The advantages and convenience of non-cash payments have already been appreciated by many Russians, the country is slowly but surely switching to plastic bank cards, and the turnover of cash is decreasing. Among the services that banks offer to individuals, credit cards are especially popular. If you also want to issue such a card, you should take into account some features that will make its use as profitable as possible.
How credit cards of different banks differ from each other
There are many factors that together determine how convenient and beneficial it will be for you to use not only a card of a particular bank, but also different credit cards offered by the same bank. First, you need to determine how quickly you can get a credit card, what documents you need to provide and on what conditions you will use it.
Many banks provide such a service as registration via the Internet. By filling out the application form and attaching copies of the required documents, you can then receive the card at the bank branch or by mail, it can also be delivered by courier along with copies of the contracts, which will need to be filled out and sent back to the bank by mail. Some banks can issue you a card literally right away, and some - in a couple of weeks, and for it you will need to come to the bank branch, where an agreement on its service will be drawn up.
In addition, cards may have different credit limits, which depend on the income you specified, different interest rates for using a loan and cash withdrawals from ATMs, as well as different periods of preferential lending, during which no interest is charged for non-cash withdrawals from the card.
Another important point is co-breeding and bonuses. Cobrediting allows you to receive discounts by paying with a card with commercial partners of the bank - retail chains, mobile operators, air carriers, travel agencies, etc. You can receive bonuses for purchases that you paid with a card.
The main condition for the comfortable use of a credit card is the timely repayment of all charming monthly payments.
Which bank is more profitable to get a credit card
Knowing about all these nuances, you can preliminarily study all the offers that you find on the banks' websites. Read them carefully, compare which loan product seems more profitable to you. If, for example, you travel frequently using air travel, you can earn bonus miles using the correct card and then receive tickets for free.
Subject to compliance with contractual obligations and the maturity of the loan, interest rates on it can be reduced, and the credit limit - increased.
Having chosen several of the most attractive credit cards with different terms of service and use, you can visit the offices of these banks and additionally consult with managers. After that, your choice will be completely balanced and rational, which will provide you with the maximum convenience and benefit from using a credit card.
