When choosing the best credit card, it is recommended to consider the Credit Momentum card. The card provides fairly loyal conditions compared to other credit offers. Repayment of Momentum credit cards at Sberbank will be discussed in detail in this article.
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Unnamed credit cards Momentum in Sberbank
Sberbank credit card Credit Momentum is serviced free of charge. To date, there is no fee for registration or further maintenance. In addition, the accelerated registration procedure takes no more than 15-20 minutes, because the name of the cardholder is not written on the card. That is why it is issued at the time of application.
Advantages and disadvantages
Among the main disadvantages are restrictions on withdrawing money abroad and making purchases on the Internet. More details on the page .
The amount of credit on this card is not more than 600,000 rubles. This criterion is set in accordance with the parameters of the potential borrower. For example, you can count on loyal lending conditions at Sberbank in the case when you already have experience working with a bank:
- debit card account;
- deposit;
- salary card;
- social card (pension);
- mortgage;
- car loan;
- non-purpose loan.
You can count on a personal offer on the conditions for issuing a card. As a rule, the bank notifies about it independently.
How to apply for a Visa and MasterCard Momentum credit card at Sberbank
The procedure for issuing a Momentum card follows a simplified scheme. That is, it is not necessary to provide written confirmation of real income and the signatures of a number of guarantors. To receive a credit card, it is enough to present an identity card. The only requirement is that the passport must have a registration mark in the region where the branch of Sberbank is located.
Visa and MasterCard Momentum cards have an annual rate of 23.9%.
In some cases, you may need documents from the place of work, which confirm the employment of the borrower for the last five years or 12 months. If such a certificate or work book appears during registration, one can hope for an increase in the limit size or a more promising percentage at the rate.
The external design of the Momentum card is no different from other Sberbank cards, except that the user's last name is not written on it. In addition, the cvv2 / cvc2 code may not be registered either. Therefore, if you plan to conduct financial transactions via the Internet, this code must be requested in advance during the Momentum registration process.
Not all online sites and stores work with unnamed cards.
The procedure and conditions for repaying a loan of an unnamed credit card
Repayment of a loan on Momentum credit cards at Sberbank provides for the following nuances:
- from the moment the loan funds are used, 50 days are provided to return the amount without interest;
- after 30 days, you will receive a notification of the amount of the existing debt. It can be returned within the remaining 20 days without interest;
- after 50 days, interest will accrue on the remaining outstanding amount;
- a report will come every month, indicating the debt and the accrued rate, as well as the amount that can be returned without interest.
Loan payment procedure
You can deposit money in different ways:
- using the terminal;
- by transfer from a debit card;
- transfer from a private person to a current account;
- deposit money through the bank's cash desk;
- using the Sberbank Online and Mobile Banking.
These transfers allow you to pay bills, transfer money to electronic wallets, make regular payments, you can automatically. Plus, you can control the balance on the account, get information about the latest transactions, track the debt and the amount required to pay it off.
The conditions for obtaining a statement on the Credit Momentum card from Sberbank are as follows:
- the report is sent to the email address once a month;
- notifications about replenishment and expense on the account;
- the possibility of independently compiling a statement in the online bank;
- balance request, detailed history of actions, etc. via Mobile Bank or Contact Center .