Today, plastic cards are a common household item for almost every family. The procedure for issuing bank cards has been simplified to a minimum, and in 30 minutes you can become an owner, otherwise a cardholder, of one of them. But how can you choose the one you really need from the variety of cards offered by banks?
Instructions
Step 1
Determine for what purposes you need a bank card. All plastic cards offered by banks are divided into two bulk groups: debit and credit. Debit, otherwise, payment cards are a current account for an individual or legal entity, to which you plan to transfer funds in the future. There are several types of accounts that a debit card can include: current, deposit, savings. The current account is intended only for transferring free funds to it, with their subsequent withdrawal after a certain period of time. If you have proved yourself as a conscientious client of the bank, then you can be offered the "overdraft" service to your current card account, which is a loan in the amount of 2-3 average monthly receipts on the card. Deposit and savings accounts are a way of storing free funds, with the subsequent accrual of interest on them, on average, it is 10-18% per annum. Credit bank cards are intended for carrying out debit transactions at the expense of funds provided by the bank.
Step 2
Specify the territory of use of the bank card. Plastic cards such as Visa electron and Maestro can only be used in the territory of the country where you live. Visa and Mastercard can be used all over the world. There are such types of cards of the Visa payment system, namely: Electron, Classic, Gold and Platinum. The following types of cards are Mastercard: Cirrus, Maestro, Mass, Gold, Platinum. These varieties differ among themselves in the volume and cost of the services they include.
Step 3
Determine the desired status of the bank card. There are registered and non-personalized cards. Named cards bear the name and surname of the cardholder, but they take time to issue, so it takes 2 to 7 days to issue such a card. Non-personalized cards, otherwise, unnamed cards are instant cards.
Step 4
Contact the bank's department to issue a plastic card. Your passport and identification code will be obligatory documents for registration of the card. But if these are credit cards, then these documents still need to add a certificate of employment for individuals or a tax return for business entities. After submitting the documents, you fill out an application for a bank card, and then sign an agreement for managing a card account.
