How to close the "Svyaznoy Bank" card: the difficulties you can face

When the bank card expires, it must be returned to the bank. But most often people throw it away as unnecessary. If such a focus passes with a debit card , then you can not do so with a credit. All this is due to the fact that the procedure for closing the credit card has a number of subtle points that must be observed. Otherwise, you can remain a debtor and spoil your credit reputation. Below, we will describe in detail how to close the "Svyaznoy Bank" card, and point out the difficulties that may arise during this procedure.

Action 1. Debt repayment

Some clients of Svyaznoy Bank open a credit card just like that - "and suddenly it will come in handy." But it did not come in handy, and as a result, she lay idle. The client is calm, he thinks: if he did not use it, then there should be no debt. However, not all so simple.

1. The debt can appear at the expense of the annual commission for its maintenance which is raised even in the event that the card has not been activated.
2. You could, when registering a credit card, connect any paid service, for example, information via SMS or life insurance. The commission for SMS-notification is charged monthly. And as for the insurance premium, it is written off at the beginning, just a year ahead.

So, it turns out that even if the card was never used, a debt could appear on it. Therefore, before you contact Svyaznoy Bank (close the credit card), you must first find out the debt on it. To do this, you can take a certificate on the status of loan debts at the bank's office. In addition, information about the debt can be found through the Internet bank or ATM.

If there is a debt on the credit card, then it must be paid off. How to close the "Svyaznoy Bank" card, if the balance of funds on it, on the contrary, is positive? In this case, you need to withdraw excess money, since for closing the balance must be zero.

Action 2. Application for closing the card

We look further at how to close the "Svyaznoy Bank" card. The procedure includes the following step: writing an application for closing an account. In addition, you must also write an application for the disabling of additional services, if they were connected. Do not forget to attach the card itself, which must be destroyed by the bank's employees in your presence. Do not expect that it will cease to be effective on the day of treatment. Most banks take about 45 days to implement this procedure, including "Svyaznoy Bank." How to close the card in other ways - can tell the staff of the bank.

Step 3: Obtaining a Certificate of Support

If you have already decided how to close the "Svyaznoy Bank" card, then upon the expiry of 45 days of applications, it is recommended that you apply again to the bank. This time already for a certificate that confirms the fact that your card and credit account are closed, and the bank has no claims to you. Such a certificate is necessary for insurance. Often there are situations in which even when the debt is repaid and after the application is submitted, calls can be received with the demand to pay off debts.

Still need to pay attention to the date when the card expires. Expiration of the term does not mean termination of operations on it. "Svyaznoy Bank" will continue to charge commission on it for annual service and related services. Therefore, we recommend to monitor the expiration date of the card, even if you do not use it, and close it in time to avoid unpleasant surprises.

What other options are there?

How to close the "Svyaznoy Bank" card if you are outside our country? In this case, the service of temporary suspension of the credit card will help you. To do this, call the Svyaznoy Bank hotline. Further actions advise the consultants. This service will be especially appropriate when you lose or steal the "Svyaznoy Bank" card.

How to close the card forever without personal presence in the bank office? If you are sure that there is no debt, you can use the Internet banking system. To do this, you need to fill in all the required fields in the "Close Account" section, after which the account will be closed forever. The application submitted through this system will also be considered within 45 days.