About VISA cards
A collection of material about the benefits and rules of use of the most popular plastic card in the world.
Introduction
Cashless payments are increasingly part of our daily live. In our region, this process, for various reasons, is not so fast. However, even at local markets you can already find traders with terminals for UzCard. Such people move progress forward.
Scope
In fact, today it is not easy to talk about where your card will be accepted - they are in use everywhere. Using plastic card, on the basis of the national payment system, you can pay for travel in the subway, or, as we mentioned, even pay for a bunch of greens on the market. As for the internationally recognized operators, such as VISA, they are mainly "friends" with foreign shops and boutiques, large hotels, as well as restaurants - those that are more expensive and more focused on foreigners. From the domestic service, you can mention the purchase of tickets to Havo Yullari, which you will be able to make with VISA.
Much more sense is to talk about where it is difficult to do without a card. These are mainly the spheres of distance trading: online purchases, subscriptions to electronic services, etc. However, there are more interesting examples. For example, with a VISA card, you can make the world a better place: you will discover ways to communicate with the largest charitable foundations of the planet or socially useful online projects, such as WikiMedia.
Difference between Visa cards
VISA has in its arsenal of more than ten card options. One of the most popular are debit cards — this is a simple and transparent solution, most closely repeating the functions of paper money without additional credit services. Our Bank offers its clients three types of such cards: the initial VISA Electron and a standard VISA Classic, as well as status VISA Gold. Now more about each card.
VISA Electron is one of the simplest debit cards. It is popular in the CIS as a means of payment on the Internet, because it does not provide additional functions and, therefore, its service is cheaper. Although Visa Electron can also withdraw cash, it is more likely to be issued to customers with zero or limited banking history due to the increased level of control. This is a great option for those who are interested in shopping online and does not plan to get out with it abroad.
Optimal card with most services available — VISA Classic. It can be used both in the network and when paying in the terminal and ATM operations. In addition, starting with this card, there are more and more offers from partners, such as discounts in cafes and restaurants, cashbacks or the ability to book a hotel room. Classic is perhaps the most acceptable option for most people who are familiar with the principle of plastic cards and plan infrequent trips — for example, on a business trip. Moreover, our Bank offers free delivery of the newly opened VISA Classic; to do this, you need to specify the destination address when registering the card in one of our branches.
VISA Gold is positioned as a card with an emphasis on the level of service. Its annual maintenance will cost more, but the increased loyalty to its holder around the world will appeal to many. In addition, VISA Gold has exclusive services such as international legal support and medical insurance. This is a great option for citizens who are actively doing business with foreign partners or often travel.
If you plan to get a new VISA Card, but find it difficult to choose, you can always call the call center of our Bank, contact us in social networks or come in person — experts will help you find the perfect solution for you.
Security measures and culture of using the card
Since the advent of the most primitive trade relations, both laws and unspoken rules for the use of money began to appear. Nowadays, the use of non-cash payments largely copies the historically established monetary relations, adjusted for technology and trends of the modern world.
When working with the card, we recommend putting security first. The basic rule is as follows: if you feel the slightest distrust of the ATM, people in line for you or not too eminent online store, refuse any operations with the card.
Despite the fact that the loss of the card often does not lead to the loss of funds on it, take care of it as well as take care of cash. Do not leave it unattended and do not report any data, whether it is a card number, its validity or CVC-code — even to the Bank employees. Please note that we can only ask you for your name, the last four digits of your card number and your phone number. If you require something else, you know — you are dealing with scammers who pretend to be representatives of the Bank.
A few more words about the confidentiality of information. Do not take pictures of your card and do not write data from it on notebooks and other paper media. In case of infection of your device with viruses, the card can become available for swindlers, and the sheet of paper can be banal stolen.
When making payments on the Internet, use the 3D Secure system. This technology is "Verified by Visa", which will protect your online purchases. Its essence lies in the fact that in addition to the PIN code, you must enter a one-time password, which is generated by the Bank and sent as an SMS message to the cardholder's number. 3D Secure is automatically connected to all holders of VISA from "Kapitalbank" who have activated SMS-informing. More information about 3D Secure can be found on our website.
In some countries, such a fraudulent device as a skimming device is popular abroad. It is a pad on the ATM, which repeats all its outlines. Its purpose is to read the PIN code of your card that you enter. The skimming device is invisible to the eye of the ordinary user, but we can give a few recommendations.
Use ATMs only in large shopping centers, Bank offices and hotel lobbies — attackers are likely to not be able to take over these ATM.
Check your checks before you sign them. Perhaps, our mentality is not close to such behavior, but it is a standard procedure when using VISA — no one will consider your behavior indecent or too meticulous.
Also try not to give your card to relatives or friends. They may violate the security measures for the use of the card for which you are responsible. In addition, some outlets may not accept payment by card from another person. Instead, open an additional card: it will also be linked to your account, but access to personal information (for example, expense history) such a card will not have.
If the card is still in someone else's hands or has been lost, contact the Bank as soon as possible — we will temporarily block your account, and no one will be able to use your funds. Then apply for a new card, and you can assume that the danger has passed.
An interesting point related to the widespread distribution of plastic cards: how to tip the staff at the restaurant, reception or gas station? In some countries, tacitly adopted specific rules on this subject, but the essence is always the same: you can ask to remove the card reward for the waiter in excess of the account, and it is sure to reach him.
Summary
VISA has become synonymous with non-cash payments across the planet more than half a century ago. It offers significant advantages over the use of paper money, including currency. If you use it correctly and in compliance with all safety standards, VISA by JSCB "Kapitalbank" will be your reliable partner in matters of payment and emphasize your commitment to modern trends.
