Embossed card - what is it? Embossed - means safe?

Plastic cards can be demarcated in many ways. They divide the cards according to the types of funds:

1. Debit. Owners of such cards use their own funds for settlement transactions.
2. Credit. Paying for goods / services at the expense of the bank, for arrears accrue interest rates commensurate with the time and amount of the loan.

Among the standard types of maps can be identified and 2 of their varieties. By degree of protection, the cards are divided into the following types:

1. The embossed card (what it is, will be described below).
2. The unembossed card.

What is an embossed bank card?

The complex process of producing embossed cards protects their owners from unauthorized use. Scammers are more difficult to make a duplicate, so purchases on this card are better protected.

In the simplest sense, a bank card is embossed - a card that has a greater degree of protection. All inscriptions on it are convex (name and surname of the cardholder, expiration date, card number and other information). The data can not be applied quickly, so the card is produced within 2 weeks.

Embossed card - what is it? Why not all cards are so protected? Read more about this.

Nominal, chip and instant cards

What is an embossed card and what other means of protection can it have? As a rule, registered cards, in addition to the data of the owner, are additionally protected by a chip. If such a card is in your hands, then any purchase must be made only with your confirmation. The signal for the bank in this case is the input of the PIN code. If the chip is not present, the card is not fully protected, since the presence of a magnetic strip allows the operation to be performed without the introduction of a secret code (PIN code).

According to the rules, the seller must check the passport data and data on the card. They must coincide. Therefore, when traveling an embossed card is indispensable. What does this give you? Confidence that no one but you is using money. Nalichku can be stolen, and then the journey will spoil.

Instant cards are mostly credit cards that are issued quickly. The amounts are small, and therefore the bank does not particularly care about the degree of their protection. Such cards are best not to pay for purchases, at least in online stores. And in other places - observe precautions.

Where else do embossed cards work?

In addition to banks, cards of this standard are used in large organizations and trade networks. It is necessary to organize identification in the access system and recording of working hours? The embossed map will cope with this. What is it and why is it needed in online stores? Embossed card stores important data about the owner, the amount of his discount, takes into account and remembers all operations with its application. Gives the company access to confidential information. Also designed to promote a store or network among customers.

Embossed card differs in its appearance from conventional, so it is also made to attract attention. It shows the status, indicates the importance of the person or the scale of the business. Externally embossed map is more attractive, and therefore, desirable for the rest.

Unembossated card: why is it still used?

It would seem that, for all its shortcomings, a card that is not personalized (that is, unembossed) must have long since ceased to exist. But banks are still actively producing such types of plastic cards. And they are used by many. What is the reason for success?

Cards of this type are issued very quickly, so if it had a debit or credit functionality, you will receive it immediately after filling out the questionnaire. Information about you is minimized if it is a debit card. Loan unembossed cards are issued, as a rule, "in load" to the main product. For example, when drawing up a consumer loan, a bank employee can offer you a card with a small amount from a bank with zero service just in case. Or you will be issued a card with a link to your credit account for its replenishment through ATMs.

A non-personal card has a lower cost of service, if at all, provided for in the contract. Such "payment instruments" are issued mostly to the level of "Standard". A card level "Classic" and above ("Gold", etc.) are mostly personalized. They necessarily have a higher level of protection: there are data of the owner, microchip, CVV code and so on.

What card to take with you abroad?

If you compare cards embossed and unembossed, then priority is in any case in the first kind. Travel to any European or other state involves spending inside the country. Plastic cards can not be declared when crossing borders. But for cash, strict restrictions are imposed depending on the host country.

Plastic cards should be several, at least two for the trip. If one is lost, it will not be necessary to restore it outside of Russia. The main thing is to block. The second card will save your journey.

As for payment systems, the choice between VISA and MasterCard is not so important. The main thing is the level of the map. For booking a car, hotels and making payments, you can use any of the below Classic. This is principally only when converting currencies. If in a Russian bank you have an account in foreign currency, then it would be better for you to tie it to the card before the trip. So the amount of commissions will be less.