Choosing a credit card
Posted on Sep 16, 2000 08:15:27 AM
Before you make any major purchase, considered the consumer is always trying to assess the maximum sentence on the market, to listen to opinion of experts, get advice of those who had already purchased a similar product, and the like.
Segment maps grows faster pace. The competition is so strong, experts say that the further improvement of the conditions of issue of maps and tariff reductions are inevitable. Get a credit card today, it is much easier than a few years ago. In recent years, banks have to raise the maximum loan amounts on the cards. This reduces interest rates, fees for cash withdrawals, fees for issuing and card.
However, the more there are criteria by which you can navigate the world of plastic, the harder it is to the client to make a choice.
Most Russian banks are working with the two most common around the world payment systems – Visa and MasterCard. In our country, almost all institutions that accept credit cards, and take the one and another. And abroad, in general, too. So at this point much of a difference between them.
Class cards.
Both systems produce maps of the three options: Electron / Electronic, Classic / Standard and Gold. Visa Electron and MasterCard Electronic in Russia is often used for payroll, but credit is almost never. Visa Gold and MasterCard Gold are the product of an elite. Bonuses on these cards are more important than their less prestigious brethren, but often these small benefits overlap higher cost of their care. Therefore, the most popular, profitable and affordable for the majority of citizens are now the Visa Classic and MasterCard Standard.
Another criterion – the currency in which the nominated card account. Today, a credit card can be issued in rubles, dollars and euros. So the choice depends on exactly where you are going to use it. If within Russia, of course, the best card and ordered the ruble. And if you often visit abroad, it makes sense to think about the foreign exchange option, again depending on what country’s priority. If desired, you can select both options, there are two different maps. Worth noting that the interest from foreign currency accounts are usually slightly lower than on the ruble, but if you use the card at home, on the conversion you will lose much more than a win on the difference in rates.
The last stage – the choice of bank. With it most difficult to define. Today, credit cards released almost all the banks that operate with the money people. Before you run into any first got the bank need to start to compare conditions in at least several banks. Especially in our age of high technology to do this can be done without leaving home. Take a look at their own Web sites of banks, read the reviews of specialist financial resources.
bank,- Obtaining a debit card
- Withdrawals from a locked card
- Refunds for merchandise purchased by credit card
- Results for bank card
- Refunds on the map Service cash back