Annually, residents of Russia and CIS countries are increasingly using bank plastic cards in everyday life.
The ways of issuing credit cards are being improved, there are more terminals, ATMs, where you can use a bank card.
Youth debit card
A youth debit card is a bank product,Created specifically for young holders of plastic cards. Such card shall be credited with the holder's own funds. The card is registered, embossed (the name and surname of the owner are squeezed out) and refers to the international payment systems Mastercard and Visa. She can freely pay for purchases abroad and on foreign websites.
The main difference between a debit card and a credit card is that its own money is stored on a debit card, and on credit it is borrowed (bank credit).
How to get a youth bank card
To become the owner of the aboveBank product, it is necessary to be a young person / girl strictly aged from 14 to 25 and have a registration at the place of permanent residence. It is worth emphasizing that the presence of Russian citizenship is a strict condition only for obtaining a credit youth card. Citizens of the Republic of Belarus need to have a registration at the place of their stay officially received by the FMS and correspond to the age category. The application for release can be left either on the bank's website or come to the office personally.
At present, the vast majority of suchCards are issued by Sberbank, Rosbank and OTP Bank. The Savings Bank of the card does not send by mail. Therefore, even if the application is left on the site, in 5-10 working days it is necessary to visit the office with a passport to receive it personally.
Advantages of this card
Its main advantage is the lowerThe cost with a full set of features of a full international card. As of 2014, the cost of annual service is, for example, in Sberbank - 150 rubles, mobile bank - 60 rubles per month. For comparison, a similar card, issued not on a preferential "youth" program, costs 750 rubles a year, a mobile bank - 60 rubles a month.
Service card type Visa Electron, whichHas less capacity and is intended for payments inside the country, will cost 350 rubles, a mobile bank - 30 rubles a month. Validity period is 3 years. It is possible to make your own design. Connection to an online bank is free.
A youth card is the best choice for young people who often use bank cards.
All discounts, bonuses and loyalty programs alsoAct in full measure for the holders of youth cards. For active users of bank cards from the age of 14 to 25 years, all other things being equal, the benefits and benefits of obtaining it are obvious, so it definitely should be in your purse.