How to get a bank card?
A bank card is a convenient way to not only store savings, but also make purchases and travel. Using a bank card, you can pay for utilities, order goods in online stores, transfer money to relatives and friends. To take advantage of all these advantages is very simple, there are several ways to get a bank card.
You can get a bank card directly at a bank branch. To do this, you must have a passport with you and contact the nearest branch of a bank employee. After that, you need to write an application for issuing a bank card, which indicates the type of card and features of its use.
Payment for the production of a bank card can be made at the bank's cash desk on the day of application or on the day of issuing the card. It is also possible to pay for this service after the card is released - the required amount will be debited from the account when the balance of the new card is replenished.
Through the Internet
You can get a bank card without leaving your home.All you need is a computer and internet access. You must register on the bank's website and fill out an online application for issuing a bank card. In this case, you should pay attention to the conditions offered by the bank and the particularities of using the selected card type.
For example, you can get a Sberbank card either directly at a Sberbank branch or by filling out an online application on the website.
In some cases, when filling out an online questionnaire for the manufacture of a bank card, its release remains free. It is also possible to get bonuses in the form of 100 free days of service, for example, Alfa-Bank provides such options.
Types of cards
When you make an application for issuing a card, you should determine which type of card is required. There are at least 2 types of cards:
- Credit card
- Debit card
A credit card is used to get a loan from the bank at the right time. For the use of borrowed funds, the consumer pays interest to the bank. To get a credit card, you can also use the online bank, fill out an application, indicating in it the passport details, place and work experience.Such information allows the bank to determine the solvency and trustworthiness of the client. It is on the basis of the data of the application for issuance that the credit limit is determined, which is issued by the bank.
When using a debit card, the customer does not pay interest on the use of money, as in the case of a credit card, the fee is charged only for card maintenance. The presence of such a card provides the ability to make purchases and instantly perform deposit and transfer operations. You also need to remember that when you connect the service "mobile bank", which is available in almost all banks, there are additional features and benefits, which can be found on the official website of the selected bank.
The most well-known bank cards are Visa and MasterCard payment systems, which allow owners to take full advantage of operations both in Russia and abroad.
The main classes of payment cards:
- Lower: Visa Electron, Maestro;
- Classic: Visa Classic, Mastercard Standart;
- Privileged: Gold, Platinum.
Their differences are that the higher the class, the more opportunities and bonuses the cardholder has.It should be remembered that with the expansion of the range of services, the annual service fee rises. The privileged class of cards should be received at a consistently high level of income, with low and average income there is no sense in overpaying for privileges.
How to choose a bank?
When choosing a bank to which you need to apply in order to receive a bank card, there are a few important points to consider:
- The proximity of the bank and ATM to the place of residence, study, work;
- The number of offices and ATMs in the city;
- Bank branches in Russia;
- The possibility of an interest-free withdrawal or replenishment of an account at ATMs of other banks or abroad.
Terms of making a bank card depend directly on the bank, on average, the production of a card does not exceed 2 weeks.
After choosing a bank and card type, filling out a card issuance form, you just have to wait a while - and the bank card is ready!