What is a credit card?
A credit card is a plastic card outstanding by the bank, and the amount of the loan that was issued to you is accrued on it. The credit card around the world is the main alternative to all the usual, ordinary consumer loan. So you can take a certain amount to pay your expenses, the amount of course is limited to the limit. The bank itself sets this limit, its size depends on your income and, of course, credit history.
In the last decade, almost every citizen is ready to issue a credit card in Russia. The most popular cards of banks: Russian standard, HomeCredit and Renaissance. Thanks to these credit cards, you can always pay for your purchases, various services, as well as withdraw cash at ATMs.
Types of credit cards
According to additional options, the degree of capabilities, and the method of service, credit cards are divided into: classic cards (classic), electronic cards (Electron), platinum cards (Platina) and gold cards (Gold). Banks often make it possible to increase their initial credit limit. This happens after 3 to 12 months from the date of receipt of the card. The truth is only if during this period you followed all payment rules.
Features of credit cards
Credit cards have a great advantage before cash. For example, when crossing the border, it will not be necessary to declare the money on the credit card.
Those who have a credit card, being abroad, will not have to be steamed about the exchange of currency, because the card of the international payment system can be used when calculating in any currency, since the converting of banks in automatic mode is done independently.
Credit cards owners are interested in special offers, various discounts and bonuses that the bank partnership companies offer. For owners, prize draws are periodically held, tickets for a football match can be played, or there can also be a tourist ticket.
Reviews about credit cards are only positive, since their owners now always have constant access to their account.