Plastic bank card. Bank card - what is it. By the nature of use

Cashless settlements have become part of the daily routine when shopping. An increasing contingent of the population is involved in using banking products through plastic payment cards. What are the main differences between a debit card and a credit (credit card), their advantages and disadvantages - you will find this information in this article.

Types of bank cards

A frequently used term for plastic substitutes for money - credit card, does not accurately reflect the actual picture (including cases with). In fact, credit cards are used less than 50% of the time when paying for services.

There are two main types plastic cards issued by banks are debit and credit. Their main differences will be described below.

These banking products can be prototypes of other types of payment cards:

1. Salary is the same as debit. Income in the form wages accrued under an agreement with the organization by the employer, where the card is issued. Here, an overdraft is possible with a specified limit, which is repaid upon receipt of salary. The main difference from credit and debit - limited sources of income - receive only from the employer.
2. Prepaid - calculations are carried out within the previously paid amount. The main differences from debit ones are the various ways of depositing funds into the account. Credit services are not provided. Can be used as a gift instead of money.
3. Overdraft cards - combine the functions of debit and credit cards, the main differences are erased. When issuing a contract, a credit limit for the amount of a negative balance is stipulated, within which spending on goods is possible. This card is possible to receive Money from various sources. It can have both a positive balance and a negative one (borrowing funds when making purchases by the client-holder). It is more convenient than cash.
4. International banking. Designed for the turnover of funds when making payments abroad, the conditions of issue may differ, and can also be used on the territory of the Russian Federation.

Local are used only within a specific ATM network. They did not receive much popularity, since they cannot allow them to pay in payment terminals, it is impossible to make Internet payments, it is impossible to conduct transactions in ATMs of other banks. As an example - a product from Sberbank under the name "Sbercard".

Debit card - what is it?

Debit replaces cash for settlements. That is, the amount you received as income is credited to the deposit account to which the card is linked. And you, within the limit of the funds that are stored in the account (that is, the actual money deposited into the deposit account), can use electronic money.

What may be its main differences from credit - no overdraft is provided for plastic (spending more than the deposited amount), with the exception of isolated cases in case of technical interruptions (unauthorized cost overruns) in work. On debit card a standard (usually small, up to 5% on ruble accounts) interest is charged on the account balance.

Credit card - what is it?

The main difference between credit cards is the possibility of a limited overdraft. The limit is set by the issuing bank when drawing up the agreement, while the bank considers the client's solvency.

Debit card and credit main differences

The main differences in the sources of funds on the card balance. For a credit card, the main difference in the source of payment is the bank's money, which it gives to the cardholder when paying for services, for example, in a store. This is done at a certain percentage. For serious banks, it usually does not exceed 33% per annum.

For a debit card, the main differences are money earned or transferred as income to the holder of the plastic. Here, interest is calculated on the balance of funds, and not on the size of the borrowed amount.

The difference between a debit card and a Sberbank credit card

The main difference between the plastic issued by Sberbank of Russia is in the amount of the overdraft limit. For some types of credit cards, it can be 600,000 rubles (the average borrowing amount is 140 - 150 thousand rubles). At the same time, the difference in the grace period provided by the bank is 50 days (the main period when interest is not charged on the borrowed money).

Sberbank also produces a line of plastic means of payment with the ability to purchase bonuses for air travel, “cash-back” (refund up to 5% of the purchase price), special offers for people of different age groups.

External differences between a credit card and a debit card

Outwardly, there are practically no differences, on the plastic of some banks you can read the word “credit” in the cipher of the bottom row, after the digital code number. There are no major visual differences.

Bank cards as a means of payment - what is the difference between debit and credit cards?

Advantages of using a credit card:

With such banking instrument you can afford to spend more than you earn. There is one significant disadvantage - in addition to returning the borrowed funds, you will have to pay interest on them.

Note that it is better if you refill the amount on your credit card before the grace period expires (50 days) and avoid interest charges. Positive moment compared to a cash loan from a bank - that you can use the money without reporting expenses and open new line loan, if necessary, without any paperwork.

Now many banks offer credit cards as a gift when receiving any services. It is very tempting to spend a little more than the amount earned when buying goods. But it is better to remember that the debt will have to be repaid and the methods of repaying it from banks are the same as with conventional cash loans. That is, if the deadlines for the payment of mandatory monthly payments are violated, you:

1. You may encounter the work of collection agencies.
2. The owner may receive bad story credits.

Modern payment systems offer their customers various plastic products, in the creation of which they are guided by factors such as the level of income and the social status of potential users. Each social segment of the population has its own categories of plastic banking payment products. And the higher the category of the card, the more options its user has. Today, payment systems, regardless of their type, offer three main categories of plastic cards:

