{"id":27188,"date":"2022-06-25T14:19:34","date_gmt":"2022-06-25T11:19:34","guid":{"rendered":"https:\/\/financer.ro\/?page_id=27188"},"modified":"2024-05-10T13:09:11","modified_gmt":"2024-05-10T10:09:11","slug":"gaseste-cel-mai-bun-card-de-credit","status":"publish","type":"page","link":"https:\/\/financer.ro\/card-de-cumparaturi\/gaseste-cel-mai-bun-card-de-credit\/","title":{"rendered":"Card de credit"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\" id=\"Financer_te_ajut_s_gseti_cel_mai_bun_card_de_credit\">Financer te ajut\u0103 s\u0103 g\u0103se\u0219ti cel mai bun card de credit<\/h2>\n\n\n\n<p><strong>Vrei s\u0103 \u0219tii care este \u0219i cum s\u0103 alegi cel mai bun card de credit din Rom\u00e2nia? <em>Echipa noastr\u0103 \u00ee\u021bi vine \u00een ajutor.<\/em><\/strong><\/p>\n\n\n\n<p>\u00cen acest articol ne-am dorit s\u0103 oferim vizitatorilor no\u0219tri <strong>toate informa\u021biile de care au nevoie atunci c\u00e2nd se intereseaz\u0103 despre carduri de credit<\/strong>. Ca atare, iat\u0103 ce vei putea citi \u00een continuare:<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p><a href=\"#ce-este-un-card-de-credit\">Ce este un credit card<\/a><\/p>\n<\/li><li><p><a href=\"#cum-functioneaza-un-card-de-credit\">Cum func\u021bioneaz\u0103 un astfel de produs<\/a><\/p>\n<\/li><li><p><a href=\"#conditii-card-credit\">Ce condi\u021bii trebuie s\u0103 respec\u021bi pentru a putea accesa carduri de credit online sau \u00een b\u0103nci<\/a><\/p>\n<\/li><li><p><a href=\"#avantaje-credit-card\">Care sunt avantajele \u0219i dezavantajele acestor instrumente de<\/a><\/p>\n<\/li><\/ul><\/div>\n\n\n<p><em>Dar, \u00eenainte de toate, vom \u00eencepe prin a compara ce oferte de carduri de credit sunt disponibile la ora actual\u0103 pentru clien\u021bii rom\u00e2ni.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Compar_carduri_credit\">Compar\u0103 carduri credit<\/h2>\n\n\n\n<p>Suntem de p\u0103rere c\u0103 pentru a putea fi sigur c\u0103 ai ales cel mai bun produs de pe pia\u021b\u0103, indiferent c\u0103 vorbim despre <a href=\"https:\/\/financer.ro\/credit\/\" data-type=\"page\">credite<\/a>, <a href=\"https:\/\/financer.ro\/card-de-cumparaturi\/\" data-type=\"page\" data-id=\"868\">carduri de cump\u0103r\u0103turi<\/a>, <a href=\"https:\/\/financer.ro\/economii\/cum-alegi-cel-mai-bun-broker\/\" data-type=\"page\" data-id=\"20396\">brokeri de investi\u021bii<\/a> etc., <strong>trebuie ca mai \u00eent\u00e2i s\u0103 compari ofertele existente pe pia\u021b\u0103<\/strong>.<\/p>\n\n\n\n<p>Iat\u0103 de ce, \u00een tabelul de mai jos, echipa noastr\u0103 a \u00eencercat s\u0103 g\u0103seasc\u0103 toate institu\u021biile, at\u00e2t bancare c\u00e2t \u0219i nebancare ce ofer\u0103 un credit card \u00een Rom\u00e2nia, precum \u0219i principalele condi\u021bii cu care acestea vin.<\/p>\n\n\n\n<p>Uit\u0103-te peste el, compar\u0103 variantele existente \u0219i alege oferta care crezi c\u0103 se potrive\u0219te cel mai bine nevoilor tale.<\/p>\n\n\n\n<p><em>Articolul continu\u0103 dup\u0103 acest tabel.<\/em><\/p>\n\n\n<h2 id=\"tablepress-4-name\" class=\"tablepress-table-name tablepress-table-name-id-4\">Carduri de credit disponibile \u00een Rom\u00e2nia<\/h2>\n<span id=\"tablepress-4-description\" class=\"tablepress-table-description tablepress-table-description-id-4\">Mai jos vei putea compara op\u021biunile pe care le ai atunci c\u00e2nd vrei s\u0103 aplici pentru un card de credit 2022.<br \/>\n<br \/>\nDatele din tabel pot fi ordonate \u00een func\u021bie de parametrii care te intereseaz\u0103 - dob\u00e2nd\u0103, sum\u0103 maxim\u0103, perioad\u0103 creditat\u0103 etc. \u0219i sunt valabile pentru 20 aprilie 2022.<\/span>\n\n<table id=\"tablepress-4\" class=\"tablepress tablepress-id-4 tablepress-responsive\" aria-labelledby=\"tablepress-4-name\" aria-describedby=\"tablepress-4-description\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\">Emitent + nume card<\/th><th class=\"column-2\">Sum\u0103 maxim\u0103 (lei)<\/th><th class=\"column-3\">Dob\u00e2nd\u0103 anual\u0103 (%)<\/th><th class=\"column-4\">Perioad\u0103 gra\u021bie (zile)<\/th><th class=\"column-5\">Plan de rate (luni)<\/th><th class=\"column-6\">Cashback maxim (%)<\/th><th class=\"column-7\">Avantaje suplimentare<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\"><a href=\"https:\/\/financer.ro\/companie\/axi-card\/\">AXI Card<\/a><\/td><td class=\"column-2\">3000<\/td><td class=\"column-3\">72<\/td><td class=\"column-4\">35<\/td><td class=\"column-5\">12<\/td><td class=\"column-6\">0<\/td><td class=\"column-7\">F\u0103r\u0103 costuri lunare fixe<\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\">Libra Bank Enjoy<\/td><td class=\"column-2\">20000<\/td><td class=\"column-3\">12.25 + IRCC<\/td><td class=\"column-4\">56<\/td><td class=\"column-5\">12<\/td><td class=\"column-6\">6<\/td><td class=\"column-7\">Rate f\u0103r\u0103 dob\u00e2nd\u0103 la peste 200 parteneri<\/td>\n<\/tr>\n<tr class=\"row-4 even\">\n\t<td class=\"column-1\">BCR Standard<\/td><td class=\"column-2\">20000<\/td><td class=\"column-3\">28<\/td><td class=\"column-4\">55<\/td><td class=\"column-5\">12<\/td><td class=\"column-6\">15<\/td><td class=\"column-7\">Rate egale f\u0103r\u0103 dob\u00e2nd\u0103 oriunde \u00een lume<\/td>\n<\/tr>\n<tr class=\"row-5 odd\">\n\t<td class=\"column-1\">BCR Gold<\/td><td class=\"column-2\">40000<\/td><td class=\"column-3\">28<\/td><td class=\"column-4\">55<\/td><td class=\"column-5\">12<\/td><td