{"id":16729,"date":"2022-03-02T11:12:50","date_gmt":"2022-03-02T11:12:50","guid":{"rendered":"https:\/\/transfergo.wpengine.com\/de-la-primul-card-in-1949-pana-la-cel-din-buzunarul-tau-care-sunt-beneficiile-unui-card-bancar"},"modified":"2025-03-19T08:56:52","modified_gmt":"2025-03-19T08:56:52","slug":"beneficiile-unui-card-bancar","status":"publish","type":"post","link":"https:\/\/develop.wpvip.tgalpha.com\/ro\/beneficiile-unui-card-bancar","title":{"rendered":"Care sunt beneficiile unui card bancar?"},"content":{"rendered":"\n<p>Un card bancar <span style=\"font-weight: 400\">este un instrument de plat\u0103 electronic\u0103. Astfel, un card bancar folose\u0219te ceea ce se numesc \u201ebani electronici\u201d \u00een locul numerarului. Cu alte cuvinte, \u00ee\u021bi permite s\u0103 te folose\u0219ti de banii pe care-i ai \u00een contul bancar pentru a face diverse pl\u0103\u021bi, f\u0103r\u0103 bani \u00een numerar. Totodat\u0103, un card bancar poate fi \u0219i un mijloc de credit. Care sunt beneficiile de\u021binerii unui card \u0219i ce informa\u021bii importante trebuie s\u0103 \u0219tii despre cardul t\u0103u? \u021ai-am preg\u0103tit informa\u021biile \u00een acest articol! <br><br>Aici la <\/span><b>TransferGo<\/b><span style=\"font-weight: 400\"> vrem s\u0103 \u00ee\u021bi facem via\u021ba departe de cas\u0103 c\u00e2t mai u\u0219oar\u0103. Nu doar prin costurile noastre de transfer, care sunt printre cele mai mici pe care le po\u021bi avea atunci c\u00e2nd<\/span> <a href=\"https:\/\/develop.wpvip.tgalpha.com\/ro\/ce-se-intampla-cand-transferi-bani-online\/\"><span style=\"font-weight: 400\">transferi bani<\/span><\/a><span style=\"font-weight: 400\"> online \u0219i prin siguran\u021ba pe care \u021bi-o oferim, dar \u0219i prin toate aceste informa\u021bii pe care le preg\u0103tim pentru tine.<\/span><\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Cuprins<\/h2><nav><ul><li class=\"\"><a href=\"#\u0219tiai-ca-primul-card-bancar-a-fost-cardul-diners-club\">\u0218tiai ca primul card bancar a fost cardul Diners Club? <\/a><\/li><li class=\"\"><a href=\"#cate-tipuri-de-carduri-exista\">C\u00e2te tipuri de carduri exist\u0103?\u00a0<\/a><\/li><li class=\"\"><a href=\"#care-sunt-beneficiile-utilizarii-unui-card-bancar\">Care sunt beneficiile utiliz\u0103rii unui card bancar?\u00a0<\/a><\/li><li class=\"\"><a href=\"#4-sfaturi-utile-pentru-a-reduce-comisioanele-\u0219i-taxele-platite-odata-cu-utilizarea-cardului\">4 Sfaturi utile pentru a reduce comisioanele \u0219i taxele pl\u0103tite odat\u0103 cu utilizarea cardului:\u00a0\u00a0<\/a><\/li><li class=\"\"><a href=\"#care-sunt-principalele-elemente-de-identificare-ale-unui-card\">Care sunt principalele elemente de identificare ale unui card?<\/a><ul><\/ul><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"\u0219tiai-ca-primul-card-bancar-a-fost-cardul-diners-club\"><span style=\"font-weight: 400\">\u0218tiai ca primul card bancar a fost cardul Diners Club? <\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400\">\u00cen anul 1949 Diners Club \u0219i American Express au lansat primul card bancar modern creat din plastic. Acest card a fost creat exclusiv pentru <\/span><a href=\"https:\/\/develop.wpvip.tgalpha.com\/ro\/blog\"><span style=\"font-weight: 400\">pl\u0103\u021bile<\/span><\/a><span style=\"font-weight: 400\"> \u00een 27 de restaurante renumite din New York. P\u00e2n\u0103 \u00een anul 1951 circa 20.000 de noroco\u0219i erau de\u021bin\u0103tori ale acelor carduri bancare! <br><br>De\u0219i \u00een anul 1952 cardul Diner\u2019s Club era acceptat \u00een 400 de restaurante, 30 de hotele, 200 de companii de \u00eenchirierea a ma\u0219inilor \u0219i la 4 flor\u0103rii, creatorul cardului, omul de afaceri Frank McNamara, a considerat c\u0103 aceste carduri bancare deveniser\u0103 inutile. El \u0219i-a v\u00e2ndut atunci partea sa din companie pe suma de 200.000 de dolari. <\/span><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" height=\"576\" width=\"1024\" src=\"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-content\/uploads\/2022\/03\/beneficiile-unui-card-bancar.jpg?resize=1024,576\" alt=\"beneficiile-unui-card-bancar\" class=\"wp-image-170243\" srcset=\"https:\/\/develop.wpvip.tgalpha.com\/wp-content\/uploads\/2022\/03\/beneficiile-unui-card-bancar.jpg 