Today we will try to figure out how to refuse the Mir card. Is it allowed to do this at all? Or in Russia should each person have the plastic mentioned without fail? Below we will consider all the features of working with "World" cards, their pros and cons, methods of receiving and refusing. If you thoroughly understand all this, then there will be no problems in the future.
Description
Can I refuse the Mir card? First we’ll try to understand what this is all about.
Plastic called "World" is a new type of bank card. More precisely, this is the name of the national payment system operating in Russia.
The product under study is a bank card that can be used to pay for purchases on the Internet and in ordinary stores. Today they try to give out this plastic to every person.
Card types
Can I refuse the Mir card? Before you understand this issue, you have to study the types of plastic.
Today you can get:
- salary card;
- retirement plastic;
- debit counterparts;
- credit cards.
The main thing is that all payments will be made through the national payment system of the same name. The Russian government believes that such an innovation will be very convenient.
Where to get
And where can I order the product under study? The answer to this question is not as difficult as it seems.
The thing is that the issuance of "Mir" cards is carried out either at specialized points of issue, or at partner banks. For example, they include Sberbank, VTB and other large financial organizations. A complete list of partners can be found on the official page of the Mir plastic.
How to make out
Some are wondering how to refuse the Mir card, even if there is no appropriate plastic. Therefore, it is recommended to study the procedure for drawing up a proposal.
Typically, actions come down to the following steps:
- Collection of documents. We will review their list later.
- Contact the card issuing office with a request.
- Waiting for card readiness.
After the plastic is ready, it can be picked up and activated. There is nothing incomprehensible or difficult.
Surprises for the population
Some will think how to refuse the Mir card, even if they did not apply to the bank with a corresponding request. And this is normal.
The thing is that now many financial organizations send the product under study to all their customers automatically. That is, without any knowledge of them. This is not the best phenomenon. After all, you also need to pay for servicing the Mir cards. So, it will not be superfluous to understand how to refuse the sent product.
Documents at registration
But before that, we will familiarize ourselves with the package of documents necessary for ordering a card independently. He is minimal.
In general, a citizen is required only a passport or other identification card. In some cases, a pension certificate or a certificate of citizenship may be useful.
Nothing more is needed. Making cards "World" does not cause any trouble to the population. But what if the need for this product has disappeared? Is it possible to refuse the Mir salary card or any other similar plastic?
Bank Responsibilities
Understanding this issue is not as easy as it seems. After all, the legislation says one thing, and society behaves differently. But, as a rule, without violating applicable laws. They are simply interpreted not quite correctly.
In Russia, banks in 2017 are obliged to provide citizens with the opportunity to issue study cards. By 2020, it will be possible to order Mir at any financial institution.
That is, banks oblige to work with the studied products. But what about the population? Is it necessary to have the appropriate plastic? And if not, then how to refuse it once and for all?
Mandatory holders
Can I refuse to receive a Mir card? In order to fully understand this issue, we will study the categories of citizens who must work with the mentioned payment system without fail.
Mandatory with the cards "World" in Russia will work:
- civil servants;
- state employees;
- pensioners;
- students
- military personnel.
Ordinary citizens are not included in the corresponding list. Therefore, we can assume that for them the mentioned products are not mandatory. Is it so?
Ordinary citizens and their rights
In part, yes. Is it possible to refuse the Sberbank Mir card to an ordinary person? But do not work with this payment system?
As we have already said, far from all citizens are required to draw up Mir cards for themselves. But in real life, the corresponding plastic is actively distributed among the population. Banks literally impose this offer.
In fact, you cannot do that. After all, this violates the current legislation of the country. Banks are required to provide the possibility of processing plastic "Mir", but not to impose them. Getting cards is the right of the population, but not an obligation. Therefore, a person may refuse to use the national payment system.
About transferring citizens to cards
"Can I refuse the Mir card?" - such a question is more and more common. This proposal is actively imposed on people, but it does not please everyone. And later we will figure out why.
In the Russian Federation, work is underway to transfer the population to plastic with the name "Mir". It is carried out in several stages. And one of them is the transfer of benefits and subsidies by bank transfer to the account of the corresponding plastic.
That is, from 2018 all state support in terms of finance will be provided only through Mir cards. Without them, drawing up benefits will be very problematic. And this must be remembered by the entire population.
Public sector employees and denial
How to refuse the "World" card to state employees? And does this category of citizens have such a right?
So far, yes. In 2017, state employees can still refuse to switch to the national payment system. But only under certain circumstances. About them later.
The main thing is that state employees are still not able to get involved with the proposal being studied. You need to know how to put the idea into practice. And then no problems with the salary of public sector employees will arise.
Senior Citizens and Cards
Is it possible to refuse pension cards to the Mir card? This is another pretty important question. After all, pensions in Russia will be transferred to citizens precisely through the national payment system.
Older people until 2020 can use any convenient way to receive retirement benefits. That is, they will be able to refuse the proposal being studied. But not everyone understands exactly how to cope with the task. And not every bank reports on the rights of the population.
