Types of cards: credit, debit, pre-paid, Revolving...

Tweet sharing we will begin by analyzing all types of credit cards and ordenaremos them of less dangerous to more. I won't go into many details about the danger of credit cards that you can read it in our previous article and thus you will do an idea. Credit cards: the worst enemy of the saver.

We started:

0. Pre-paid bank cards: as in telephony, much of the banks already have available this type of card, which you can recharge from any ATM with the amount you want, which will be deducted from the account associated with the card. An excellent way to control what you spend and in case of theft, they could only use the available balance.

1. Debit card: this type of card is healthy, taking into account that this is a form of "pay cash" without having to carry cash on top. In how much you pay in an establishment is loaded to the associated account, so it does not maintain any type of debt. It is not a credit card and the maintenance costs are minimal even being negotiable with the Bank for lack of them, according to Bank and client that you are.

2.Tarjeta of deferred payment debit: are equally that current debit cards, unless the amount is not effective in your account until the chosen day. Of this type there are weekly, fortnightly and monthly. Let's say that everything you pay with your card for a whole month, load you it day one of the following month and interest-free. This type of card is highly recommended to get you out of trouble at any given time without adding you more debt to your personal finances.

3. Debit charge on credit cards: are the same as the charge with deferred payment, except for the amount you pay, you have the option to split it up into 3 months. If you pay € 150 in an establishment, automatically share is divided into 50€ x 3 months. The cost of this operation is usually minimal, that among other things, this type of card allows only a postponement of small amounts. The maximum credit is usually around 300€.

4. Credit card: as we speak literally a personal loan, with which you have a credit that you are using or blow either little by little in our previous article, this credit card. As you increase the credit, the interest is calculated on the total debt. It is the "endless payment" card. At the time that you start to use it, you probably observe that your economy will be more affected month after month, unless you choose the option of single payment the following month.

5. Cards "revolving": the most dangerous with total and absolute difference. It has all the ingredients to make you fall into infinite debt. This card allows you to have your money total or partial pay and defer debt in months or years paying a minimum fee each month and like the above, the interests are calculated on the total debt. As you go to pay the fee, your credit is will regenerate, so it tends to be pay the fee with the same payment for the previous quota. Not only is endless payment but that you can raise your debt perfectly in the case of a simple non-payment.

Out of this ranking of cards, there are others who were born to make purchases over the internet in a secure way, which function as a pre-paid card or disposable cards. These cards, call them "Pay pal" Although there are other names, are ideal when you decide to make a purchase on a web page but you don't want to give your account number or card number. Let's say that you enter a virtually anonymous purchase, taking your banking data secure as well as when you make or receive a payment via Pay pal.

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