Нередко клиент финансовых организаций оформляет какой-либо продукт, не рассчитав свои возможности. Другой вариант: банки сами часто навязывают пользователям различные карты для привлечения новых заемщиков. Встает вопрос о том, как отказаться от кредитной карты. Разберем подробнее, как это сделать правильно, быстро, без дополнительных финансовых последствий.
Если банки сами предлагают пластик
Кредитные организации часто звонят тем, кто раньше подавал заявку в банк, но не получил одобрения, либо вкладчикам и зарплатным клиентам. Главное помнить: что вы никому ничего не должны.
Вы можете принять предложение, если условия тарифа устраивают. Также имеете полное право отказаться от кредитной карты, не объясняя причину.
Заявка уже одобрена
Нередко клиенты, заполнив анкету на получение карты, решают не пользоваться продуктом. До момента, пока карта не была активирована, договор считается не вступившим в силу. Если карта доставляется по почте, можно просто не получать ее в отделении, тогда она будет отправлена назад. Также можно не забирать кредитку у курьера.
Также можно позвонить в службу поддержки клиентов банка. Поскольку пластик не был активирован, оператор обязан быстро зафиксировать просьбу клиента о прекращении пользования услугой.
Кредитная карта была активирована
Некоторые финансовые организации сразу же проводят активацию карты в автоматическом режиме. В результате сумма за годовое обслуживание списывается со счета, и пластик становится активным.
Отказаться от кредитной карты можно, если обратиться лично к консультанту банка. Нужно захватить с собой кредитку, договор и паспорт. Пишется заявление по установленному образцу на отказ от продукта. После принятия документа договор будет аннулирован в течение 45 дней.
Уже пользовались картой
Если вы уже активировали банковскую карту и с ее помощью совершали операции, то потребуется закрыть карточный счет. Это процедура очень важна. Если ее не сделать, можно столкнуться с последствиями.
- Во-первых, по карте будет начисляться комиссия, даже если вы не пользуетесь кредиткой, ведь закрытие счета не было проведено. Через несколько месяцев счет уйдет в минус, что потребует внесение обязательного платежа. В результате образуются просрочки и набегают штрафные пени. Даже если не пользоваться картой, по ней будет взиматься плата за годовое обслуживание и смс-оповещения.
- Также банк начисляет проценты немного с опозданием. Например, в мае вы погасили весь долг на данный момент и перестали пользоваться картой. А в июне банк «прислал» новый долг. Таким образом, через полгода может оказаться внушительный минус.
Чтобы этого избежать, необходимо закрыть счет. Для этого посетите отделение и обратитесь с просьбой к сотруднику. Работник даст заполнить заявление и рассчитает сумму задолженности, которую необходимо погасить. В течение месяца действие договора будет прекращено. Желательно взять у банка справку о закрытии счета, чтобы в будущем не возникло недоразумений.
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