Table of contents:
- What are bank cards
- How to choose a debit card
- How to make money on a debit card
- How to use a credit card
- How to make money on a credit card
- What is a multicurrency card
- What is a virtual bank card for?
- How to solve problems with bank cards
- How to protect a bank card from fraudsters
- How to use a bank card abroad
2024 Author: Malcolm Clapton | [email protected]. Last modified: 2023-12-17 03:44
A selection of effective tips to help you choose a card and use it wisely.
What are bank cards
From the outside, they all look like a plastic rectangle, but their capabilities are different. For example, with some cards you can borrow from the bank on credit, with others you can use only your own funds. And this is not the only difference that you should be aware of in order to issue the card you need.
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How to choose a debit card
A debit card is convenient: you can use it to pay almost everywhere, it is lightweight and fits into any pocket. In short, an excellent replacement for a massive wallet and a scattering of small change.
But the card is not the same. It is worth carefully choosing the bank that will issue it, and carefully read the terms and conditions in the agreement, so as not to miss out on benefits and not go broke on service.
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How to make money on a debit card
You can't make millions on it, but you can put a few hundred rubles in your pocket. There are two ways to turn a debit card into an earning tool, and you need to figure out all the nuances in order to act correctly.
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How to use a credit card
Don't take your credit card lightly. Like any other loan, it can lead to huge debts and even bankruptcy. But if you know a few tricks, then you can use credit money almost free of charge and spend only on servicing the card.
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How to make money on a credit card
The credit card enables the bank to make money on you. But this game can be played by two. The right credit card can help offset the cost of servicing it and even generate income.
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What is a multicurrency card
Those who often travel or buy goods from foreign online stores usually have to have several cards linked to accounts with different currencies. Option for an amateur.
Alternatively, banks issue multicurrency cards, with which you can make non-cash payments and withdraw money in the desired currency.
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What is a virtual bank card for?
A plastic virtual card does not have a magnetic stripe and a PIN code, and it can also be electronic and does not exist in physical form. You cannot pay in this way in a regular store, but it is perfect for shopping on the Internet.
Consider this option for online shopping if you don't want to risk your salary card details.
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How to solve problems with bank cards
When you get used to paying only by card, any force majeure can leave you without money. The card was blocked or stolen, it was chewed by an ATM or taken away by a waiter - do not panic. For each problem, there is a manual that will help you minimize losses or reduce them to zero.
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How to protect a bank card from fraudsters
It is no longer profitable for criminals to rummage through other people's wallets. It is much easier to withdraw money directly from your bank account.
There are a lot of tricks in the arsenal of scammers, but they are often designed for your gullibility and panic. To resist them, you need to be more careful and know the most common scenarios.
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How to use a bank card abroad
In your country, you can easily pay with a bank card, but before traveling, a logical question arises: is it possible to take it with you abroad or is it better to take cash? To avoid problems with the card, you need to prepare for the trip.
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