To date, only one is offered credit card of SKB Bank under the name "Spare wheel".

The bank was founded in the fall of 1990 on the basis of the Sverdlovsk management of Agroprombank, subsequently the organization was transformed into an OJSC and was named SKB-Bank “Joint Stock Commercial Bank for Promotion of Commerce and Business”.

In 1994, 51% of the shares of the organization, which was in a difficult situation, was bought by the capital's bank Menatep. Two years later, the bank became one of the largest credit institutions in the region, but in August 1998 the crisis destroyed Menatep and brought SKB-Bank to the brink of bankruptcy. Menatep left the shareholders in early 1999, and the regional administration bought out 25% of the shares of SKB-Bank.

In 2001, the new co-owners of the institution were metallurgical companies belonging to the Sinara group, which today controls 73.4% of the shares of SKB Bank.

Today the bank is one of the leading credit institutions in the Siberian and Ural regions.

The number of credit cards issued by SKB-Bank exceeded 400 thousand

A credit card of SKB Bank can be serviced at one of the 500 ATMs of this institution installed in the Sverdlovsk region, Moscow, Chelyabinsk, Perm, Rostov, Perm and other regions.

The territorial network of the institution includes 11 branches, 94 operational and 93 additional offices. The Bank is actively developing its retail business, attracting funds from the population in deposits and offering consumer and mortgage loans. The number of private clients of the bank has reached 200 thousand.

The organization's net assets are 70% composed of the loan portfolio. More than 60% of them were issued to individuals. 12% of net assets were invested in securities of foreign and Russian issuers. Citizens' deposits account for 42% of liabilities, 30% is made up of balances on corporate settlement and deposit accounts. In the interbank market, SKB Bank acts in both directions, mainly acting as a net creditor.

Zapaska credit card offered by SKB Bank

This card belongs to the MasterCard Maestro standard.

1. Card currency - Russian rubles.
2. The use of the borrower's personal funds is allowed.
3. The cost of issuing a card is free.
4. Maintenance per year - with a starting credit limit of 1 thousand rubles - will not be charged. With a limit of more than 1 thousand rubles - 1600 rubles per year.
5. The interest-free period is 51 days.
6. Credit limit - from 1 to 300 thousand rubles.
7. Interest rate - 15-39%.

When issuing a card, a limit of 1 thousand rubles is set, later it can be increased.

The loan is repaid every month. The minimum payment is 5% of the debt amount plus interest accrued for using the bank's funds, but not less than 600 rubles.

The interest-free period is valid only for cashless purchases.

The interest rate for operations in service and trade enterprises is 15%, for other operations - 39%. There is no interest accrual on the account balance.

Cash withdrawals at any ATMs and ATMs are carried out with a commission of 3.9%, but not less than 300 rubles. Cash withdrawal is limited to 300 thousand rubles per month.

A credit card from SKB Bank can be issued to customers over the age of 18, while the overdraft limit is opened in the amount of 1 thousand rubles. For borrowers from 23 to 58 years old, the overdraft limit can be from 15 to 300 thousand rubles.

To obtain a card, you need 3 months of work experience at the last place of work and registration in the region of presence of SKB Bank. Proof of income is not required.

The SKB credit card is a convenient option, in which the borrower's money is always at hand. An offer made by one of the most popular and stable banks in the country leaves no doubt about the correct choice when applying for a loan from this bank.

The bank started its work in the Soviet era back in 1990 in Sverdlovsk, which suggests that it is one of the oldest and most respectable credit organizations of our time.

General information about maps

Unlike many loan offers, the credit limit at SKB Bank is always renewed, which means that it can be used repeatedly, i.e. with the timely repayment of the loan, the renewal leads to the opportunity to use the Bank's funds again and again.

All bank cards are made on the platform of the American Visa system, and have a gradation in categories from simple electronic, classic to gold, the design of which is performed in a classic color and the appropriate style for holders of such a status card.

Particular attention should be paid to the Zapaska card, which allows the borrower to count on a high credit limit and the lowest interest under the agreement. Of course, it must be remembered that when signing an agreement with any credit institution, you should carefully study the documents themselves so as not to fall into debt bondage, as has happened more than once with clients of various banks.