1. Electronic cards.
2. Classic plastic payment products.
3. Premium class bank card.

Types of plastic cards and their features in terms of service level

1. Credit and debit bank cards the so-called entry level. This includes such types plastic cards like Visa (Electron, Electron Instant Issue), MasterCard (Electronic, Instant Issue), Maestro. These types of plastic cards are characterized by the lowest cost of annual service. In most cases, servicing an electronic bank card costs the user 300 rubles. But most banks also offer their clients non-personalized free Instant Issue cards, which each client can receive at a bank branch almost instantly. Many banks use electronic plastic cards as part of special retail lending programs for potential customers, salary projects etc. For example, Maestro plastic cards are often used by financial institutions within the framework of social programs(payments of pensions, scholarships, etc.).
2. Classic credit and debit banking products. These cards include Visa Classic, American Express Green Card, MasterCard Standard... These plastic banking products were originally intended for use by customers with a stable income. Distinctive characteristic cards of this type - the optimal ratio of the annual commission for service maintenance and the service offered by the financial institution and specific payment system. By the way, American Express cards are serviced on other, more attractive terms for users than other types of plastic cards from other payment systems. If credit cards the classic category were lost by the user, then he can use the emergency cash dispensing service that was stored on card account, or order the issuance of a temporary card for use abroad. Bank cards of this category provide for the user to deposit down payment into the account. Each bank has a different amount of this contribution. In most cases, it is 1.5 thousand rubles.
3. Premium category bank cards. These types of cards are classified as Gold or Platinum. In addition to their main function, these types of cards provide their owner with a number of additional options. Everyone has it financial institution countries have different terms of service for premium cards. For example, holders of Visa Gold or MasterCard World Signia can use the information service, or one of the insurance programs that banks offer to their customers. In addition, premium category cards often imply the opportunity to use various privileges, for example, to get a good discount at a certain restaurant or store, while booking a hotel room, etc. Bank cards of the premium category from American Express differ from similar cards of other payment systems in the features of their service and in the presence of a greater number of pleasant ones for the owner. bonus programs and privileges.

Classification of bank cards by type of use

There is another classification of plastic bank cards by type, depending on the possibility of their use:

Virtual bank cards... These types of cards were specially created for the implementation of payment and other financial transactions on the Internet. The card looks like the details of a bank card account, which are entered during the execution of virtual transactions.

International cards. By using these cards, you can conduct financial transactions outside the country. As practice shows, the most practical for international use are cards from payment system MasterCard, since the conversion of rubles to foreign currency happens automatically. International cards from Visa do not have this function. In addition, these types of cards are not used for virtual financial transactions on the Internet.

Local. These are types of cards that can be used to carry out financial transactions or withdraw cash only from ATMs and terminals of the "native" bank. Good illustrative example bank plastic products of this type are a microprocessor card from Sberbank.

Credit cards. Their owners can borrow from the bank without visiting a branch, but not more than the established credit limit. This type of card has Grace period, during which interest on the loan is not charged and you can return the money without commissions.

Debit (settlement) card. These types of plastic cards are intended for making non-cash financial transactions (including on the Internet), as well as for withdrawing cash from ATMs and terminals of different banks.

For registration of some types of bank plastic cards, it is not required to provide an impressive package of documents. And you can get cards in the period from several minutes to several weeks.

A bank card is a method of payment when paying for various goods and services. A plastic bank card provides its holder with the opportunity to withdraw cash from ATMs, pay for purchases, purchase railway (air) tickets, book rooms in hotels (hotels) and make a number of other necessary payments. Having a plastic bank card, its owner does not declare the funds on it when traveling abroad, and also promptly manages and controls all transactions carried out using a plastic bank card.

• settlement (debit) card;
• card with authorized overdraft;
• credit card;
• prepaid card;
• local card (card of local payment systems);
• international card (card of international payment systems);
• virtual card.

Payment (debit) card

A debit (payment) card is intended for carrying out financial transactions by its owner within the limits of the available funds that are in the bank account, but not more than the established limits.

Payment (debit) cards do not require thorough identity verification and examination credit history card holder, which significantly helps to simplify the registration process and significantly reduces the cost of service. Sometimes, interest is charged on the cash balance ( given condition negotiated with the bank when signing the contract), as on a standard deposit.

Card with authorized overdraft

This type of bank cards is a continuation of debit cards (their improved version). Many types of bank cards allow customers to receive funds on a loan if they are overdraft cards. The amount of the overdraft loan is negotiated at the very beginning when signing the agreement and opening an account. The overdraft amount cannot exceed the established (fixed) amount.

Credit card

Credit cards are intended for making settlements by its owner, which are carried out at the expense of borrowed funds, that is, funds provided to the client by the issuing bank within a certain limit established in accordance with the terms of the lending agreement. The limit is set by the bank based on the borrower's solvency. As a rule, interest is charged on the cash balance, but it is much lower than on debit cards with an authorized overdraft.

