The question of how to close a credit card issued in the territory of the Russian Federation is regulated by Article 859 of the Civil Code. According to the current legislation, the bank account agreement is terminated at the request of the client, and the termination of the transaction is the basis for closing the account (clause 4 of article 859 of the Civil Code). The main thing is to provide for the absence of debt and paid services that contribute to the emergence of new obligations to the bank.

Basic rules for closing a credit card

The need for mandatory closing of a credit card arises in the absence of an intention to use it for its intended purpose, obtaining a new loan or refinancing a loan in another organization, theft, loss of plastic.

If the payment instrument remains active, the issuer continues to calculate the cost of annual maintenance, Internet banking, SMS informing, interest on the balance, insurance. The lender also has the right to charge a service fee for the instrument or automatically reissue new products that will be stored in the branch.

All issues related to closing a credit card are resolved at the financial institution that issued the payment instrument. The first step is to find out the amount of the debt using self-service devices, a free consultation at a call center or bank office.

Having received a certificate of the state of debt on the account, the borrower draws up an application for termination of the loan agreement. The application form can be obtained at the branch of the issuer's bank where the product was received or the company's website. When submitting an application to the managers of a financial institution, it is important to request a copy of the document with bank notes that the document was received by the creditor.

Returning the plastic to the bank, an employee of the organization cuts it into several parts in the presence of the client. If the magnetic stripe is destroyed, the product can no longer be used.

In case of loss of the product, employees of the financial institution will offer to write a corresponding application. A confirmation of the fact of closing the account, the absence of obligations to the bank is the corresponding certificate. Closing a credit account will take a maximum of 60 days.

The length of the term is caused by a delay in payment transactions. For example, payment for purchases through POS terminals will be reflected in the account statement in 3-5 days, commissions and interest for using the loan are unloaded on the last day of the month. How to properly close a Sberbank or VTB Bank credit card will be described in detail below. And if a person loves gifts, then you should connect

Close the Alfa Bank credit card

Alfa-Bank credit card blocking is carried out at the nearest branch of the company. The manager of the organization will offer to fill out a blank application form, wait 45 calendar days and clarify whether the account has closed. Information is provided by calling the hotline of the company or in the subdivision. According to the statement, the plastic is closed immediately, the main condition is the absence of debt. If there is an outstanding loan on the card, a number of actions must be taken:

1. Find out from the representative of the company the amount of unliquidated obligations.
2. Pay off the loan through an ATM, Internet bank or cash desk of the lender.
3. Wait for the money to be credited for plastic (1-3 days).
4. Submit an application for termination of the loan agreement.

The procedure for blocking the payment instrument will take 45 days. After the specified period, check if the account is closed or check your credit history (it should not display an active account). By knowing how to quickly close a credit card, you can avoid unpleasant misunderstandings.

How to close a Sberbank credit card

Is it possible to close a Sberbank credit card is a topical issue for many. The credit card has a settlement and payment period, their combination forms a grace period. The beginning of the settlement period is the date of activation of the instrument, it lasts 30 days.

For example, for plastic activated on the 5th, the billing period starts on the 6th. All amounts spent during the billing period must be paid in the billing period valid for the next 20 days.

When the loan is fully repaid, it is necessary to sum up all the expenses incurred during the grace period and credit the spent funds to the account. When closing a payment instrument with a delay, the amount of full repayment of the debt will be increased by the amount of fines, penalties, forfeits. Take care of their full refund.

Step-by-step instructions for closing a Sberbank credit card include a number of steps:

1. Repayment of existing debt and disconnection of additional services.
2. Appeal in the unit with a card and passport.
3. Writing a statement or signing a finished one.
4. Obtaining a statement of the existence of a debt.
5. Depositing money into the cashier.
6. Obtaining a certificate of absence of debt and termination of the contract for account maintenance.

Closing a credit card in Sberbank lasts 45 days after applying. After the expiration of the specified period, you should make sure that the account is cancelled. Is it possible to close a credit card without going to the bank? Yes, this can be done through the personal account of Sberbank, if there is no debt on the plastic.

