In Russia, in 2017, the issuance of a new plastic card of the national payment system MIR began. Many organizations, including the Pension Fund, have switched to a non-cash form of settlement with clients. Pensioners can now receive their pension to the account of their pension plastic card. But is it necessary to purchase the MIR card?
Mandatory registration
Russian pensioners have the right to choose their own pension. Through the mail, that is, the postman brings it to them. Pensioners themselves can receive their pension at the post office. And they can receive a debit card account. If a pensioner chooses the latter, then he will have to issue a plastic card. This can be done by pensioners who are citizens of Russia and receive a pension in this country. To do this, you should contact a bank, for example a Savings Bank, and within 10 days the card for the applicant will be issued.
Pluses of the new map MIR
Each banking product has its own advantages and disadvantages. The main advantage of the MIR card is that it has a high level of protection. There are a number of other advantages: the card user does not pay a commission when withdrawing and replenishing the card, transfers. Operations are performed instantly. The card is serviced free of charge. It can be used throughout Russia.
Minuses
There are things that many card users, in particular pensioners, may not know, and banks, as a rule, keep them silent. The MIR card cannot be used outside of Russia. Not all Internet shops can use this card. This is especially true for overseas stores. Many paid services. There are restrictions on withdrawing money (limit). In addition, the bank can independently block the MIR card without the knowledge of the user, if, for example, a pensioner transfers money from it to other plastic cards or accounts. There are a number of other features that the bank should inform the client about.
If a pensioner likes to travel or use foreign shops online, then for these purposes he can open another debit card in Master Cart or Visa payment systems.
Card refusal
Suppose that for some reason the MIR card will not suit the user, the same pensioner. What to do? You can easily refuse it. This will need to be done at the bank that issued the card by writing an application. The application is written in two copies. The card must be destroyed in front of its owner. It is advisable to save the application in order to avoid any disagreements with the bank.
Can they force
Banks often impose the MIR card on pensioners - this is illegal. Citizens have the right to refuse it and receive a pension through the post office or to a bank account, where they can withdraw them at any time convenient for them.
Outcome
There are many disputes, opinions and disagreements around the MIR map. But, as time has shown, for people who are retired, there are still more advantages to using it than disadvantages.
