Еще совсем недавно большая часть населения в our country did not know what plastic cards are and why they are needed, and after a few years almost every person has at least one similar means of payment. It is the lack of experience in the use of banking products due to the fact that many still do not understand what a credit card is, and what is a debit card, and how they differ. Despite the fact that when you draw up any card, bank employees explain some of the main points, the most important is usually ignored, so you have to figure it out yourself.
First of all, it is necessary to understand what isa credit card and for what it is needed. It is a payment and settlement document that is issued in the form of a name plastic tablet of a rather small size. In some cases, such a means of payment may not be personalized, however, then the available balance on it will be very small. Such cards can be used for non-cash payment of any products or services if the trading network is equipped with the appropriate equipment that reads information from the media and sends a request to the bank to allow payment.
Во время сеанса связи с расчетным центром the computer confirms the presence of the amount necessary for payment on the account of the buyer, then allows or does not authorize the withdrawal of funds. The size of the loan often depends on the conditions under which the card was issued. If it was issued with the salary, then the available loan will depend on the amount of monthly charges, if the client decides to issue the "credit card" on his own, then he will need a certificate of income for the last 6 months or the existence of an account with the issuing bank.
Where can I issue electronic means of payment
When preparing the documents, explain what isa credit card, as well as the rules for using this service, should the bank employee, however, if he did not do so, you can ask questions by himself or call the bank on the hotline and find out all the interesting points there. The most reliable is a credit card Visa, which is always personified. Some banks issue MasterCard cards, but very reluctantly, only for small loans. If the client has a positive history of using the funds, then after a while the amount of the possible loan can be increased by the bank independently or at the request of the client.
How to make payment cards
At the moment there are several optionsregistration of cards. Earlier, the procedure was carried out only with a personal visit to the bank, and the registration of all documentation took a lot of time. Relatively recently, it became possible to order credit cards through the Internet, which is especially convenient with a busy schedule and the inability to stay for long periods of time anywhere. In this case, the client is obliged to fill in the application form on the site, specify all necessary data there, send it to the bank and wait for a reply. However, it should be remembered that if a person does not really know what a credit card is, and is not sure that he needs it, it is better either to refuse to register it or personally visit the bank for a preliminary consultation. It should also be borne in mind that in the questionnaires it is necessary to specify only that information that corresponds to the truth, since the employees of the bank are obliged to check the client's history and its data.
Each bank has its own policy onissuance and maintenance of credit cards, so even if one banking institution refused to issue it, do not despair. Of course, the more unreliable and doubtful the borrower's data, the greater the interest rate for using money, however, this is a reasonable risk if everything is paid on time.
