What are the different types of bank cards

Who does not know what bank cards are today? Speaking of appearance, each of them is a piece of plastic with a size of 53.98 by 85.6 millimeters, which can have either a magnetic strip or a chip. The difference lies in the fact that in the second case, the funds on the card account are considered more secure.

Any bank card is a very convenient means of payment. Not for nothing that their number increases at a good pace every year. Through "plastic" Russians receive wages and pensions, scholarships in educational institutions, accumulate interest on deposit deposits and so on.

About varieties

At present, bank cards come in several varieties:

• Settlement - used to pay for goods or services within the holder's available funds. The process of their registration is quite simple, and the cost of maintenance is low.
• Credit - allows you to use the funds of the issuing bank, without exceeding the established limit, which is calculated on the basis of the solvency of the citizen. There may be situations when the amount of funds withdrawn exceeds the limit. This means that the holder "climbed" into the overdraft. Interest on it is high, so try not to allow this.
• Prepaid - a great option to make someone a gift. It happens that people do not want to give money. In this case, you can replenish the account of prepaid "plastic", and then hand it as a gift.
• Intra-bank - a special kind of payment means that can be used exclusively at ATMs, cash desks and terminals of the issuer. The product in question is completely universal. Each holder can either withdraw cash from the ATM network and pay for the purchase, or do it by bank transfer. Taking into account the limitations given above.

It is also possible to pay for cellular communication with a bank card. Very useful and convenient service, I must say. By the way, it can be performed either by order (by sending the corresponding SMS message) or within the service of automatic replenishment of the mobile phone account.

And it is ...

Now I would like to elaborate on such a variety as the virtual bank card. With her, the situation is like a gopher from one famous Russian film: the heroes of the rodent were not seen, but he was. So this product "plastic" in the classical sense is not. This is a set of details that allows you to pay for goods on the Internet. We just need to specify the card limit, get the number, CVV-code and its validity. Most often, this product is issued in the case when they do not want to risk the funds on the main account. Even if the information mentioned is compromised, bank cards of a virtual type for withdrawing money can not be used under any circumstances. Unless to buy with their help something in the Network it will turn out. But only within the limit. So do not set it too large.