Introducing the Sparebanken Sogn og Fjordane Visa Kredittkort card
Sparebanken Sogn og Fjordane choose in 2021 to discontinue the use of its Mastercard, but it wasn’t long before Vestlandsbanken launched a new credit card; namely Sparebanken Sogn og Fjordane Visa Credit. Sparebanken Sogn og Fjordane – often abbreviated as SSF, can trace its history back to the year 1842 through the creation of Førde Sparebank, and is today the largest bank in western Norway and the eighth largest national bank.
We will start by saying that Sparebanken Sogn og Fjordane Visa Kreditt, fortunately, has much better rates than its predecessor. This is partly due to the fact that the new card came with travel and cancellation insurance included, unlike the previous credit card which did not get this. The Sparebanken Sogn og Fjordane Visa Kreditt is also equipped with a new cash back scheme, which gives you half a percent back on all purchases.
The Sparebanken Sogn og Fjordane Visa Kreditt has a credit limit of NOK 100,000, up to 45 days of interest-free credit, and an annual effective interest rate of 22.3 percent. You will see below, some of the points reviewed and the updates for its users to be up to date with all the new features and advantages.
Get cash back through Cashback
To bring you up to speed on this subject, I will explain how it works. Cashback is already a very popular term, but there are still some doubts about its functionality. Basically you will receive money back according to what was mentioned at the time of a purchase, you may receive a percentage, or a pre-defined amount.
As we mentioned at the beginning, Sparebanken Sogn og Fjordane Visa Kreditt is equipped with this functionality. At launch, this was called as simply as “1% cash back”, but with effect from March 1, 2022. Unfortunately, this rate has been halved, meaning it is now 0.5%. In any case, it works just as easily as before, which means you will get cashback on all purchases, whether you buy in a physical store, online or abroad. The so-called cashback occurs by Sparebanken Sogn og Fjordane cutting your account by the amount accumulated each month.
The disadvantage of this scheme is that it has a maximum limit of NOK 2,000 per calendar year, which means that it is quite limited in general. However, for those who did not enjoy this reversal program before, they are already making some kind of profit, even if in a limited way, and thus can use the amount obtained to buy, or even supplement for the purchase of something else.
Sparebanken Sogn og Fjordane Visa Credit: Travel insurance and cancellation included
Among the main advantages of the Sparebanken Sogn og Fjordane Visa Credit is the travel and cancellation insurance included. This is also valid for all trips, provided that at least half of the total trip costs have been paid for with a credit card. The insurance naturally covers items such as accidents, cancellations and delays, but like most insurance, there are also a number of other conditions with which they are still in use, we recommend that you familiarize yourself and avoid inconvenience and embarrassment.
However, what stands out most here, is that travel insurance also includes identity theft insurance. This can be a very beneficial item if they experience misuse of your identity, and full coverage is offered here for legal assistance and loss of earnings.
Conclusion: A reasonably good credit card
Led by a relatively competent effective interest rate, along with the included repayment scheme, the Sparebanken Sogn og Fjordane Visa Kreditt lands quite safely among the upper middle class, and can be quite useful and efficient. It also doesn’t hurt that the bank found room to include two insurance policies this time around, to say the least.
This kind of service is the basics of the necessary that every customer expects, as well as a fast, humanized service that can solve all the questions its users may have. And with the advancement of technology, companies have increasingly invested in building customer loyalty by offering these benefits and providing quality services.
As we mentioned at the beginning, the Sparebanken Sogn og Fjordane Visa Kreditt is a big improvement over its Mastercard-based predecessor, and this is because it has several other advantages. Sometimes it is hard to admit the fact that the change is really necessary, and if you already have the old card, it would be worth upgrading it to take full advantage of all the benefits.
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