simply wait six months - and it will be automatically canceled. You will not owe anything to the Russian Standard, since no transactions were carried out on it.

Secondly, if the credit card is active and has been used, you need to go to the branch, take an account statement and pay off the debt in full. It is advisable - through the bank's cash desk, since excess funds deposited in reserve will not allow the account to be closed, and as a result, penalties and maintenance costs will be charged to it.

Having topped up your account through the cashier, you must write a statement about its closure. The manager is obliged to accept it, carry out the necessary operations in the system and close the account.

You should be notified about the latter. After this, the card is destroyed in your presence.

You must keep the paperwork confirming the closure of your card and account.

Customer opinions

In this section, we have collected reviews from those people who are already actively using Russian Standard credit products.

Marina, 30 years old, MasterCard Classic

“The bank sent me a card after I successfully repaid my trade loan. The contract specified 23% per annum. I withdrew the money, paid the minimum payments for 2 years, and when I came to the bank to close the card, I found out that the actual interest was about 50%, and I owed another 56,000 rubles.”

Timur, 27 years old, Visa Gold

“I’ve been using a Russian Standard credit card for a long time, and overall, I’m happy with everything. The main thing to remember is that you cannot pay off the debt only with minimum payments, they go towards paying off interest, and the principal debt almost does not decrease. If you use the grace period, then it generally turns out beneficial.”

Irina, 42 years old, MasterCard Classic

“I took out a loan to pay for my daughter’s operation. I’ve been paying off the debt for 5 years now, but the good news is that you can extend the validity of the card and use the funds again if the limit is filled. This allows you to use it without much damage to your budget.”

Natalya, 27 years old, MasterCard Classic

“The bank sent the card after repaying the loan for the phone. At first the interest rate scared me and I didn’t use it, but then I needed funds for my wedding. I completely restored the limit with the donated money, and continue to use it during the grace period. Otherwise, I consider using such a credit card unprofitable.”

So, you have learned everything there is to know about Russian Standard credit cards, and now the main question remains - to take it or not to take it? Here we can give only one clear advice.

If everything is in order with your income confirmation, and you can wait a while, it is better to apply for a card at Sberbank or Avangard, where the interest for using the credit line is lower and the conditions are more transparent.

The main disadvantage of RSB credit cards is high interest rates, some of which are hidden. If you do not have an official certificate of income, or you are sure that you will be able to repay the debt during the grace period, then “RSB” is quite suitable.

In contact with

A modern person uses a bank card at least a couple of times a week to pay for purchases in a store or make some kind of non-cash payment. This is profitable and convenient, so many people have more than one credit card in their wallet.

But there comes a time when there is no longer a need to use the card and the person wants to get rid of it in order to no longer have any debt obligations to financial institution. Let's talk in more detail about how to close credit card Russian standard and permanently terminate relations with the bank.

Hand over your plastic card to the bank

To understand the algorithm for closing an account, you need to study loan agreement, which clearly states that the owner of the card is the client, but still the credit card belongs to Russian Standard Bank. So you can't just throw it away.

If we are talking about a salary card that can be forgotten or lost somewhere, then you just need to block it and no one else owes anyone anything. This number will not work with a credit card. Its service has some features that you need to know about.

First of all, this is connected SMS information, interest calculation and other paid services, which must first be disabled and only then can you close the card. Therefore, the process of closing a card should consist of a sequence of actions by the borrower.

No debt on the card

It will not be possible to close a Russian Standard bank card if it has even a minimum debt amount of a couple of rubles. A negative balance may cause interest to accrue, which will primarily affect the client himself. So it is in your best interest to contact a bank branch, where you can obtain an account statement and find out the amount of debt (if any) under the credit line.

It is best to get this information from different sources:

1. First, take a receipt from the ATM with information about the amount of debt and the card balance.
2. Then contact the Russian Standard Bank hotline and clarify the necessary data there.
3. After this, you can grab your passport and go to the bank branch.

This will take time, but it eliminates the possibility of error. In any case, you will have reliable data on how much the client owes to his financial institution.

