The value of a plastic card, both debit and credit, lies in the ability to maximally satisfy the needs of its holder. There are no unambiguous characteristics that could suit different consumers. Therefore, not trusting the choice of a card to a bank clerk, think before receiving it over the aspects and functionality of plastic that are important to you.
Instructions
Step 1
Choose a bank with an extensive ATM network if you only need a card as a substitute for a cash wallet. If you withdraw money frequently, you will need to consider the possibility of funding your account. To do this, choose a bank that has branches near your work or home.
Ask how loyal the bank you have chosen to its borrowers: it never hurts to have discount programs, bonuses for purchases, partnerships of the bank with various shops and salons. To pay for services or buy goods over the Internet, it is best to use virtual cards Virtuon and Virtual, intended only for use on the Internet.
Step 2
Decide on a payment system. If you are not going to use your card abroad, choose Visa Electron or Maestro. The advantages of expensive elite plastic (MasterCard Platinum, Visa Platinum or Visa Gold and MasterCard Gold) can be appreciated only abroad: it can be used to easily rent a car, book a hotel, and get discounts in stores. To save on commissions charged when converting funds, buy cards with an account in euros for a trip to European countries, and cards with a dollar account for the USA. Get a chip card if a high degree of protection is your main criterion. Remember: the higher the tier of the card, the more it will cost you to service it annually.
Step 3
When you receive a credit card, carefully study the terms of the contract regarding tariffs and additional commissions that go beyond the credit limit. Realistically assess your financial capabilities, ask to calculate the minimum payment, compare the annual percentage and the cost of annual maintenance.
Step 4
Evaluate the service offered by the bank where you get a credit card. Specify the addresses of the service offices and their opening hours, so that it is convenient for you to make payments on the loan. To pay off the debt at any time convenient for you, choose a credit institution whose ATMs are equipped with the function of accepting cash. If you do not allow delays in payments, the bank can provide you with more favorable terms for the loan. Many banks also have a practice of providing a cash back service, which implies a return to the card of a certain percentage of the amount of the purchase made.
