commissions

• No need to carry cash with you. If a credit card was stolen or lost, you can simply block it in your personal account or by phone – the funds will remain in the account, and the bank will issue a new card.
• It is convenient to pay for goods and services both in regular retail outlets and via the Internet.
• A credit card can be insurance in case the money is needed urgently for some unforeseen expenses.

Today, banks offer credit cards with different functionality. A complete list of plastic with a full description and current tariffs can be found on the portal finansim.ru. Let’s list some of the opportunities that are offered by the cards.

• Grace period. This is the period of time during which the bank will not charge interest for the use of credit money. At the same time, the owner of the plastic needs to fulfill two conditions – to make mandatory payments so that the privilege is renewed every month, and to repay all the debt before the key date so that the bank does not accrue interest.
• Possibility to get cashback. For non-cash payment operations, banks pay the holder of a credit card a reward in the form of bonuses, rubles, miles, etc. When paying for goods and services in an affiliate network, you can get increased bonuses. You can also spend accruals in different ways, depending on the conditions of the bank.
• Free service. The card may be initially commission-free, or a service fee may be charged depending on the expenses incurred.

Ideally, all this could be combined in one card: a large credit limit, a grace period lasting several months, free service without conditions, etc. But in reality, this is not always the case: the bank can entrust new customers with a small amount, but There will be no service fees and a grace period of only 55 days. Or the card will have the option of accruing increased bonuses, but the annual service fee and other commissions may make using such a credit card unprofitable. And as a result, it turns out that the user has to issue several credit cards in different banks and use them all for each case.

Theoretically, it is allowed to issue any number of bank cards

What is the optimal number of credit cards recommended to have? There is no universal answer to this question, since the figure depends on the financial capabilities of the owner himself. If you have a large number of credit cards, as a rule, expenses also increase. Some users manage to spend more than their income. In such situations, even the presence of one credit card can lead to financial losses, a damaged credit rating, etc.

But it’s not just the financial component. Each card has certain conditions of use – the control date for making payments, the procedure for calculating the grace period, the minimum amount of spending for free service, the mechanism for using bonuses, etc. And the owner needs to carefully monitor the implementation of these requirements, otherwise the use of the card will lose its meaning. Judge for yourself, if the card was purchased for interest-free purchases, but the owner forgot to make a payment on time – the bank charged interest on all the money spent – the holder’s credit burden increased. Therefore, the number of cards for simultaneous use should be such that they have enough own funds and opportunities to comply with all the conditions of the bank.

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