What kinds of credit cards do you know?It seems to be quite a simple matter, and "help room" is not required.However, the classification of banking products is rather complicated.More precisely, not that complicated, but extensive.Let's look at each of the criteria for classification in more detail.
Firstly, all kinds of plastic cards vary depending on the application: Plastic international, domestic and private payment systems.In the first case, the calculations can be carried out anywhere in the world, in the second - only within one country, the third - in the framework of a payment system, which belongs to the issuing bank.
way, any bank card, depending on who is the owner of the card account may be:
• Personal - issued to individuals, who are also the owner of the account holder and plastic.However, this is not always the case.A loving father, for example, can open additional cards for their children to be attached to the primary.The convenient solution for families with students;
• corporate - issued only to legal entities.Accordingly, holders - employees of a particular organization, which enjoyed its funds under the rules of domestic law;
• personalized - these include all kinds of bank cards to put on them the information data (name and surname of the holder, the validity, the bank's logo, a sign of the payment system).
second criterion - the type of account to which the holder has access.There are debit and credit card accounts.It's simple: the first allows the owner of plastic shopping and cash withdrawal only within the available funds in the account, while the latter - was allowed to take money on loan from the issuing bank (with all the attendant interest, the need to repay and other pieces).By the way, many citizens believe that the product in question may be either a credit or debit - of the rest of classification signs are not talking.
Depending on the technology used by the following types of bank cards - embosirovannye, magnetic stripe, with a microprocessor (chip).This is the third classification criterion.Embosirovannoy is a map on the surface of which the information is presented prominent symbols.This is done in order to make it easier to move data through a special paper holder and a device called imprinter.Magnetic stripe and chip (which microprocessor) - two sides of the same coin.In the sense that both of these elements contain the necessary information for the transaction.Only microprocessor is considered more secure storage than a magnetic stripe.Because a chip plastic and is more expensive.
Finally, all existing types of credit cards can be classified depending on the client segment to which they are intended.We are talking about ordinary and premium products of financial institutions.It is clear that the citizen, are paid through the card, insurance, valid when traveling abroad, completely useless.He would be enough conventional plastic.And now VIP-clients can not imagine their life without the "gold" and "platinum" cards.It's not only a convenient financial instrument that gives a lot of advantages, but also the detail, emphasizing the special social status.