class=\"column-6\">15<\/td><td class=\"column-7\">Rate egale f\u0103r\u0103 dob\u00e2nd\u0103, asigurare c\u0103l\u0103torie, acces business lounge-uri<\/td>\n<\/tr>\n<tr class=\"row-6 even\">\n\t<td class=\"column-1\">UniCredit Principal<\/td><td class=\"column-2\">35000<\/td><td class=\"column-3\">24.99<\/td><td class=\"column-4\">50<\/td><td class=\"column-5\">24<\/td><td class=\"column-6\">1<\/td><td class=\"column-7\">12 rate f\u0103r\u0103 dob\u00e2nd\u0103<\/td>\n<\/tr>\n<tr class=\"row-7 odd\">\n\t<td class=\"column-1\">UniCredit Premium<\/td><td class=\"column-2\">70000<\/td><td class=\"column-3\">24.99<\/td><td class=\"column-4\">56<\/td><td class=\"column-5\">24<\/td><td class=\"column-6\">2<\/td><td class=\"column-7\">12 rate f\u0103r\u0103 dob\u00e2nd\u0103, acces business lounge-uri<\/td>\n<\/tr>\n<tr class=\"row-8 even\">\n\t<td class=\"column-1\">Idea Bank Standard<\/td><td class=\"column-2\">40000<\/td><td class=\"column-3\">19<\/td><td class=\"column-4\">55<\/td><td class=\"column-5\">12<\/td><td class=\"column-6\">0<\/td><td class=\"column-7\">12 rate f\u0103r\u0103 dob\u00e2nd\u0103 oriunde \u00een lume + 2 % reducere a dob\u00e2nzii la \u00eencasarea salariului \u00een cont<\/td>\n<\/tr>\n<tr class=\"row-9 odd\">\n\t<td class=\"column-1\">Idea Bank Gold<\/td><td class=\"column-2\">40000<\/td><td class=\"column-3\">18<\/td><td class=\"column-4\">55<\/td><td class=\"column-5\">12<\/td><td class=\"column-6\">0<\/td><td class=\"column-7\">12 rate f\u0103r\u0103 dob\u00e2nd\u0103 oriunde \u00een lume, 2 % reducere a dob\u00e2nzii la \u00eencasarea salariului \u00een cont<\/td>\n<\/tr>\n<tr class=\"row-10 even\">\n\t<td class=\"column-1\">Orange Money<\/td><td class=\"column-2\">60000<\/td><td class=\"column-3\">18<\/td><td class=\"column-4\">46<\/td><td class=\"column-5\">24<\/td><td class=\"column-6\">14<\/td><td class=\"column-7\">P\u00e2n\u0103 la 24 rate f\u0103r\u0103 dob\u00e2nd\u0103, 4 % cashback la plata facturii Orange cu cardul<\/td>\n<\/tr>\n<tr class=\"row-11 odd\">\n\t<td class=\"column-1\">OTP Relaxat<\/td><td class=\"column-2\">15000<\/td><td class=\"column-3\">29<\/td><td class=\"column-4\">55<\/td><td class=\"column-5\">6<\/td><td class=\"column-6\">0<\/td><td class=\"column-7\">6 rate cu dob\u00e2nd\u0103 0 oriunde<\/td>\n<\/tr>\n<tr class=\"row-12 even\">\n\t<td class=\"column-1\">OTP Dual<\/td><td class=\"column-2\">30000<\/td><td class=\"column-3\">24.9<\/td><td class=\"column-4\">55<\/td><td class=\"column-5\">24<\/td><td class=\"column-6\">0<\/td><td class=\"column-7\">12 rate f\u0103r\u0103 dob\u00e2nd\u0103, taxe administrare 0 \u00een primul an<\/td>\n<\/tr>\n<tr class=\"row-13 odd\">\n\t<td class=\"column-1\">OTP Transparent<\/td><td class=\"column-2\">18000<\/td><td class=\"column-3\">22<\/td><td class=\"column-4\">55<\/td><td class=\"column-5\">0<\/td><td class=\"column-6\">0<\/td><td class=\"column-7\">Taxe administrare 0 \u00een primul an<\/td>\n<\/tr>\n<tr class=\"row-14 even\">\n\t<td class=\"column-1\">OTP Gold<\/td><td class=\"column-2\">50000<\/td><td class=\"column-3\">22<\/td><td class=\"column-4\">55<\/td><td class=\"column-5\">24<\/td><td class=\"column-6\">0<\/td><td class=\"column-7\">Asigurare de c\u0103l\u0103torie, taxe administrare 0 \u00een primul an<\/td>\n<\/tr>\n<tr class=\"row-15 odd\">\n\t<td class=\"column-1\">OTP Platinum<\/td><td class=\"column-2\">100000<\/td><td class=\"column-3\">24<\/td><td class=\"column-4\">55<\/td><td class=\"column-5\">24<\/td><td class=\"column-6\">0<\/td><td class=\"column-7\">Asigurare de c\u0103l\u0103torie, taxe administrare 0 \u00een primul an, acces lounge-uri business, reduceri parteneri<\/td>\n<\/tr>\n<tr class=\"row-16 even\">\n\t<td class=\"column-1\">CEC Bank Affinity<\/td><td class=\"column-2\">60000<\/td><td class=\"column-3\">11.42 + IRCC<\/td><td class=\"column-4\">59<\/td><td class=\"column-5\">24<\/td><td class=\"column-6\">0<\/td><td class=\"column-7\">24 rate f\u0103r\u0103 dob\u00e2nd\u0103 oriunde \u00een lume, banca doneaz\u0103 2 lei + 0.1 % din orice tranzac\u021bie c\u0103tre un ONG ales de tine<\/td>\n<\/tr>\n<tr class=\"row-17 odd\">\n\t<td class=\"column-1\">CEC Bank Standard<\/td><td class=\"column-2\">60000<\/td><td class=\"column-3\">11.42 + IRCC<\/td><td class=\"column-4\">59<\/td><td class=\"column-5\">24<\/td><td class=\"column-6\">0<\/td><td class=\"column-7\">24 rate f\u0103r\u0103 dob\u00e2nd\u0103 oriunde \u00een lume<\/td>\n<\/tr>\n<tr class=\"row-18 even\">\n\t<td class=\"column-1\">CEC Bank Platinum<\/td><td class=\"column-2\">100000<\/td><td class=\"column-3\">11.42 + IRCC<\/td><td class=\"column-4\">59<\/td><td class=\"column-5\">24<\/td><td class=\"column-6\">0<\/td><td class=\"column-7\">24 rate f\u0103r\u0103 dob\u00e2nd\u0103 oriunde \u00een lume, asigur\u0103ri, acces \u00een lounge-uri business, servicii VIP la numero\u0219i parteneri<\/td>\n<\/tr>\n<tr class=\"row-19 odd\">\n\t<td class=\"column-1\">First Bank Franklin<\/td><td class=\"column-2\">15000<\/td><td class=\"column-3\">18 + IRCC<\/td><td class=\"column-4\">60<\/td><td class=\"column-5\">12<\/td><td class=\"column-6\">0<\/td><td class=\"column-7\">P\u00e2n\u0103 la 12 rate f\u0103r\u0103 dob\u00e2d\u0103<\/td>\n<\/tr>\n<tr class=\"row-20 even\">\n\t<td class=\"column-1\">BRD Standard<\/td><td class=\"column-2\">25000<\/td><td class=\"column-3\">26<\/td><td class=\"column-4\">55<\/td><td class=\"column-5\">36<\/td><td class=\"column-6\">10<\/td><td class=\"column-7\">6 rate cu