Maps which we choose.
Maps which we choose.
It is difficult to imagine the person, which never
Travelled. It is even more difficult to imagine the person, which
Never dreamt to travel. Also it is practically impossible
To imagine Russian person who would travel, not
Having in a wallet of several hundreds earned then and blood
Dollars. Often enough Russian abroad learn on
To this sign. In some countries cash pay off
Only drug dealers and dealers the weapon. Cash are unprofitable:
The commission for their exchange for other currency can be very high. In
The end of the ends to carry a thick pack of money not absolutely conveniently. Except
All other, a wallet can steal then to return the
Money it is practically impossible.
All these problems are easy for avoiding, using a slice
Multi-coloured plastic of the rectangular form, called by the plastic
Map, bank card, payment map or credit card.
All listed terms mean same - the tool,
Allowing to make certain actions, having some sum
Money on belonging to the holder of a map the bill. The list
Possibilities which you receive, having a plastic card,
It is extraordinary great and depends from type of a map and payment system.
In the world there is a set of payment systems. Exist
The local payment systems, which maps operate in
The limited space, whether it be a city, region or the country.
Volumes of their release are seldom estimated hundreds thousand, and
Possibilities which they give to the holders, are reduced
To two cores: payment of the goods and services and reception of cash on
To map, and, as a rule, only in region of their issue. But is
And the international payment systems which are letting out maps in millions
Pieces and giving to the clients service very high
Class in any point of globe.
Owners of maps of the international payment systems, namely about
Such maps speech will go more low, can with benefit for itself
To use really boundless possibilities of the plastic
Maps:
- Map as an instrument of payment worldwide: payment
The goods and services of trading enterprises and life sphere - hotels,
Shops, including through the Internet, restaurants, cafe, tickets
On transport, transport rent, studio, laundries, drugstores,
Medical institutions, telecommunication service and so on;
- Map as economy means worldwide: possibility
To use discounts and special conditions at payment every possible
The goods and services - preferential or free life insurance,
Luggage, fee of hotels, studio, restaurants, cafe,
Medical institutions, payment of the goods in shops, a telecommunication service,
Tickets for transport with discounts, rent of the car with the free
Reception of an insurance package and many other things;
- Map as an accessor: possibility to use
Services of VIP-halls at the airports, reception of the reserved place
In hotel even in case of your delay and other;
- Map as means of reception of cash: reception possibility
Cash in country currency in which you are, with
Collection of the minimum commission fee;
- Map as the adviser in any country of the world: reception
The owner of a map of consultations at any time on questions
Legislations, business and health, the help in case of emergency
And so forth.
I wish to repeat once again, that all listed possibilities
Depend basically on two moments: payment system, a map
Which you use, and map type.
In my opinion, the person which is intended to devote
Considerable part of the life to trips abroad, whether it be tourism
Or business trips, it is necessary to pay attention on "the hot
The four "the card world - maps of payment systems VISA, Europay,
American Express and Diners Club.
The listed payment systems are in the lead in the world practically on
To all indicators: by quantity of the let out maps, volume of operations
On all maps of system, volume of operations counting on one map and
Etc. They are also the main competitors and is indispensable
Underline those or other advantages peculiar only by it.
What card products let out the payment
Systems-leaders? We will begin with the company to which posesses honour
Release of the first-ever plastic card (1950) - Diners Club
International.
Map Diners Club International is by definition elite
Club map from series T&E (travel and enjoy), focused on
The people who are engaged in business, having the stable income above
Average and often enough making business or tourist
Trips.
Distinctive features of map Diners Club International
Are not only the developed network of reception (more than 5 million points
In 180 countries of the world), but also presence of a specific set
The additional services provided with branches of the company.
