5 reasons why the card is more profitable cash

Now the thought of giving up the use of cards and return to the calculations solely by means of bills and coins seems frankly ridiculous. Maps help to save with them convenient to carry out the family budget, with their help, you can even earn money. On why more cards are so cool, read our article.

Interest on the balance of the account

I'll start with the most interesting: how to get a little money, not doing this for almost nothing. You just have to map a certain reserve funds, on the basis of which will be calculated the amount of monthly transfer your bank.

This is especially useful in cases where the savings accumulated in the account of one family member. The more money you keep, the more the bank pays you for your loyalty. On insane dividends count, of course, not necessary, but receive regular promotion just for the fact of storage of funds on the card still nice.

Keshbek and bonuses

And a little more about the promotions. All you pay with your card, and then get back part of the time spent in the form of money or loyalty points. In some banks, the category of goods and services, which are covered by these programs, clearly recorded, somewhere they can be chosen independently on a quarterly basis.

Loyalty programs can be divided into two groups: universal and specialized. The first type is suitable for those who want to obtain an additional benefit from any purchase on the card, without spending a lot of time to choose from offers from the bank. Those who are looking for special privileges, like specialty products. With these cards you can accumulate bonuses, traveling and visiting cafes, restaurants, online shopping and refueling. Such decisions are more and more, so you should be able to choose something suitable.

The amount of returned funds varies from bank to bank. You can simply earn interest or a certain number of bonuses for each payment card, but you can does return a third or even half of the time spent using the special partners offers bank. What to do with money - everything is clear: you are free to exchange bonuses for discounts in shops and restaurants or airline miles. The benefit is quite palpable in any of these cases.

Payment in online shops

Here talking about the economy shifted to another plane. On the Internet, everything is cheaper, right? Consequently, the shopping is to go exactly there. One question is: how to pay? Clearly not in cash.

Pay card and not be afraid of scams: Verified by Visa service reliably protects you from possible problems. At each visit an online store it will protect your finances against attacks by network intruders.

accounting costs

We decided nevertheless to pull yourself together and do maintenance of the budget on an ongoing basis rather than on a case by case? I honor you and praise. Doing this is much easier than it seems, because the change of the stack of checks and lined the notebooks come modern and comfortable application, that is at each of the bank.

Firstly, there are visible all operations on the map, and secondly, at the end of the month, you can see the structure of their costs, and finally understand where the money goes. In a sense, this option is even better than the specific applications for accounting finance. Less unnecessary actions, more opportunities to monitor the situation here and now.

Loan without overpayments

The usual situation: the money ran out, and to paycheck is still far. You can, of course, to borrow from someone and hold a certain amount of days that way, but what if you need more funds than they can give relatives or friends? And rescues card again.

Many banks offer customers the ability to use borrowed funds for a certain period without interest. Make purchases using credit cards with preferential servicing, and debt can be repaid later, when there will be free money. Just check first the terms of this service at your bank. With pay is better not to delay, not to have to pay more and rate of interest. The rest of the option all is good: there is money, there is no overpayment and you will be fine.