How to close a VTB card

Before you close the VTB card, you need to make sure that there is no debt on the credit account, in the most convenient way:

• through an ATM;
• in the department;
• by calling the support staff.

The second stage is to repay the loan and apply with a passport, credit card to the nearest branch of VTB Bank. Write applications for closing an account with a credit limit and wait for the notification of the completion of the operation by phone or e-mail.

The bank closes the credit card 30-45 days. After the specified period, contact the financial institution to obtain a certificate “On the absence of open accounts and debts to the creditor”.

We close the credit card "Russian Standard"

Cancellation of a Russian Standard bank credit card involves the client contacting the contact center with a request to calculate the total amount of debt on the date of termination of the card. Based on the results of preliminary calculations, the borrower pays the amount of the debt, and submits an application for termination of the loan agreement, all related paid services (SMS banking, insurance) to the office where the plastic was received.

Bank employees, having received the payment instrument, will cut it in front of the client and make a copy of the consumer application. After 60 days, you must again contact the branch and ask for a certificate of account closure, no obligations.

For additional advice, you can contact the call center of the bank of interest at any time.

Video "Closing a Credit Card"

plastic cards questions and answers repayment of loans Russian Standard Bank" credit card bank card

Question: I have issued documents for a credit card of Russian Standard Bank - "Bank in your pocket". Received the card but haven't activated it yet. From the documents, I signed the Application for the conclusion of a banking service agreement, and the full cost of the loan under the Banking service agreement. The second document says that the cost of the loan is 103.18% per annum. But the loan amount itself is not indicated there and there is no loan repayment schedule. I completed all the papers on December 5 of this year. I regretted contacting this bank. What should I do to refuse this card and no longer have any claims from this bank? If I didn't activate the card, then I didn't take out a loan? If the bank says that you have already been credited, even if you have not used the card yet, withdraw money and pay the bank everything that is on the card. Can I close my credit card, or do I have no other options?

Answer: Of course, you can close a credit card, but if you perform a number of vigorous actions. To begin with, the loan is considered already issued, despite the fact that you have not activated the card. But the debt on the loan and the accrued interest on this debt will appear only after spending transactions from the credit card account. The bank may and will want to force you to withdraw cash or make payments, but it does not have the right, and cannot, without your consent. Credit card loans are used by the borrower as the need for funds arises. After each payment made on the loan account, the total amount of the loan issued increases by this amount.
If the loan was issued to you through a debit card (with an overdraft), then the entire loan amount has already been issued to the card account in full.

But I want to immediately warn you that even when you issued a credit card, you already have a loan debt to the bank, although the card has not yet been activated, and you have not personally used the loan. Where could she come from? Loan debt in your situation may appear "thanks" to the bank.

This is because the bank could have already written off from your account (or will write it off in the near future) the amount at the rates for the services provided to you for servicing a bank card for the current year and for maintaining a loan account. Well, since the card is a credit card and there are no personal funds on it, such a write-off occurs due to the issuance of a loan. And for such a write-off of funds, the bank itself does not require activation.

In order to prevent the appearance of debt on the loan and the accrual of interest on this debt, you need to urgently visit the bank, pay off the resulting debt on services or on the loan (if the services have already been paid for by the loan) and close the account on the same day. And when lending through a debit card, the loan can be repaid only after a month, in accordance with the law on early repayment of the loan.

Each borrower has the right to refuse a credit card at any time, and the only condition for terminating a loan agreement with a bank is the full repayment of the loan and closing of the loan account.

How to close a credit card of Russian Standard Bank?

In accordance with the Bank's Terms and Conditions, the client has the right to terminate the Agreement and refuse to use the card at any time.
The procedure for closing a credit card (loan account) in different banks is different, but the general scheme is approximately the same. So, the procedure for closing a credit card (both activated and not activated) can be as follows:

1. Come to the branch of the bank where you received the loan.


2. Write an application for closing a loan account and paying off debt on a standard bank letterhead.


3. A bank employee sums up and tells you the amount of debt on a loan, interest and services for servicing a card account and a card that have accumulated for that day.


