Product Department Director
This belief has for a long time been a thing of the past. Nowadays, banks offer a very wide range of products, among which everyone can find a credit card tailored to their individual needs and financial capacity. At Citi Handlowy, a net income of PLN 1,200 is sufficient to obtain a Citi Simplicity card. This is over two times less than the average remuneration at micro-enterprises, amounting to PLN 2,577 (data of the Central Statistical Office). The remaining requirements aren’t very restrictive either: age above 21 years and a minimum of 3 months of past work at the current workplace. You have to admit that these are minor requirements.
We can’t see the point of it either; therefore, a credit card can be issued without opening an account with a given bank. But why would you take a card from a different bank than your account? The answer is: to have more beneficial conditions and access to attractive discount programs. Today, banks can offer far more than a loan or ensuring that your funds are secure – a welcome gift of PLN 300 to a selected shop and discounts of up to 50% to use at restaurants, for a cruise, hotels or theater tickets are an additional perk.
You have 56 days following a credit card transaction to repay the amount without interest – this gives you almost 2 months to settle your obligations. The card itself will not cause any debts – to properly use the card, you have to observe repayment deadlines. Make sure to properly manage your funds even before inserting your card into the terminal or clicking the “make a transfer” button online.
This statement is also false – what’s interesting, now you can even profit from a card. A card is issued free of charge, so all you need to do to ensure free use is regularly repay the money. How can you get more from a card? <linki do https://www.online.citibank.pl/karty-kredytowe/citi-simplicity.html> It’s simple – just take advantage of one of the above-mentioned discount programs. What you save, you gain.
Are you sure? A credit card not only grants you access to the said discounts but also saves you time. And, as we all know, time is money. A credit card will help you quickly book a flight or a hotel room abroad. <linki https://www.online.citibank.pl/karty-kredytowe/mastercard-world.html> This advantage is especially useful in situations where every second counts. You shouldn't waste it on confirming debit transactions.
Together, it took us a few minutes to debunk myths accumulated over the last 20 years. Share this knowledge with others, maybe they will become more positive about credit cards.