dob\u00e2nd\u0103 0, reduceri de p\u00e2n\u0103 la 20 % la magazine partenere<\/td>\n<\/tr>\n<tr class=\"row-21 odd\">\n\t<td class=\"column-1\">BRD Gold<\/td><td class=\"column-2\">60000<\/td><td class=\"column-3\">25<\/td><td class=\"column-4\">55<\/td><td class=\"column-5\">36<\/td><td class=\"column-6\">10<\/td><td class=\"column-7\">reduceri de p\u00e2n\u0103 la 20 % la magazine partenere, asigurare de c\u0103l\u0103torie, acces lounge-uri<\/td>\n<\/tr>\n<tr class=\"row-22 even\">\n\t<td class=\"column-1\">BRD Platinum<\/td><td class=\"column-2\">115000<\/td><td class=\"column-3\">15<\/td><td class=\"column-4\">55<\/td><td class=\"column-5\">36<\/td><td class=\"column-6\">10<\/td><td class=\"column-7\">Asigur\u0103ri, inclusiv medicale, reduceri parteneri, acces lounge-uri VIP<\/td>\n<\/tr>\n<tr class=\"row-23 odd\">\n\t<td class=\"column-1\">BT Star Forte<\/td><td class=\"column-2\">25000<\/td><td class=\"column-3\">24<\/td><td class=\"column-4\">56<\/td><td class=\"column-5\">18<\/td><td class=\"column-6\">15<\/td><td class=\"column-7\">18 rate f\u0103r\u0103 dob\u00e2nd\u0103 \u00een 19.000 magazine partenere<\/td>\n<\/tr>\n<tr class=\"row-24 even\">\n\t<td class=\"column-1\">BT Star Gold<\/td><td class=\"column-2\">50000<\/td><td class=\"column-3\">24<\/td><td class=\"column-4\">56<\/td><td class=\"column-5\">18<\/td><td class=\"column-6\">15<\/td><td class=\"column-7\">18 rate f\u0103r\u0103 dob\u00e2nd\u0103, asigurare de c\u0103l\u0103torie, acces \u00een lounge-uri business<\/td>\n<\/tr>\n<tr class=\"row-25 odd\">\n\t<td class=\"column-1\">BT Star Platinum<\/td><td class=\"column-2\">150000<\/td><td class=\"column-3\">24<\/td><td class=\"column-4\">56<\/td><td class=\"column-5\">18<\/td><td class=\"column-6\">15<\/td><td class=\"column-7\">18 rate f\u0103r\u0103 dob\u00e2nd\u0103, asigurare de c\u0103l\u0103torie, acces \u00een lounge-uri VIP<\/td>\n<\/tr>\n<tr class=\"row-26 even\">\n\t<td class=\"column-1\">Raiffeisen Standard<\/td><td class=\"column-2\">30000<\/td><td class=\"column-3\">26<\/td><td class=\"column-4\">56<\/td><td class=\"column-5\">12<\/td><td class=\"column-6\">0<\/td><td class=\"column-7\">12 rate fixe f\u0103r\u0103 dob\u00e2nd\u0103<\/td>\n<\/tr>\n<tr class=\"row-27 odd\">\n\t<td class=\"column-1\">Raiffeisen Gold<\/td><td class=\"column-2\">70000<\/td><td class=\"column-3\">26<\/td><td class=\"column-4\">56<\/td><td class=\"column-5\">12<\/td><td class=\"column-6\">1<\/td><td class=\"column-7\">12 rate fixe f\u0103r\u0103 dob\u00e2nd\u0103, asigur\u0103ri c\u0103l\u0103torie, acces business lounge-uri<\/td>\n<\/tr>\n<tr class=\"row-28 even\">\n\t<td class=\"column-1\">Raiffeisen World<\/td><td class=\"column-2\">120000<\/td><td class=\"column-3\">22<\/td><td class=\"column-4\">56<\/td><td class=\"column-5\">12<\/td><td class=\"column-6\">1<\/td><td class=\"column-7\">12 rate fixe f\u0103r\u0103 dob\u00e2nd\u0103, asigur\u0103ri c\u0103l\u0103torie, acces VIP lounge-uri<\/td>\n<\/tr>\n<tr class=\"row-29 odd\">\n\t<td class=\"column-1\">Alpha Bank Credit<\/td><td class=\"column-2\">35000<\/td><td class=\"column-3\">21.95 + IRCC<\/td><td class=\"column-4\">55<\/td><td class=\"column-5\">12<\/td><td class=\"column-6\">5<\/td><td class=\"column-7\">P\u00e2n\u0103 la 12 rate f\u0103r\u0103 dob\u00e2nd\u0103<\/td>\n<\/tr>\n<tr class=\"row-30 even\">\n\t<td class=\"column-1\">Alpha Bank Gold<\/td><td class=\"column-2\">75000<\/td><td class=\"column-3\">21.95 + IRCC<\/td><td class=\"column-4\">55<\/td><td class=\"column-5\">12<\/td><td class=\"column-6\">5<\/td><td class=\"column-7\">P\u00e2n\u0103 la 12 rate f\u0103r\u0103 dob\u00e2nd\u0103, asigur\u0103ri de c\u0103l\u0103torie, acces lounge-uri<\/td>\n<\/tr>\n<tr class=\"row-31 odd\">\n\t<td class=\"column-1\">ING Credit<\/td><td class=\"column-2\">35000<\/td><td class=\"column-3\">25<\/td><td class=\"column-4\">45<\/td><td class=\"column-5\">24<\/td><td class=\"column-6\">15<\/td><td class=\"column-7\">3 rate f\u0103r\u0103 dob\u00e2nd\u0103 oriunde \u00een lume, 24 rate f\u0103r\u0103 dob\u00e2nd\u0103 la magazine partenere<\/td>\n<\/tr>\n<tr class=\"row-32 even\">\n\t<td class=\"column-1\">Garanti Classic<\/td><td class=\"column-2\">9500<\/td><td class=\"column-3\">27.6<\/td><td class=\"column-4\">50<\/td><td class=\"column-5\">12<\/td><td class=\"column-6\">10<\/td><td class=\"column-7\">P\u00e2n\u0103 la 12 rate f\u0103r\u0103 dob\u00e2nd\u0103<\/td>\n<\/tr>\n<tr class=\"row-33 odd\">\n\t<td class=\"column-1\">Garanti Gold<\/td><td class=\"column-2\">25000<\/td><td class=\"column-3\">27.6<\/td><td class=\"column-4\">50<\/td><td class=\"column-5\">12<\/td><td class=\"column-6\">10<\/td><td class=\"column-7\">P\u00e2n\u0103 la 12 rate f\u0103r\u0103 dob\u00e2nd\u0103, acces \u00een lounge-uri<\/td>\n<\/tr>\n<tr class=\"row-34 even\">\n\t<td class=\"column-1\">Garanti Platinum<\/td><td class=\"column-2\">100000<\/td><td class=\"column-3\">27.6<\/td><td class=\"column-4\">50<\/td><td class=\"column-5\">12<\/td><td class=\"column-6\">10<\/td><td class=\"column-7\">P\u00e2n\u0103 la 12 rate f\u0103r\u0103 dob\u00e2nd\u0103, acces \u00een lounge-uri VIP<\/td>\n<\/tr>\n<tr class=\"row-35 odd\">\n\t<td class=\"column-1\">Credit Europe Avantaj<\/td><td class=\"column-2\">5367<\/td><td class=\"column-3\">28<\/td><td class=\"column-4\">45<\/td><td class=\"column-5\">24<\/td><td class=\"column-6\">3<\/td><td class=\"column-7\">P\u00e2n\u0103 la 24 rate f\u0103r\u0103 dob\u00e2nd\u0103 la magazine partenere, f\u0103r\u0103 