Now about how to close the Russian Standard card. Contact the branch where you received the credit card and write an application there, the form of which can be obtained from a bank employee. The card is submitted along with the application. In general, if you have no debts, a bank employee should immediately destroy the plastic in front of you by cutting it with scissors.

Do not be afraid to show some meticulousness in credit matters, which can be fraught with large expenses. It won't be superfluous. Take a copy of the document from the bank employee stating that the credit card is closed. If there are debts on the card, they must first be repaid in any convenient way.

Paying off debts and closing a credit card

This must be done on the day when the amount of the debt was clarified. This is due to the fact that the interest for the borrower was calculated exactly on the current date, and if you pay them off after 3 days, the final amount may be completely different. If you do not pay on the card, the amount of interest and fines will only accumulate, which will ultimately lead to the fact that the borrower will not be able to pay the lender at all.

Card closure deadlines

Get ready to wait, the procedure for closing a Russian Standard bank card can take about 60 days. After this period, the agreement will be terminated and any relationship between the bank and the client will cease.

Deadlines for returning the balance on the card

If there were no debts on the credit card balance, but only some own funds, and the borrower did not withdraw them from an ATM - you will also be able to get your money in 2 months, when the contract is terminated.

Always ask for a certificate of debt repayment and account closure from a bank employee. Additionally, control the disabling of all paid services such as mobile banking or SMS notifications.

If the card expires

We considered the option when the client himself decides to close the account and no longer use plastic. If your credit card expires, you should not assume that you will no longer have any relationship with the issuer. The account will still remain active and interest will be accrued periodically on the negative balance.

Therefore, Russian Standard Bank must be notified in advance that the credit card needs to be reissued. Usually in this case there is no need to pay for re-registration, but the annual maintenance fee will be charged according to the standard scheme.

If for some reason you do not want to reissue the card when its expiration date has expired, you will need to notify the bank one month before the expected expiration date. As you can see for yourself, there are no difficulties.

Finally

A credit card can be an excellent tool that makes it so easy to pay for goods or services. The algorithm for obtaining plastic is different for each bank and often you even have to get a card with a large credit limit and low interest rates.

She will simply be a godsend in difficult times, when financial problems arise and there is no one to ask for help. But you shouldn’t take money lightly, because if you don’t control expenses on the card, you may bitterly regret that you ever received a credit card.

For some reason, people don’t take card closure seriously. But there is nothing complicated here at all, the main thing is to know what problems may arise in the process and how to resolve issues of credit card debt.

Remember that in any case, you will need to have a copy of the document on hand, which notifies you that you have no remaining debt obligations to the bank. In the event of a controversial situation, having such a certificate will play into your hands and you will not have debts to the financial institution.

Check out bank offers

Cashback card in Rosbank

Apply for a card

More about the map

• Cashback up to 7% - on selected categories;
• Cashback 1% - on all purchases;
• Bonuses, discounts on goods and services from VISA;;
• Internet banking – free;
• Mobile banking – free;
• Up to 4 different currencies on 1 card.

Card from Unicredit Bank

Apply for a card

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• Up to 5% cashback;
• Cash withdrawal without commission at partner ATMs;
• Card maintenance is free;
• Internet banking – free;
• Mobile banking is free.

Card from Home Credit Bank

Apply for a card

More about the map

• Up to 10% cashback with partners;
• Up to 7% per annum on account balance;
• Withdrawing funds from ATMs without commission (up to 5 times a month);
• Apple Pay, Google Pay and Samsung Pay technology;
• Free Internet banking;
• Free mobile banking.

Debit card from Alfa Bank

This article will talk about early repayment of a loan from Russian Standard Bank. The conditions and procedure for early repayment will be considered. Full and partial early repayment, repayment methods and insurance will be discussed. You will be able to understand whether it is worth paying off early.

Conditions for early repayment at Russian Standard Bank

At Russian Standard Bank, early repayment of loan debt is carried out in accordance with section No. 5 of the Loan Conditions. Let's consider the main features of partial and full early repayment for contracts that were concluded from July 2, 2014. Let's start with the fact that clause 10.1 guarantees the right to early repayment to each bank client.

