If a card account is opened with Sberbank, it is necessary to regularly monitor its status. There are situations in which the account balance becomes negative. In this article, we will consider the main reasons why there is a negative balance on the Sberbank card, as well as possible solutions to this problem.
Content
Reasons for a negative balance on a Sberbank credit card
If you have a negative balance on your credit card, you may have an outstanding debt to the bank. Having issued a loan, you can return the loan funds within 50 days and then you will not have to pay interest on the loan. If the payments are not made on time, the bank provides a fee for the delay. Hence, a negative balance is formed on the card. The bank may limit the possibility of using credit funds until the client repays the debt. In addition, negative debt will grow, because it will add a penalty for delay, as well as the cost of servicing the loan.
Negative balance on debit card
If a debit account is opened with Sberbank, there are several reasons for the formation of a negative balance:
- the card is not used, but the bank carries out automatic debiting for servicing;
- certain banking services are connected, for which a fee is charged, even during their inactivity;
- write-off of funds from the overdraft.
Possible reasons for a negative balance on a bank card
Very often there are situations when a balance with a minus is observed on a salary card. This can happen if the client immediately withdraws the funds to the account in full. In this case, the bank has nowhere to take funds for using the service. The cost of the service varies depending on the type of bank card:
- Classic card - 750 rubles;
- Classic card in the original design - 1250 rubles;
- Gold card - 3000 rubles;
- Platinum card - 10,000 rubles;
- electronic cards - 30 rubles;
- youth cards - 150 rubles;
- virtual cards - 60 rubles;
- Aeroflot cards - 900 rubles;
- cards Give life - 1000 rubles.
In the event that the size of the negative balance is equal to the amount that is charged for using the services, there is nothing to worry about. At the subsequent cash receipt, the fee will be charged by the bank automatically and the debt will be canceled. It should be remembered that some cards do not provide for withdrawing money for services. These include Instant and Social cards. This issue should be given special attention.
A negative balance can be formed through the use of paid services, for example, Mobile Banking. Payment is 30-60 rubles. However, this is unlikely to lead to a large negative balance: if the service is used and paid regularly, the payment is charged automatically at the next replenishment.
Why is there a negative balance on the Sberbank card if services are not connected and the card is not used? The fact is that Sberbank continues to write off monthly funds for servicing the card. Therefore, in a few years, a fairly large amount of debt may form on the card.
If there is no desire to use the card, it must be closed as soon as possible.
Minus on the card as a result of a bank system failure
As practice shows, a negative balance on a card can sometimes be the result of a technical malfunction of the banking system. Only a bank employee will be able to determine this, who will correct the mistake and close the debt. You can understand the situation using online banking, by independently viewing the financial transactions on the card. If unknown transactions are suddenly detected, you should immediately contact the bank or call the hotline and block the card.
Debt resulting from the use of an overdraft
An active overdraft is another reason why a negative balance is possible on the card. As part of the overdraft, you can use bank credit money. They are debited from the salary account, however, many people forget about the available amount and spend more money than is available in the account. Interest is accrued on the amount spent from the first day of activation of the service, so you can very quickly find yourself in the red.
If there is no urgent need for an overdraft, it is better to refrain from connecting it.
It is important to know all the features of an overdraft, and only then activate it. If a negative balance has formed on the card, there are several options for repaying the debt:
- depositing cash into your account through a bank cash desk;
- depositing money through the terminal;
- money transfer from another card;
- receipt of funds from individuals or legal entities to the account.
What is the right thing to do in such a situation?
If you know the reason why there is a negative balance on the Sberbank card, then you need to replenish the balance as soon as possible.
If the reason is not clear, it is best to go to the bank branch and ask to clarify the situation or call the Sberbank Contact Center .