4. Repay the entire amount, having dealt with its validity.


5. Then your credit card is confiscated from you and destroyed in your presence by cutting into small pieces.


6. The loan account is closed and you are given an extract or certificate (any form can be), which must clearly state that there is no debt on the loan, loan account No. 0000 ... is closed, and there are no claims against the client. The statement or certificate is signed by the operating officer who serves you and the head of the office, and their signatures are sealed with the stamp of this office (or round seal) and a corner stamp with the date the account was closed.


7. To avoid misunderstandings, the received document must be kept for several years.

A distinctive feature of closing a credit card of Russian Standard Bank is that the above application must be submitted to the Bank at least 60 (Sixty) calendar days before the expected date of termination of the Agreement. The date of submission of the application is considered
date of receipt of the application by the Bank. This means that you will have to pay for bank services for maintaining an account for 2 months;

Since some banks have a bad habit of remembering and presenting to the client in a few years some debts that have come from nowhere, and with interest and penalties, you definitely need to get a document on closing the account and the absence of debts for you, it will serve you as if " security clearance."

Credit cards are not new to Russians for a long time. However, few are still accustomed to such a banking product; retail consumer loans are still more popular. True, it should be noted that obtaining a large loan is not always justified.

If you just periodically need to live up to your salary or have on hand not too much, but an acceptable amount, then a credit card is better than a loan.

In this article, we will talk about how to handle a credit card of a particular Russian bank so as not to get into a mess - section of the article “How to get - activate - replenish - withdraw - close a Russian standard credit card: instructions".

Branch of Russian Standard Bank

It is convenient to pay with a card on the Internet, and in ordinary stores, abroad and anywhere in Russia. In addition, the cardholder can participate in various bonus programs, then exchange the points received for rubles and pay for various goods and services. Most of the cards, moreover, are provided on fairly convenient terms - a significant amount of the limit and a long interest-free period help to take advantage of all the advantages of this product, successfully avoiding the disadvantages. Keep up with the repayment of the debt in 55 days and you will not have to pay interest at all.

Getting a card from Russian Standard Bank is quite simple. Below we will talk about how to get a Russian Standard credit card. And if you use it wisely and rationally, then some of the efforts are well worth the freedom of choice and independence that comes with owning such a banking product.

The credit limit ranges from 50,000 to 1.5 million rubles, depending on the type of card.

Agree, with such conditions, you can afford a lot - and holidays, and repairs, and new gadgets, and medical services, and even buying a car. With a credit card, you are not in danger of getting into trouble. Now you do not have to painfully stretch the rest of the money until the salary, refuse the goods at the checkout, lose face in the restaurant. Just use the card wisely, remember how and from what you will pay off the debt, and you can become freer without ruining your credit history.

How to get - activate - replenish - withdraw - close a credit card Russian standard: instructions

So, if you want to become a client of the above-mentioned bank, then you need to make sure that you meet the requirements of this lender. All credit cards are issued to citizens of the Russian Federation upon presentation of a passport and income statement. Age - from 23 to 25 years old, up to 65 years old maximum. However, not in all cases, you can first fill out an online form on the site, and then just come to the bank branch with a card. Some of the 19 current bank cards can only be ordered by contacting the lender's branch directly.

Activating your card is easy. To do this, just contact the help center by phone - the dial-up number is indicated on the back of your card. After that, you need to provide the owner's data, inform the access code known to the client. You can also just visit a bank branch with a passport and a card. In any case, upon receipt of a credit card, you can immediately activate it with an office specialist. The PIN-code is generated by the same call center number - 88002006200. It is obligatory to make all calls to Russian Standard Bank from one of the numbers that the client indicated in his application for a credit card.

How to pay debts and withdraw money

There are several convenient options for topping up your credit card account from BRS. You can choose exactly the one that will satisfy you in all respects. Of course, you can deposit funds into your account through:

• Terminals Qiwi, Cyberplat, Rapida and Contact, Eleksnet (from 1% to 1.6% commission);
• ATMs and cash desks of the bank;
• Internet banking - by transfer from an account or from a card;
• Postal transfer - 1.5 commission and 10 days for enrollment.