1920w, https:\/\/develop.wpvip.tgalpha.com\/wp-content\/uploads\/2022\/03\/beneficiile-unui-card-bancar.jpg?resize=300,169 300w, https:\/\/develop.wpvip.tgalpha.com\/wp-content\/uploads\/2022\/03\/beneficiile-unui-card-bancar.jpg?resize=768,432 768w, https:\/\/develop.wpvip.tgalpha.com\/wp-content\/uploads\/2022\/03\/beneficiile-unui-card-bancar.jpg?resize=1024,576 1024w, https:\/\/develop.wpvip.tgalpha.com\/wp-content\/uploads\/2022\/03\/beneficiile-unui-card-bancar.jpg?resize=1536,864 1536w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"cate-tipuri-de-carduri-exista\"><span style=\"font-weight: 400\">C\u00e2te tipuri de carduri exist\u0103?<\/span><span style=\"font-weight: 400\">&nbsp;<\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400\">\u00cen func\u021bie de ai cui sunt banii, exist\u0103 trei tipuri de carduri bancare:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><i><span style=\"font-weight: 400\">carduri de debit<\/span><\/i><span style=\"font-weight: 400\">, unde banii sunt ai posesorului acestuia;&nbsp;<\/span><\/li>\n\n\n\n<li><i><span style=\"font-weight: 400\">carduri de debit cu overdraft<\/span><\/i> <i><span style=\"font-weight: 400\">(descoperit de cont)<\/span><\/i><span style=\"font-weight: 400\">, unde fondurile sunt ale posesorului, dar exist\u0103 \u0219i o limit\u0103 de creditare pus\u0103 la dispozi\u021bie de banc\u0103;&nbsp;<\/span><\/li>\n\n\n\n<li><i><span style=\"font-weight: 400\">carduri de credit<\/span><\/i><span style=\"font-weight: 400\">, unde banii sunt ai b\u0103ncii.&nbsp;<\/span><\/li>\n<\/ul>\n\n\n\n<p><span style=\"font-weight: 400\">B\u0103ncile din Rom\u00e2nia ofer\u0103 carduri bancare emise at\u00e2t de Mastercard, c\u00e2t \u0219i de Visa. Aceste dou\u0103 institu\u021bii sunt cei mai mari procesatori de pl\u0103\u021bi electonice la ora actual\u0103. <br><br><\/span><i><span style=\"font-weight: 400\">Cardul Visa Electron (emis de Visa)<\/span><\/i><span style=\"font-weight: 400\"> \u0219i <\/span><i><span style=\"font-weight: 400\">cardul Maestro (emis de Mastercard) <\/span><\/i><span style=\"font-weight: 400\">sunt carduri de debit. Acestea sunt cardurile neembosate (f\u0103r\u0103 inscrip\u021bii \u00een relief). Cardul Visa Electron si cardul Maestro sunt des asociate conturilor de salariu. <br><br><\/span><i><span style=\"font-weight: 400\">Cardurile Visa Classic<\/span><\/i><span style=\"font-weight: 400\"> \u0219i <\/span><i><span style=\"font-weight: 400\">cardurile Mastercard<\/span><\/i><span style=\"font-weight: 400\"> pot fi atat carduri de debit, c\u00e2t \u0219i carduri de credit. Acestea au datele de card embosate (inscrip\u021bionate \u00een relief).\u00a0\u00a0<\/span><\/p>\n\n\n\n<p class=\"has-text-align-center\"><span style=\"font-weight: 400\">&nbsp; &nbsp; &nbsp; <\/span><strong><i>\u0218tim c\u0103 mutarea \u00eentr-o alt\u0103 \u021bar\u0103 \u00eenseamn\u0103 multe eforturi.&nbsp;<\/i><\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center\"><strong><i>\u00censeamn\u0103 curajul de a pleca \u0219i de a fi departe de cei dragi.<\/i><\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center\"><strong><i>\u0218i tocmai de aceea, te ajut\u0103 s\u0103 \u0219tii c\u0103 banii t\u0103i sunt \u00een siguran\u021b\u0103.<\/i><\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center\"><strong><i>Ai nevoie s\u0103 transferi bani simplu, rapid \u0219i f\u0103r\u0103 comisioane bancare<\/i><i> exagerate \u00een Rom\u00e2nia \u0219i nu numai.<\/i><\/strong><i><span style=\"font-weight: 400\"><br>\n<\/span><\/i><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"care-sunt-beneficiile-utilizarii-unui-card-bancar\"><span style=\"font-weight: 400\">Care sunt beneficiile utiliz\u0103rii unui card bancar?&nbsp;<\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400\">Cel mai mare avantaj este faptul ca ai acces la bani la orice or\u0103 dore\u0219ti. Po\u021bi face pl\u0103\u021bi la cump\u0103r\u0103turi sau po\u021bi scoate bani de la ATM \u0219i pl\u0103ti facturi 24 din 24. Desigur, at\u00e2ta timp c\u00e2t ai fonduri suficiente \u00een contul cu care\u00a0 este asociat cardul. Acesta este un aspect de care trebuie s\u0103 \u021bii mereu cont. <\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">Apoi, te bucuri nu numai de siguran\u021ba transferurilor de bani, dar \u0219i de costuri reduse pentru pl\u0103\u021bile la comercian\u021bi.