Benefits and types of credit cards

 Unlike a standard consumer loan, a credit card is a less universal tool. It is distinguished by a faster processing time, the absence of the need to confirm the presence of the purpose of the loan. In most cases, the borrower does not need to visit the bank - it is enough to apply online and get the result.


Types of credit cards.


As a rule, credit cards are divided into several types, each of which has distinctive features.


According to the size of the credit limit:


Economy. This type implies a limit on the amount you can use. As a rule, free maintenance is provided;


Standard. The annual rate on credit - from 20 to 24 percent. Servicing this type will cost the owner a large amount. Often a grace period of up to 66 days is provided;


Gold. The borrower is given a very large amount of money to use at an annual rate of 15 to 25 percent. 


Premium.


A card with a limit of up to several million dollars at an interest rate of 12 to 20 percent. Annual maintenance is expensive. Also, the owner is given a number of bonuses.



According to the territory of validity distinguish:


Domestic. 


International. These cards can be used in any country in the world. This type includes Master Card and Visa Classic.


In terms of processing time, best credit card are divided into:


Instant - this card is made from half an hour to a day, has a number of restrictions, including a smaller credit limit;


Classic. Issued from two days to a week, the issue may take up to seven days.

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