To the Russian holders of maps Diners Club International
The international currency maps with economic are offered and
Standard package deal. A service basket of a currency map with
With standard package deal it is very rich:
- The organisation of business and tourist trips in the country and
Abroad, the order and delivery of tickets, booking of hotels and
Rent of cars with granting of discounts, drawing up
Individual routes of private trips and many other things;
- The program for constant clients of 12 international
Airlines which allows to accumulate so-called
"Free miles". Depending on number of the typed miles the holder
Can raise a class of the air flight or is free receive
The air ticket;
- Free access to a network of exclusive salons Diners Club
International in 70 of the largest the airports and world business centres, in
That number at the Sheremetyevo airport where it is possible to have a rest, spend
Business meeting to use telephone and facsimile
Communication;
- Services of international telecommunication, which
Are given automatically at card reception, with
Write-off of expenses for telephone conversations from the card bill;
- Free insurance and the help during trips abroad and
On Russia providing insurance coverings to 100 thousand
US dollars;
- Protection of a card against not authorised use,
Providing in case of loss or theft of its card
Immediate blocking, release and delivery of a time card,
Indemnification of a part of the possible not authorised payments and payment
Emergency expenses;
- Reception of cash in cash dispenses, banks and in
Representations Diners Club International worldwide;
- The discount program - granting of discounts for the goods and
Services for holders of cards in trading and service
The enterprises of the highest level;
- The guaranteed booking in hotels (an order
7000 hotels worldwide);
- Round-the-clock information support.
There is such map within 150-200 US dollars a year with
Entering on the bill of an insurance covering of the sum within 1000-1500
US dollars.
The largest Russian banks having for today
The right to release and service of maps Diners Club International,
The Slavic bank, TEMBR-BANK, the Bridge-bank, Bank of Moscow are,
mezhprombank, MDM-bank. Under my information, any bank of Samara
The given map does not give.
American Express - the company following on age working
In the market of plastic cards since 1958. Unlike Diners Club,
Users American Express do not belong to the defined
To social group. The company lets out weight of various maps of a series
T&E, beginning from card products for middle class, for example
The American Express Card (green card), and finishing "high end"
Card business - platinum The American Express Platinum
Card with which heads of the largest companies pay off and
Visible politicians. From all variety of the card
Products American Express in Russia it is possible to receive three kinds
The personal maps extended by the Russian representation
The companies together with banks-partners. These are so-called The
American Express International Dollar Card, let out for
Not American market.
Russian private clients American Express can receive
Following kinds of maps: "Green" The Personal Card, "gold" The
Gold Card and "platinum" The Platinum Card. All listed
Maps give service of the highest class in any point
Globe (5 million points of reception in 200 countries of the world) and
Differ only by and completeness of a service package. Most conveniently
To present a service package of maps The American Express
International Dollar Card in the form of the table.
From the table it is visible, that the above a map class, the it is more
Possibilities it gives to the owners. However that
More expensively it also will be. In Samara with maps American Express work
"Solidarity" and Gazbank. The prices of the banks giving maps
American Express, differ with time several times, but on the average
Maps The American Express International Dollar Card it is possible
To get in the largest banks (BIN-BANK, "Baltic", "Zenith",
MDM-bank) with the following provisions:
- the Personal Card: annual service charges in
Limits from 100 to 200 US dollars, the size of an insurance covering
From 5000 to 15000 dollars;
- the Gold Card: annual service charges from 200 to 400
US dollars, the size of an insurance covering from 10000 to 25000
Dollars;
- the Platinum Card: annual service charges in
Limits of 700-800 US dollars, the size of an insurance covering from
50000 to 75000 dollars.
The resulted figures testify, that maps American Express
Presumes to itself far not everyone. But "ovchinka costs
Manufactures "if the holder of a map wishes to receive service most
High world level.
Less exacting clients can get the plastic
Maps of the youngest participants and simultaneously leaders of the world
The card market - payment systems VISA International and Europay
International.
Payment systems VISA and Europay give the most accessible
Services for travelling people also are guided in the
To the marketing policy on absolute all levels of population, beginning
From students and youth and finishing men of means.
Distinction between these systems mainly consists in
"Historically developed" opinion on system VISA as about the working
Basically in the American market and applying for a rank
Global (18 million points of reception in 300 countries of the world) and about
Europay as about the system focused in basic on the market by
"The historical native land" (17 million points of reception in 222 countries).