Credit cards are gradually replacing consumer loans and available emergency loans. The main advantage of a credit card over loans is the possibility of misuse of borrowed funds. Credit cards are redeemed evenly, after repayment of the debt, the bank renews the line of credit.

Prepaid card

These types of bank plastic cards are intended for making settlements by its owner, carried out at the expense of the issuing bank on its own behalf. The lender confirms the right to claim the owner of the prepaid card against the issuing bank when paying for various goods (services, works, results of intellectual property), as well as issuing cash.

Many Russian banks(including some types of bank cards of Sberbank) issued prepaid and gift cards. Gift card is called a prepaid card, which gives the owner the opportunity to receive goods (services) for the specified amount of the card. These cards are usually used as a gift instead of a traditional cash or "clothing" gift.

Local card (card of local payment systems)

A local card can only be used at the cash register terminals of the lender-issuer, at ATMs, as well as in retail chains where the terminals of the given lender bank are located. One of the striking examples of a local payment system card is a microprocessor-based plastic card from Sberbank of Russia (Sbercard).

It should be noted that such cards are not accepted by ATMs and terminals of third-party banks. Payment for goods using Russian local cards in online stores is also not available yet.

International card (card of international payment systems)

These types of bank plastic cards are used in international payment systems. Especially popular and affordable in the world are MasterCard cards (of which MasterCard Cirrus and MasterCard Standart) and

What are bank cards? Hey! An unpleasant incident happened to me during a business trip to Kazan.

The organizers of the meeting took me to show the city in the evening. But on the way back to the hotel, a car broke down.

And I had to get to her on my own. At that moment the police stopped me.

Guys, you see, the plan needed to be fulfilled or they just wanted money. But I always have a minimum of cash with me, the rest is on the card.

At the right time, I remove it without interest from my Visa. And what other bank cards there are, I'll tell you right now.

There are several types of bank cards, they differ in the territory of application, in the belonging of funds and in purpose. Let's consider each type of bank cards in detail.

1.According to the area of ​​application:

• Local
• International
• Virtual

Local (intrabank) cards are intended to carry out transactions strictly in the system of the issuing bank. It can only be used at ATMs and terminals of your bank.

A warning!

ATMs and terminals of other banks do not service such a card. You can also pay for purchases at retail outlets only if you have a terminal of this bank, which is quite a rare occurrence.

This card does not allow making transactions on the Internet, with the exception of transactions on the website of the issuing bank, if it provides such an opportunity.

International bank cards- these are cards of international banking systems... The most popular are Visa and MasterCard systems. The cards of these systems are of several types and differ in their functionality.

The most popular of them allow you to make transactions in almost any ATMs and terminals around the world, as well as pay for purchases via the Internet. The vast majority of cards issued by banks are based on these payment systems.

Virtual bank cards- these are cards designed to carry out transactions exclusively via the Internet.

By appearance they are almost indistinguishable from conventional debit cards, but they lack a magnetic stripe and chip, which makes it impossible to use the card in ATMs and terminals.

Also, the cardholder does not have the opportunity to receive cash at the cash desk of the bank branch, except for the case of closing the card if there is a positive balance on it.

Thus, the virtual card is rather the account details presented in the form of a bank card.

2. By ownership of funds

Debit

With authorized overdraft

Credit

Prepaid

Debit (payment) bank card allows you to make transactions within the funds available on the account. That is, the cardholder can only use his own funds.

Attention!

The bank can set the level of the minimum balance - a certain amount, upon reaching which the client cannot perform operations until the account balance is replenished.

Also, in the conditions of the bank, the accrual of interest on the balance of funds may be stipulated. The debit card serves mainly as a substitute for paper money and also allows you to make payments on the Internet. Most of the cards issued in Russia are debit cards.

Bank card with authorized overdraft- this is an improved debit card, a feature of which is the ability to exceed the existing ones on the account own funds.

The excess funds are carried out at the expense of a loan, which is automatically opened on the card when the amount of the transaction being performed exceeds the positive balance.

The amount of the overdraft is fixed and is stipulated in the card opening agreement. Cards with authorized overdrafts are often linked to salary project accounts, and therefore the issued loan is repaid automatically when the salary is transferred.

Also, automatic payments can be made on the account, despite the lack of funds, which will also be equated to a loan. The commission for the loan begins to accrue from the moment the limit of own funds is exceeded until the amount of the required amount is credited to the account, taking into account the commission.

As a rule, interest rates for overdraft transactions are higher than for conventional loans.

Credit card is intended for performing operations with borrowed funds. By its properties, a credit card is almost the same as a loan.

A warning!

The main difference is that funds can be used as needed, while interest is charged only on the amount that was actually used.

