(1) Window to Europe is made of "plastic".
(1) Window to Europe is made of "plastic".
For I quarter 2001 on the international maps of their our banks
Clients have spent 1 billion 82 million dollars. Credit cards
Paid off more than 2 million our fellow citizens.
And it only the beginning - after all in the summer, during the period
Holidays, card indicators grow most intensively.
To carry with itself on rest "plastic" not only it is more safe, than a cash, but
Frequently also it is more favourable.
Card trumps.
Summer, the sea, palm trees and sand. That rest from works just
It has appeared pleasant and easy, costs in advance
To see to it about comfort.
It is a question not only of correctly chosen hotel, but also about
Money which, as is known, like all. Including
Pickpockets. Besides the credit card abroad is some kind of
The card: abroad, including in liked by Russians
Turkey, not speaking about Europe or America, it is simply not accepted
To rustle with packs of denominations - not only in a boutique, but even in
Snackbar or on autorefuelling. But safety and prestige - not
Unique arguments in favour of acquisition by "plastic". Is and
Others pro.
First, means for a card are not declared at customs.
Means, money it is possible to take out how much to a shower it is necessary. Going with
Cash abroad, each dollar over the sum of $1500 you
Are obliged to bring in the declaration, and also to attend to inquiries from
Bank or the exchange office, confirming legality
Currency acquisitions.
Secondly, to pay purchase abroad for a map, as
Rule, more cheaply, than cash (if local "cache" you
Assume to buy for dollars in exchange offices). Bank
Quotations in exchangers abroad below official (non-cash)
On the average on 5-7 points. Moreover, the foreign financial
Institutes take the commission for a cash exchange, and these are 2-4 more %.
At payment of services or purchases by a card "accompanying"
Expenditure are connected with currency converting in the local. For services
Financiers take about 1,5-4 % from the sum (depending on
Payment system: at VISA and Europay on the average 1,5-2 %, at Diners
Club - 4 %). However the exchange rate will be above, than at operations
With a cash, on the average on 5-7 points.
As a result, paying off with "cache", for example, in Spain, with
$100 you will lose everyone (following the results of converting in local currency)
On the average $9, whereas at payment of purchase of the same cost
Card your losses will average only $3.
In a word, to pay off with a card abroad it is favourable. To that
Banks in Europe work usually to 3-4 o'clock in the afternoon,
Round-the-clock exchange offices in enough are not present, and
That work in a convenient mode, establish very unprofitable
Exchange rate.
"The bank is temporarily inaccessible...".
How to be, if the card is lost or stolen abroad? In
Such situation first of all needs to block it. For this purpose
It is necessary to contact bank there and then: its telephone number appears
On an underside...
Cards (that is why it is necessary to write out in advance number in
Notebook or to bring in a mobile phone). In the event that
To phone it is not possible, it is necessary to address in representation
Payment system in this country (in the majority of hotels to you it is easy
Will give all telephone numbers). As a last resort it is possible
To address in foreign bank which lets out maps of this
Payment system.
Map blocking will preserve your money and safeties,
But receive them you cannot - at least, in that case,
If be not the "liked" client of bank or the holder
Elite maps - Visa/EC/п C Platinum or Diners Club International.
In such cases the bank there and then emits a reserve (time) map
Also sends it through representation of payment system in
To host country of the unlucky client, and also can give out
Means cash. To holders of more democratic maps
It is necessary to say goodbye to plastic conveniences before returning on
The native land. It, by the way, an argument in favour of that, as "live" money with
Itself to have will not prevent.
The plastic reservation.
Besides economy of means and time, and also additional
Safety are also a number of additional services, access to
Which on foreign land "plastic" considerably facilitates.
For example, at departure abroad it is necessary to buy the medical
The insurance (overwhelming number of the countries without it simply will not give the visa).
To holders prestigious gold or maps Diners Club International
Such insurance is necessary free of charge (but only in case of payment
The air ticket or all round by a card). The Cover amount depends from
Treaty provisions between bank and the insurance company also makes
On the average to $25 thousand
Plastic cards leaving abroad will be useful and at rent
Cars. In the majority of the European countries the car without a card
Simply will not give. An another matter - Turkey or Cyprus: here for this purpose,
To rent avto, it is enough to show the passport, and even
The driver's licence is simple.
So, if and to cut windows to Europe or other pleasant
Parts of the world, - "plastic".
Summer - the most attractive time for banks, which
Emit maps for private persons. After all citizens are going to in
Holiday so, turns by cards increase also, banks
Receive additional profit. Probably, therefore financiers
Very much like to sum in September up summer job.
Well and by results of the first quarter leadership on number
The let out maps remains behind the Savings Bank, at which for April, 1st
2001 it has been let out almost 1,2 million cards international
Payment systems Europay International and Visa International (see
The table "the Rating of banks-emitters of plastic cards international
Payment systems following the results of I quarter 2001 ").
Further with the big separation there are Petersburg banks. So, in
Particulars, Industrially-building bank of St.-Petersburg,
Taking in our rating the second place, following the results of I quarter
Emitted 215 thousand cards Europay and Visa.
Among the Moscow banks the Alpha bank (the fifth place is in the lead in
The general rating) from 120 thousand emitted maps Europay and Visa.
However, high indicators on release of maps at all do not mean,
That clients actively pay off with these cards - so,
For example, at the same Savings Bank a monthly average turn on everyone
To card makes only $94, and at Alpha bank - $312 (judging by
The reporting for I quarter of this year). It speaks enough
Simply: at the same Savings Bank many the so-called salary
Projects - that is to holders of maps simply charge the salary,
Actively such clients do not use cards. In difference,
By the way, from the Alpha bank, which most part of clients at all
"zarplatniki".
Data about quantity emitted by the Russian banks
Plastic cards for I half-year 2001 will be published in
September issue of "Open-cast mine".
//* an information Source: the Profile, 6.08.01
//* Reg. Nom. - 1110800097.21-------------------------------------------
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