We issue youth credit cards: Sberbank of Russia

The problem of shortage of money for youth, which has been recently solved, is very simple. Previously, very many banks issued loans only when the borrower reached the age of 25 years. Now this bar is lowered, and credit funds can be received already in 18 years. At the moment, various banks offer a youth loan, which is characterized by a not too high amount, but it is enough to buy a new phone or a stylish blouse. Typically, banks offer a variety of programs, such as making a loan for credit cards. Virtually all credit cards unites one important property - they have a grace period in which previously withdrawn funds can be put on the card without an overpayment for interest. Also, almost all cards have very low annual rates.

Youth credit cards

Sberbank of Russia became the first financial institution to take care of the financial future of our youth. It was he who first understood the benefits of this enterprise, besides all the conditions for granting such loans he had. Who can get credit cards? Sberbank of Russia will be glad to provide its services to any Russian citizen. But each program has its pros and cons. All the necessary information concerning an institution such as Sberbank of Russia (credit cards, conditions, etc.) can be found on all sorts of information resources. And you can go to the nearest office, where the bank staff will answer all your questions. But, in principle, the conditions for obtaining a loan are the same in many institutions. And yet we pay attention to some of the nuances.

How to get credit cards? Sberbank of Russia puts forward the most simple conditions

To obtain such a loan, the borrower's age must be between 18 and 30 years. In addition, an obligatory condition is the provision of certificates of income, confirming the solvency of the client. For this, it is not necessary for young people to have an official place of work, you just need to go to the dean's office and take a certificate of scholarship for the required period. This will be a guarantee of repayment of loan funds to the bank.

The card is valid for three years, after which you can either discard it, or order a new one. In case of timely repayment of debts, the bank can raise the credit limit or somehow reward the borrower in another way. Such a promotion can be a gold credit card of Sberbank of Russia with a high limit and low interest, it is issued after the expiry of the usual credit card. The limit of the card does not exceed 200,000 rubles, but for the beginning, as a rule, a loan of 3,000 rubles is provided. Everything depends on the size of the scholarship - for students - and on the income level - for a person over 24 years of age. The annual interest rate is 24% plus 750 rubles per card service per year. But there is also a positive moment - a grace period of repayment (50 days).

We issue credit cards. Sberbank of Russia: advantages

This type of program is especially good when you have to pay in boutiques and supermarkets, because the commission for this calculation is not charged. While the withdrawal of bank credit through ATMs is usually accompanied by a 3% commission. Youth credit very much helps eternally poor students, and the bank in any case gets its interest, even if low. Therefore, after Sberbank, many commercial banking structures also launched credit card lines exclusively for young people. Thanks to today's diversity, young people now do not have to manage only Sberbank. They can choose the best option and order a card in a financial institution they like.