Кредитные карты

i (2)В современной жизни обойтись без пластиковой карты трудно. Многие граждане настолько привыкли расплачиваться ими при покупке любой мелочи, что отсутствие терминала в магазине может привести их в состояние ступора. К счастью таких торговых точек становится все меньше, и даже если на кассе нет терминала, поблизости всегда можно отыскать банкомат нужного банка.Как один из доступных видов пластиковых карт рассматриваются кредитные карты, которые можно заказать в любом банке. Сервис кредитных карт удобен как клиентам, так и самим банкам, поэтому проблем при ее получении возникнуть не должно, если, конечно клиент имеет положительную кредитную историю. Наличие карты от банка может выручить в экстремальной ситуации, когда требуется достаточная сумма денег в ближайшее время – такие карты оформляются в течение нескольких часов после обращения в офис банка.

Но еще проще выбрать кредитную карту при помощи Интернет-сервиса. Преимущества Интернета, прежде всего в том, что нет необходимости думать, в какой банк целесообразнее обратиться. Как правило, выбор клиента offline ограничен одним-двумя знакомыми или близлежащими банками, поэтому клиент лишен возможности выбирать наиболее приемлемые условия кредитования – величину комиссионного сбора, льготный период, сроки подтверждения и так далее.

iКонечно, если кредитной картой планируется оплачивать небольшие покупки или снимать наличные деньги, здесь стоит руководствоваться соображениями доступности терминалов от банка кредитора. Нет ничего хорошего в том, чтобы бегать по городу в поисках подходящего терминала или переплачивать комиссию «чужому» банку.Но бывают ситуации, когда кредитка требуется для оплаты крупной покупки по безналичному расчету, в этом случае можно попытаться подыскать предложения более выгодные от банка, который может и не находиться в шаговой доступности. В этом случае безналичные расчеты можно производить не только при совершении покупок offline, но и через Интернет-сервисы. Многие банки имеют мобильные версии, что делает кредитные карты этих банков незаменимым средством платежей по коммунальным услугам и не только. Возможность осуществлять беспроцентные платежи, не выходя из дома, как и погашение кредитов по этим картам делает их использование привлекательным для многих клиентов банков. Главное условие – вовремя выплачивать эти кредиты, и тогда сотрудничество с банком будет взаимовыгодным.

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