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Date: 7 months ago   Category: Finances

Low demand. Sberbank refuses cards with an overdraft


The bank will close an overdraft on debit cards by the end of 2018. As expected, credit cards have to replace them. As far as it is favorable to clients? Photo: Kirill Kukhmar / TASS Sberbank plans to close an overdraft on debit cards. The press service of credit institution reports about it. The main cause of failure — low demand of service. Overdraftovy cards completely will replace credit. For their users the grace period up to 50 days and as note in bank, more convenient scheme of repayment of debt works. The director of Fitch Ratings rating agency Alexander Danilov considers that it isn't really favorable to use maps with an overdraft for clients of banks in principle. — It seems to me, for clients it is a little complicated product. For example, if the client takes the credit card, then he understands that it will be borrowed money. If it is the debit card, then he understands that it is his money. Here a certain symbiosis, people not always understand: all of them still use the money or already overdraftit what, respectively, from them the commission for use of money has to be taken for. That there were no situations when it is unclear that it, have decided to divide and make the proposal, more clear for clients. — I correctly understand that, unlike the credit card which has, as a rule, the term of interest-free use the overdraft is a service for which cost is charged from the moment of use? — In principle yes. I, frankly speaking, don't know precisely a detail of the offer of Sberbank, but in principle it so. At once the counter turns on. Debit cards of Sberbank with an overdraft will operate until the end of 2018. To add BFM.ru to your sources of news?

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