How to choose a Bank card

In today's time plastic cards are a common household item for almost every family. The procedure of registration of banking cards has been simplified to a minimum, and for 30 minutes you can become the owner, or cardholder, one of them. But from the variety of cards offered by banks, to choose the one that is really necessary for you?

Instruction

Determine for what purpose you need a plastic card. All plastic cards offered by banks fall into two volume groups: debit and credit. Debit otherwise, payment cards represent a current account for individuals or legal entities that in the future you plan to transfer funds. There are several types of accounts that can include a debit card: current, Deposit, cumulative. Current account is meant only to transfers funds have been deposited, and their subsequent withdrawal after a certain period of time. If you have proven yourself as a bona fide customer of the Bank to a current card account, you can offer the service "overdraft", which is a loan of 2-3 average monthly income. Deposit and savings accounts are a way of keeping available funds, with subsequent charging them percent, the average is 10-18% per annum. Credit cards are intended for the implementation of the debit transactions for the funds provided by the Bank.

Specify the area of use of the Bank card. Plastic cards Visa electron and Maestro cards can only be used on the territory of the country where you reside. Visa and Mastercard can be used worldwide. There are varieties of cards of Visa payment system, namely: Electron, Classic, Gold and Platinum. Varieties of cards like Mastercard are the cards: Cirrus, Maestro, Mass, Gold, Platinum. These varieties differ in the size and cost of the services they include.

Determine the desired status of the Bank card. There are personal and non-personal card. For individual maps is indicated by the name and surname of the cardholder, but their production takes time, so the design of this card takes from 2 to 7 days. Non-personal card, otherwise, a bearer is a card instant issue.

Contact the Bank subdivision for issuance of a plastic card. Required documents for registration of the card will be your passport and identification code. But if it's a credit card, these documents still need to add a reference from the place of work for individuals or tax returns for business entities. After submission, you make an application to receive a Bank card, and then sign a contract for card account management.

Note

How to choose a Bank card? Estimating their future costs, each of us is faced daily with little problem, How much money we should bring? There are different types of cards, and you should be able to choose the most suitable. From Bank cards can be a huge list of options and features. Therefore, it is necessary to seriously consider the choice of map type and define that for You at the moment is a priority, what tasks should solve the map.

Useful advice

How to choose a Bank card. One of the most popular banking products today – a Bank card. More likely, especially in our country a common debit card. Just note that when you receive a card in the framework of "salary project" will sure that card debit and the Bank didn't give you the ability to use a certain amount of money as loan. Otherwise it may happen that you are removing money from your account, you can use these tools without knowing it.

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