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">Mai departe, un beneficiu este faptul c\u0103 un card bancar poate fi folosit at\u00e2t \u00een \u021bar\u0103, c\u00e2t \u0219i \u00een str\u0103in\u0103tate. Nu \u00een ultimul r\u00e2nd, po\u021bi oric\u00e2nd cere un extras de cont pentru o listare a pl\u0103\u021bilor f\u0103cute cu cardul, fie prin internet banking, fie direct de la banc\u0103.&nbsp;<\/span><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" height=\"576\" width=\"1024\" src=\"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-content\/uploads\/2022\/03\/beneficiile-unui-card-bancar-1.jpg?resize=1024,576\" alt=\"beneficiile-unui-card-bancar\" class=\"wp-image-170254\" srcset=\"https:\/\/develop.wpvip.tgalpha.com\/wp-content\/uploads\/2022\/03\/beneficiile-unui-card-bancar-1.jpg 1920w, https:\/\/develop.wpvip.tgalpha.com\/wp-content\/uploads\/2022\/03\/beneficiile-unui-card-bancar-1.jpg?resize=300,169 300w, https:\/\/develop.wpvip.tgalpha.com\/wp-content\/uploads\/2022\/03\/beneficiile-unui-card-bancar-1.jpg?resize=768,432 768w, https:\/\/develop.wpvip.tgalpha.com\/wp-content\/uploads\/2022\/03\/beneficiile-unui-card-bancar-1.jpg?resize=1024,576 1024w, https:\/\/develop.wpvip.tgalpha.com\/wp-content\/uploads\/2022\/03\/beneficiile-unui-card-bancar-1.jpg?resize=1536,864 1536w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"4-sfaturi-utile-pentru-a-reduce-comisioanele-\u0219i-taxele-platite-odata-cu-utilizarea-cardului\"><span style=\"font-weight: 400\">4 Sfaturi utile pentru a reduce comisioanele \u0219i taxele pl\u0103tite odat\u0103 cu utilizarea cardului:&nbsp;&nbsp;<\/span><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><span style=\"font-weight: 400\">Pl\u0103te\u0219te cu cardul la comercian\u021bi pentru eficien\u021ba costurilor.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400\">Dac\u0103 ai nevoie s\u0103 retragi bani, din punct de vedere al costurilor cel mai indicat este s\u0103 utilizezi ATM-urile b\u0103ncii care a emis cardul.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400\">B\u0103ncile dispun de un Call Center cu program 24 din 24 care poate fi apelat \u00een cazul \u00een care <\/span><span style=\"font-weight: 400\">\u00eent\u00e2mpini <\/span><span style=\"font-weight: 400\">probleme la utilizarea cardurilor. Num\u0103rul de telefon este de obicei este men\u021bionat pe spatele cardului.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400\">Banca seteaz\u0103 limite de utilizare a cardurilor, de exemplu, suma maxim\u0103 zilnic\u0103 pe care o po\u021bi retrage de la ATM.&nbsp;<\/span><\/li>\n<\/ol>\n\n\n\n<p class=\"has-text-align-center\"><strong><i>La <\/i><i>TransferGo<\/i><i>, \u00ee\u021bi oferim garan\u021bia c\u0103 banii t\u0103i ajung rapid \u0219i \u00een siguran\u021b\u0103 la cei dragi.<\/i><\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center\"><strong><i>\u0218i \u00ee\u021bi mai oferim ceva. Respectul pentru lupta ta pentru c\u0103 \u0219tim c\u00e2t Valorezi pentru Rom\u00e2nia!<\/i><\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center\"><strong><i>Descarc\u0103-\u021bi aplica\u021bia TransferGo<\/i><i> \u0219i al\u0103tur\u0103-te celor peste 3,5 milioane de utilizatori din \u00eentreaga lume!<\/i><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"care-sunt-principalele-elemente-de-identificare-ale-unui-card\"><span style=\"font-weight: 400\">Care sunt principalele elemente de identificare ale unui card?<\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading is-style-h5-higher-header-style\" id=\"pe-fa\u021ba-cardului-vei-identifica-urmatoarele-date\"><span style=\"font-weight: 400\">Pe fa\u021ba cardului vei identifica urm\u0103toarele date:<\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400\">numele titularului sau al detinatorului autorizat;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400\">num\u0103rul de card format din 16 cifre;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400\">data expir\u0103rii (in format luna-an (LL\/AA), cardul fiind valid p\u00e2n\u0103 \u00een ultima zi calendaristic\u0103 a lunii men\u021bionate);<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400\">sigla b\u0103nci care a emis cardul \u0219i unde este deschis contul curent accesat prin intermediul cardului;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400\">organiza\u021bia interna\u021bional\u0103 de carduri sub a c\u0103rei sigl\u0103 a fost emis cardul (Visa sau MasterCard).