Requirements for obtaining cards

Any credit card of SKB Bank is issued on the website using an application form, and the requirements for the borrower are quite standard:

• Russian citizenship;
• Age from 23 years old;
• Work experience, confirmed by documents, at least 3 months at a permanent place of work at the time of application;
• Certificate of labor income in the form of 2-NDFL;
• It is desirable, but not necessary, to have a driver's license or SNILS.

If the borrower has any real estate assets or a car in the property, it is better to prepare a certificate confirming the right to own this property.

Those who order a card on the Bank's website can choose the branch where it would be convenient for them to pick up their credit card.

The card ordered on the website will be personalized. For those who come to the branch and draw up an application through an employee of the Bank, it is possible to issue an unnamed plastic card, which can later be exchanged for an embossed one by filling out the appropriate application at the administrator's desk.

Terms of use of the Zapaska card

The Zapaska card is a very convenient financial solution, because the bank offers preferential loans for this product, provided that such a card is used in stores, and the bank's flexible policy is one of the most acceptable loan offers on the market. Terms of use of the Zapaska card when paying for goods at retail points:

• The grace period for lending, when the bank's money can be used free of charge, is 51 days;
• The loan rate is 15%;
• Service, issue of the card is free of charge for its owner;
• The credit limit is offered at the level of RUB 300,000;
• SMS informing, mobile and internet banking are free of charge and are included in the service price.

A relatively convenient moment is the automatic activation of the card one hour after receiving the letter that the bank is transferring the plastic to the owner. No need to enter one-time PIN codes and other forms of confirmation on sites.

A few words should be given to the grace period, or as it is called, the grace period when servicing the card. Only one-time use of the grace period is possible until it is fully paid off. It is counted from the moment when the purchase was made, and lasts 51 days. During this time, you can use the procedure for depositing funds to the card without paying interest to pay off the debt. If this is not done within the allotted time, then you need to be prepared for the fact that the bank will begin to charge interest for each day of delay.
Zapaska credit card

Please note that the following transactions are not included in the grace period:

• Mobile phone payments;
• Cash withdrawal from ATMs;
• Transfers between accounts;

That is, you can do all these operations with the card, just know that the next day the interest for using the money will go. The fact is that the card is intended as a payment card, which means that it is for payment in stores.

By the way, you can also pay for any online purchases with your card. If you have a map without a name, and the site algorithm requires input, in addition to the number, also data, enter the name as it is written in the foreign passport (and those who do not have such a document, suppose how your data would sound in Latin).

You can pay off debt on the Zapaska card in various ways, the most popular of them are:

• Payment in terminals with the function of accepting cash;
• Instant payment ATMs;
• With the help of an employee of the department;
• Transfer from one bank account to another.

Some information about the grace period

It should be remembered that the execution of transactions when repaying a debt can take a certain amount of time, so it is advisable to track the time of the expected payment in the personal account of the bank and make it not on the last day in order to avoid the accrual of interest. The same can be said about the payment of the obligatory interest on the loan. Putting them off until the last day should not take risks so as not to receive a commission for delay, which can range from 300 rubles per day or several percent according to the contract.

When signing a contract or after receiving information on the site, you need to know that free service is only shareware and requires the client to comply with a certain number of conditions. Many of those who have not fully or inattentively read the loan agreement are surprised why funds are debited from the card. Each card has its own limit of "turnover" on the account during the month, when the product service is free.

It should also be remembered that the stated loan amount and interest rate are not a public offer. That is, the maximum credit coverage can be obtained exactly in the amount specified by the Bank, but individually for each client it will be calculated by the scoring system and the bank's security services based on an approximate limit, which is calculated as three salaries for the last months, which are divided by three.

How to increase your limit on a plastic card

With the reliable use of funds, that is, if the client does not spoil his credit history and deposits money on time, an increase in the credit limit is envisaged. This can happen in two cases:

• The bank automatically raises the level of lending and notifies the client about it;
• After 6 months of using the money of the credit institution, you can independently write an application for increasing the limit, and it will be considered by the credit inspector.

The loan rate is also floating, it depends on many factors, including the average monthly income of the client, and its constant value can also be found from the loan agreement.

Please note that cash withdrawals are subject to additional fees. In addition to the payments for using the terminal services themselves, which can be up to 3.9% of the transaction amount, this can lead to an automatic increase in the amount of the credit limit rate to 39%. See also: .

