In the financial services market in the field of lending, credit cards have become popular for a long time. The convincing advantages that this banking product provides to its owners are also explained by their popularity.
Almost everyone in life is faced with such a situation when, due to the lack of cash, which is banally not taken with them, they are forced to deny themselves the purchase of the desired thing. The availability of a credit plastic card will help in solving this issue.
However, do not flatter yourself too much, because the money taken on credit will need to be returned to the bank.
1. Credit plastic card greatly expands financial opportunities.
2. Bank credit cards and any others are a way to protect money from possible pickpocketing.
3. This is an opportunity to use the bank’s money for free. Many banks provide holders of their credit plastic cards with a grace period for using money, the period of which can exceed thirty days, and if you return the borrowed amount during this time, you will not have to pay interest.
Basic rules and procedures for credit card holders for their correct use
1. Having received a bank plastic card, you must remove it from the envelope and put your signature on the reverse side in a special field. In the absence of a signature, the card may not be accepted as a means of payment in trade establishments.
2. It is recommended to write down the data and phone number of the call center.
3. The four-digit PIN code must be kept confidential.
We pay with a credit card
The indisputable advantage of credit cards is the ability to pay them for purchases or services received.
With the development of the network of POS terminals and their installation in many retail outlets, the popularity of plastic is only growing. If you are going to make a purchase in a store, having come to a retail outlet, you should find out if they accept credit cards as payment and if the terminals are working.
When calculating, you must very carefully check the amount on the check with the amount written off. It happens that in some cases, when you own a non-registered plastic card, during the payment you need to enter a PIN card or present identity documents.
If you need to withdraw cash from the card, then it is better to do it at the ATMs of the bank that issued the plastic. However, it will be quite expensive to cash out due to the high percentage of the commission. It is much more profitable to use credit cards as a means of payment in trade establishments.
We repay debt to the bank
The most important thing is not to forget about making all the necessary payments. To avoid the accrual of penalties and penalties, they must be produced in full and without delay. You can find out about the size of the current payment through any ATM, and you can pay for the loan through special terminals or bank branches.
As a result, it is worth noting that using the card wisely and responsibly making payments on the loan, you can get quite a lot of winning points from its possession.