Credit cards are reusable, that is, after repayment of the amount taken, you can use it again credit funds... At the same time, for periods when credit funds are not used and there is no debt on the account, no commissions are charged (except for payment additional services e.g. mobile banking).

The loan amount is set individually for each client and is determined according to the same principles as when applying for a regular loan.

Another feature of a credit card is that it does not assume a positive balance. That is, even if a "plus" was formed on the card account when depositing funds, it cannot be used for anything other than repaying the loan after using it in the following operations.

These funds are written off within the loan repayment period established by the agreement. Interest on credit cards is usually lower than on cards with authorized overdrafts, but higher than on regular loans.

An important difference between a credit card and a regular loan is the presence of the so-called "grace period" - a certain period during which interest for the use of credit funds is not charged. The length of this period differs from bank to bank, but on average is 50-60 days.

It should also be remembered that it is beneficial to use credit cards when paying for purchases directly with a card, since most banks charge interest for withdrawing cash from ATMs, on average 3-5%.

Prepaid bank card- this is a card on which at the time of its purchase there is a certain amount, and calculations are made on behalf of the issuing bank. A prepaid card allows you to make purchases or pay for services in the same way as a regular debit card.

The bank that issued the card can impose restrictions on the use of the card, for example:

1. short term of validity of the card, after which it will not be possible to use it or replace it;
2. inability to return funds in case of loss of the card or after the expiration of its validity period;
3. lack of the ability to cash out;
4. inability to replenish the card account.

If the amount on the prepaid card does not exceed 15,000 rubles, then the bank does not require customer identification. Gift bank cards are a type of prepaid bank card.

3.By appointment

• Personal
• Salary
• Corporate
• Pre-released

Personal bank card is drawn up by the client independently and used by him for personal purposes. Due to the fact that the client starts a card on his own initiative, he, as a rule, does it consciously and strives to ensure that the card most fully meets his needs and gives some advantages.

Salary cards are issued to an employee of companies within the framework of salary projects (an agreement between an enterprise and a bank on the transfer of salary to cards).

Attention!

The conditions for using salary cards are usually more favorable than when using personal ones. In addition, for holders of salary cards, banks usually greatly simplify the process of applying for a loan, and credit conditions can be preferential.

Depending on the specific organization, you may need to return the card after your employment with the company, or continue to use it until the expiration date.

Corporate cards are issued for the purpose of making prompt purchases and paying for services by company employees in its interests, for example, paying for restaurants, gas stations, car washes, etc.

The funds on the card account belong to the company and are taken into account in the calculation of own funds. In this regard, all operations carried out on the card must be confirmed by checks and other documents confirming the intended use of funds.

Pre-issued bank card- This is a card that is issued even before the client writes an application for a card.

Such a card does not initially contain information about its owner, it does not indicate the full name. The card is attached to the account, which is opened for a specific client.

Such a card makes it possible to perform all the same operations as a regular debit card, including using an online bank, and receiving interest on the balance of funds.

However, for security reasons, it is not recommended to use such cards as main ones and store them on them. large sums, since the payment for them does not require the presentation of documents. In addition, cards may not be accepted for hotel bookings, car rentals, and payment at some online stores.

A warning!

Pre-issued cards are very convenient when you urgently need to issue a card, because in this case the procedure will take a few minutes. They are also often used by banks to pay interest or to replenish a credit account.

source: http://fingramota.org/lichnye-finansy/karty-i-platezhi/item/95-kakimi-byvayut-bankovskie-karty

What are the types of plastic cards

The problem of using plastic cards is very urgent today. Many people are interested in knowing what it is, how to use them, what types of plastic cards exist, etc.

The card is a kind of personalized payment instrument, thanks to which you can make purchases without having cash, as well as receive money at a bank branch and ATMs. That is, it fully replaces cash.

The advantages are obvious:

1. you do not need to carry large amounts of money in your wallet;
2. the cardholder receives a monthly report, thanks to which you can see a clear financial picture;
3. unlike a card, money can be stolen, and if this happens to a card, it can be immediately blocked, and the money will remain safe and sound.
4. And besides, many card users are provided with various discounts, bonuses, etc.

I would like to note right away that not all plastic cards are credit cards, as some people assume. They are divided into the following main types:

• credit,
• debit
• payment.

A debit card is a kind of quick access to an existing bank account... This means that you cannot spend more money than you have in your bank account.

Such cards are most convenient for those who want to tightly control their finances. In addition, banks prefer to issue exactly this type to customers who are just starting to use cards.

Naturally, before the bank entrusts its money to someone, it is necessary to thoroughly check this “someone” so as not to be left with nothing.

What are credit cards? The name suggests that this is a kind of loan. To some extent, this is true. For the holder of a credit card, a loan is provided, the size and interest rate of which the bank sets on an individual basis.

