Today every minute is precious, and therefore one cannot do without such necessary and reliable payment methods as plastic cards. You no longer need to stuff your wallets and pockets with cash, going on a trip or visiting your beloved relatives. Opening a debit plastic card eliminates the need to have cash with you.
Not a card, but a wallet
A debit card is essentially your electronic wallet where you can store any amount of your funds. And this money is always under reliable protection - it will not disappear and will not be lost.
Debit (from Lat. Debet, which means "he should") - in this case, the amount of your own funds that are deposited with the bank and to which you have direct access (ie these funds are not a deposit or credit supply) …
Externally, debit bank cards are no different from credit cards. The fundamental difference is that money withdrawn from a debit card is spent from your personal - debit - bank account. The balance on these cards should only be positive, and the operation of debiting funds at the time of payment with a card in a store or, for example, a restaurant will take place only if you have enough money in your account.
However, there is a nuance, some banks offer debit (usually salary) cards with overdraft, i.e. a small credit limit that you can use if your own funds are not enough for the calculation.
The advantage of using debit cards is that no extra money will be spent and you will not be left in debt to anyone.
Using
With this card you can:
- make quick purchases on the Internet, - purchase traveller's checks, - pay for various goods in supermarkets, - skip the line and quickly withdraw cash at quick service points - at ATMs, - pay receipts and bills for utilities and other services, - pay in any country in the world without exchanging currency.
Even the salary can be quickly transferred by employers to the card. In addition, banks and airlines have joint projects, thanks to which you can receive discounts when using debit cards, or cashback - the accrual of a certain percentage of the amount of your purchase, which is returned to your account).
Types of cards
Debit cards are different - some can be used all over the world (international cards), while others only in their home country (local).
Any commercial bank should provide its customers with the opportunity to choose several types of cards of their choice.
Getting a debit card is easy. Bank cards are issued to individuals who have reached the age of 18, on the basis of an identity document.
Decide to start with the purpose of using the card, whether it is intended for travel or for paying for purchases. Usually, for international money transactions, cards of Visa or MasterCard payment systems are chosen. Cards that are circulated only within the borders of Russia are labeled “valid only in Russia”.
Each card has its own personal PIN-code, withdrawals and payments are made only after entering this unique password. In the event of a sudden loss or theft of your card, you must immediately inform the bank about everything for its blocking and subsequent restoration.