Translation plans with dates
A few words about what the Russian government’s plans are regarding the Mir plastic. As we have already said, they want to gradually transfer citizens to use the national payment system. But this can only be done with success over time.
To date, the following plans for transferring citizens to Mir cards are known:
- from 01.01.2018, all allowances and subsidies will be charged only on the corresponding plastic;
- from July 2018, state employees will begin to transfer salaries exclusively to Mir cards;
- Until 2020, it is planned to transfer all pensioners to the national payment system.
There is no more information about state plans yet. Therefore, today it is not allowed to work with the proposal under study.
Alternative solution
How to refuse a Mir card to a pensioner or state employee? There is one way that will work even after 2018. What is this about?
The thing is that the plastic will be used by the state to calculate pensions, benefits, subsidies and salaries. But if you do not propose an alternative, it will be perceived as an imposition and violation of freedom of choice.
Therefore, state employees and pensioners can choose an alternative way to receive money. Which one? In cash! If the salary is issued in cash, then Mir cards are not required. The same goes for pensions.
But cash benefits and subsidies are not so easy to get. You can request them using savings books, but it is not yet known how this process will happen after 2018. It is possible that the MFCs and banks will begin to refuse to use savings books for the population.
Workarounds
Is it possible to refuse the "World" card to state employees? Yes. We figured out one way to implement the task. But this issue will have to be discussed with the employer. And not the fact that he will meet.
There is another scenario. It allows not to refuse once again from the Mir plastic, as well as use other bank cards. What exactly is it about?
Some advise just to get “Mir” plastic in one bank, and then get any other bank card there. Further, the citizen will be able to transfer funds from plastic to plastic without commission. For example, this technique works perfectly with Sberbank.
That is, a citizen indirectly refuses a card. First, funds are transferred to Mir, and then they are transferred to the selected bank plastic. There is nothing difficult or incomprehensible in this. To receive a debit card, it is enough to have an identification card with you. This is the simplest solution.
Opt-out
How to refuse a Sberbank Mir card? For pensioners or any other citizens - this is not so important. The main thing is that a citizen has the right to use other bank cards. And he is not obliged to receive the studied product. In any case, up to the points indicated earlier.
If the card is made by the bank automatically, you can not get it. In case of sending by mail - do not go through activation. Better yet, take a passport and contact a branch of a financial organization with a request for a return card. It is yet to be accepted and destroyed in the eyes of man.
Step-by-step actions of state employees
How to refuse the "World" card to a state employee? The best thing to do is:
- Contact your employer and discuss the procedure for receiving a salary.
- Arrange for cash withdrawals.
- Re-enter into an agreement or sign an additional agreement to change the method of issuing money.
It's enough. After the above steps, the Mir card will either not be made to this or that employee, or the plastic will simply lie without activation.
Pensioners and rejection (step by step)
Is it possible to refuse the Sberbank Mir card? Yes, and to do this is not difficult.
We figured out the state employees. And what about retirees?
Firstly, until 2020, you can not worry. Pensions can be obtained in other ways.
Secondly, it is allowed not to transfer to Mir cards until the validity period of the previously issued plastic expires.
Thirdly, to receive cash in cash, it is recommended that you follow these instructions:
- Prepare a package of documents. The list of papers will be presented later.
- Contact the FIU at the place of registration.
- Write an application for a cash pension.
It is done. There is nothing special about this. Unless sometimes it is problematic to collect a package of documents. An application for pensions “in cash” is preferably filed when registering as a pensioner.
Documents for a Senior Citizen
To cope with the task, an elderly person will have to prepare a certain package of papers. Which one?
Required to bring with you:
- passport;
- pension certificate (if any);
- work book;
- certificates confirming insurance periods counted as seniority;
- health certificates;
- birth certificates of children;
- SNILS.
This package of papers is enough. If there are certificates of the Ministry of Internal Affairs or awards / medals indicating the status of a veteran / member of the cavalry of the Order of Glory, they will also have to be presented.
Card pros
We found out how to refuse the Mir card in one case or another. What are the benefits of this plastic?
Its positive aspects include:
- the ability to service at all ATMs in the Russian Federation;
- independence from the political situation in the world;
- high level of cash protection.
These are the main advantages that the plastic under study has. But he also has flaws. For some, they seem essential.
Cons of the map "World"
Can I refuse the Mir salary card? Quite. And we figured out how to do it.
Why are citizens not too happy with the proposal? So far, the Mir cards have the following shortcomings:
- service exclusively in the territory of the Russian Federation;
- inability to pay for purchases in foreign online stores;
- cards are not yet accepted in all stores in the country;
- plastic service failures.
In addition, some do not like the terms of service of the Mir cards. They directly depend on the bank in which the plastic is issued. But in general, the fee for maintaining the card is from 450 to 750 rubles per year. Not so little.
Conclusion
Can I refuse the Mir card? This question will no longer cause any difficulties. All possible options for the development of events were presented to our attention.
Each person chooses which payment systems to use. And therefore, the Mir plastic is just another interesting government proposal.
