The diversity of bank products that offer financial institutions to their customers generate and many questions regarding the features and destination of each of them. In the ranking of the most popular and popular products, leading cards occupy debit cards. What is it and what are these cards need for?
Debit Card - Definition and Basic Concept Characteristics
The term "debit card" characterizes the plastic card of the bank, with which its holder can produce various financial transactions. The most common among the latter is the calculation for purchased goods and services, as well as cash withdrawal in self-service devices - ATMs.
What is the difference between this type of plastic from credit cards? Using debit plastic, the client uses monetary assets solely within the balance available on the card, i.e. Manages only with its own means. Crediting bank money is impossible.
Debit plastic is issued to the bank client when opening a current account. The map number is the sequence of numbers applied to the bank plastic - and the number of the personal (calculated) account is different concepts and, accordingly, different numbers. If the card is completed, the plastic is stolen or lost, the client receives a new card that will have a new number. At the same time, the number of the current account will remain the same.
Debit Card - Plastic Design Procedure
To become the holder of debit plastic, it suffices to contact any separation of the selected bank with a passport and open the current account. Maps of Internet Bank Tinkoff are issued via the Internet. Debit card service is most often free, exception is only the status debit plastic. In some cases, the card can be issued as a gift during the design of a large contribution.
Types of debit cards
Based on the classification of cards according to separation by payment systems, the following types of debit plastic are distinguished:
1. Visa cards.
Within this system, the ELECTRON, CLASSIC and CLASSIC LIGHT series, the GOLD and Platinum directions are highlighted.
2. MasterCard system.
"Subsidations" of this category are the World, Gold and Standard series.
3. Maps Maestro.
4. American Express cards.
In the American Express group, there is a division from Card and Classic Card, Platinum Card, Premium Card and Gold Card.
5. Sberbank Sberbank Pro100
Depending on the specific type of payment system, plastic may have certain restrictions on the calculation. In addition, debit plastic happens:
- Normal (with magnetic ribbon) and chipped.
Visually, these cards practically do not differ among themselves, but have a different degree of protection. In the first case, all information about the card holder and its account is on the magnetic strip and copy it does not represent much difficulty, in the second - on a special chip, to consider the data from which more difficult.
- Name and impersonal.
The release of the name plastic takes about 45 days. Card without specifying personal data can be obtained in 5 minutes.
Advantages of debit cards
The decoration of debit plastic significantly simplifies the holding of many financial transactions, providing the opportunity:
- Comfortable payroll calculations.
- Pay for goods and services remotely by making purchases.
- Make purchases both within the Russian Federation and in foreign online stores.
- Conduct settlements during travel abroad.
- The presence of loyalty programs allows calculations with a double benefit - to acquire the necessary product and at the same time accumulate bonuses.
- A number of debit cards provide interest accrual on the balance on the map.
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