In Spain there are more cards than inhabitants. Specifically, almost 88 million adding debit and credit, according to the Bank of Spain. But the distribution is not equitable. There are consumers who have a dozen cards, many of them forgotten in the back of a drawer, while others only have one. What is the most convenient number?
The truth is that there is no minimum number of cards that everyone should carry, but the experts at the financial product comparator HelpMyCash.com recommend carrying at least two.
For starters, the cards are not indestructible. They can deteriorate and stop working. It can also happen that a cashier swallows it. In those cases, a second card will allow you to continue making your payments and withdrawing money normally.
But there are not only technical problems. Sometimes memory plays tricks on us and we lose it or, worse still, it is stolen from us. In both situations, the first thing to do is cancel it, an operation that can be done quickly through the bank's app or by calling their customer service. So, if you have another plastic you won't have extra stress, because you can operate with it until they send you the new one.
On the other hand, if the data on a card ends up being compromised because you have been the victim of a phishing attack, you will be forced to cancel it. In that case, unless you have another card, you won't be able to pay for purchases until you receive the replacement card.
Having a second card is not only useful, but also profitable. Not all of them have the same advantages. Thus, while some have insurance with good coverage, others are useful when traveling, since they do not charge commissions for withdrawing money abroad or for exchanging currency. Combining several plastics you could enjoy more advantages and save money on commissions.
One possible combination is to carry a debit card and a credit card in your wallet. The first for day to day and the second to pay for purchases at the end of the month without interest, finance purchases in a timely manner, take advantage of travel insurance and use certain services that can only be accessed with a credit card, such as, example, car rental, they point out from HelpMyCash.
If you want a new credit card you can ask your bank. Most entities sell several models. Of course, be careful with the issuance and maintenance fees and with the interest on the card if it is going to be used to defer payments. Another alternative is to open the options fan and search in another entity. You can sign up for a credit card at another bank without having to open a new checking account.
Customers who want to have a second account and another card in case the main one ends up blocked have many options available to them. There are accounts that can be opened in a few minutes without the need to domicile a salary. They have no maintenance fees and include a free debit card, so they can be used as plan B.
Consumers who travel frequently should not be without a card to travel, as they can save a lot of money every time they cross the border. Fintech banks stand out in this field, having incorporated exclusive advantages into their cards, point out the experts at HelpMyCash. For example:
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