As you can see, even if there is no bank office in your city, although the BRS has a fairly extensive network, there will still be another bank, terminal or post office, so there will be no problems with replenishing the card account.

Qiwi terminals for working with Russian Standard cards

Credit cards by their nature are banking products designed for cashless payments. You can withdraw banknotes from the account, but it is completely unprofitable. First of all, because of the high commissions for operations of such a plan. But sometimes there is simply no other way out, and the owner has to look for a cash point or an ATM of his native or any third-party bank. Depending on the type of credit card you have, Russian Standard Bank will charge you 299-300 rubles + from 4.9% to 6.9% of the withdrawn amount on top. A withdrawal limit is also prescribed - at least a month you can withdraw up to 300,000, a maximum - up to 1 million rubles. For a day - 100,000 - 300,000 rubles.

How to close the BRS card

So, we have clarified almost all the incomprehensible points, except for one thing - how to close a Russian Standard credit card. This can happen to anyone, you used the card, but no longer need it, or realized that you are not able to control your spending, and now you need to close it. The main thing is to do everything right so as not to make problems for yourself.

You can’t just throw away a card by cutting it into pieces. The closing procedure is quite complicated, and it is better to strictly adhere to the plan so that there are no unpleasant consequences.

To get started, you should either come to the branch or call the service center and find out what your debt is. It is better to name the exact repayment date so that you do not have any unpaid interest. After that, you need to pay off all the debt exactly to the penny, take a certificate from the bank stating that nothing else is on your account, and write an application for the complete closure of the card account. What will happen if you do not pay by credit card or pay not everything, and so it is clear. Interest and penalties will stack on top of each other, and your debt to the creditor will grow like a snowball. Your credit history will be hopelessly damaged, and in the future you will not be able to get a profitable loan even in another bank.

Credit cards from Russian Standard Bank

After redemption and application, the card will be blocked, but the account will not be closed immediately, usually after 45 days from the date of application. For your own peace of mind, you can keep a copy of this application with the bank's mark of receipt and the date.

So, now that we have clarified all the important issues, you should begin to understand what a credit card is and how to properly handle it in order to use the pros and avoid the cons of owning such a banking product.

Unfortunately, it is impossible to order a Russian standard Russian standard credit card by mail, but there are a lot of lender branches in Russia. The main thing is to understand that there is nothing terrible or complicated about credit cards. It is only important to clearly know all the conditions for providing the product, your rights and your capabilities. In a difficult moment, a credit card can help you solve a problem, but if you don’t think it through thoroughly, then a credit card itself will become a source of problems. Control your spending, calculate everything in advance, and then you will never regret that you once applied to the bank for a credit card.

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For 2016, credit cards remain one of the most popular products among Russians. And this can be easily explained: cards are the only product for which banks are ready to provide a grace period for using funds. The card is easy enough to get and is a great "spare wallet".

One of the leaders in the Russian credit card market is Russian Standard Bank.

What credit cards Russian Standard Bank offers to its borrowers, the conditions for issuing cards, how to get them, reviews on whether it is worth using its products, you will learn by reading this article.

Bank product line

Let's see what Russian Standard offers to its customers, and how much it will cost to issue and service a credit card from this bank.

• "Russian standard". The limit is up to 150,000 rubles, the issue price is 900 rubles, the annual maintenance is 3,000 rubles.

  The rate is from 21.9% per year. The minimum payment is 10% of the amount owed.

• Visa Classic/Mastercard Standard. The credit limit for the Russian Standard Classic card is from 30,000 to 299,000 rubles. Issue fee - 900 rubles (main card), 450 - additional. Annual maintenance - 3,000 rubles.
• Visa/Mastercard Gold. Limit up to 299,000 rubles. Issue price - 3,600 main card, 1,600 additional. The cost of servicing a Russian Standard Gold credit card is 3,000 rubles. Loan rate - from 29%.
• Miles&More Visa Signature. Limit up to 1,500,000 rubles. Loan interest - from 29% per annum. Issue and maintenance of the main card - 10,000 rubles, additional - 5,000 rubles

American Express (line):

• classic. Limit from 30,000 to 300,000 rubles. Issue fee - 1500 (main credit card), 500 rubles - additional. Card fraud insurance will cover up to 1,000,000 damages.
• Gold. Issue fee 4600 (basic), 2600 - additional credit card, interest rate on the loan is 28%. Basic conditions are standard.

