Credit card VISA is intended for fulfillment by its owner of operations at the expense of the money given by bank or other credit organization, the limit of money funds is thus established, and for issue of such card the agreement subscribes. Before credit card issue ability to meet payments of the client is checked. In a number of banks on a positive remainder of means for cards percent are charged.
Credit card including VISA has gradually replaced the credit a consumer loan and the credit for urgent needs. In difference from the credit, credit card use doesn’t demand explanations before bank about a target direction of money.
For bank credit cards have such advantages:
having given out once a credit card, the client won’t come each time to bank behind the new credit;
the client receives money through an ATM, instead of bank, it is not necessary to constitute each time the agreement, to write the application;
loan repayment occurs through the terminal, and besides not in a bank;
educational credit card transactions is automated that reduces the cost value of such operations.
For the client credit card VISA, unconditionally, it is convenient, but it is also favourable to bank. It is favourable at the expense of those commissions that arise at card servicing: the commission for card issue, for cash withdrawal (therefore to pay off at once with a credit card in shops more cheaply), for granting of statements from the account.
International credit card VISA is used in systems of cross-border payments. The most popular are VISA Electron, VISA Classic, VISA Gold, VISA Platinum.
Documents are necessary for reception of credit card VISA:
* the passport, the original,
* an identification code, the original,
* the inquiry on incomes.
Credit cards VISA stand out on 2 and more than a year. On such credit cards with a grace period when within 30 days (sometimes and it is more, for example-50 days) it is not necessary to pay percent for use of money funds of bank.
And what about the advantages of credit card visa, and that subject we are going to discuss in the following article, and better to say in the second part of this article so if you are interested in this theme so just keep reading the second part and I am sure that this information will be useful for you and you can take the full advantage of the information given in the second part of the articles about the credit card Visa.
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