Allikas: Kabeliit

This type of card looks and works similar to an everyday bank card, but uses your bank deposit like a guarantee or collateral. Should you be unable to spend the money for amount due on time, for example, the bank can apply your deposit to your outstanding balance.

A bank secured charge card is good for consumers who don't be eligible for a regular bank cards either since they don't have any credit history yet, or because they have gone bankrupt and therefore have undesirable credit scoring. Creating a bank secured charge card shows the bank that you are financially able to paying monthly dues. If you are using the credit card responsibly, the lender may eventually provide you with an unsecured personal line of credit. Numero de Carte Bancaire

Because you will only arrive at charge an amount that corresponds to your deposit, you can be certain that you will never overspend. If you find yourself not able to spend the money for balance, for instance, the financial institution simply deducts the payment from the checking account. Using a bank-secured credit card, there is no likelihood of incurring debts.

But like all other charge cards, the disadvantages of your bank-secured charge card crop up if you use it irresponsibly. If you don't pay punctually, as an example, you will end up confronted with high interest fees and late payment charges. Numero de Carte Bancaire

Most bank-secured credit cards only allow limited transaction frequencies, therefore you is only able to put it to use a specified variety of times. Financial institutions utilize this measure to guard against overdrafts. It's also very difficult to close a bank-secured charge card - you won't get a deposit immediately. The financial institution could keep your money for a few more billing cycles to help make sure that no sketchy charges were made. Numero de Carte Bancaire

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