Posts tagged credit card

The cards that we consider in our investigation are classic, also called “on balance” because the payments are charged in a single month following that in which the purchases were made, and the papers called “ optional “which provide a choice between the traditional one-time payment or in installments.
Choose the credit card. Altroconsumo paper should go to?
Credit card: the evaluation criteria
When we go to evaluate the purchase of a classic credit card, you must pay attention to at least three out convenience:

The reference circuit card, ie the network of banks and shops where you can use it, which should be as broad as possible.

The card security: in case of loss or theft, and subsequent use by outsiders, the maximum charge should be 150 €, as required by the EU Recommendation 489/97;
The cost-effectiveness, which is determined by a set of costs ranging from an annual fee to the cost of using (sending statement of account, cash advances, use abroad, pay for petrol).
Additional services of credit cards
If you buy a credit card, the bank usually puts at our disposal some free services that let you control the movements and purchases made with the card.

Sms alert. The owner receives a text message to your phone with details of the purchases made. Are typically reported expenditures that exceed a certain amount (in some cases you will receive the balance of the weekly paper). Better to ask to activate the service by sending text messages to each purchase. Is also an information service for the customer. Be wary of any message that asks you whether directly or indirectly the details of your credit card. The only emergency telephone numbers for the block on the card are those that you gave your bank.
Movements online. You can check movement of your paper also to the website of the issuing bank or agency. You can then challenge any errors before the payment is debited from the account and recorded on the statement.
Online statement. Allows you to have a useful reminder of the costs, but not all. When replacing the paper, often also allows you to have a nice savings.