Bank cards have long been a reliable companion in everyday life. Every day they offer more opportunities. Credit card can not only withdraw cash but also to pay various bills online and shopping network. There are two types of plastic Bank cards: impersonal and personalized. The first type contains deposited on the surface of a set of numbers – card number. A personalized card, excluding accommodation, contains the name and surname of the person who opened the card account of the card holder. Not to be confused with card holder and its owner, as they differ significantly. The funds stored on the card belong to the cardholder so they are always at his disposal. Of course, there are exceptions – a court decision the Bank can block access to the account. While the plastic card is the property of the Bank, therefore, shall be returned upon expiration. This is usually spelled out in the agreement for servicing Bank card.

The additional card holder

In banking there is such a term, as an additional card holder. The fact that card account one, and attached to it a plastic card or two or more. One of them is main issued in the name of the account holder, and the holder of additional card can be family members or any entity trusted by the account holder. The convenience of this scheme is obvious: the same account holders of main and additional cards are able to use not dependent on each other. Often these cards offer parents their children-the students who are studying in other cities, to at any time have access to funds. To open additional card owner card account should contact the Bank and fill out a questionnaire. To open an additional card is on the person who is trusted and allowed access to their own money.

The holder of a corporate card

Corporate credit cards offer the business entities – legal entities – to facilitate control of travel funds. In addition, the opening of these cards relieve the accountant from unnecessary red tape with results by means of a report. In this case, the holder of a corporate card is an employee of the company in whose name it is open. This card is tied directly to the account of the legal entity and usually has a certain limit in order.