Nowadays, almost everyone, from schoolchildren to pensioners, has a bank card (and not even one!). But the attitude of the population towards this "plasticity" is still ambiguous.
Many people, especially people of the older generation, are afraid of using bank cards. Having received a salary or pension, they immediately withdraw the entire amount from an ATM, transferring electronic money into the usual paper money. But is it worth doing? Here are at least 5 reasons why it is better to use a bank card rather than cash.
The card is convenient
It does not take up much space, you can instantly pay with it almost anywhere: at the checkout
in shops, in cafes, at gas stations and even in public transport. No need to think about whether
you have the required amount in your wallet or change for travel.
In addition, when paying in cash, anyone runs the risk of running into counterfeit bills. The
seller, not recognizing a fake at the checkout, may accidentally hand it in as change. By paying
with a card, you are guaranteed to be insured against such an unpleasant situation.
However, technologies do not stand still - nowadays you can pay not only with a card, but also
with various gadgets with NFC technology - smartphones, watches, bracelets, etc. So in the
near future, bank cards in their usual form are likely to disappear altogether having migrated to
digital platforms.
The card is safer than a wallet
Imagine: you lost your wallet or it was stolen from you. This means that you can say goodbye to
the cash that was in it once and for all. With a bank card, everything is different. Whatever
happens to it: fell out of a pocket, forgotten at the ATM, gnawed by a dog, - nothing threatens
your savings. Because money is not stored on the plastic itself, but on the bank account that is
tied to it. The card is just an identifier. Contact the bank branch, and in a few days you will
receive exactly the same new one, and during the "waiting period" you can easily withdraw the
required amount from your account in any bank branch, simply by presenting your passport.
Card is profitable
If you were told ten years ago that for every one hundred rubles spent, a person who sold you
the wallet would return five rubles to you, you would probably spin at your temple. But this is
exactly how cashback works: the more you spend, the more you earn. Cashback are bonuses
that the bank gives you for choosing to pay by card. They can be different: bonus points, miles,
coupons or money.
These points can be used to pay up to 99% of the purchase price or services from the bank's
partners: from online services to grocery chains, they can also be used to pay for cinema
tickets, as well as spend on air and railway tickets.
The amount on the card is easier to control
Let's say you only use cash, but you are not in the habit of keeping “personal accounts” to keep
track of your expenses. What's the bottom line? Money flies away "it is not clear where".
But all transactions with bank accounts must be recorded. Most banks offer their customers a
service on the movement of funds on the card. This service allows you to instantly learn about
any card transaction, the amount of the payment and even the place where it was made. This
means that you can always restore a picture of your expenses for the last week or month.
The card is your "bank in your pocket" 24 hours a day
What we used to spend more than one hour on can now be done in seconds, without getting
up from your favorite couch. If you have a bank card, download the mobile banking application
to your phone, thanks to which you can make many transactions anytime, anywhere. Also,
using the mobile application, you can always control your bank accounts, transfer money to
other people, even abroad, open online deposits, pay fines and taxes, issue insurance, receive
an electronic statement on any transactions on your card and much, much other