As a rule, most often the bank approves the classics - Russian Standard and MasterCard Classic, with a limit of up to 300,000 rubles.

Now let's talk about how to get a credit card.

Stage one - filling out the application. This can be done on the website (for a number of credit cards), or at a bank branch. To fill out the application, you will need the data of a civil passport, and additional documents.

IT'S IMPORTANT TO KNOW! The official website of the bank www.rsb.ru. You should not fill out applications on lead generator sites if you do not want to spoil your credit history with mass submissions.

In a full application Passport information is required. You will receive an answer on it no later than 30 minutes, since the site has a built-in customer verification system (scoring).

The card will be delivered to the branch you selected when filling out the application, you will learn about its readiness from SMS or by a call from the manager. The term for the production of a personalized card does not exceed 14 days. You can get an instant credit card on the same day.

You can receive a bank-approved card by mail. It will only need to be signed (without this it is invalid) and activated - at the bank's ATM, or by calling the contact center. Delivery usually depends on your region of residence, and takes no more than 20 days

Be careful when filling out an application on the site, as erroneously entered data can lead to a refusal.

Do you know how to use the grace period of a Sberbank credit card? we'll tell you the details!

Requirements for the recipient

Russian Standard has several conditions, without observing which you definitely will not be able to get approval. In particular, this is a requirement for a package of documents presented during registration.

Despite the fact that a common opinion came from somewhere on the Internet - to issue a Russian Standard card, you only need a passport and any second document, everything is far from being so simple.

First, the bank usually does not approve the applications of those persons who are not its clients. If you took, say, a commodity loan, and successfully repaid it- for you in the system with a huge degree of probability there is already a card with a pre-approved credit limit.

Secondly, if it is not there, and you are not a bank client, get ready to show documents confirming your income. And Russian Standard is usually not interested in your 2-NDFL certificate.

As documents confirming solvency, only:

• voluntary medical insurance policy valid at the time of application;
• a document on the right of ownership (house, garage, land, room or apartment);
• foreign passport with border crossing marks within the last 6 months;
• account statement of a salary or debit card;
• document for the car (PTS or STS).

The main requirements for the borrower are quite standard:

• age from 25 years old (strictly!), not older than 65 years old;
• Russian citizenship;
• the presence of a permanent job (verified by a call to the employer);
• work experience of 6 months at the last place of work (usually not too meticulously checked);
• the absence of overdue loans reflected in the Equifax and Russian Standard BCIs.

Withdrawing cash from a credit card, how much does it cost

Credit cards are more focused on non-cash transactions- they cost the user several times cheaper than cash withdrawals.

But it is not always convenient to pay for some purchases with a card. Therefore, the borrower faces the question - how to withdraw cash, and how much does it cost?

The last question is logical - no lender offers free cash withdrawals from credit cards. For the use of borrowed funds, a certain percentage is always charged.

"Russian Standard" also does not indulge its borrowers. Cash withdrawal, although possible, is not particularly profitable. Firstly, there is a limit for all types of credit cards - during the calendar month you cannot cash out more than 50% of the limit amount. Secondly, the use of borrowed money is not cheap (although Tinkoff has far outstripped all its competitors in this matter).

When withdrawing funds at the native ATM of "Russian Standard" you will be charged 4.99% of the withdrawal amount. For withdrawals from ATMs of other banks, the fee is the same.

Removal procedure is standard- for it you only need a valid PIN code and the card itself. A credit card is inserted into an ATM, a PIN code is entered, and after that you can check the account balance and select the "Cash withdrawal" item in the menu. It remains only to enter the required amount and wait for the money to be issued by the ATM.

