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Cartile de credit

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Cartile de credit
O serie de banci pun la dispozitie in acest moment acest instrument extrem de util care este cartea de credit. Fie ca ea este VISA, MasterCard sau American Express, modul de functionare este similar.


Deci cum functioneaza sistemul? Sistemul de carti de credit a fost creat cu intentia de a-i permite cumparatorului sa-si satisfaca imediat dorinta de cumparare de bunuri si servicii. Prin cartea de credit riscul este transferat de la vanzator la institutia financiara care a emis cartea de credit.

Cumparatorul prezinta vanzatorului cartea de credit.

Vanzatorul trimite numarul cartii de credit si detaliile tranzactiei la un sistem de autorizare.
Acesta fie autorizeaza direct tranzactia, fie o directioneaza la banca emitenta a cartii de credit, pentru aprobare.
Periodic (de exemplu, zilnic) vanzatorul trimite detaliile tranzactiilor aprobate catre banca sa.
Aceste informatii sunt trimise la asociatia emitatorilor de carti de credit dupa ce au fost procesate tranzactiile pentru care banca respectiva este si colectoare si emitatoare de carte de credit.
La sfarsitul lunii, consumatorul primeste facturile pe care trebuie sa le achite, altfel va plati dobanda pentru creditul acordat de banca ce a emis cartea de credit.

Care sunt avantajele folosirii acestui sistem?

In primul rand acela ca puteti face o cumparatura imediat, chiar daca nu aveti banii respectivi. La majoritatea bancilor, comisionul de utilizare a cardului la comerciantii care accepta plati cu carduri este 0. Un alt avantaj este perioada de gratie pe care o aveti, in care nu platiti dobanda. Aceasta perioada poate fi de la cateva zile pana la 56 de zile. Completand sumele retrase de pe cartea de credit in acest interval nu veti plati nicio dobanda.

Care sunt dezavantajele?

Acestea nu sunt prea multe. Dincolo de comisioanele destul de mici si taxele anuale de administrare, singura problema este nivelul dobanzii atunci cand se depaseste plafonul perioadei de gratie. Cand se intampla acest lucru dobanzile pot sa ajunga si la 28% la lei, ceea ce reprezinta o valoare foarte mare.

Oricum cartile de credit sunt un instrument modern de plata si creditare care in urma cu cativa ani erau aproape neutilizate, iar acum reprezinta un standard normal pentru orice comerciant, indiferent de natura afacerii pe care-o administreaza.

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