Plastic cards are increasingly entering our lives, firmly taking their place and not going to give it to anyone. Of course, because the whole world has already stopped counting cash in your pocket, paying for purchases, large and small, with a card. What is the reason for this phenomenon? Why has opening a current account become so important to many people?
Advantages of plastic cards
Everything is very simple and easy - you need to open a current account and calculate all the advantages of this type of investment of your finances. Today, a huge number of stores prefer payment by credit card, as it is much more convenient. You should not look for a change, which for some reason is constantly absent, and create a delay in the queue of dissatisfied customers. Customers themselves also note this wonderful property of plastic cards. In addition, now the pockets do not ring from the little things, and losing a large amount of money has become more difficult. After all, if you lose your card, you simply call the bank hotline and block the current account, the funds remain in your account. Unfortunately, if you lose your wallet with money, this option does not work.
Also, many cards participate in various
loyalty programs and, thus, allow their holder to accumulate bonuses, which will turn into a pleasant discount when paying at certain stores. You can always view the current account in online mode in your personal bank account.
Disadvantages of plastic cards
However, despite all these advantages, there are several disadvantages. There is a chance that your funds will be stolen by scammers, who knew how your account was. So, your current account needs to be serviced, and you will be required to pay the bank for this, plus fees for cash withdrawals and the inability to pay by card in the outback of our homeland.
What you need to make requirements when opening your own account
The current account that you constantly intend to use must undergo several checks before you decide to order a card. First, decide what you need: a debit card or a credit card ? Credit will provide the funds of the bank for your use, but you will have to pay monthly fees. You will have to replenish the debit card yourself, but its nice feature is that a certain amount of interest is charged to your own funds . What factors should be considered when choosing a card?
The card must be Visa Classic or MasterCard. These are universal cards that allow you to pay in any country in the world. But the main factor affecting the choice of a card should be the level of interest accrued on your funds. Of course, the more the merrier! The debit card must fully meet these two conditions, otherwise it just does not make sense to order it. It will also not be superfluous to carefully select the bank in which you will store your funds. After all, a bank's good reputation affects its reliability, and this, in turn, will mean that your current account will be under excellent security.