It is better to keep checks for all transactions through an ATM (withdrawal and deposit of cash).

How to close an account and not be left behind

Often there is a problem. A person took a credit card, got tired of using it, closed it - but for some reason he still owes the bank.

AND it ends up being delayed, which prevents you from taking a new loan on more favorable terms. This happens because only the card was closed, but the account to which it was attached was not closed.

And the lender continues to accrue interest on him(if there was a debt of at least 10 rubles on the account), or a fee for its maintenance.

How to refuse a credit card correctly? Firstly, if you have not activated the card, then you can simply wait six months - and it will be automatically canceled. You will not owe anything to Russian Standard, since no transactions were made on it.

Secondly, if the credit card is active and has been used, you need to contact the branch, take an account statement and fully repay the debt. Preferably - through the bank's cash desk, since the extra funds deposited with a margin will not allow you to close the account, and as a result, penalties and service costs will be charged on it.

Having replenished the account through the cash desk, you must write an application for its closure. The manager is obliged to accept it, carry out the necessary operations in the system and close the account.

You should be notified of the latter. After that, the card is destroyed in your presence.

You must keep the papers on closing the card and account.

Customer opinions

In this section, we have collected reviews from those people who are already actively using Russian Standard loan products.

Marina, 30 years old, MasterCard Classic

“The bank sent me a card after I successfully repaid the commodity loan. The contract indicated 23% per annum. I withdrew money, paid the minimum payments for 2 years, and when I came to the bank to close the card, I found out that the actual percentage was about 50%, and I owe another 56,000 rubles.

Timur, 27 years old, Visa Gold

“I have been using the Russian Standard credit card for a long time, and in general, I am satisfied with everything. The main thing to remember is that you can’t pay the debt only with minimal payments, they go towards repaying interest, and the principal debt almost does not decrease. If you use the grace period, then it generally turns out to be profitable.

Irina, 42, MasterCard Classic

“I took out a loan to pay for my daughter’s surgery. I have been paying off the debt for 5 years, but I am glad that you can extend the validity of the card and use the funds again if the limit is replenished. This allows you to use it without much damage to the budget.

Natalia, 27 years old, MasterCard Classic

“The bank sent the card after repaying the loan for the phone. At first, the interest was frightening, and I did not use it, but then I needed funds for the wedding. I completely restored the limit from the donated money, and continue to use it during the grace period. Otherwise, I consider the use of such a credit card unprofitable.

So, you have learned everything you could learn about Russian Standard credit cards, and now the main question remains - to take or not to take? There is only one definite piece of advice that can be given here.

If everything is in order with your income confirmation, and you can wait a while, it is better to apply for a card at Sberbank or Avangard, where the interest for using a credit line is lower and the conditions are more transparent.

The main disadvantage of RSB credit cards is high interest rates, some of which are hidden. If you do not have an official income statement, or you are sure that you will be able to repay the debt during the grace period, then RSB is quite suitable.

In contact with

A modern person at least a couple of times a week uses a bank card to pay for purchases in a store or to carry out any non-cash payment. It is profitable and convenient, so many people have more than one credit card in their wallet.

But there comes a time when it is no longer necessary to use the card and the person wants to get rid of it in order to no longer have any debt obligations to the financial institution. Let's talk in more detail about how to close a Russian Standard credit card and permanently terminate relations with the bank.

Submit your plastic card to the bank

To understand the algorithm for closing an account, you need to study the loan agreement, which clearly states that the owner of the card is the client, but still the credit card belongs to Russian Standard Bank. So just throwing it away won't work.

If we are talking about a salary card that can be forgotten or lost somewhere, then you just need to block it and no one else owes anything to anyone. This number will not work with a credit card. Her service has some features that you need to know about.

First of all, these are connected SMS informing, interest accrual and other paid services that must first be turned off and only then can the card be closed. Therefore, the process of closing the card should consist of a sequence of actions of the borrower.

