Which is better: "Visa" or "Mastercard"?

As the data of the National Agency conducting financial research shows, the share of those who actively use bank cards in Russia by 2017 will be 65 percent of the total population of the country. Already to date, almost half of Russian residents use cards in order to receive wages and other transfers, and 42 percent - in order to pay Various goods and services.

What is a convenient map?

The wide distribution of plastic cards is determined by the fact that they are convenient and safe to use. For example, those who have plastic cards do not have to carry large amounts of cash with them, and they have the opportunity to pay in most stores, without losing time on recounting money and coins. They also have quick access to the bank's services. The majority of Russian residents use cards to receive wages, transfer of pensions, social benefits and scholarships. In this case, the client does not make a choice in favor of a particular card, he simply agrees to what the bank and the employer offer. If a person wants to receive this payment by himself, then it is necessary to make a choice from a variety of payment systems and banks.

Which is better: "Visa" or "Mastercard"?

The choice is to start with determining your own needs. This can help to understand which card you need.

- First decide, you need a credit or debit card.

- Decide on the planned use of additional products with the help of these means of payment.

- Where will you use the card? If you have plans for traveling abroad, find out how the Visa from Mastercard differs.

- Pay attention to the classes of bank cards when drawing up a payment instrument.

All this will help you choose a card that will match your needs.

Which is better: "Visa" or "Mastercard" (on the territory of use)?

The issue of choosing a payment system for those holders who travel abroad often and pay for purchases in shops of other countries with the help of a card is urgent. Accordingly, if you do not have plans to use a card outside of Russia, then the question on the topic: "Which is better:" Visa "or" MasterCard "? - for you is no longer relevant.

The main currency of the VISA payment system is the dollar, while MasterCard has the euro. This feature affects comfort in use in different countries. Let's look at an example. You buy gifts to relatives in a London store using a bank card.

- If you use the MasterCard payment system, the funds from your ruble account will automatically be converted into euros.

- If you use VISA, then the settlement system is first converted into dollars, and only then in euros.

It is easy to guess what is better - "Visa" or "Mastercard" - in London. It is more profitable, of course, to have a second one, since the conversion is paid once. Accordingly, "Visa" is more convenient to pay, for example, in New York, as when paying for goods, conversion occurs immediately from rubles to dollars. If you want to pay with a MasterCard, you will have to fund additional conversion.

"Visa" or "MasterCard" - which is better (choose a card class)?

All cards that are issued by banks can be combined into several classes: electronic, classical and elite. The class is required to choose depending on what your needs are.

- Electronic cards will suit you basically to cash out an account. You can also pay for goods in stores, but each time you need a PIN code. The advantage is that they have a low cost for production and maintenance, and there is an opportunity to receive and replace this payment method simply when visiting a bank office. The disadvantage is that you can not pay with a card on the Internet.

- Classic cards are suitable for those who actively pay for goods and services in a non-cash way. You can also advise them to tourists and businessmen who often go abroad. The card is manufactured for several days, since it is registered.

- Elite cards have additional privileges and opportunities. There is a program of discounts, as well as services in banks on preferential terms. The disadvantage is, probably, that annual maintenance is expensive.

Here we are with you and figured out which card is better - "Visa" or "Mastercard", as well as what features cards have. So which one will you choose?