Numerous complaints of Sberbank customers who discovered on September 11 that the status of their debit cards in the mobile application was replaced by an overdraft card received a controversial continuation. Customers are not flustered for good reason, so the conditions for servicing debit and overdraft cards are usually different, since in the latter case the card becomes actually a credit.

As the newspaper "Vedomosti" writes, the explanations of the call center were not uniform. In one case, they talked about application failure - after the problem is fixed, the cards will again be displayed in debit status, the conditions for their maintenance have not changed. In another, they tried to convince that displaying debit cards as overdrafts is necessary for correct work with payments and transfers, although the bank did not introduce any changes in the terms of service.

On the page of Sberbank in the social network "VKontakte" on the fact of suspicion of the holders of debit cards about changing the conditions of their service, the following statement was published: "It's not true - you can not spend more money on the debit card than you have. The only exception is technical debt, in which Sberbank does not accrue interest. Overdraft on the card can only be resolved by you, not by the bank ".

The bank also explained that all debit cards of Sberbank are overdraft, for the majority of such cards the allowed overdraft is zero, so the card can only go to negative if the commission is debited or when accounts are seized. Other payments or transfers with zero balance are not carried out by this card.

As Yuri Gribanov, director general of the Frank Research Group explained to Vedomosti, debit card with overdraft and a credit card are very similar products, the only difference is that with a credit card you can be in the red for an infinite amount of time, and on a card with an overdraft it is possible to go into negative territory only for a certain period, stipulated by the contract. Credit card and overdraft card form different behavior of clients, experts say. In the case of overdraft, a client can easily find himself in a situation where he already lives permanently on borrowed funds, and the bank earns good money on this.