10 reasons not to cash in favor of the bank card

Why some people are afraid to use bank cards in 2016? Irrational fears, ignorance and elementary habit induce your friends and family (and maybe you too?) to tinker with in cash, denying the convenience and security of modern payment funds. Our list of compelling arguments in favor of the bank card is not likely to leave the archaic paper. Read it for yourself and show those who still do not use plastic cards. Such a right thing to do for sure you will be reckoned.

On the map much less germs and bacteria

Wisdom says: "Health more expensive than any money." Did you know that you can make a real encyclopedia of microbes on the paper money? Tuberculosis, pneumonia, tonsillitis, hepatitis, gastroenteritis, dysentery, meningitis, syphilis, gonorrhea, Staphylococcus aureus, and more about 500 species of small "friends" live on the bills.

Domestic research in infectious diseases have shown that 100% who used to come in the course of banknotes contaminated with potentially harmful bacterial and fungal microflora. Pulp, used to make paper money - an excellent medium for bacterial growth. Disinfection bills no one has been in Russia and bactericidal paper is still in development.

If you lose the card money is not lost

Imagine that you are lost wallet. What happens to the occupants in cash? Of course, it will magically disappear. Even if you are so cautious, keep your wallet in your contact information in case of loss, called you a good man still finds his already empty.

With bank cards all the way. Money is not stored on the plastic and on the bank account, and therefore nothing will happen to them. Even if the card is destroyed by fire, flood or pets, the bank as soon as possible will give you a new one. In this case, the balance of your account is not affected by natural disasters.

This is true for any force majeure and disasters, which are able to separate you from your card. Even if you have lost the card abroad, on holiday or on a business trip, a bank may give you extra cash from your account. However, this service is available to holders of Visa premium cards.

Outsiders will not be able to use your card

If someone tries to steal money from the card found, most likely, it turns out that the owner had already discovered the theft and called the bank to block the plastic. In addition, the payment system has different ways of payment confirmation and identification of unauthorized use. Use your card without your knowledge is extremely problematic.

Thieves and crooks do not like card

All actions are recorded with the cards and the probability of being caught with someone else's card is large enough. Most likely, an attacker does not know how much money on plastic. The risk is too great, and the benefit is questionable, therefore, lost and stolen cards to use is dangerous.

the card holder does not interfere with fake bills

It would be naive to believe that the only buyers come from the unreal money. In calculating the cash to meet the risks of counterfeit banknotes anyone. Seller is not recognized in cash fake may accidentally give it to you as a deposit. Paying with, you are guaranteed to get a fake bill.

harder cardholder shortchange

"Check your change, on the spot!" - warns us widespread ad. Bank card saves its owner from unnecessary anxiety. Probability of being cheated at the checkout becomes much less. It is enough to pay attention to the total amount before you buy.

Disputed Payments can cancel and get a refund

If suddenly the cashier accidentally entered the wrong amount, for example, added an extra zero, and you have time to confirm the operation, and in this case, you are left with an opportunity to challenge the transaction.

How to dispute a transaction:

1. Accessing the bank and fill out an application for a disputed transaction. The statement says F. AND. O., card number, place of transaction, date, amount, currency and the reason for challenge. If several disputed transactions, constitutes a separate application for each.
2. Provide payment checks, credit card statement from the ATM. If you become a victim of fraud, you get a listing of the amounts written off can be in the bank. If cancellation occurred abroad, provide a passport certifying that you have not crossed the border.

On transactions with cards come SMS alerts

Imagine that right now someone has taken money that you keep the house in the form of cash. When you learn of the loss? Only when the next time will take a nest egg in the hand and counted.

Unlike cash, all transactions with bank accounts, including payee information necessarily fixed. In addition, most banks offer services to its customers SMS alerts about the movements of funds on the card. This service allows you to instantly check for any transaction with the card, the payment amount, and even a place in which it was committed.

If you receive an SMS with information on payments that you did not commit, you know what to do: call the bank and instant card lock stop the uncontrolled leakage of funds from the account, and the cancellation of the procedure described above will return the disputed transaction is not spent by you money.

Convenient control of finances through the app

Smartphone owners can be notified not only in the form of SMS, but also via a mobile app, additionally acts as a personal accountant and controls costs. Most likely, the bank will ask you to install the application as soon as your card issuer. Now, no matter where you are, you can make purchases and pay for different services without having to worry about the security of transactions.

Multi-layer protection

Do you know why the defense is always build in a few lines, and cash storage systems equipped with multiple detection and protection? Bypass or crack the same level of protection possible. Break through the multi-layer protection is much more difficult. Overcoming one level, the fraudster will inevitably will face with other protective measures. Security Maps provided by the most modern technology.

1. The chip, which is useless to crack. EMV - protection is a technology that uses the so-called dynamic data. To confirm each transaction creates a unique code, which is very difficult to guess or calculate without using the original card. Even if the code has already committed the transaction will get to the criminals, they will not be able to use it again. The same system protects contactless cards and Visa payWave payments via NFC-enabled phones.
2. The data that is useless to steal. Tokenization - a security technology that makes the interception of payment information useless. Instead of the data card (16-digit number, expiration date and security code) uses a unique set of numbers that does not compromise the owner and his data. As a result, even if the fraudsters will be able to bypass the security mechanisms and gain access to the transmitted information about the payment, their ability to benefit from it substantial benefits will be severely limited.
3. Artificial Intelligence. Payment system in just a few seconds checks and compares a plurality of data for compliance with the key parameters, calculates the rating the riskiness of each transaction and allows the bank to take a decision to reject the fraudulent operations.

Losing cash, you have a near 100% chance parted with them forever. At the paper no owner. Who holds the money in his hands, the one of them and dispose of. You can not call the bank and ask them to turn off those bills that you have lost. Bank card - it is much more convenient and safe alternative to cash, ensuring the integrity of savings and total control over their movements.