It depends on many factors, but mainly on the client's credit history and income. So, having a credit card, you can purchase goods for the bank's money. But not everything is as simple as it seems.

Advice!

Having paid with a credit card, you must return the money taken. It is better to give them during the grace period, since at this time no interest is charged on the amount borrowed. If you pay later, interest is charged for each day from the date of purchase.

Each bank sets its own grace period, but, as a rule, it is a period from 2 weeks to 50 days, in some cases even more.

A debit card is usually used for everyday expenses: groceries, utilities, small purchases, etc. More expensive goods, as well as expenses during travel abroad, are paid by credit card.

There are also prepaid cards, which do not require a constantly replenished bank account to open. It is issued upon depositing a certain amount of money.

After activating the card and registering the deposited amount in the individual personal account, it acts as a means of payment: it can be used to pay for services within the free balance in the personal account.

So, we figured out the types, and now we will consider the types of cards of such well-known companies as Visa and MasterCard.

Bank cards Visa and MasterCard

Visa offers the following products:

1. Visa Electron
2. Visa Classic
3. Visa Gold
4. Visa Platinum
5. Visa Infinite
6. Visa Virtual

Visa Electron- very popular in Russia. It is issued to customers with zero or minimal banking history, as well as to those who have no experience using cards at all.

A warning!

Often, programs to promote the card are also aimed at certain social categories citizens: youth, students, consumers who purchase for the first time payment card, clients with limited income, etc.

Visa Classic. This card is accepted at all locations marked with the Visa logo. It is intended for those who already have experience using cards, as well as clients with an average income.

Visa Gold is a type of Visa Classic card with additional features... It is used to withdraw cash, as well as to make purchases in any trade and service enterprise with the Visa logo.

Typically, such cards are issued to customers with a long and impeccable banking history. Using a Visa Gold card, you can get discounts, bonuses and profitable offer under the international program of special offers Visa (Visa Special Offers).

The main characteristics of the Visa Gold card:

• minimum spending limit from 5 thousand US dollars (or the equivalent of the amount in national currency);
• legal and medical advice and assistance in emergencies.

Among the additional services that issuing banks offer holders Visa cards Gold, there may be the following:

1. travel insurance, luggage insurance;
2. access to VIP zone airport;

Visa Platinum This card has even more advantages than Visa Gold.

Main characteristics:

• the minimum spending limit is from 10 thousand US dollars or the equivalent of the amount in national currency (twice as much as with a Visa Gold card);
• the minimum daily limit for cash withdrawals is not less than USD 200;
• urgent replacement of the card on the next business day or the issuance of cash up to 5 thousand US dollars to customers who have lost the card or from whom it was stolen abroad;
• helpdesk customer support;
• legal and medical advice, as well as assistance in emergencies.

Additional services that issuing banks offer to Visa Platinum cardholders may include the following:

1. full travel insurance;
2. access to the VIP area of ​​the airport;
3. services of a personal manager;
4. Special offers from outlets (for example, discounts when buying goods, renting a car, etc.);
5. incentive and bonus promotions;
6. account management by phone;
7. preferential interest on overdraft.

Visa Infinite occupies the highest position in the structure of Visa cards. It provides its owner with a set of exclusive services, including:

• 24/7 support of a personal manager to meet business and personal needs,
• travel insurance up to $ 1 million,
• unique discount program- elite discounts and special offers around the world.

The spending limit for the Visa Infinite card is from $ 20 thousand. The card can also be unlimited, which remains at the discretion of the bank.

Visa Virtual not catered for in actual stores, but intended for online use only. It was created to increase customer confidence in e-commerce. The card has its own number and expiration date.

What does MasterCard offer us?

1. MasterCard Electronic, like Visa Electron, is issued to customers with zero banking history. You can use it to make purchases quickly and safely.
2. Thanks to MasterCard Standard, you can have round-the-clock access to cash through ATMs, round-the-clock assistance and advice in more than 30 languages, and other services.
3. With MasterCard Gold you will have an increased purchasing power, increased spending limits and other benefits.
4. MasterCard Platinum includes all the benefits of Standard and Gold cards, as well as an even larger spending limit.
5. The MasterCard World Signia card does not have a predetermined limit, and its authorization depends on many factors, including the credit history of the cardholder. Maximum size the loan is set by the issuing bank on an individual basis. Also, the client is provided with special travel benefits that do not have a limitation of the period of action, and personal service.

We wish you good luck in choosing and using your payment card!

source: https://shkolazhizni.ru/money/articles/7147/

What is the difference between bank cards

Credit card or "credit card" - these terms are often used to name any bank card, but not all types of bank cards can be called credit cards.

Credit, debit cards, salary, virtual, additional cards, overdraft - simple terms for a bank employee, but not always precisely understood by us. It is about what they mean and will be discussed in this article.

