To receive gifts like, no doubt, everything. But the choice of a gift can be quite difficult. The more you want to please the native person for whom you are going to buy a present, the more difficult it is to decide with a choice. You are ready to spend more than one hour in shops, frantically searching for something that can surely please your relatives. Some confidently assert that the best gift is money, but you will agree, to hand over the envelope, with enclosed bills, is already somehow irrelevant.
The original solution is offered by banks. So, you can make an original and unexpected surprise, if you present a gift card. To become the owner of such a card is very simple - you simply acquire "plastic" and put on it as much money as you were going to give.
How to buy a gift card?
"Gift plastic" you will not be offered in any bank, and the terms of purchase are very different in different credit organizations. In rare cases, in order to buy such a card, you need to come to the bank, but more often it is enough to visit the outlet, which is a partner of the bank. These retail outlets include shops, travel agencies and even car washes. Another way to purchase a card is to go to the appropriate site and order it there. Such a service is offered, for example, by the bank "Russian Standard".But if you decide to buy a card in Sberbank, then go to the salons of Eurotel. If you need the best bank offer in a particular city, use the convenient service of Comparni.ru. For example, you can search for gift credit cards in Orenburg or any other city.
"One-time" card
Unfortunately, as a payment tool this card can be considered very conditional. Using it, for example, you can not cash out funds or replenish an account - only pay for goods or services at regular retail outlets or online stores. And you will have to exhaust the money limit within a year, otherwise you will lose all the funds available on the card. However, some banks offer great opportunities to their customers. So, FiaBank allows you to cash out the money you need. Other drawbacks of gift wrapping include the fact that in case of losing the card, you can not block it or register again.
What is required?
When buying a gift card, take an identification card with you( although, the most reliable bank in Russia - Sberbank, for example, does not require it).By writing an application and replenishing the card account with the amount of money in the range of 1,000 - 15,000 rubles, you must pay a commission of 50-100 rubles.
Credit "plastic" as a gift
Sometimes the bank itself makes similar gifts to its customers, although this gift is not free, because such cards are credit cards. In these cases, the bank provides you with a card and access to its funds, for example, as an additional service when drawing up a consumer loan for a certain product. It happens that the bank sends you a card in the mail as a gift. However, do not rush to rejoice. It is better to study the rating of credit cards in 2016, the most profitable credit cards are represented exactly there. Remember, by spending money from this card, you still use a loan that will need to be returned.
