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Streda, 29. mája 2024
Credit Cards and Debit Cards
Dátum pridania: 24.11.2003 Oznámkuj: 12345
Autor referátu: sos
 
Jazyk: Angličtina Počet slov: 1 398
Referát vhodný pre: Stredná odborná škola Počet A4: 4.5
Priemerná známka: 2.96 Rýchle čítanie: 7m 30s
Pomalé čítanie: 11m 15s
 

Similar to the VISA cards you need to have current account and a standing order from this account. Monthly credit limit starts up with SKK 80 000 and you have to pledge 1,5 multiple of monthly credit limit. Unlike the VISA cards, Diners Club International cardholders are provided with rather exclusive services. Free refreshment services in the most important business places and V.I.P saloons at the major airports. Guaranteed hotel reservations, even in the case of schedule breach and lower car-rent rates in Hertz and Avis are all included. The second exceptional characteristic of this product is the insurance package. The annual fee provides the client with complex travel insurance provided by AIG Slovakia a.s. that refers not only to client himself but also to his travel mates and the insurance payment is up to SKK 40 million. The annual fee is SKK 5500 and SKK 2500 for additive card. Fee for cash operations is 4%, for clearing operations in foreign currency 1%. Clearing operations in domestic currency, blocking of the card and spare card are for free.
Tatra Banka

TB provides credit card services on a broader level than HVB-Bank and as far as I understand, it has the widest range of credit card products in the Slovak market. TB also cooperates with Visa as the other banks do and with Diners Club International. Further it cooperates with EUROCARDMASTERCARD and American Express. Diners Club International credit card offered by TB is very much similar to the one offered by HVB-Bank with the same conditions and terms of issue of the card, same advantages and fees.
However by the offer of VISA cards we can find many more differences that may matter when deciding for particular bank or service. There are more variable conditions and terms of possessing a VISA credit card and more possible properties of the card. First, you do not have to be a client of the bank and do not need to have a current account there. The installments are optional, but at least 10% of minimum monthly credit limit and can be paid by cash deposit, money transfer, standing order, through telephone and Internet. Furthermore, it is possible to choose between individual insurance, family insurance and no insurance .It is ex-interest when you pay-off 100% in the period of 40 days. Actual standard interest rate is 17,68% and sanction interest rate is 25%. The credit limit can be from SKK 20 000 up to SKK 200 000, by VISA Gold card SKK 200 000 and more. There is a limit of SKK 15 000 per week by cash-takeout.
 
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Zdroje: http://openiazoch.zoznam.sk/produkty/kk/, http://www.tatrabanka.sk, http://www.cetelem.sk, http://www.hvb-bank.sk
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