According to the data of the National Agency for Financial Research, the share of those who actively use bank cards in Russia will amount to 65 percent of the country's total population by 2017. Already today, almost half of Russian residents use cards in order to receive wages and other transfers, and 42 percent - in order to pay
various goods and services.
What is convenient map?
The wide distribution of plastic cards is determined by the fact that they are convenient and safe to use. For example, those who have plastic cards do not have to carry large amounts of cash with them, and they have the opportunity to pay in most stores without losing time on counting money and coins. They also have quick access to bank services. Most Russian residents use cards to receive wages, transfer pensions, social benefits and scholarships. In this case, the client does not make a choice in favor of a particular card, he simply agrees to what the bank and the employer are offering. If a person wants to independently receive this payment instrument, then it is required to make a choice from many different payment systems and banks.
Which is better: "Visa" or "Mastercard"?
The choice is to start with determining your own needs. This may help to understand which card you need.
- First decide if you need a credit or debit card.
- Decide on the planned use of additional products using these means of payment.
- Where will you use the card? If you plan to travel abroad, then find out how Visa differs from Mastercard.
- Pay attention to the classes of bank cards when applying for a means of payment.
All this will help you choose a card that will meet your needs.
Which is better: "Visa" or "Mastercard" (according to the territory of use)?
The issue of selecting a payment system is urgent for those holders who often travel abroad and pay for purchases in stores in other countries with a card. Accordingly, if you do not plan to use the card outside of Russia, then the question on the topic: “Which is better:“ Visa ”or“ Mastercard ”?” - is no longer relevant for you.
The main currency of the VISA payment system is the dollar, while MasterCard has the euro. This feature affects the comfort of use in different countries. Let's look at an example. You purchase gifts for your relatives in a London shop with a credit card.
- If you use the MasterCard payment system, then the funds from your ruble account will be automatically converted into euros.
- If you use VISA, then the settlement system first converts rubles into dollars, and only then into euros.
It is easy to guess which is better - “Visa” or “Mastercard” - in London. It is more profitable, of course, to have a second, since the conversion is paid once. Accordingly, “Visa” is more convenient to pay, for example, in New York, since when paying for goods, conversion occurs immediately from rubles to dollars. If you want to pay with a MasterCard, you will have to finance an additional conversion.
“Visa” or “Mastercard” - which is better (choose a card class)?
All cards issued by banks can be combined into several classes: electronic, classic and elite. You need to choose a class depending on what your needs are.
- Electronic cards will suit you mainly in order to cash out an account. You can also pay for goods in stores, but each time you need to enter a PIN code. The advantage is that they have a low cost for issuing and servicing, and it is also possible to receive and replace this payment method simply by visiting the bank office. The disadvantage is that you can not pay with a card on the Internet.
- Classic cards are suitable for those who actively pay for goods and services in a non-cash way. You can also advise them to tourists and businessmen who often go abroad. The card is produced for several days, as it is registered.
- Elite cards have additional privileges and capabilities. There is a program of discounts, as well as provided services in banks on preferential terms. The disadvantage is probably that annual maintenance is expensive.
So we figured out which card is better - “Visa” or “Mastercard”, as well as what features the cards have. So which one will you choose?