A significant disadvantage for an unscrupulous payer can be the fact that, if the payment is delayed by at least one day, the organization will immediately fine you by 15% in addition to the amount that is already prescribed in the loan agreement.

At the same time, the bank has rather loyal relations with conscientious clients, which are based on mutually beneficial cooperation. Everything here is extremely simple - the more often you use the card when paying for purchases in stores, the higher the chances of the holder of this product for increasing the credit limit.

All applications for cards can be made in real time on the bank's website, which reduces the time for using the service and makes it convenient when using cards. Customers' money, according to their own opinions, is safe on the card, and if you use a credit card as a means of payment, and not just a virtual wallet, then there is an opportunity to get a very attractive product at a low price.

With this card you need to pay more and more often, then the loan will be paid less and the bank will increase the amount.

You should not withdraw cash. If you cannot do without this, then it is advisable to get a debit card of this bank and transfer funds to it with a lower loss of interest.

Before going to the store, check the website http://www.skbbank.ru and find out if these stores offer increased cashbacks. All information can also be found by calling support hotlines.

OJSC SKB-Bank is a large developing financial institution, whose activities are aimed at lending to individuals, as well as representatives of small and medium-sized businesses. The source of the formation of the fund is the client's deposit. In addition, SKB-Bank acts as the settlement center of the Pipe Metallurgical Company.

Due to the wide opportunities and lucrative offers from the bank itself, an increasing number of individuals are trying to get credit cards here. This is due to convenient and more loyal conditions for issuing a credit card, as well as interesting conditions for repaying a loan.

Terms of registration

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The SKB bank credit card offers potential holders the minimum conditions for its registration. It should also be noted here a convenient system for activating a credit card and benefits.

What is needed

Depending on the type of credit card, the validity period is from 2 to 5 years, in addition, there are individual conditions for using the loan, as well as the cost of annual maintenance

Activation and benefits

Actions to activate the SKB-Bank credit card are not required. Here it is enough to issue a credit card, get it in your hands - after an hour, automatic activation will take place, after which the owner can easily carry out all possible actions.

As for operations, it is important to analyze the grace periods of the credit card in order to prevent delays and the imposition of a fine. The grace period for a credit card from SKB is Day 51... During this time, the cardholder can carry out any operations with the card free of charge, if additional costs are not specified in the terms of use of funds.

The beginning of the grace period is the time of the first operation. As a rule, this is payment for a product or service. If during 51 days the owner will fully pay off the debt that he himself “created” on the account. This means that a new grace period begins for him, which he can use in the future.

If the cardholder has not repaid the debt within the grace period, he must pay interest, the rate of which is 15% annual. SKB Bank offers sums of money no more than 300 thousand rubles- it all depends on the data of the owner himself.

If necessary, the credit card holder can use the opportunity to withdraw cash, but additional funds will have to be paid for the operation - 3,9% of the withdrawal amount ( but not less than 300 rubles). You also need to pay for the annual credit card service - 1600 rubles.

SKB credit card service

The conditions of credit cards from SKB differ somewhat from the conditions and requirements of third-party banks. The same should be noted in credit card service.

Opportunities

The general criteria and positive aspects of using a credit card from SKB include:

• Availability of cash back - a program for returning funds in the form of bonuses in the amount of 1% from the purchase amount on the territory of the Republic of Belarus and 3% Abroad.
• The owner is always aware of all operations due to the connected free SMS informing.
• Credit card from SKB offers reduced interest rates for the use of funds.
• The use of credit card funds puts forward a long grace period.
• There is no annual service charge for the card - the owner only pays for the withdrawal of the card ( 1600 or 1700 rubles).
• You can withdraw your own funds from ATMs of the bank and third-party banks without paying a commission.
• To issue a credit card, it is enough to submit a certificate of income in the form of 2-NDFL.
• In case of withdrawing cash, you will have to pay an impressive amount - a service fee. What is noteworthy is that the bank charges a commission if the amount was withdrawn from its own ATM or a third-party bank.
• The grace period does not apply to cash withdrawals.

Option "Spare wheel"

SKB Bank offers a special Zapaska card, the terms of registration and use of which differ significantly from the main credit cards. It also notes the possibility of using the maximum limit in the amount 300 thousand rubles, but it is not offered to everyone. Moreover, even if you want to, it is quite difficult to get it.