At the same time, clause 1.18 of the loan conditions indicates that in certain cases, which will be discussed below, the client must notify the bank of the decision to close the loan agreement early with a written statement, which can be provided either in person or sent by mail, or using courier services. In this case, the borrower assumes full responsibility for the timely delivery of this notice to the bank.

Within 30 calendar days from the date of issuance of the loan, the client has the right to repay early the entire principal amount or part thereof without prior notice to the bank. Thus, the client simply deposits the required payment in full into the account. And the notification indicates any repayment date, but taking into account that it fits within the period: the day the credit institution received the application and until the thirtieth day, starting from the date of the loan.
To repay the principal amount of the debt after 30 calendar days from the date of issuance of the loan, Russian Standard Bank provides the following procedure (Partial early repayment):

• written notice of early return the loan is submitted by the borrower to the bank no later than thirty days before the repayment date indicated therein;
• then the amount is deposited into the account Money, which is noted in the notice.

If the date of repayment of the debt and the date of the next payment coincide, then the amount placed may not be enough to pay the commission for cash settlement services. find out exact amount return from a bank employee, otherwise such payment will subsequently be considered unpaid under the terms of the agreement.
Commissions for early repayment at Russian Standard Bank on this moment not provided.
Loan repayment amount early repayment, calculated up to and including the date of the next payment, includes the following parameters:

1. Principal debt on the loan;
2. Interest charges;
3. Bank service commission (BSC);
4. Penalty and missed payments.

In case of partial early repayment, the borrower is provided with a new payment schedule.

Methods for depositing funds in case of early loan repayment

Russian Standard Bank has a large number of methods of making payments, which differ not only in the timing of crediting to the account (instantly or within several days), but also in the presence of a commission.
Free payment methods:

1. through the bank's cash desk, funds are credited no later than the next business day;
2. ATM, crediting on the day of payment (until 19.00);
3. debiting from the “Bank in your pocket” card, funds are credited to the account instantly.

Other payment methods:

• via Internet banking, the amount of commission depends on tariff plan, enrollment up to one working day;
• through the accounting department, carried out at the place of work, funds are credited from 1 to 3 working days;
• through terminals, funds are credited on the same day, the commission ranges from 1 to 1.6%, but, as a rule, not less than 50 rubles.
• postal transfer, commission 1.5% of the payment amount, credited to the account up to 10 working days;
• bank transfer, commission depends on the sending bank, funds arrive in the account within a few business days;
• using a mobile phone, SMS message, the amount of the commission depends on the mobile operator (MTS - 2.5% and Beeline - 2.99%), if the payment is made before 20.00, funds are credited on the same day;
• CONTACT system, commission is 1% of the amount, funds are credited on the same day.

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Recently, getting rid of a credit card has become even more difficult than getting one. It is worth considering that closing a card may be accompanied by a number of problems. When it comes to loans, it is not enough to simply pay off the debt and simply get rid of the plastic media.

The fact is that the bank, after some time, may demand to pay off the debt that arose as a result of a commission not paid on time or some long-standing delay. Therefore, it is best to strictly follow the procedure for closing a credit account on which additional credit options were opened.

General requirements for closing credit cards

The main requirement that everyone makes banking institutions in order to close a credit card, you must fully pay off the debt, which includes all interest, fines, commissions and penalties accrued at the time the application to close the card was submitted.

And, as a rule, it is at this stage that the borrower faces a lot of problems. Some believe that it is enough to simply pay off the loan, others try to independently calculate the required amount to repay the debt, and others simply forget that there are always constant payments debited from the loan account. And the most interesting thing is that it is enough to make a mistake of even a few kopecks and a small debt will form, which will gradually accumulate fines, which will lead to a refusal to close the credit card.

Among other things, it is necessary to take into account that the bank will consider the application for closing a credit card for at least another 30 days. The credit card is submitted to the bank along with the application, because the card is bank property and must be returned. The bank will destroy the card and its owner will be informed about this.