No debt on the card

It will not work to close a Russian Standard bank card if it even has a minimum debt amount of a couple of rubles. A negative balance can cause interest to be charged, from which the client himself will suffer in the first place. So it is in your interest to contact the bank branch, where you can get an account statement and find out the amount of debt (if any) on the line of credit.

It is best to get this information from different sources:

1. First, take a check from an ATM with information about the amount of the debt and the balance on the card.
2. Then contact the Russian Standard Bank hotline and specify the necessary data there.
3. After that, you can grab a passport and go to the bank branch.

This will take time, but it eliminates the possibility of error. In any case, you will have reliable data on how much the client owes his financial institution.

Now about how to close the Russian standard card. Contact the branch where the credit card was received and write an application there, the form of which can be taken from a bank employee. The card is submitted along with the application. In general, in the absence of debts, a bank employee must immediately destroy the plastic in front of you by cutting it with scissors.

Do not be afraid to show some meticulousness in credit matters, which can be fraught with large expenses. She won't be redundant. Take a copy of the document from the bank employee, which states that the credit card is closed. If there are debts on the card, they must first be paid off in any convenient way.

Paying off debts and closing credit cards

This must be done on the day when the amount of the debt was specified. This is due to the fact that the interest for the borrower was calculated precisely for the current date, and if you extinguish them after 3 days - the total amount may be completely different. If you do not pay on the card, the amount of interest and fines will only accumulate, which will eventually lead to the fact that the borrower will not be able to pay off the lender at all.

Card closing deadlines

Get ready to wait, the procedure for closing a Russian Standard bank card can take about 60 days. After this period, the contract will be terminated and any relationship between the bank and the client will cease.

Deadlines for returning the balance on the card

If there were no debts on the credit card balance, but only own funds, and the borrower did not withdraw them from an ATM, it will also be possible to receive your money after 2 months, when the contract is terminated.

Always ask for a certificate of debt repayment and account closure from a bank employee. Additionally, control the disconnection of all paid services such as mobile banking or SMS informing.

If the card expires

We considered the option when the client himself decides to close the account and no longer use plastic. If the credit card expires, you should not expect that you no longer have any relationship with the issuer. The account is still active and interest will be accrued periodically on the negative balance.

Therefore, Russian Standard Bank must be notified in advance that you need to reissue a credit card. Usually in this case there is no need to pay for re-registration, but the annual service fee will be charged according to the standard scheme.

If for some reason you do not want to reissue the card when it has expired, the bank will need to be notified one month before the expected end of its validity. As you can see, there are no difficulties.

Finally

A credit card can be a great tool to make it so easy to pay for goods or services. The algorithm for obtaining plastic from each bank is different and often even necessary to get a card with a large credit limit and low interest rates.

It will become just a godsend in a difficult moment, when financial problems arose, and there was no one to ask for help. But money should not be taken lightly, because if you do not control the expenses on the card, then you can bitterly regret that you once received a credit card.

For some reason, people are not serious about closing the card. But there is nothing complicated here at all, the main thing is to know what problems may arise in the process and how to solve credit card debt issues.

Remember that in any case, you will need to have a copy of the document on hand that notifies you that you have no debt obligations to the bank. In the event of a disputable situation, the presence of such a certificate will play into your hands and you will not have debts to a financial institution.

Check out the offers of banks

Card with cashback in Rosbank

Issue a card

More about the map

• Cashback up to 7% - for selected categories;
• Cashback 1% - for all purchases;
• Bonuses, discounts on goods and services from VISA;;
• Internet banking - free of charge;
• Mobile banking - free of charge;
• Up to 4 different currencies on 1 card.

Card from Unicredit Bank

Issue a card

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• Up to 5% cashback;
• Cash withdrawal without commission at partner ATMs;
• Card service - free of charge;
• Internet banking - free of charge;
• Mobile banking is free.

Card from Home Credit Bank

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• Up to 10% cashback from partners;
• Up to 7% per annum on the account balance;
• Withdrawing funds from ATMs without commission (up to 5 times a month);
• Apple Pay, Google Pay and Samsung Pay technology;
• Free internet banking;
• Free mobile banking.

Debit card from Alfa Bank