The bank card has become an integral part of life. At the same time, not everyone is well oriented in the winners of banking services. There is a lot of information to figure it out. From our article you will learn how to open a credit card and some nuances with it related.
A credit card differs from debit or salary, which allows spending money in debt. When it is design, the limit loan amount that can be used is allocated. Her spends completely or within its limits.
Credit card capabilities
- independent salary to salary;
- helps if unplanned expenses arise - invited birthday, the opportunity appeared
- buy a long-desired discount thing for salary, other;
- allows you to spend a good vacation;
- spend on other pleasant things.
Its advantages are that there is no need to report to the bank to what you have spent money, as is in the consumer loan. It is quite possible without unnecessary trouble to use for the purchase of shallow household appliances without spending time on the design of the loan for a good iron, and then on the TV.
How does a credit card work?
Duty is provided from 20-50 days without percent. After this period, interest begins to accrue. Credit on the map is provided up to 2 years.
How to issue a map?
Before proceeding with the registration of the map, it is worthwhile to progress the conditions of different banks. Choose an optimal option for yourself, go to the bank for registration. Banks constantly simplify the procedures for their operations. To make a credit card, you must provide your original passport to the bank, the identification number (original), an income certificate.
- An employee of the bank will help fill out a statement. Specify some data on your expenses, work is necessary to determine your optimal credit limit. From the passport, the Inn will remove the copies that will need to assure - to put your signature on each page.
- The decision to issue a credit card, if the decision is positive - of the credit limit amount is taken quickly, as is calculated automatically. Personal opinion advisor bank it does not have.
- Banks are improving their services. Now consumers in some banks have the opportunity to open a line of credit with a debit or payroll card.
How interest is calculated?
During registration card is necessary to clarify the consultant how the accrual of interest. They may be payable on the full amount of the loan and only on the amount you withdrew.
How to cover the loan on the map?
After free period accrue interest. Each month to cover the debt will be required to pay the principal amount of the loan and accrued interest until full repayment of the debt.
What will happen if the bad debts?
Under the terms of the bank, you may be subject to additional penalties to the amount of the loan and interest. The size of interest you have to say consultant, explaining the conditions of card use. In addition, in case of repeated violation of the terms of payment, it will be spoiled your credit history. It threatens the closure of the map, hit in the black list, which means the inability to get credit for a certain time.
To issue a credit card or not - you decide. For some - it's a lifesaver, for others - the danger of overspending. With proper planning of their finances, discipline problems with using a credit card should not arise.
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