How to choose a bank card?

The number of cards in the domestic market is growing by leaps and bounds. According to statistics on the 100 Russians account for 94 bank cards. More is coming, experts believe, the Russians have just started to develop this market. Meanwhile Bank.ru find out what guided our countrymen when choosing a bank plastic cards? As the results of the survey, 43% of the respondents (264 people) and did not face such a problem for them this choice made by the employer. Indeed, it is no secret that most of them are on the market of plastic is the so-called payroll cards. Their owners are 92% of all card holders and are used primarily to withdraw cash. So most of the Russian plastic and does is in a passive state, and apply no more than 20 times a year. For those who are engaged in self-registration cards, the special role played by the cost of annual maintenance. So said 172 people or 28% of respondents. It also includes interest rate, exchange commission, for payment of services, as well as cash withdrawals. And indeed, when you make a credit card, the borrowers may be faced with a huge number of pitfalls: additional charges, possible penalties, etc. It is therefore not surprising that our fellow citizens first draw attention to the cost of services offered. Another 15% (96 votes) responded bank.ru, that an important factor for them is the image of a financial institution. Another 14% (86 people) voted for the bank's loyalty program. As practice shows, competent marketing ploy: the company's image, and the system encourage customers, providing discounts and bonuses if you shop really has a great impact on human choice. And only 2 people have admitted that, first of all, they pay attention to the campaign of a bank. But with this statement can be as time to argue, because it is often domestic consumer "buys" it is the attractive advertisements that often promises the most loyal in terms of design. What's important to you when choosing a plastic card? Option Votes% for me, this choice is made the employer 43 264 annual service fee 172 28 96 15 image of the bank's loyalty program is the bank's advertising campaign 86 14 2 0 of 620 in general, the results are confirmed in another long-known fact: the Russians are showing a very low interest loan cards. Basically they are using payroll cards, and then for withdrawing cash. To date, bank transfer is paid only 3.8% of all goods and services. And in the electronic payments enjoyed by people with average or above average income. However, market participants say, the unpopularity of bank cards linked not only to card holders, but with undeveloped national infrastructure.