Bank cards, the big doubt: better independent or linked to the current account?

The big worry for those who want to make transactions and payments with a credit card. To see if it’s better with your own account or with others

Nowadays everyone has a credit card. With the explosion of internet banking and several smarter savings banks, getting a card is definitely a lot easier and doable for everyone.

Credit Cards (Picture Pixabay)

There are many types of credit cards. From standard cards, connected to your current account, to prepaid cards that can be recharged from time to time, to virtual cards (see Paypal) which allow transactions, in particular on the web.

The real concern of many users of this service, however, is this: is it better to obtain and use a credit card linked to your bank account or to decide to use a card from a completely different establishment? , without a direct account?

The differences between credit cards from your bank and those without a checking account

So let’s analyze the advantages and disadvantages of the two options offered for the personal credit card. Starting with the card linked to your current account.

First, there is convenience from a user recognition perspective. For long-time customers, the bank will have less difficulty issuing a credit card, so the time to get it will likely be reduced. Payment by credit card (web source)

Or it will be much easier and faster to request a possible increase in the credit limit of the card, or the amount of money advanced by the bank itself and used to pay. For example, there could be an emergency situation that causes the customer to need more cash.

As for credit cards from an institution other than your own, they also have certain advantages. Indeed, take for example the American Express credit cards which provide additional services compared to other types of payment cards such as:

the presence of cashback or programs for accumulating points to subsequently reduce the cost of the card; free card for a certain period of time and the possibility of canceling the cost if necessary; additional benefits in terms of anti-fraud protection, travel insurance and much more.

In practice, before deciding on which credit card to trust, the advantages and the difficulties must always be compared.