The interaction of a modern person with banks. Salary, debit and credit card. Bank transfers. Preservation and UMPUTION. At the dawn of their history, bank accounts were an attribute of representatives of the highest classes, but today even an average person can almost do without interaction with banks. Unless of course he wants to effectively use his financial capabilities. So why should we deal with banks?
1) Use of capital. The opening of the bank account is often used so that annual annual interest increases our capital. However, this is in theory. In practice, existing bets on bank deposits allow you to save more than to increase funds in the account in the face of indicators of annual inflation. However, a really profitable deposit may well bring you not very large, but all the same, the real profit, on top of the amount that has gone to the fight against inflation.
2) preservation of funds. Large sums have not been stored at home for a long time, due to the possibility of their theft. The bank reasonably seems to be a much more reliable repository for money than a home safe or cache.
3) bank transfers. Quickly transfer money to a friend or relative in another city or country, can only be through bank transfers. In order to implement them through bank branches, you do not even need to open an account.
4) salary. The registration of a bank card often becomes a voluntary – forced process, since an increasing number of employers prefer to pay a salary to their employee through non -cash money transfers to a bank (salary) card.
5) loans. No matter how consumer loans scold, but they have one dignity that makes us draw up a credit card. This advantage is the ability to acquire what we are extremely necessary now, albeit due to overpayment (interest on the loan) later. The main thing is not to get carried away and correlate the amount of loans with your salary and lifestyle.
6) Mobility of money.
A compact banking card takes up much less space than a wallet clogged with cash bills. Unfortunately, in Russia, the service of paying purchases in stores using bank cards is not as common as in the West, but it seems that this is a temporary phenomenon.
We summarize. The banking kit of a modern person includes a personal debit card (profitable deposit), a salary card and a credit card (small interest on a loan). Although it is only worth issuing a credit card – not everyone considers it necessary to use consumer loans.