comision administrare \u00een primul an<\/td>\n<\/tr>\n<tr class=\"row-36 even\">\n\t<td class=\"column-1\">Intensa San Paolo<\/td><td class=\"column-2\">5000<\/td><td class=\"column-3\">10.81<\/td><td class=\"column-4\">45<\/td><td class=\"column-5\">12<\/td><td class=\"column-6\">0<\/td><td class=\"column-7\">\u00cen loc de dob\u00e2nd\u0103 achi\u021bi o tax\u0103 lunar\u0103 de administrare de 25 Lei<\/td>\n<\/tr>\n<tr class=\"row-37 odd\">\n\t<td class=\"column-1\">Vista Bank Credit<\/td><td class=\"column-2\">10000<\/td><td class=\"column-3\">12.8 + IRCC<\/td><td class=\"column-4\">50<\/td><td class=\"column-5\">12<\/td><td class=\"column-6\">0<\/td><td class=\"column-7\">Po\u021bi utiliza cardul la bancomatele Euronet f\u0103r\u0103 taxe suplimentare<\/td>\n<\/tr>\n<tr class=\"row-38 even\">\n\t<td class=\"column-1\">Vista Bank Platinum<\/td><td class=\"column-2\">25000<\/td><td class=\"column-3\">12 + IRCC<\/td><td class=\"column-4\">50<\/td><td class=\"column-5\">12<\/td><td class=\"column-6\">0<\/td><td class=\"column-7\">Asigurare de c\u0103l\u0103torie, acces \u00een lounge-uri business<\/td>\n<\/tr>\n<tr class=\"row-39 odd\">\n\t<td class=\"column-1\">Banca Rom\u00e2neasc\u0103 Standard<\/td><td class=\"column-2\">20000<\/td><td class=\"column-3\">21.58 + IRCC<\/td><td class=\"column-4\">61<\/td><td class=\"column-5\">12<\/td><td class=\"column-6\">0<\/td><td class=\"column-7\">F\u0103r\u0103 comision anual dac\u0103 anul precedent ai f\u0103cut cump\u0103r\u0103turi de minim 12.000 lei<\/td>\n<\/tr>\n<tr class=\"row-40 even\">\n\t<td class=\"column-1\">Banca Rom\u00e2neasc\u0103 Gold<\/td><td class=\"column-2\">100000<\/td><td class=\"column-3\">21.58 + IRCC<\/td><td class=\"column-4\">61<\/td><td class=\"column-5\">12<\/td><td class=\"column-6\">0<\/td><td class=\"column-7\">P\u00e2n\u0103 la 12 rate f\u0103r\u0103 dob\u00e2nd\u0103, acces \u00een lounge-uri<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Tot_ce_trebuie_s_tii_despre_un_credit_card\">Tot ce trebuie s\u0103 \u0219tii despre un credit card<\/h2>\n\n\n\n<p>Acum c\u0103 ai putut analiza cu ce oferte carduri credit vin institu\u021biile de la noi, credem c\u0103 este momentul perfect s\u0103 discut\u0103m mai pe larg despre <strong>ce sunt aceste instrumente, cum func\u021bioneaz\u0103 ele \u0219i alte detalii de acest gen<\/strong>.<\/p>\n\n\n\n<p>Sigur, vom \u00eencepe prin a defini aceste produse.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Ce_este_un_card_de_credit\">Ce este un card de credit<\/h2>\n\n\n\n<p>Pe scurt, un <a href=\"https:\/\/ro.wikipedia.org\/wiki\/Card_de_credit\">card credit<\/a> este o bucat\u0103 dreptunghiular\u0103 din plastic emis\u0103 de c\u0103tre o institu\u021bie financiar\u0103, prin intermediul c\u0103reia <strong>beneficiarul poate \u00eemprumuta bani atunci c\u00e2nd pl\u0103te\u0219te pentru diverse cump\u0103r\u0103turi, servicii \u0219i bunuri folosind cardul respectiv<\/strong>.<\/p>\n\n\n\n<p>Dac\u0103 sumele \u00eemprumutate sunt returnate \u00eentr-un anumit interval de timp (stabilit contractual), <strong>beneficiarul nu pl\u0103te\u0219te dob\u00e2nd\u0103 sau valoarea acesteia este una foarte mic\u0103<\/strong>.<\/p>\n\n\n\n<p>C\u00e2nd este dep\u0103\u0219it acest termen, automat sumele respective se transform\u0103 \u00een credit \u0219i \u00eencep s\u0103 acumuleze dob\u00e2nd\u0103.<\/p>\n\n\n\n<p><em>Vei putea citi mai multe despre modul de func\u021bionare al unui card de credit dup\u0103 anun\u021bul de mai jos.<\/em><\/p>\n\n\n<div class=\"fn_block block_fn_msg_box company\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Aplic_i_tu_pentru_carduri_de_credit_online\">Aplic\u0103 \u0219i tu pentru carduri de credit online!<\/h3><p>AXI Card este primul IFN de la noi din \u021bar\u0103 care ofer\u0103 carduri de credit online. Ei vin cu o mul\u021bime de avantaje, printre care cele mai importante sunt:<\/p>\n<ul>\n<li>\n<p>Dob\u00e2nzi zilnice de doar 0.2 % din suma utilizat\u0103<\/p>\n<\/li>\n<li>\n<p>Linie de credit ce poate ajunge p\u00e2n\u0103 la 6000 lei<\/p>\n<\/li>\n<li>\n<p>Aprobare foarte rapid\u0103 a cererilor beneficiarilor<\/p>\n<\/li>\n<li>Oferirea de card de credit pentru r\u0103u platnici<\/li>\n<\/ul>\n<p>Aplic\u0103 \u0219i tu pentru un astfel de produs ap\u0103s\u00e2nd butonul de mai jos<\/p><p class=\"has-text-centered\">\n\t    <a href=\"https:\/\/financer.ro\/companie\/axi-card\/redirect\/\" rel=\"sponsored nofollow\" target=\"_blank\" class=\"button is-normal is-primary is-rounded is-large\">Aplic\u0103 acum! <\/a>\n\t<\/p><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Cum_funcioneaz_un_card_de_credit\">Cum func\u021bioneaz\u0103 un card de credit<\/h2>\n\n\n\n<p>P\u00e2n\u0103 s\u0103 \u00eencepem s\u0103 explic\u0103m modul de func\u021bionare al unui astfel de produs credem c\u0103 este important s\u0103 explic\u0103m urm\u0103torii doi termeni:<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p><a href=\"#limita\">Limita liniei de credit<\/a><\/p>\n<\/li><li><p><a href=\"#perioada\">Perioada de gra\u021bie a fondurilor<\/a><\/p>\n<\/li><\/ul><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Limita_liniei_de_credit\">Limita liniei de credit<\/h3>\n\n\n\n<p>Fie c\u0103 aplici pentru un card credit online rapid sau mergi \u00eentr-o banc\u0103 pentru a accesa un asemenea instrument de plat\u0103, <strong>institu\u021bia emitent\u0103 va trebui s\u0103 \u00ee\u021bi deschid\u0103 o linie de credit cu card ata\u0219at<\/strong>.