In Russia it is possible to receive following card products VISA and
Europay:
- VISA Electron/Plus - a popular card. To become it
The holder, it is not necessary to bring the insurance deposit. Thanks to it
Practically everyone, irrespective of income level, can become
The holder of this card. It is intended for calculations in
Rest limits on the card bill by removal of cash and
Service in trading and service points. Use of this
Obligatory carrying out of procedure of authorisation means maps
In case of operation fulfilment on it (the solvency control
The client) also reduces to a minimum risks of the emitter;
- VISA Classic - a card for the ordinary client who has
Stable incomes. This card can be as debit (with
Obligatory authorisation), and credit (without the obligatory
Authorisations). It is accepted for payment of the goods and services in all
The world. Within the rest on the bill on it it is possible to receive cash
In cash dispenses, points of delivery of cash and a currency exchange. In the western
Banks the card stands out at presence at the client constant
The bank bill and favorable credit history. In the Russian
Banks business is a little differently. The credit by a card
It is given on the security of the insurance deposit. Sometimes it not
It is required, then the card is debit. Very often
Possibility free of charge is given to owners of this card
To use various discount systems and special
Offers from company VISA;
- VISA Gold - a card intended for most
Well-founded clients. Differs from VISA Classic the sum
Given limit in case of crediting and service
Package which can contain:
Insurance of the holder of a card upon accident (as
Rule, for an additional payment);
Insurance and discounts at car rent;
Granting of the round-the-clock
Information-consulting support;
The help on medical and to legal issues;
Discounts to 10 % at payment of the international telephone
Negotiations; the guaranteed booking of a hotel accommodation,
Booking of places at theatres and at sports competitions;
Rendering of the round-the-clock help on blocking lost or
The stolen card, urgent delivery of a time gold card
Instead of lost, urgent delivery of cash within 2000
Dollars in case of map loss;
Discounts and special offers from working with VISA
The companies.
- Eurocard/MasterCard Cirrus/Maestro - a popular card.
Practically everyone, irrespective of income level, can become it
The holder. It is a debit card for electronic calculations. On
She can receive cash in cash dispenses and to pay purchase in
Shops with system logos. A card not embossiruetsja.
It excludes use possibility bezavtorizatsionnoj
Procedures at registration of purchase or reception of cash;
- Eurocard/MasterCard Mass - a high-grade card for
The "average" client who has stable incomes. A map
Is accepted for payment of the goods and services practically in any country
The world. Within the rest on the bill on it it is possible to receive cash
In cash dispenses, points of delivery of cash and a currency exchange. Very often
Possibility to use is given to owners of this card
Services of various discount systems and special offers
From companies-partners Europay;
- Eurocard/MasterCard Gold - a map for men of means.
Set of additional services (about same, as for the gold
Maps VISA) convenience at an expenditure of money provides, comfort
And high quality of service.
The largest banks of the Samara area, and also practically all
Branches of the Moscow banks are ready to give to you in using
Maps of international payment systems VISA and Europay:
"Solidarity", Gazbank, the Samara bank of the Savings Bank of the Russian Federation,
"Automobile Bank building", Alpha bank, Guta-bank, Avtobank.
Tariffs of banks on granting of maps depend on the tariff policy
And marketing strategy of each bank and it is rather appreciable
Differ.
VISA Electron/Plus and Eurocard/MasterCard Cirrus/Maestro
Will manage to their owners on a floor price - from 1 to 15 dollars
For annual service. Thus entering of the insurance deposit not
It is required. For opening of maps VISA Classic and Eurocard/MasterCard
Mass it is necessary to pay from 20 to 50 dollars and to bring the insurance
The deposit in size from 100 to 500 dollars. Cost of the annual
Service of map Gold - from 100 to 150 dollars, insurance
The deposit - from 1000 to 4000 dollars.
To what card product and what payment system to give
Preference - taste business. The main thing - to be defined with the
Requirements, ambitions and financial possibilities. On the
To personal experience I can tell, what even with the cheapest maps
Any problems anywhere never arises, and with expensive - that
More. Your banks-partners and payment will be the guarantor of it
Systems VISA, Europay, American Express and Diners Club.
Evgenie Dudkin, the chief of department of private clients
KB "Automobile Bank building".
<$>
//* an information Source: the Samara review, 24.04.00
//* Reg. Nom. - 1100400045.67-------------------------------------------
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