Let's try to figure out what is a credit card, one of the Russian banks it offers, to whom, under what conditions.To begin to understand that it is not just a piece of high quality plastic, and full payment documents.In most cases, this product is personalized, that is, released on an actual person.It may be used for the purchase of all kinds of goods and services in the retail outlets, which are equipped with appropriate devices (POS-terminals).
Drawing up and use
As can be issued a credit card?By itself, the application procedure is very simple.Potential holder to apply to the bank branch must be resident at least 18 years of age, but no older than 60-65 years.However, given the scope of - the average requirement.In the sense that some financial institutions to issue such cards only 21 years old.It happens so that they do not give citizens older than 58 consecutive years.Since the product is described in the product line of almost every bank, nuances can be very much and consider them all at once is not possible.
In addition, banks issue credit cards to customers who are able to confirm their ability to pay.After all, anyway, and it is one of the types of lending.And here lenders do not want to take risks.Income can not confirm, but then the limit of funds available for use, will be more than modest.By the way, about the limit.Any credit card is "tied" to a particular card account.It said it set a limit means.You can use it both in the course of payment of goods and services, and by removing cash from ATMs.
Of course, in the event of debt requires a monthly pays interest for the use of funds and to return the body of the loan.So first go to a lender's return, and the second is returned to the card account.Simply put, the client has to deal with a revolving credit line that can be used forever.Rather, perpetually.
Now the main thing: whether a credit card to be profitable?Yes, yes and yes.
Firstly, there is such a thing as grace period, or grace period.If for some time to return all the money taken from the bank, the percentage of their use is not charged.Some financial institutions, however, tend to set the rate, which acts within the grace period.But its size - usually 0.01% per annum - can be regarded as purely symbolic.That, however, should not relax: "forgotten" at maturity of 20-50 rubles may subsequently become something big.The problem of forgetfulness helps solve service SMS notification of movements on the account, Internet banking, as well as the monthly statement.
Secondly, for some holders of salary plastic, as well as bona fide borrowers credit card (Sberbank, by the way, so famous) issued on preferential terms.The first is not necessary, for example, to confirm the level of their income.In addition, for those and for others there are special rates for the use of borrowed funds.