<\/p>\n\n\n\n<p>Altfel spus, \u021bi se accept\u0103 o sum\u0103 de bani de care te vei putea folosi atunci c\u00e2nd vei dori s\u0103 faci cump\u0103r\u0103turi sau pe care o vei putea retrage de la bancomate.<\/p>\n\n\n\n<p>Valoarea maxim\u0103 a liniei de credit acordat\u0103 de c\u0103tre institu\u021biile de la noi este <strong>echivalent\u0103 cu maxim trei salarii lunare nete \u00eencasate de c\u0103tre beneficiar, dar \u00een anumite limite<\/strong>.<\/p>\n\n\n\n<p>Spre exemplu, din analizele pe care le-am f\u0103cut noi, se pare c\u0103 cea mai mare linie de \u00eemprumut pentru un credit card Rom\u00e2nia este la ora actual\u0103 de 150.000 lei.<\/p>\n\n\n\n<p>Astfel, chiar dac\u0103 tu ai un venit net de 8.000 lei \u0219i, \u00een teorie, ai putea beneficia de o linie de credit de p\u00e2n\u0103 la 240.000 lei, <strong>aceasta va fi limitat\u0103 la maximul impus de c\u0103tre institu\u021bii<\/strong> \u2013 \u00een cazul de fa\u021b\u0103, 150.000 lei.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Perioada_de_graie_a_fondurilor\">Perioada de gra\u021bie a fondurilor<\/h3>\n\n\n\n<p>Dup\u0103 ce aplici pentru un card de credit online rapid \u0219i \u00ee\u021bi este aprobat\u0103 limita liniei de \u00eemprumut, te vei putea folosi de fondurile pe care le ai la dispozi\u021bie dup\u0103 bunul plac.<\/p>\n\n\n\n<p>Partea interesant\u0103 este c\u0103 pentru achizi\u021biile pe care le faci cu al t\u0103u card, <strong>costurile de regul\u0103 sunt 0 sau foarte apropiate de aceast\u0103 valoare pentru un anumit interval de timp<\/strong>.<\/p>\n\n\n\n<p>Ei bine, acest interval se nume\u0219te <strong><a href=\"https:\/\/financer.ro\/wiki\/perioada-de-gratie\/\">perioad\u0103 de gra\u021bie<\/a> care variaz\u0103 la noi \u00een \u021bar\u0103 \u00eentre 45 \u0219i 61 zile<\/strong>, \u00een func\u021bie de emitentul ales.<\/p>\n\n\n\n<p>Cu alte cuvinte, pentru o anumit\u0103 perioad\u0103 de timp po\u021bi lua un \u00eemprumut prin intermediul unui card de credit gratuit atunci c\u00e2nd faci achizi\u021bii utiliz\u00e2nd plasticul respectiv, cu condi\u021bia s\u0103 returnezi sumele utilizate \u00een intervalul de timp setat.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box warning\"><div class=\"fn_block__icon\"><\/div><p>Mare aten\u021bie, pentru banii retra\u0219i de la ATM-uri nu beneficiezi de perioad\u0103 de gra\u021bie. Pentru ei, vei pl\u0103ti dob\u00e2nd\u0103 \u00eencep\u00e2nd cu ziua 1 \u0219i, \u00een plus, cel mai adesea vei avea de achitat \u0219i un comision de retragere.<\/p><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Cum_funcioneaz_un_credit_card_real\">Cum func\u021bioneaz\u0103 un credit card real<\/h3>\n\n\n\n<p>Acum, c\u0103 am definit ace\u0219ti doi termeni credem c\u0103 este foarte u\u0219or s\u0103 explic\u0103m <a href=\"https:\/\/www.investopedia.com\/terms\/c\/creditcard.asp\">cum func\u021bioneaz\u0103 un card de credit<\/a>, cu toate c\u0103 suntem convin\u0219i c\u0103 deja ai \u00een\u021beles \u0219i singur procesul.<\/p>\n\n\n\n<p>Atunci c\u00e2nd aplici pentru un astfel de instrument, emitentul \u00ee\u021bi va solicita acte doveditoare de venit. \u00cen baza lor, <strong>\u00ee\u021bi va aproba o linie de credit<\/strong>.<\/p>\n\n\n\n<p>Totodat\u0103, \u00een func\u021bie de politica intern\u0103 a institu\u021biei financiare cu care decizi s\u0103 colaborezi, \u021bi se va explica \u0219i <strong>care este perioada de gra\u021bie cu care va veni respectivul card<\/strong>.<\/p>\n\n\n\n<p>Apoi, te vei putea folosi de banii pe care \u00eei ai la dispozi\u021bie a\u0219a cum dore\u0219ti. Dar sfatul nostru ar fi s\u0103 nu-l utilizezi \u0219i la retrageri monetare, din considerentul prezentat \u00een chenarul de mai sus.<\/p>\n\n\n\n<p><strong>Pentru achizi\u021biile realizate la POS-uri vei avea o dob\u00e2nd\u0103 card credit egal\u0103 cu zero \u00een perioada de gra\u021bie.<\/strong><\/p>\n\n\n\n<p>Astfel, \u00een termen de X zile de la efectuarea unei pl\u0103\u021bi (termenul este bine stabilit \u00een contract), <strong>vei putea returna sumele utilizate, f\u0103r\u0103 s\u0103 trebuiasc\u0103 s\u0103 pl\u0103te\u0219ti nimic \u00een plus<\/strong>.<\/p>\n\n\n\n<p>\u00cen cazul \u00een care, din diferite motive, nu po\u021bi returna la timp sumele utilizate, acestea <strong>se vor transforma \u00een credit standard, ce va veni cu o dob\u00e2nd\u0103 anual\u0103 cuprins\u0103 \u00eentre 11 \u0219i 30 %<\/strong>.<\/p>\n\n\n\n<p>Sumele din linia de credit aprobat\u0103 de care nu te folose\u0219ti nu vor genera costuri.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box warning\"><div class=\"fn_block__icon\"><\/div><p>Mare aten\u021bie, chiar \u0219i o zi de \u00eent\u00e2rziere \u00een returnarea banilor va genera costuri semnificative!<\/p>\n<p>Ca atare, ai mare grij\u0103 cum folose\u0219ti un card de cump\u0103r\u0103turi, fii sigur c\u0103 \u00een\u021belegi contractul de \u00eemprumut pe care l-ai semnat \u0219i c\u0103 respec\u021bi termenii contractuali.<\/p><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Condiii_card_credit\">Condi\u021bii card credit<\/h2>\n\n\n\n<p>\u00cen prezent, este foarte simplu s\u0103 accesezi \u00een Rom\u00e2nia credit card. <strong>Toate b\u0103ncile \u0219i chiar \u0219i un IFN au astfel de produse \u00een portofoliu.<\/strong><\/p>\n\n\n\n<p>Unele dintre institu\u021biile emitente ofer\u0103 posibilitatea de a accesa carduri de credit online, iar procesul este mult simplificat fa\u021b\u0103 de cum se \u00eent\u00e2mpla acum ceva ani.