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Credit Cards and Debit Cards - VÚB, SLSP
|Referát vhodný pre:||Stredná odborná škola||Počet A4:||3|
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While obtaining non-embossed debit card the client usually has to have only current account in the bank, where is he/she requesting to issue one, the conditions in obtaining embossed debit cards are individual in each bank.
Credit cards allow customers to exceed the zero balance which means that he/she is able to take out money, that the client does not dispose with. This overdraft may be paid off by making one or several payments. The credit limit is set to its credit line automaticaly after the borrowed amount is paid back. The customer’s solvency determine his/her credit line. Of course, there are another determinants such as: the client’s age, employment, annual income and also clients credit history to be considered. In these part of my research I am going to compare and cotrast advantages of my selected banks. Všeobecná úverová banka
Všeobecná úverová banka (VUB) - is traditional slovak bank. It has sufficient exeperience with clearing transactions to provide these services. In 1992, VUB was the bank which brought cash mashines to this country. Nowdays it offers to its customers large variety of both credit and debit cards.
VUB offers to its clients two types of non-embossed debit cards: Maestro and VISA Electron. With these cards customer will be able to withdraw money from cash mashines everywhere in the Slovakia, but any withdrawal made from a cash mashine owned by another bank costs the client 30 SKK.
To obtain or renew a nc., the client should has a current account opened with VUB and must pay 150 SKK per year, as an annual fee. If a customer wants to cancel the card before the 'valid through date', he/she is requested to pay 200 SKK. The scale of offered international embossed card is more various. Client can choose from two basics ec: Visa and MasterCard. For customers with higher satifactory level there is possibility to obtain the following cards:
- silver Visa Business card
- silver Eurocard/MasterCard
- gold Visa card
- gold Eurocard/MasterCard
VUB offers to its clients two main types of credit cards: MasterCard Electronic and MasterCard. MasterCard Electronic is for domestic use only and is non-embossed. On the other hand, there is MasterCard international, which is embossed credit card and the usage is international. It is not necessary to have a current or deposit account opened with VUB. The bank offers the following limit of credit drawings of finnancial resources in intervals:
MasterCard Electronic - credit line range from 15 000 SKK to 40 000 SKK
MasterCard - credit line range from 30 000 SKK to300 000SKK
Both of these types have the same charges. Obtaining of primary and secondary credit cards is free of charge. Client pays annual sum - 360 SKK for administration for MasterCard Electronic and 750 SKK for MasterCard.
Zdroje: Slovenska Sporiteľňa and Všeobecná úverová banka pamphlets