Credit card in Bank Sinara
Posted: Tue Feb 18, 2025 8:59 am
The process is usually simple and quick. The main thing is not to get confused in the terms. To do this, tell the bank specialist that you do not want to "freeze" the credit card or suspend its operation, but rather terminate the agreement and close the account. When everything is ready, you can also ask for a certificate of no debt.
In what cases is it advisable to close a credit card:
she has a paid service and a large sum is debited from her account every month;
there is a risk of data compromise – for example, you paid with a card on dubious websites;
the card is linked to services that charge payments for subscriptions and services;
you are no longer satisfied with the terms of credit card jiangxi mobile number database servicing and use of borrowed funds;
the contract provides for a substantial limit, and you plan to receive a large loan from the bank and do not want the credit line to figure in the solvency assessment.
But there are also opposite situations in which it is better to leave an unclaimed credit card:
she has free service;
the agreement provides for favorable terms and a low interest rate - you are afraid that when you reapply for a credit line, the bank will change them;
you don’t have a financial cushion or money set aside for unexpected expenses, so you may need a credit card at any moment;
you have accumulated bonuses under the loyalty program, which will be “burned out” when the contract is terminated;
the card was not used to pay on dubious websites, its data was not compromised.
Experts recommend weighing all the pros and cons before contacting the bank to terminate the agreement. There are cases when borrowers close credit cards and then try to re-apply for them a few days later. Try not to act impulsively and make a balanced decision that is beneficial to you.
Sinara Bank offers to apply for a credit card "DA!" on favorable terms. It has free service and a grace period of up to 56 days, which applies even to withdrawals and transfers. You will not have to close the credit card due to commissions and paid service. Moreover, the card will help you earn - our clients receive up to 15% cashback in bonuses, which they then exchange for money.
Apply for our best credit cardHereand get a decision in just a few minutes! You can pick up the approved credit card at the nearest bank office or get a digital card remotely - it will instantly appear in the mobile app.
In what cases is it advisable to close a credit card:
she has a paid service and a large sum is debited from her account every month;
there is a risk of data compromise – for example, you paid with a card on dubious websites;
the card is linked to services that charge payments for subscriptions and services;
you are no longer satisfied with the terms of credit card jiangxi mobile number database servicing and use of borrowed funds;
the contract provides for a substantial limit, and you plan to receive a large loan from the bank and do not want the credit line to figure in the solvency assessment.
But there are also opposite situations in which it is better to leave an unclaimed credit card:
she has free service;
the agreement provides for favorable terms and a low interest rate - you are afraid that when you reapply for a credit line, the bank will change them;
you don’t have a financial cushion or money set aside for unexpected expenses, so you may need a credit card at any moment;
you have accumulated bonuses under the loyalty program, which will be “burned out” when the contract is terminated;
the card was not used to pay on dubious websites, its data was not compromised.
Experts recommend weighing all the pros and cons before contacting the bank to terminate the agreement. There are cases when borrowers close credit cards and then try to re-apply for them a few days later. Try not to act impulsively and make a balanced decision that is beneficial to you.
Sinara Bank offers to apply for a credit card "DA!" on favorable terms. It has free service and a grace period of up to 56 days, which applies even to withdrawals and transfers. You will not have to close the credit card due to commissions and paid service. Moreover, the card will help you earn - our clients receive up to 15% cashback in bonuses, which they then exchange for money.
Apply for our best credit cardHereand get a decision in just a few minutes! You can pick up the approved credit card at the nearest bank office or get a digital card remotely - it will instantly appear in the mobile app.