The main types of bank cards

Credit cards are issued so that you can use the borrowed funds for cashless payments, that is, at an ATM or online. These cards are issued when you apply for a loan, so they also have a corresponding card name - credit card.

Outwardly, they are no different from another type of plastic cards - debit cards, but only outwardly.

• Firstly, the cost of the annual service of a credit card is slightly higher than a “simple” debit payroll card.
• Second, the credit card's ability to transfer money from the credit card account to other card accounts is limited. Funds can be withdrawn from it only in cash at an ATM, or spent cashless way to pay for purchases. These are important differences, but there are a number of other features as well.

You can dispose of credit funds at your own discretion. Pay for purchases or services, sometimes even exceeding the card credit limit (overdraft). But every month, until a certain date, if you have a debt (negative balance). You are required to make a contribution not less than a certain amount ( minimum payment). It includes all the bank's expenses for servicing this card, including interest on the loan provided.

V different banks set their sizes minimum payment, but, as a rule, it depends on the size of the card limit and is measured as a percentage of it. For example, 4% will mean that the monthly minimum payment from the limit of 100,000 rubles will be 4,000 rubles.

Attention!

After full repayment mortgages on a loan, a credit card must not be "forgotten". If you are no longer going to use borrowed funds, be sure to contact the bank branch and write a statement to close the account. Active card can cause a debt to appear.

The advantages of a credit card are many. You can use it for an unlimited time anywhere in the country, including abroad. There is no need to repay the entire amount of the debt strictly before a certain date specified in the loan agreement, as in the case of a regular loan.

The main thing is to pay the monthly minimum payment on time. For borrowed money banks, as a rule, use a special refund mode, which allows reusing the same amounts over the years. But be sure to check this possibility.

When issuing a credit card at Sberbank or another bank, you must also take into account that you will have to return not only the loan amount and interest. Per annual maintenance and early re-issue of the card there is a fee.

For withdrawing cash from an ATM, you will have to pay a few percent (3-4%). If you have connected SMS banking, a certain amount (30-60 rubles) will be debited from your account every month. If you forget the PIN code of the card, you will have to pay for the receipt new card and etc.

How debit cards differ from credit cards

What are debit cards is well known to those who receive a salary on the card. But often we use the familiar term "credit card" for them, as well as the word copier in relation to copiers. Few people know that this is just the name of the firm of the first models of these devices in our country.

The money on the debit card account is completely "yours" and has nothing to do with the credit. This is primarily your salary, pension, scholarship, various social payments that are credited to the card account.

You can also top up your debit card account in a different way. The easiest way is to deposit cash through an ATM or make a transfer from another card, passbook, deposit, etc. In short, a debit card is your plus (Debit) and credit card- your minus (Credit).

It's so easy to remember how they differ. Another important difference is the interest for cash withdrawals from an ATM.

Interest for cash withdrawal from the card

When withdrawing from an account, for example, a debit salary card of Sberbank, there is no fee (commission). Moreover, this is provided for all types of Sberbank debit cards, but on condition that you withdraw cash through a Sberbank ATM. At the ATM of another bank, you will already have to pay.

But when withdrawing money from an ATM from a credit card, even in a "native" bank, in the monthly report you will see a column - the percentage for cash withdrawals, and sometimes it can reach several percent.

Advice!

It is better not to withdraw cash from a credit card at all. It is much more convenient and profitable to use such a card in a non-cash way, especially since almost all banks provide owners credit cards grace period for loan repayment.

Return these funds on time and you will not be charged interest on their use.

Commissions charged for card transactions

If, from the point of view of a financier, you look at all the operations performed with cards, then the list of them may consist of several dozen of them. For example, transferring salary to a card, paying for purchases in a store, transferring money from card to card, converting currency, paying for services mobile communications etc.

Therefore, for practically any operation, the bank must take a payment or a commission, which actually happens, at times, greatly disturbing us. But these payments are the cost of the bank's services and you have the right to use them or refuse.

Therefore, before receiving the card, specify how much, but the bank will withdraw money for servicing the card, reissuing a bank card, withdrawing cash, requesting the balance of the card account, SMS information, etc.

Banks charge commissions for card transactions of any kind, both debit and credit. Some of them set a monthly account maintenance fee or pay for each transaction. Other banks provide most of these services for free to attract more customers.

What other types of bank cards are there?

A warning!

It is important to clearly understand how a credit card differs from a debit card, it is important to know what are the conditions of their service and content. But since we live in modern world electronic money, you need to feel confident in other matters, for example, to know what a virial, additional card, overdraft, etc. is.

In addition to a credit and debit card, there is also a "middle sister". These are the so-called overdraft cards.

