Carte di Credito Mono e Multi Funzione

Le carte di credito, comai??i??A? noto, sono spesso offerte da parte degli istituti di credito a corredo del proprio conto corrente.
Due sono le tipologie di carta di credito: quella multifunzione e quella monofunzione.
Le multifunzione sono, in realtAi??, le piA? diffuse e propongono la possibilitAi?? di pagamento posticipandone il saldo, mediante addebito su proprio conto corrente. I contanti, dunque, vengono anticipati da parte della banca, e possono anche essere prelevati presso un atm, similmente a quanto accade per un bancomat.
Le carte monofunzione, invece, offrono esclusivamente la possibilitAi?? di uso come carta di credito pura, senza ulteriori servizi aggiuntivi, maAi?? si tratta di un prodotto ben poco diffuso. Le carte di credito, comunque, sono sempre accomunate da un limite mensile dai??i??importo concesso, che viene definito naturalmente dalla propria banca, secondo quelle che sono le personali condizioni finanziarie e patrimoniali.
Quando il pagamento A? posticipato, ma entro i termini massimi indicati per contratto, di solito 60 giorni, non si applica alcun tasso di interesse; mentre gli oneri aggiuntivi si faranno sentire nel caso in cui non si abbia sufficiente disponibilitAi?? sul proprio conto per consentire il ripianamento del debito accumulato in precedenza. Diverso, invece, il caso delle revolving, dato che il piano rateale di rientro viene, in genere, gravato da una percentuale di interessi.

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