Pentru cardul Visa Smart, limita liniei de credit este de maximum 10.000 euro sau echivalent \u00een lei calculat la cursul BNR de la data cererii, dar nu mai mult de \u015fase venituri lunare nete ob\u0163inute de solicitant \u015fi\/sau so\u0163\/so\u0163ie. Perioada de gra\u0163ie este de maximum 55 de zile, at\u00e2t pentru pl\u0103\u0163ile cu cardul efectuate la comercian\u0163i, c\u00e2t \u015fi pentru retragerile de numerar de la ATM\/POS. \u00cen fiecare lun\u0103, clientul trebuie s\u0103 ramburseze 5% din suma utilizat\u0103.<\/p>\n
Cardul are utilizare interna\u0163ional\u0103, fiind convertibil \u00een valut\u0103 \u015fi posibil de utilizat \u00een mediul electronic, la orice terminal ATM \u015fi POS care poart\u0103 \u00eensemnele de acceptare ale m\u0103rcii Visa. Comisionul este zero la plata produselor \u015fi a serviciilor la comercian\u0163ii din \u0163\u0103r\u0103 \u015fi str\u0103in\u0103tate, precum \u015fi la plata facturilor de telefonie \u015fi utilit\u0103\u0163i.<\/p>\n
Cardul poate fi folosit \u015fi pentru alte opera\u0163iuni la ATM, precum schimbarea PIN, interogarea de sold, listarea extrasului cu ultimele 10 opera\u0163iuni efectuate cu cardul, precum \u015fi plata f\u0103r\u0103 comision a facturilor de telefonie (Orange, Vodafone, Romtelecom), precum \u015fi a altor servicii de utilit\u0103\u0163i (E.ON Energie SA, Electrica Furnizare SA).<\/p>\n
Visa Smart urmeaz\u0103 lans\u0103rii creditului OneSmart, destinat refinan\u0163\u0103rii creditelor ipotecare \u015fi\/sau de consum pentru persoane fizice. “Dac\u0103 prin OneSmart se pot cumula mai multe credite \u00eentr-unul singur \u015fi s\u0103 pl\u0103te\u015fti o singur\u0103 rat\u0103 mai mic\u0103, la fel se \u00eent\u00e2mpl\u0103 \u015fi \u00een cazul persoanelor care au mai multe carduri de credit, overdraft \u015f.a.m.d. \u015fi doresc s\u0103 le adune \u00eentr-unul singur”, a comentat Georgiana Mincu, director executiv al re\u0163elei de retail a B\u0103ncii Comerciale Carpatica.<\/p>\n
Carpatica, institu\u0163ie de credit controlat\u0103 de omul de afaceri Ilie Carabulea, a raportat pierderi de 36,5 milioane de euro \u00een 2010 \u015fi de 4,3 milioane de euro \u00een primul semestru din 2011.<\/p>\n","protected":false},"excerpt":{"rendered":"
Banca Comercial\u0103 Carpatica a lansat un nou produs de refinan\u0163are, Visa Smart, destinat clien\u0163ilor care vor s\u0103-\u015fi adune mai multe carduri de credit \u00eentr-unul singur.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[510],"tags":[7267,10345,7820,10698,7736,10457,24734],"class_list":["post-51080","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-banci","tag-carabulea","tag-carduri","tag-carpatica","tag-credit","tag-refinantare","tag-visa-smart"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/51080","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=51080"}],"version-history":[{"count":1,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/51080\/revisions"}],"predecessor-version":[{"id":68041,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/51080\/revisions\/68041"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=51080"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=51080"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=51080"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}