Overdraft is difficult to pronounce and even more difficult to remember, but if you hear this word somewhere, know that we are talking about the opportunity to spend more money from a debit (sometimes credit) card account than there is. Simply put, to lend money "until payday." That's it until payday, since overdrafts are usually allowed for salary cards.

Very often, cellular companies use an overdraft, making it possible to talk on a loan (although we did not ask for it), informing after that your balance is minus 350 rubles. This is approximately what happens with a card with a permitted overdraft. A kind of symbiosis of "own" money with the credit funds of the bank.

The main feature of the overdraft is that the interest for the use of such funds is quite high and they must be returned on time.

The additional card "duplicates" the main card and is most often used for payments on the Internet. The purchase amount is transferred to it, and after payment the balance of the card is "reset", which prevents theft of funds and at the same time protects the account of the main card.

Sometimes such a card is used for other purposes, for example, to allow withdrawals from your card account. small amount relatives or confidants. Principle of use virtual card the same as additional card, only it is intended to pay for purchases and services via the Internet.

How many bank cards do you need

Of course, it is very inconvenient to use several types of bank cards. It would be nice to have just one card. And there are fewer pin codes to remember and you will not get confused where, how much and when to pay. And the payments for the service, although small in appearance, run up from 5 cards decently over the year. And also, if connected mobile bank, additional, virtual cards. Some expenses. But so far there is no universal type of bank card.

To receive a salary, one type of card is used, for deposits- other types. To use credit funds, you need to obtain a credit card. To travel abroad and pay for purchases in foreign online stores, you need a special type of card, etc.

Attention!

Each type of bank card has its own characteristics and advantages, and depending on the purpose and capabilities of the card, you have to select it for specific conditions of use.

We can only assume that very soon you will not have to carry whole decks of bank cards with you, which with the help of modern technologies all types of cards will be combined into one card.

source: http://www.finuse.ru/vidy-bankovskih-kart.html

What are bank cards

Bank cards linked to personal account a certain bank is used to make payments, and this can be done even via the Internet. Today almost all banks issue several types of bank cards.

The card is made of plastic according to a certain standard - 85.6 × 53.98 mm, supplied with magnetic carrier... Recently, chip cards have been introduced. On the front side of the card (it can have any image) the name of the owner, card number, logo of the payment system and its validity period are indicated.

Bank cards are both domestic and international, which, in turn, are divided into:

1. settlement (or debit),
2. prepaid
3. credit
4. virtual cards.

Payment cards

With the help of payment cards, their holders can perform transactions within the limits established by the issuing credit institution. The spending limit for all settlements is the amount of funds in the client's bank accounts, or the amount of the loan provided.

Due to the absence of the need to thoroughly verify the identity of the owner and study his credit history, it simplifies the process of issuing a card and reduces the cost of its maintenance. Some banks charge interest on the card balance.

Credit cards

With the help of credit cards, their holders can make transactions within the limits that the issuing credit institution sets for the client in accordance with the conditions loan agreement... The bank sets the limit based on the client's solvency.

The funds remaining on the account may be charged with interest, which, as a rule, is an order of magnitude lower than the overdraft commission.

Prepaid cards

Prepaid cards are intended for settlement operations on behalf of the issuing credit institution, with certification of the right of claim of the prepaid card holder to the issuing credit institution, both for payment for goods (as well as works, services or results of intellectual activity) and for cash withdrawal ...

Intrabank cards

An intra-bank card can be used exclusively at the cash terminals of the issuing bank, its ATMs and at retail outlets where the bank's terminals are located. With this card, you can manage your account via the Internet. A typical example of an intrabank card is a microprocessor card from Sberbank (savings card).

International cards

International cards are used in international payment systems, which include:

• Visa (namely Visa Platinum, Visa Electron, Visa Classic and Visa Gold)
• Mastercard (namely Mastercard Platinum, Mastercard Mass, Mastercard Gold, Cirrus and Maestro).

Electron and Maestro cards, as a rule, are debit cards; they cannot be used to carry out transactions via the Internet, which increases their security during use. This is the cheapest type of cards to service and issue.

A warning!

The most popular cards in the world - Mastercard Mass and Visa Classic - can be either debit or credit, and they can be used to carry out electronic payments via the Internet.

The most prestigious are cards of the Gold / Platinum series, with the help of which you can emphasize the solidity of their owner.

Virtual cards

Many banks issue virtual cards that do not differ in appearance from ordinary ones, and are exclusively debit cards. With their help, you can carry out calculations exclusively on the Internet.

The owner of the virtual card cannot receive cash at the terminal or ATM. An exception is the closure of the card at the bank itself. In this case, the owner receives the balance of funds from the account minus the commission for closing it.

source: http://my-koshel.ru/content/53-kakie-byvayut-bankovskie-karty

Types of plastic cards

The use of plastic cards is becoming more and more relevant these days. In this regard, many have questions: what types of bank cards exist, how to use them, what are the advantages of using plastic cards.