At the initial stage of using the credit card, the owner is offered an overdraft in the amount of 1 thousand rubles. In the future, the amount can be increased. Active use of the card requires the constant provision of documents of solvency. Detailed "proof" of solvency increases the chance of increasing the credit limit.

A SKB credit card is issued online on the official website on the Internet. This method of issuing a credit card does not take much time. Here you can automatically connect SMS informing. Thanks to convenient conditions and simple use of Internet banking, you can constantly monitor your funds and all transactions.

Additional services

A credit card from SKB Bank offers minimum conditions for registration, and strict compliance with all conditions for using funds will not entail additional costs

Each owner of a credit card from SKB can apply for an additional credit card, which will be used for another purpose.

Tariff and interest calculator

Three types of credit cards can be issued at SKB Bank:

A credit card is a product issued by a bank. It allows you to use money that you do not have at the moment, that is, get a loan exactly when you need it.

Such situations may arise, for example, when you are planning to make a large purchase, and your own funds are not enough, then use a card that you have successfully issued in advance and now you can take resources from the credit limit, and even with a grace period.

One of the most common bank cards is. In this article, we will look at its characteristics and competitors with similar products.

Description of SKB Zapaska credit card

Now bank cards are accepted in all major stores in the country. Moreover, you can pay with credit cards via the Internet, buying your favorite products in online stores. It is because of the wide and convenient functionality of this product that the demand for it is growing every year.

The credit card of SKB Bank Zapaska is one of the most popular cards of 2015. At the moment it is out of production and has been replaced by new products with more interesting conditions.

The Zapaska credit card was valid for two years. Service cost - 800 rubles. (and the amount was withdrawn immediately in two years). One of the main drawbacks of the card was a large percentage of 3.9% of the total amount (and not less than 300 rubles), which the bank received for any cash withdrawal operation.

Among current SKB products can be distinguished:

• iCard: Classic card for every day
• Gold card for bargain purchases
• Gold card to generate income
• Premium card for profitable trips abroad
• Virtual card Visa Virtuon

Credit cards

Competitors of SKB Bank and their credit cards

With the growing use of non-cash payments in our daily life, various bank cards are of increasing interest among citizens. The most common are debit and credit cards. We talked about the first type earlier, and today we will focus on the second, since it is to it that applies credit card of SKB Bank Zapaska.

If you were not lucky enough to previously become the owner of a credit card of SKB Bank Zapaska, now it is impossible to do this, since this product has been discontinued and replaced with new and interesting offers on more favorable terms for the holder. Among the competitors of SKB Bank with their credit cards select the following leaders:

• 100 days without interest.
• Platinum (up to 300 thousand rubles for 55 days without%).
• with a quick solution and a limit of up to 300 thousand rubles.
• with 55 days of interest-free use.
• with Cashback at 3%.

Note that for greater confidence in receiving the card, it is recommended to send applications simultaneously to 3-4 different banks... Having received several credit cards at your disposal, you can most efficiently use their limit, grace period and benefits associated with various promotions and Cashback.

General Card Terminology

A credit card is a popular banking product, and it is preferred by more and more citizens who, for one reason or another, may need additional funds. The card makes it possible to quickly receive the necessary financial assistance without contacting the bank for additional information and without collecting unnecessary documentation.

The amount of money that the card holder can withdraw is called credit limit... The credit card of SKB Bank Zapaska has a limit of up to 300 thousand rubles, which is still the golden mean among all cards. It is established by the bank for each client individually, depending on the client's solvency.

The second important point is the presence grace period using money from a credit limit. The grace period is the period during which you can spend bank funds without paying interest. The average term for modern credit cards is 50 days.

Additional terms for credit cards

Credit cards are payment cards that can be provided on the terms of a loan agreement to customers of a particular bank. Remember that each bank has its own model contract and certain conditions written in it. The credit card of SKB Bank Zapaska has one agreement, Tinkoff has another, and Alfa-Bank has a third. Be careful and read all points before signing, in order to avoid misunderstandings and unpleasant situations in the future.

A huge number of people use credit cards. Even those who have a good income and free money. After all, their skillful use helps to solve the problems of purchasing goods at the right time, and also allows you to really save.

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