The banks and plastic cards that they issue to us have long become an integral part of our being. Many people use them without even thinking about the opportunities that they miss. But after conducting a few simple operations in a mobile bank, you can slightly increase your income and extract financial benefits. Let's take a closer look at how bank cards can work for us - ordinary people.
Still not one gate
For a long time, people were sure that all the banks play in one goal. That is, they give people cards from which the amount for service is debited. And if the card is also a credit card, then the percentage that a person overpays to the bank is simply predatory. But modern craftsmen have long understood that the same percentage can be obtained back into your pocket, it is only important to know how to do it competently. There are two main ways to get real and at the same time monthly income from your card (or cards). The only thing, it will depend on your expenses. So, let's begin.
Interest for the balance
In some banks, you can get a card that will pay you a certain percentage for the fact that it has money on it for a certain time. Income will be charged as a percentage of the amount that lies on the "plastic". Important to remember. that each bank offers its own conditions for this operation - somewhere the percentage is calculated from the remaining amount daily, somewhere the charges are made on certain dates of the month. On average, we can say that banks give out about 7% per annum for the fact that you keep money on their cards. Among such "generous" organizations are the following: Home Credit - the "Benefit" card, "Sovcombank" - the Halva card, etc.
Most popular scheme
"Experts" in this field recommend generally keeping money constantly on the card that accrues interest on the storage of funds. So yours, say, 100 thousand rubles a year can bring you an additional 7000 rubles. But if there is no such possibility, then we act, like many. We transfer salaries from a simple debit card to a profitable one. In parallel, we start a credit card for ourselves, with which we spend the usual expenses on food and household goods for a month. At the end of the month, when the bank has calculated your interest and added it to your account on a credit card, we will return the credit card debt from it.
Cashback
Already quite a sensational topic in the world of finance. Many people have already managed to draw up cards for themselves that allow you to get a certain percentage of your purchases back in your pocket, and if you are not one of them, urgently join. Let's start with a simple one. Almost every self-respecting bank offers its customers cards with a 1% cashback for everything. That is, exactly of the amount that you spend paying with a card for a month, you will receive 1 percent. A trifle, but nice. However, there are even more advantageous offers.
What do you spend the most on?
Think about what it takes almost all of your earnings on a monthly basis? Is it food for the whole family? And maybe these are sports goods, clothes, embezzlement on ordering food from restaurants and going to bars? In a word, evaluate your "way of marketing finance" and you can get 3, 5, or even 10 percent, back from these expenses. Some banks issue cashback cards by category. That is, when making a purchase at Auchan and having a card with a cashback for food at 5%, you will receive much more money in your wallet than if you have a card with a total of 1%.
Real cards and their capabilities
In order for you not to think that all these are myths, inflated from non-existent facts, we give real examples. So, at the top of the list we have a card "Excellent" from the CSG. She will return you 5% of purchases in all supermarkets of the country and 1% - from the remaining embezzlement. A unique card is Halva from Sovcombank. If you use it to pay in stores such as Crossroads or Pyaterochka, then you get 3% cashback back. But if payment is made from the phone (but with the same card), then the return is already 12%.
"Fill" your wallet
As you already understood, in order to have as much cashback as possible, and from all your expenses, it is important to choose the most suitable card. But what about those who do not spend the most money on certain goods or services. What if for one month you, for example, spend only on food, but by the next you begin to walk, have fun and visit various institutions? Is it really necessary to be content with 1% of the total card with a cashback? Not. You just need to work a little more and create for yourself several cards with the Cash Back function for various needs. Just pay with the right card every time - and you will always be in the black.
Underwater rocks
Since cashback is primarily a benefit for a bank customer, we, ordinary users, are constantly trying to catch on the hot. To do this, banks regularly change the conditions under which the system works. Every 3-5 months, the amount of interest that you get back to your account is reviewed. The list of stores where you can make purchases varies, and so on. Extreme vigilance is required of you - study the information on the conditions of using your card on the bank’s website, then you will never fall for such a hook.
Why do banks give us money?
Is it really profitable for the bank to pay us the same 100 rubles just for the fact that we "stocked up" for a tidy sum in a supermarket? Yes, for them this has its own benefits. Let's put all the points on the shelves.
- If we are talking about cashback, then the whole thing is solely in reputation. A bank that cooperates, for example, with Sportmaster and issues cards to its customers that allow them to shop in this store and receive 12 percent back, will issue cards to a much larger number of citizens than a more "greedy" financial structure.
- And what about the interest that is accrued to us simply because the money lay on the card for a month? What do they get from this? Here everything is the same as in the case of a long-term deposit. The Bank uses your funds in its operations and assets, thereby increasing its capital. The general state of the structure is growing, so they pay you a kind of gratitude for the fact that you made a small but significant investment.
What earnings await us?
So we come to the most interesting part of our conversation. What amounts are we talking about? So, your income from such manipulations with bank cards will directly depend on your investment. Since both cashback and profit cards do not charge you the exact amount, but rather a percentage of your expense / profit, then rely on these indicators. As mentioned above, the average annual percentage that the bank offers for storing funds on a credit card is 7%. That is, about 0.5% per month of your salary (or the amount that you put on the card).
Cashback brings much more. You can spend on shopping not only your salary. On a card that returns one or another percentage of purchases, you can simply put extra money through the terminal (or transfer it from another card). So by spending more, you will get more too. By the way, the largest cashback is offered by online stores. Therefore, carefully follow the news in this area.
Afterword
It is important to say that all these ways of making money are completely legal, and by turning one of the schemes described by us or all at once, you do not risk anything.Moreover, the bank employees will even tell you more about their offers and profitable solutions. However, it is worth remembering that it is advisable to draw up such cards not in very large banks. Organizations such as Sberbank, Russian Agricultural Bank, VTB and other "giants" will not offer you profitable interest - they do not need it. But their younger competitors, who do not have such a large number of customers, will be happy to make you rich.