2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16
Who today does not know what bank cards are? If we talk about the appearance, then each of them is a piece of plastic measuring 53.98 by 85.6 millimeters, which can have either a magnetic stripe or a chip. The difference is that in the second case, the funds on the card account are considered more secure.
Any bank cards are a very convenient means of payment. No wonder that their number is increasing annually at a good pace. Through "plastic" Russians receive wages and pensions, scholarships in educational institutions, accumulate interest on deposits, and so on. There are several types of bank cards:
• Settlement cards are used to pay for goods or services within the funds available on the holder's account. The process of their registration is quite simple, and the cost of servicing is low. • Credit - allow you to use the funds of the issuing bank without going beyond the established limit, which is calculated based on the solvency of the citizen. There may be situations where the amountwithdrawn funds exceeds the limit. This means that the holder "climbed" into the overdraft. It has high interest rates, so try not to let it happen.• Prepaid is a great way to give someone a gift. It happens that you don't want to give money to a person. In this case, you can replenish the account of prepaid "plastic", and then give it as a gift.
• Intrabank - a special kind of payment instrument that can be used exclusively at ATMs, cash points and terminals of the issuer.
The product in question is completely universal. Each holder can either withdraw cash from the ATM network and pay for the purchase, or do it by bank transfer. Subject to the restrictions above.
It is also possible to pay for cellular communications by credit card. A very useful and convenient service, I must say. By the way, it can be performed both by order (by sending the corresponding SMS message) and as part of the service of automatic replenishment of a mobile phone account. Now I would like to dwell in more detail on such a variety as a virtual bank card. With her, the situation is like with a gopher from one famous Russian film: the heroes of the rodent did not see, but he was.
So this product is not "plastic" in its classical sense. This is a set of details that allows you to pay for goods on the Internet. Usyou just need to specify the card limit, get the number, CVV code and its validity period. Most often, this product is issued in the case when they do not want to risk funds on the main account. Even if the mentioned information is compromised, virtual bank cards cannot be used to withdraw money under any circumstances. Unless you can buy something on the Web with their help. But only within the limit. So don't set it too big.
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