Until recently most people in our country do not know what cards are and what they need at all, and after a few years, almost every person has at least one such means of payment.That lack of experience in the use of banking products due to the fact that many people still do not understand what a credit card, and that - debit and how they differ.Despite the fact that when you make any card bank employees explain some of the basic provisions, the most important thing is usually glossed over, so have to understand yourself.
First of all, you must understand what a credit card is and what it needed.It is a payment and settlement document, which is issued in the form of a nominal plastic plates quite small.In some cases, the means of payment can be impersonal, but then the available balance on it will be quite small.These cards can be used for cashless payment of any products or services if the sales network is equipped with the appropriate equipment that reads the information from the media and sends a request to the bank for payment authorization.
During communication with the computer processing center confirms the need for the payment of the amount in the account of the buyer, then allows or does not allow to make withdrawals.Loan size often depends on the conditions under which the card was issued.If she was given complete with salary, the available credit will depend on the amount of monthly charges if the client has decided to issue "credit card" on their own, it will need a certificate of income for the last 6 months or having accounts at the issuing bank.
Where can issue electronic payment
in preparation of documents to explain what a credit card, as well as the right to use this service should a bank employee, but if he did not, then you can ask questions about it yourself or call the bank by phonehotline and find out all the interesting moments there.The most reliable considered a Visa credit card, which is always personified.Some banks issue cards and MasterCard, but very reluctantly, only small loans.If the customer has a positive history of use of the funds, then after a while the amount of a possible credit can be increased by the bank on their own or at the request of the customer.
How to make payment cards
Currently, there are several variants of registration cards.Previously, the procedure was performed only at personal visit to the bank, and the execution of all documents takes a lot of time.More recently there was the opportunity to order credit cards over the Internet, which is especially convenient for the busy schedule of work and the inability to be away for a long time elsewhere.In this case, the client is obliged to fill in an application for anketu- site listed there all the necessary data, send it to the bank and wait for a response.However, be aware that if a person did not really know what a credit card, and not sure if he needs it, it is better to give up any of its registration, or personally visit the bank for prior consultation.It should also be borne in mind that in the questionnaires is necessary to specify only the information that is untrue, since the bank's employees are required to check the history of the client and its data.
Each bank has its own policy on the issuing and servicing credit cards, so even if one financial institution refused to issue it, do not despair.Of course, the more unreliable and questionable data from the borrower, the greater the interest rate for the money, however, it is a reasonable risk, if all pay on time.