Plastic card - non-cash payment instrument, which allows you to make purchases, withdraw cash at bank branches and ATMs, and completely replaces the use of paper money. signs.

The main advantage of using plastic cards is security. This fact is due to the fact that, if necessary, you do not need to carry large amounts of money with you, when there is a high probability of their theft or loss.

Banks also provide operational information about the state of the account. At any time you can get a report on the last financial transactions... In addition, most banks provide the "mobile banking" service, linking your cell phone to your credit card account, you can more quickly receive a report on the status of your account.

Moreover, the "mobile bank" allows you to block a credit card account, which is useful in case of loss of a plastic card.

Most plastic card holders may receive discounts on certain goods and services or the possibility of accumulating bonus points.

As already mentioned, there are several types of plastic cards:

1. credit
2. debit.

A credit card is a card that can be used to carry out a so-called overdraft, i.e. go into the minus. In a way, it looks like Bank loan, but with an individual interest rate and credit limit, which the bank determines for you individually, based on the level of your income, as well as your credit history.

Advice!

Having a credit card in your hands, you can buy goods and services on credit, but do not forget that these funds will need to be returned and it will be better if you pay off the resulting debt during the grace period, when the interest on the loan is minimal, or is completely absent. ...

After the expiration of the grace period, interest will be accrued, according to the tariffs established by the bank who issued the credit card. The most common type of bank cards are debit cards. They do not allow you to spend more funds than you have on your card account and help to ensure tight control over your financial resources.

A debit card does not allow you to spend more funds than you have, therefore, customers who are just starting to use credit cards are issued just such a card, because before trusting a customer, credit funds must be verified.

Popular types of bank cards: Visa and MasterCard

There are several types of plastic cards issued by different companies. The most famous of them are Visa and MasterCard.

Visa provides:

• Visa Electron is the most widespread card in the Russian Federation. It is issued mainly to those customers who have just started using the card system or customers without a credit history, but have a number of restrictions on its use. For example, not all online stores accept this type of plastic cards.
• Visa Classic - this type of card is accepted wherever there is a Visa logo.
• Visa Gold is the same as Visa Classic, but with additional features.
• Visa Platinum - has more opportunities than Visa Gold.
• Visa Infinite - ranks first among Visa cards.
• Visa Virtual - Used exclusively on the Internet.

MasterCard provides:

1. Mastercard Electronic - similar to the Visa Electron card in that it is offered to users without a credit history.
2. MasterCard Standard - allows you to withdraw money at any time of the day through an ATM.
3. MasterCard Gold has a high purchasing power.
4. MasterCard Platinum - contains all the advantages of Standard and Gold cards.
5. MasterCard World Signia has no predetermined limit.

It should be noted that the types of cards Gold, Platinum, Infinite have a large limit on the use of funds. For example, most banks set a cash withdrawal limit of 100 thousand rubles per day for Visa Classic cards.

A warning!

If you have a need to use large amounts of money during the day, then this type of card simply will not suit you. However, it should be borne in mind that banks charge an increased amount for servicing cards with a large limit.

Each type of bank card is attractive in its own way. Which one to choose is up to you. On our website you can leave a request for a credit card.

Plastic bank cards have firmly entered the modern life of almost every adult Russian. There are a huge number of them, how do they differ from each other and what do we, the users of these cards, need to know about them?

Debit cards

The very first and most important difference between plastic bank cards: they are debit and credit. Debit cards contain their own funds, but only non-cash - salary, pension, alimony, that is, an analogue of ordinary paper money.

Some debit cards come with - the ability to use the bank's money in debt if your own funds are insufficient. Most often, overdraft is provided by salary cards, and its size depends on the size of the cardholder's salary. The overdraft amount is usually a percentage of a salary or several salaries.

In addition to the permitted overdraft on the card, (technical) may arise when the card's expenses have exceeded the allowable limit. It can happen on both debit and credit cards.

Credit cards

Is an analogue of consumer loans. The bank issues a loan for a certain amount, the client pays for his purchases with a card.

Unlike loans and overdraft cards, credit cards have a grace period, usually about 50 days. If you return the money spent to the bank during the grace period, interest will not be charged.

They differ depending on the payment system, the status of cards, the complexity of their registration, tariffs and conditions of service ( interest rate, credit limit, service cost, grace period, availability of bonuses).

The target audience

The cards differ depending on who they are for: retired, student, gamer, shopaholic, traveler, oligarch, or anyone else.

Youth cards- these are cards designed for young people with low cost of service and bright design. Examples of such cards:

• youth card of Alfa-Bank.

Game cards- cards for gamers allow you to get cashback for games and upgrade your account.

The debit card from Alfa-Bank will delight WoT lovers with a gold cashback and a premium account for a month (at the first gold charge).