<\/p>\n\n\n\n<p>Cu toate c\u0103 anumite condi\u021bii de aplicare pot diferi, iat\u0103, \u00een mare, cam care ar fi cele mai importante dintre ele:<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p>S\u0103 ai mai mult de 18 ani<\/p>\n<\/li><li><p>S\u0103 ai minim trei luni de c\u00e2nd ai fost angajat la locul actual de munc\u0103<\/p>\n<\/li><li><p>S\u0103 ai o vechime \u00een munc\u0103 de minim un an f\u0103r\u0103 \u00eentreruperi (indiferent dac\u0103 la mai mul\u021bi angajatori)<\/p>\n<\/li><li><p>S\u0103 ai un venit lunar de minim 800 lei<\/p>\n<\/li><li><p>S\u0103 nu apari \u00een baza de date a Biroului de Credit<\/p>\n<\/li><\/ul><\/div>\n\n<div class=\"fn_block block_fn_msg_box company\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Aplic_pentru_un_card_de_credit_AXI_Card\">Aplic\u0103 pentru un card de credit AXI Card<\/h3><p>A\u0219a cum spuneam \u0219i mai sus, exist\u0103 \u0219i un IFN care are \u00een portofoliu astfel de produse, iar con<strong>di\u021biile impuse de ei beneficiarilor sunt ceva mai relaxate<\/strong>:<\/p>\n<ul>\n<li>\n<p>Po\u021bi accesa un card de credit doar cu buletinul, f\u0103r\u0103 niciun alt act \u00een plus<\/p>\n<\/li>\n<li>\n<p>Po\u021bi aplica chiar \u0219i dac\u0103 nu e\u0219ti angajat, sursa venitului put\u00e2nd fi multipl\u0103<\/p>\n<\/li>\n<li>\n<p>\u00centreg procesul se desf\u0103\u0219oar\u0103 online \u0219i este foarte rapid<\/p>\n<\/li>\n<li>Au \u00een portofoliu chiar \u0219i un card de credit pentru r\u0103u platnici<\/li>\n<\/ul><p class=\"has-text-centered\">\n\t    <a href=\"https:\/\/financer.ro\/companie\/axi-card\/redirect\/\" rel=\"sponsored nofollow\" target=\"_blank\" class=\"button is-normal is-primary is-rounded is-large\">Aplic\u0103 acum! <\/a>\n\t<\/p><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Avantajele_i_dezavantajele_cu_care_vin_cardurile_de_credit\">Avantajele \u0219i dezavantajele cu care vin cardurile de credit<\/h2>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"like\"><li><p><strong>\u00cemprumut f\u0103r\u0103 dob\u00e2nd\u0103<\/strong><\/p>\n<p>A\u0219a cum am explicat \u0219i atunci c\u00e2nd am discutat despre perioada de gra\u021bie, printre principalele avantaje ale acestor produse este c\u0103 <strong>te po\u021bi folosi de carduri de credit cu bani gratis pentru un anumit interval de timp<\/strong>.<\/p>\n<p>Abia dup\u0103 dep\u0103\u0219irea intervalului de 45 \u2013 61 zile va \u00eencepe s\u0103 se aplice dob\u00e2nd\u0103 pentru fondurile utilizate.<\/p>\n<\/li><li><p><strong>Foarte util pentru cei ce vor s\u0103 \u021bin\u0103 o eviden\u021b\u0103 a cheltuielilor<\/strong><\/p>\n<p>Realiz\u00e2nd toate achizi\u021biile cu carduri credit, <strong>po\u021bi \u021bine o eviden\u021b\u0103 foarte bun\u0103 asupra tuturor cheltuielilor<\/strong> pe care le ai \u00eentr-un anumit interval de timp, un pas foarte important la realizarea unui <a href=\"https:\/\/financer.ro\/scoala-financiara\/de-ce-este-important-un-buget\/\" data-type=\"how_to\" data-id=\"1596\">buget personal<\/a>.<\/p>\n<p>\u0218tiind pe ce cheltui cel mai adesea bani, po\u021bi face mici ajust\u0103ri care te vor ajuta la cre\u0219terea economiilor.<\/p>\n<\/li><li><p><strong>Extrem de avantajos pentru cei ce c\u0103l\u0103toresc<\/strong><\/p>\n<p>POS-urile sunt utilizate peste tot \u00een lumea larg\u0103. Achit\u00e2nd peste hotare prin intermediul unui credit card, <strong>evi\u021bi riscul de a pierde banii fizici<\/strong> sau ca ace\u0219tia s\u0103-\u021bi fie fura\u021bi, nu ri\u0219ti s\u0103 fii \u00een\u0219elat la casele de schimb valutar \u0219i totul este mult mai simplu.<\/p>\n<p>\u00cen plus, unele companii ofer\u0103 \u0219i pachete de asigur\u0103ri de c\u0103l\u0103torii cu ale lor carduri.<\/p>\n<\/li><li><p><strong>Extra beneficii<\/strong><\/p>\n<p>Exist\u0103 diverse parteneriate pe care institu\u021biile financiare le-au \u00eencheiat cu anumi\u021bi furnizori de servicii, iar tu te vei putea bucura de: <strong>cashback, rate egale f\u0103r\u0103 dob\u00e2nd\u0103, reduceri la anumite achizi\u021bii etc<\/strong>.<\/p>\n<p>Toate aceste servicii sunt standard, f\u0103r\u0103 s\u0103 fie nevoie s\u0103 faci tu ceva \u00een plus pentru ele.<\/p>\n<\/li><li><p><strong>\u00ce\u021bi creezi un istoric de creditare<\/strong><\/p>\n<p>Dac\u0103 utilizezi corect un card de credit \u0219i pl\u0103te\u0219ti de fiecare dat\u0103 la timp datoriile acumulate, \u00ee\u021bi vei crea un istoric de creditare favorabil, care te va avantaja atunci c\u00e2nd vei vrea s\u0103 iei un \u00eemprumut mai mare.<\/p>\n<\/li><\/ul><\/div>\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"dislike\"><li><p><strong>Dob\u00e2nzi mari pentru cei ce nu returneaz\u0103 banii imediat<\/strong><\/p>\n<p>S\u0103 zicem c\u0103 \u00eentr-o lun\u0103 \u021bi-ai f\u0103cut gre\u0219it calculele \u0219i nu po\u021bi returna sumele utilizate \u00een perioada de gra\u021bie. Ei bine, <strong>acestea acumuleaz\u0103 dob\u00e2nzi, care nu sunt deloc mici<\/strong>.<\/p>\n<p>Costurile pot ajunge p\u00e2n\u0103 la 30 % pe an.<\/p>\n<\/li><li><p><strong>Taxe \u0219i comisioane<\/strong><\/p>\n<p>Unele institu\u021bii emitente solicit\u0103 diverse taxe \u0219i comisioane pentru clien\u021bii care le utilizeaz\u0103 cardurile de credit.<\/p>\n<p>Dintre ele, putem aminti: <strong>comision retragere bani de la ATM, emitere card, administrare cont etc.