Top MOST POPULAR questions about credit cards??? - News about real estate, Kiev, Kyiv region. Real Estate In Ukraine
From the point of view of the consumer no more interesting product of the banking market than a plastic card. Bank "plastic", being a relatively new product, for someone inexperienced still just a piece of plastic, but for someone who learned all the advantages over traditional banking services вЂ“ classroom assistant and personal "Finance Minister". We decided to answer the most popular questions about "plastic".From the point of view of the consumer no more interesting product of the banking market than a plastic card. Bank "plastic", being a relatively new product, for someone inexperienced still just a piece of plastic, but for someone who learned all the advantages over traditional banking services вЂ“ classroom assistant and personal "Finance Minister". We decided to answer the most popular questions about "plastic".1. Depend on whether the possibility of credit card type plastic card?Of course, because different types of payment cards provide their holders different possibilities. Therefore, if you decide to get a new credit card, select which type suits you. After all, some work only within Ukraine, some not served in the sales and service network, etc. To users it was easier to navigate, we have made a list of cards issued by the largest Ukrainian Bank, the Issuer PrivatBank (see layout).If you have no special requirements for the credit card, the best option is VISA Classic card вЂ“ it is inexpensive, and works abroad.2. Is it possible to increase the credit limit on the card?You can, but when this will happen depends on the client. If he initially draws the map on the lower limit (for example, the amount equal to five monthly salaries), in the future, for example after six months, having a positive credit history, he can contact the branch that issued the card, with a request to increase credit limit. If in this Bank he has a salary card, then the problem is solved very quickly. If not, then he will have to undergo the procedure of scoring (credit checks), and then the Bank will make a decision.3. What is the overdraft and grace period?Overdraft service called short term loan where the client borrows more than he has in the account. But I want to emphasise the size of the overdraft is the Bank in advance, and can only be credited within it. In other words, by accepting the card, the client knows the size of his overdraft, for instance, 1 thousand UAH, and if your own money in the account does not remain, there are a thousand hryvnia, but not anymore! Write-off of money in overdraft repayment happens automatically вЂ“ as soon as any money credited to the account, they are immediately transferred to the maturity.Grace period is the number of days during which interest on the loan or overdraft does not accrue. In other words, it is interest-free "vacation". Depending on technology, it can be from 30 to 55 days from the date of withdrawal, and can be installed on a calendar period (for example, with some on some day of the month).4. Is it dangerous to use the card received in the mail?No, absolutely safe. After all, the mail client receives just a piece of paper, no more! No PIN-envelope or PIN it gets. And without entering a code, as you know, the money in the ATM it is impossible to obtain. Furthermore, on account of I do not have money. They appear once the customer comes to the Bank with necessary for registration of the credit agreement documents and will perform all required procedures (type identity). After personal identification Bank activates the card, and only then it will be possible to withdraw money.5. Whether confidentiality when processing credit cards at the grocery store?As with all procedures related to banking services, issuing credit cards in the supermarket вЂ“ confidential. However, have to fill out a form and wait (usually no more than an hour), while the Bank will verify the identity and adopt a decision on issuing credit cards. Then several more minutes will it take to activate a card, and you can use it for calculations. But in General the procedure of registration in the supermarket is no different from conventional banking, except that time it takes less. But the amount may not be as significant, because customer checking "for eyes" is quite difficult, and the Bank does not want to risk big money.Types of cards of the international payment systems VISA and their advantagesVISA InfiniteThe most prestigious card in the hierarchy VISA. Their worldwide released just a few thousand. Among the holders of such cards many representatives of the global elite.VISA PlatinumElite card for vip customers. In the kit Platinum includes insurance policy, payment cards, loyalty cards and service cards, service standard VIP. Possible the card account currency вЂ“ the hryvnia and the US dollar.VISA Platinum MiniElite card Visa Platinum mini size is twice less than the standard. Payment card in this performance вЂ“ not just a means of simple and secure payments, but also a fashion accessory. Now you can purchase such a map can not only banks in Europe or America, but in PrivatBank.VISA ClassicStandard payment card. Available two options: international map International and domestic card вЂ“ Domestic. Is accepted at all ATMs, banks, stores logo VISA.VISA AutoРЎardStandard payment card. Available two options: international map International and domestic card вЂ“ Domestic. Discount program for motorists.VISA ElectronMass international payment card. Available only as an additional card. Only accepted in an electronic environment вЂ“ ATMs, electronic terminals, where the VISA Electron logo.VISA GoldElite card. A wide range of services. Participate in the discount club "PrivatBank VIP".Plastic cards of the international payment system MasterCardMasterCard World SigniaThe highest position in the hierarchy of cards of the MasterCard payment system. Even the signature of the cardholder on its face is applied "gold".MasterCard PlatinumElite card for vip customers. In the kit Platinum includes insurance policy, payment cards, loyalty cards and service cards, service standard VIP. Possible the card account currency вЂ“ the hryvnia, US dollar and Euro.Cirrus/MaestroMass payment card. Available only as an additional card. Accepted in banks/ATMs, sales and service points where you placed the logos of the Cirrus, Maestro. The lowest tariffs in the market of Ukraine.
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