How to make a debit card
Get Rich / / December 20, 2019
In order to increase customer loyalty, banks offer them keshbek - return of the money spent. In fact it is more savings than income. However, the money you have becomes a little more, not argue with that.
What to look for
Often, to get keshbek, you have to spend a certain amount of money from the card. Pay attention to this option because not every bank offers you the suitable conditions.
For example, in the advertising promise to return a lot of money, but it is necessary to spend at least 50 thousand a month. It will not be easy to do, if you earn a total of 20 thousand.
Such keshbek you do not need. It is better to choose a bank card, which is returned less money, but you limit posilen.
The cost of servicing the card needs to be significantly lower than the amount that would return as keshbeka. Advance figure out how much you get from the average bank.
Limit on keshbek
Usually there is a limit on the keshbek: some banks return no more than 2 thousand rubles, while others - no more than 5 thousand.
If you spend a lot, it makes sense to have multiple cards with keshbekom and first pay one until you reach the upper limit of the return, then switch to another.
Categories for calculating keshbeka
Some banks return a fixed percentage on all purchases, others keshbeka size varies depending on the product category. Increased keshbek is available on purchases in stores the partner bank.
Analyze where you spend most of the money, and you choose a profitable option.
For example, in a month you spend on the purchase of 14 thousand, of which 6000 - on products, 2000 - on movie tickets, one - to pay for public transport and household chemicals, two - for clothing and shoes, and two thousand more leave is not clear where.
Bank 1 offers keshbek 10% on film, 7% - for the purchase of clothing and footwear, 15% - for the purchase of gasoline; Bank 2 - 5% and 1% of the products the remaining waste; Bank 3 - 3% on everything.
|Bank 1||200 rubles (movie) + 140 rubles (clothes and shoes) = 340 rubles. Gasoline does not interest you, you travel by public transport|
|Bank 2||300 rubles (Food) + 80 rubles (rest) = 380 rubles|
|Bank 3||420 rubles|
The table shows that we should not chase numbers, it is better to weigh. Or pay attention to the bank in which you will choose a category of expenditure with keshbekom.
Interest on residue
Some banks charge interest on the balance of the map. It usually is about the minimum amount that was in the account during the month. And it is fully possible to call income. Get it in two ways.
Without additional efforts
You just keep the money on a map and get interest.
For example, at the beginning of the month you were 17 thousand rubles on the map. By the 13 th of you have spent 14 thousand and left with three. 14th you transferred 15 thousand (total was 18,000), and the end of the month you met with the 7 thousand in the account. Interest is charged on a minimum balance, that is, 3000.
Often the interest rate depends on the balance on the card: the more money on it, the higher the percentage.
Using a credit card
You do not touch the money on a debit card and pay purchases credit. When it comes to payment by credit card, you transfer money on it with a debit card and placed in an interest-free period.
In this case you will add a higher percentage of a debit card, so you do not spend money from her for a month. For example, minimal residue from the preceding paragraph, which would have accrued interest was 32 million (17 + 15).
The method looks promising, but there are subtleties:
- You must be very disciplined to avoid delinquencies on your credit card.
- Your income should be regular, otherwise you will not be able in time to extinguish the debt on the credit card.
- The cost of credit card services should be lower than interest income.
In addition, to make money on a debit card, rather than lose, pay attention not only to the words of the managers of banks and leaflets, and carefully read the contract. This is one of the secrets of success in everything.
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