Credit cards are one of the preferred means of payment for Spanish users. This is shown according to the data provided by the Bank of Spain's Payment Systems Department, which confirms that there are accounted for in Spain 48,09 million of these plastics. Where there is hardly a user over 18 years of age who does not have a means of payment of these characteristics. Something that speaks of the relevance that cards are taking in the daily life of citizens.
Credit cards have become the main point of reference for obtaining some of the financing instruments preferred by Spaniards for postpone your purchases. Through different modalities that they have been implementing and that allows users to get out of more of a hurry. Either through a total payment at the end of the month or through the payment of fixed monthly installments or a percentage of the debt. Not surprisingly, the flexibility to manage this banking product is one of its main hallmarks.
However, the cards they don't usually come out for free, but on the contrary they entail a series of commissions and expenses in their management and maintenance that is the main inconvenience to hiring them. Just as it may have happened to yourself at some point in your life. This is the reason why a good part of the users try to cancel or at least reduce these bank charges. In this sense, there are many strategies they have so that in the end the contracting of this banking product so present in customer operations does not generate any disbursement.
Cards: linking to payroll
Of course, one of the most effective systems to achieve this desired objective is based on linking the payroll or pension to a bank account. This idea is generally represented by the so-called payroll accounts and of which almost all financial institutions have a model of these characteristics. They offer their holders various advantages of all kinds but one of the most appreciable is precisely this. With its formalization you get to have a credit or debit card totally free. Without having to face any expenses for its management or maintenance.
A good part of bank customers opt for this loyalty model to have their plastics. Because it is very easy to formalize it and you can even improve the profitability of the saved savings. Because in effect, they provide an interest rate that in the most aggressive proposals can reach levels up to 5%. Something unimaginable at the moment due to the reduction in the price of money by the community monetary authorities. And that has led to the average profitability of these financial products being around 0,10%.
For preferred customers
Without a place that being a good client has its advantages and one of them is the elimination of commissions and management expenses in the Credit and debit cards. In this case, you will only have to negotiate these conditions so favorable to your interests. Not surprisingly, this class of clients do not have any kind of problems to get to this starting point with their bank. Like other series of benefits that some bank accounts suffer from. Among those that stand out the elimination of all bank commissions, access to a more competitive interest rate in the vast majority of credit lines or even providing you with a payroll advance.
Of course, one of the great objectives of financial institutions is reward your best customers. And if they have a very powerful current account balance, so much the better. Your wishes will be satisfied almost instantly and without you having to contribute or subscribe to other financial products. For example, pension plans, investment funds or any product intended for savings. In addition to starting from better positions to improve the contracting conditions of a good part of the financial products. If you are part of this group, congratulations, because you will not pay a single euro for the ownership of your credit or debit cards.
Offers for new customers
This contracting system is another option that you have at the moment to be exempt from commissions and expenses on the credit or debit cards contracted. To the point that it is a hook used by financial institutions to capture customer savings. As with the other models listed above, this one offers other features that can be very advantageous for you from now on. As the possibility of subscribe a term deposit with greater profitability than until now. With an average return on savings of 1,50%.
This class of accounts is fundamentally characterized by its flexibility as they are made for all kinds of profiles. From the oldest users to the youngest segments of the population. There are no limitations, but on the contrary, some of its advantages have a previously set expiration date. This is the case of term deposits and they offer you a broader return only for a period of time. Usually around 6 or 12 months and only for a section of the savings. It may be one of the best options to increase your positions from now on.
Accounts in online format
If something distinguishes current accounts that are formalized online, it is that they allow you to improve the conditions of this financial product. Due to lower expenses that financial institutions have to bear. As a result of this action, you will surely get rid of commissions from now on. With the advantage that you can open this marketing format comfortably from your home or from wherever you are, such as at your vacation destination. In addition, they always have a few tenths more in remuneration from the first euro.
Online accounts, on the other hand, are very easy to contract and are often full of offers and promotions that will help you maintain excellent relationships with your usual bank. They are a product that is present in the offers of all banking entities so that you can manage your money even from the mobile or other technological supports. It is a clearly upward product that is accessible to all users. Not in vain, you only need to have a device of these characteristics from which you can operate with the bank you want.
From new financial platforms
One of the last resources that you have from now on is to go to the new technological banking and satisfy these desires. Because in effect, from the first moment all accounts are enabled with this important feature. Where you can choose which card you want to be exempt from commissions and other management expenses. Whether the credit card or on the contrary in debit format, always depending on your real needs. In addition, your family can benefit from this business strategy by having a additional card for a relative of the account holder.
In any case, this is a system used by younger users to get their first credit or debit card. Due to the special characteristics of this class of bank accounts. In all cases, its formalization is channeled through new technological formats. A factor that limits its entry to older clients who have a greater difficulty in dealing with these information media. Either way, it is another very interesting option to protect your interests in any scenario that arises right now.
Operations from cards
In another vein, it is very convenient for you to know that from this universal means of payment you will be in better conditions to operate with your bank. You can withdraw money from ATMs at any time of the day, make deposits or domicile the main household bills (water, electricity, gas, etc.). On the other hand, you can make the payment of your purchases in all commercial establishments. With the option of deferring payments in several months, they are even interest through different modalities in plastics. So that in this way, you can arrive in a better position at the end of the month.
Another advantage of this means of payment resides in the fact that you can provide yourself with liquidity whenever you want. Even with access to a series of promotions and offers that will allow you to have discounts and bonuses on purchases made. Or to make reservations for your vacation trips (hotel accommodation or car rental, among some of the most relevant services. In short, a wide range of services that can come in handy in your daily life.