It is not difficult to get a bank card. It is enough to choose the bank, type and type of card and contact the nearest branch of the credit institution. After your conversation with the teller (or consultant) and filling out the necessary papers, the bank will start making the card.
It is necessary
- - passport;
- - the presence in it of registration at the place of residence;
- - a fountain pen (most likely, they will give it at the bank);
- - money to pay for bank services.
Instructions
Step 1
Bank cards belong to various payment systems, the most common are Visa and Mastercard. The cards of these systems can be used anywhere in the world where there is an ATM or devices for accepting payments by bank cards.
The main classes of payment cards: lower (Visa Electron, Maestro), classic (Visa Classic, Mastercard Standart) and privileged: Gold, Platinum, etc. The higher the class of the card, the more opportunities and bonuses its owner has, the more expensive is the annual service. With a low and average income, it makes no sense to overpay for privileges.
Step 2
Cards are also divided into credit and debit cards. The latter are also called calculated. On a debit card, only his own funds are available to the owner. On credit - also the bank's money provided to the client as a loan. There are also payment cards with overdraft: a credit limit, as a rule, small, provided in excess of the balance on the card.
Step 3
Your passport will be enough to issue a payment card. You may need to pay your annual maintenance fee right away. If you want a credit card, most often you will need one of the additional documents: international passport, TIN certificate, military ID, driver's license. The bank may also want to see documents proving your income.
Step 4
When choosing a bank, one must take into account the proximity of its branch to home, work, etc., the number of ATMs in the city of residence (having them in most areas is preferable to the one with one ATM for the whole city), the presence and breadth of the branch network in Russia, the possibility of cash withdrawal no interest in its ATMs and devices of other banks in the country and abroad, the ability to manage the account by phone and via the Internet.
Step 5
Reviews of other clients and personal impressions of visiting the bank and communicating with its clerks by phone are of great importance. If you don't like something, it is better to choose another bank. When studying reviews, pay attention to what kind of banking product the author used. If a person has problems with the return of a loan taken from a bank, then it is unlikely that his opinion about the bank will be positive.
Step 6
When the choice is made, it remains to come to the bank and inform the employees about your desire to get a card. Many banks have an electronic queue, but there are also many where there is a live one.
The bank employee will give you the documents to fill out and look at your passport.
It is possible that you will have to immediately deposit money for servicing the card at the cashier. But there are also banks where this is not necessary, the money is charged when it is first credited to the account. An option is also possible when it is necessary to immediately make a certain minimum contribution, especially to a card of a privileged class.
Step 7
When everything is done, the bank starts making the card. This process takes three days to a week. It is also possible to issue an accelerated card within a period of one day or more for an additional fee.
To get a ready-made card, most often you have to visit the office again. Many banks notify the client about the readiness of the card by phone, but not all. There are also those who send ready-made cards by mail to the client's address. In this case, you may need to activate it by phone.
Together with the card, you will receive an envelope with a PIN code. You will enter it into the ATM to use the card. Nobody except you should see and know the PIN-code.