<\/span><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading is-style-h5-higher-header-style\" id=\"pe-spatele-cardului-vei-identifica-urmatoarele-elemente\"><span style=\"font-weight: 400\">Pe spatele cardului vei identifica urm\u0103toarele elemente:<\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400\">cadranul cu semn\u0103tura <\/span><span style=\"font-weight: 400\">de\u021bin\u0103torului<\/span><span style=\"font-weight: 400\"> de card sau cea a utilizatorului autorizat (cardul va fi semnat \u00een momentul primirii de c\u0103tre banc\u0103);&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400\">cod de securitate (ultimele trei cifre ale num\u0103rului de \u0219apte cifre \u0219i care este utilizat \u00een cazul tranzac\u021biilor efectuate \u00een mediu virtual).&nbsp;<\/span><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"de-asemenea-vor-exista-la-tine\"><span style=\"font-weight: 400\">De asemenea, vor exista la tine:&nbsp;<\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400\">PIN-ul (cod secret, comunicat de banc\u0103, necesar \u00een validarea opera\u021biunilor care necesit\u0103 o astfel de validare);<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400\">codul de securitate (trei cifre eviden\u021biate pe verso card, utilizat \u00een efectuarea anumitor opera\u021biuni f\u0103r\u0103 prezen\u021ba cardului, cum ar fi rezerv\u0103rile la hotel etc.);<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400\">parola 3D Secure (parola cunoscut\u0103 numai de c\u0103tre posesor pentru efectuarea opera\u021biunilor pe internet \u00een maxim\u0103 siguran\u021b\u0103)<\/span><\/li>\n<\/ul>\n\n\n\n<p><span style=\"font-weight: 400\">Surs\u0103 informa\u021bii: <\/span><a href=\"https:\/\/www.financialmarket.ro\/wp-content\/uploads\/2018\/10\/Manual-Educatie-Financiara_.pdf\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400\">Manualul de educatie financiara<\/span><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Un card bancar este un instrument de plat\u0103 electronic\u0103. Astfel, un card bancar folose\u0219te ceea ce se numesc \u201ebani electronici\u201d \u00een locul numerarului. Cu alte cuvinte, \u00ee\u021bi permite s\u0103 te folose\u0219ti de banii pe care-i ai \u00een contul bancar pentru a face diverse pl\u0103\u021bi, f\u0103r\u0103 bani \u00een numerar. Totodat\u0103, un card bancar poate fi \u0219i [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":16730,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[1310,1313],"tags":[],"business_case_studies_tags":[],"class_list":["post-16729","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finante-personale","category-sfaturi-finantele-personale"],"jetpack_featured_media_url":"https:\/\/develop.wpvip.tgalpha.com\/wp-content\/uploads\/2022\/11\/shutterstock_617054912.jpg","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/posts\/16729","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/comments?post=16729"}],"version-history":[{"count":1,"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/posts\/16729\/revisions"}],"predecessor-version":[{"id":170265,"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/posts\/16729\/revisions\/170265"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/media\/16730"}],"wp:attachment":[{"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/media?parent=16729"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/categories?post=16729"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/tags?post=16729"},{"taxonomy":"business_case_studies_tags","embeddable":true,"href":"https:\/\/develop.wpvip.tgalpha.com\/ro\/wp-json\/wp\/v2\/business_case_studies_tags?post=16729"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}