<\/strong><\/p>\n<\/li><li><p><strong>Po\u021bi acumula rapid datorii care s\u0103 se \u00eentind\u0103 pe ani de zile<\/strong><\/p>\n<p>O simpl\u0103 achizi\u021bie mai mare ce nu poate fi restituit\u0103 \u00een perioada de gra\u021bie va face ca, automat, datoria s\u0103 \u00ee\u021bi fie e\u0219alonat\u0103 pe mai mul\u021bi ani, <strong>iar tu s\u0103 trebuiasc\u0103 lun\u0103 de lun\u0103 s\u0103 pl\u0103te\u0219ti rate pentru sumele respective<\/strong>.<\/p>\n<p>Iar partea rea este c\u0103, cu c\u00e2t \u00eemprumutul se \u00eentinde pe mai mult timp, cu at\u00e2t vei avea de achitat dob\u00e2nzi mai mari.<\/p>\n<\/li><li><p><strong>Po\u021bi cheltui mai mult<\/strong><\/p>\n<p>Exist\u0103 studii care arat\u0103 c\u0103 atunci c\u00e2nd facem achizi\u021bii folosind cardul bancar <a href=\"https:\/\/mitsloan.mit.edu\/experts\/how-credit-cards-activate-reward-center-our-brains-and-drive-spending#:~:text=People%20tend%20to%20spend%20more,time%2C%20household%20debt%20has%20increased.\">avem tendin\u021ba de a cheltui mai mult<\/a> chiar \u0219i cu 50 % fa\u021b\u0103 de c\u00e2t ai cheltui dac\u0103 ai pl\u0103ti cash.<\/p>\n<p>Se pare c\u0103 excluderea din procesul de achizi\u021bie a actului fizic de a scoate bani din buzunar <strong>ne determin\u0103 s\u0103 nu \u021binem cont de c\u00e2t de mult cheltuim.<\/strong><\/p>\n<\/li><li><p><strong>Pl\u0103te\u0219ti dob\u00e2nzi din prima zi la retragerea de bani de la ATM-uri<\/strong><\/p>\n<p>A\u0219a cum am tot amintit \u00een articol, dac\u0103 vei vrea s\u0103 retragi bani de la bancomat, <strong>va trebui s\u0103 pl\u0103te\u0219ti dob\u00e2nd\u0103 pentru sumele utilizate chiar din prima zi.<\/strong><\/p>\n<\/li><li><p><strong>Crearea unui istoric nefavorabil dac\u0103 nu achi\u021bi datoriile la timp<\/strong><\/p>\n<p>\u0218i opusul a ceea ce am scris la avantaje este adev\u0103rat: <strong>un card de credit poate fi la baza unui istoric nefavorabil cu care s\u0103 apari \u00een Biroul de Credit<\/strong> pentru ani de zile, lucru care va face aproape imposibil\u0103 accesarea unui \u00eemprumut mai mare pe viitor.<\/p>\n<\/li><\/ul><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Cum_s_utilizezi_corect_carduri_de_credit\">Cum s\u0103 utilizezi corect carduri de credit<\/h2>\n\n\n\n<p>\u00cen ziua de ast\u0103zi accesul la aceste instrumente este extrem de facil. \u00cen doar c\u00e2teva minute po\u021bi accesa online credit card, cu toate c\u0103 mul\u021bi dintre beneficiari poate c\u0103 nu \u0219tiu exact cu ce limit\u0103ri sau avantaje vin respectivele plastice.<\/p>\n\n\n\n<p><em>Iat\u0103 de ce ne-am g\u00e2ndit ca, \u00een \u00eencheiere, s\u0103 \u00ee\u021bi oferim c\u00e2teva sfaturi care credem c\u0103 te vor ajuta.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Citete_foarte_atent_termenii_contractuali\">Cite\u0219te foarte atent termenii contractuali<\/h3>\n\n\n\n<p>Sfatul acesta poate p\u0103rea pu\u021bin banal, nu? \u00cens\u0103 <strong>ai fi uimit c\u00e2t de multe persoane nu citesc contractul de \u00eemprumut pe care \u00eel semneaz\u0103<\/strong> \u0219i abia apoi, c\u00e2nd se trezesc cu ni\u0219te costuri lunare uria\u0219e, \u00ee\u0219i dau seama c\u0103 nu au respectat unele dintre termenele citate acolo.<\/p>\n\n\n\n<p>A\u0219adar, tu nu fi unul dintre ei! Analizeaz\u0103 atent documentele care \u00ee\u021bi sunt puse la dispozi\u021bie \u0219i fii sigur c\u0103 \u00een\u021belegi m\u0103car urm\u0103toarele:<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p>Care este perioada de gra\u021bie<\/p>\n<\/li><li><p>Care este dob\u00e2nda creditului dup\u0103 dep\u0103\u0219irea acestei perioade<\/p>\n<\/li><li><p>Care sunt taxele \u0219i comisioanele importante (de retragere, administrare cont etc.)<\/p>\n<\/li><li><p>\u00cen ce situa\u021bie trebuie s\u0103 pl\u0103te\u0219ti dob\u00e2nd\u0103 card de credit<\/p>\n<\/li><\/ul><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"napoiaz_banii_folosii_ct_poi_de_repede\">\u00cenapoiaz\u0103 banii folosi\u021bi c\u00e2t po\u021bi de repede<\/h3>\n\n\n\n<p><em>Chiar dac\u0103 perioada de gra\u021bie este de 40 zile, de ce s\u0103 a\u0219tep\u021bi p\u00e2n\u0103 \u00een ultima clip\u0103 achitarea datoriei?<\/em><\/p>\n\n\n\n<p>Nu \u0219tim niciodat\u0103 ce ne rezerv\u0103 ziua de m\u00e2ine, a\u0219a c\u0103 sfatul nostru ar fi <strong>s\u0103 \u00eencerci s\u0103 \u00ee\u021bi achi\u021bi c\u00e2t po\u021bi de repede suma utilizat\u0103 din linia de credit<\/strong>, pentru a fi sigur c\u0103 nu ri\u0219ti ca aceasta s\u0103 acumuleze dob\u00e2nd\u0103.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"ncearc_s_optezi_pentru_o_variant_de_card_de_credit_fr_comisioane_anuale\">\u00cencearc\u0103 s\u0103 optezi pentru o variant\u0103 de card de credit f\u0103r\u0103 comisioane anuale<\/h3>\n\n\n\n<p>Dac\u0103 ar fi c\u0103 ne \u00eentrebi pe noi, \u021bi-am spune c\u0103 cel mai bun card de credit este acela care vine f\u0103r\u0103 niciun fel de comision fix, anual.<\/p>\n\n\n\n<p>Exist\u0103 astfel de produse \u0219i pe pia\u021ba de la noi. Le po\u021bi compara pe toate analiz\u00e2nd <a href=\"#compara-carduri-credit\">tabelul de aici<\/a>.<\/p>\n\n\n<div class=\"fn_block block_fn_faq_list\"><h3 id=\"ntrebri_frecvente_despre_carduri_credit\">\u00centreb\u0103ri frecvente despre carduri credit<\/h3><h4>Ce este un card de credit?<\/h4><div class=\"faq_inner\"><p>Un card de credit numit \u0219i <a href=\"https:\/\/financer.ro\/card-de-cumparaturi\/\">card de cump\u0103r\u0103turi<\/a> este un instrument de plat\u0103 din plastic prin intermediul c\u0103ruia beneficiarul poate utiliza o sum\u0103 de bani disponibil\u0103 ca linie de credit, oric\u00e2nd are nevoie.<\/p>\n<p>Banii pot fi folosi\u021bi at\u00e2t pentru plata prin POS-uri, dar pot fi \u0219i retra\u0219i sub form\u0103 de cash de la bancomate.<\/p><\/div><h4>Cum func\u021bioneaz\u0103 un card de credit?<\/h4><div class=\"faq_inner\"><p>Modul de func\u021bionare al unui credit card nu este unul greu de \u00een\u021beles:<\/p>\n<ul>\n<li>\n<p>Atunci c\u00e2nd vei dori s\u0103 devii beneficiarul unui astfel de instrument, \u021bi se va deschide o linie de credit<\/p>\n<\/li>\n<li>\n<p>C\u00e2nd nevoia o cere, vei putea apela la respectiva linie de credit pentru a face diverse achizi\u021bii<\/p>\n<\/li>\n<li>\n<p>Sumele utilizate vin cu o perioad\u0103 de gra\u021bie ce variaz\u0103 \u00eentre 45 \u0219i 61 zile, timp \u00een care nu vei avea de pl\u0103tit nimic \u00een plus fa\u021b\u0103 de ce ai cheltuit.<\/p>\n<\/li>\n<li>Dac\u0103 nu sunt ai restituit complet banii de care te-ai folosit, ace\u0219tia vor acumula dob\u00e2nd\u0103 ce variaz\u0103 \u00eentre 11 \u0219i 30 % pe an.<\/li>\n<\/ul><\/div><h4>La ce v\u00e2rst\u0103 po\u021bi avea card de credit?<\/h4><div class=\"faq_inner\"><p>Pentru a-\u021bi putea face un card de credit este nevoie s\u0103 ai cel pu\u021bin 18 ani.<\/p><\/div><h4>Unde pot face un card de credit?<\/h4><div class=\"faq_inner\"><p>\u00cen \u021bar\u0103 sunt numeroase institu\u021bii bancare \u0219i chiar \u0219i un IFN care ofer\u0103 posibilitatea deschiderii unei linii de credit cu card ata\u0219at. <a href=\"#compara-carduri-credit\">Po\u021bi vedea aici o list\u0103 complet\u0103 cu acestea<\/a>.<\/p><\/div><h4>Cum \u00ee\u021bi faci un card de credit?<\/h4><div class=\"faq_inner\"><p>\u00cen ziua de ast\u0103zi procesul pe care trebuie s\u0103 \u00eel urmezi pentru a putea beneficia de un astfel de instrument de plat\u0103 este unul foarte simplu.<\/p>\n<p>Astfel, po\u021bi aplica pentru un card de credit online, nu ai nevoie dec\u00e2t de o carte de identitate \u0219i de acte doveditoare de venit.<\/p><\/div><h4>Po\u021bi retrage bani de pe un card de credit?<\/h4><div class=\"faq_inner\"><p>Da, de pe orice card de credit vei putea retrage bani de la bancomat. \u00cens\u0103 sfatul nostru este s\u0103 nu o faci. Aceast\u0103 ac\u021biune va veni automat cu costuri.<\/p>\n<p>Mult mai bine \u0219i mai ieftin ar fi ca pentru astfel de opera\u021biuni s\u0103 folose\u0219ti un card de debit.\u00a0<\/p>\n<p>Dac\u0103 vrei s\u0103 cite\u0219ti mai multe diferen\u021be \u00eentre cardurile de debit \u0219i cele de credit, o po\u021bi face <a href=\"https:\/\/financer.ro\/wiki\/card-debit-vs-card-credit\/\">aici<\/a>.<\/p><\/div><\/div>\n\n<div class=\"fn_block block_fn_msg_box company\"><div class=\"fn_block__icon\"><\/div><h3 id=\"F_i_un_card_de_credit_chiar_acum\">F\u0103-\u021bi un card de credit chiar acum!<\/h3><p><em>A\u0219adar, te-ai convins din acest articol c\u0103 un card de credit este solu\u021bia financiar\u0103 ideal\u0103 pentru tine?<\/em> <strong>Aplic\u0103 chiar acum pentru un astfel de produs oferit de partenerii no\u0219tri \u0219i beneficiezi de:<\/strong><\/p>\n<ul>\n<li>\n<p>Linie de credit de p\u00e2n\u0103 la 6000 lei<\/p>\n<\/li>\n<li>\n<p>Aprobare imediat\u0103 a cererii<\/p>\n<\/li>\n<li>\n<p>Taxe \u0219i comisioane anuale 0<\/p>\n<\/li>\n<li>Dob\u00e2nd\u0103 de doar 0.2 % pe zi din suma utilizat\u0103, dac\u0103 respec\u021bi termenii contractuali<\/li>\n<\/ul>\n<p>A\u0219adar, ce mai a\u0219tep\u021bi? F\u0103-\u021bi \u0219i tu un card de credit ap\u0103s\u00e2nd butonul de mai jos!<\/p><\/div>\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"https:\/\/financer.ro\/companie\/axi-card\/redirect\/\" class=\"button  is-rounded is-primary is-large is-fullwidth\" target=\"_blank\"  rel=\"sponsored nofollow\">Aplic\u0103 pentru un card de credit acum!<\/a><\/div>\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Financer te ajut\u0103 s\u0103 g\u0103se\u0219ti cel mai bun card de credit Vrei s\u0103 \u0219tii care este \u0219i cum s\u0103 alegi\u2026 <\/p>\n","protected":false},"author":77,"featured_media":27191,"parent":868,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"disable_branded_featured_image":true,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","ep_exclude_from_search":false},"categories":[1123],"tags":[],"_links":{"self":[{"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/pages\/27188"}],"collection":[{"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/users\/77"}],"replies":[{"embeddable":true,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/comments?post=27188"}],"version-history":[{"count":9,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/pages\/27188\/revisions"}],"predecessor-version":[{"id":77747,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/pages\/27188\/revisions\/77747"}],"up":[{"embeddable":true,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/pages\/868"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/media\/27191"}],"wp:attachment":[{"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/media?parent=27188"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/categories?post=27188"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/tags?post=27188"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}