Give two! Alfa-Bank issued a bilateral debit and credit card




Creators of the banking sector periodically pleased really cool implementations of useful ideas to make life a little easier. This time surprised Alfa-Bank, issued the two-way plastic card , comprising two separate credit cards: debit and credit. Keep full two credit cards in a single shell – it is quite a Life hacking, a nice bonus for current customers and potential for good zamanuha. Curiosity led us to thoroughly investigate with innovation, and today we will tell you about all the subtleties and nuances of the use of double-sided cards.

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So sided card “Twins” from Alfa-Bank. Two cards that are connected in the same plastic. On one side of a debit card categories Classic, on the other – credit card category Gold.

Each card has its own details (of course, except for the names and the name of the owner) and separate the technical part. Number, expiration date, CVV2-code chip, magnetic stripe, PIN-code – for each side they own.

There could argue about the wisdom of setting different PIN-codes on each side, but from a security standpoint it right. Otherwise, an attacker will have at its disposal two-way card and PIN, in fact able to use the facilities on both cards. This is too big a risk.

Pros practice

The idea with a debit + credit card in one housing fits into everyday life. The vast majority of our friends, acquaintances and colleagues hold two cards. Debit – it is their own money. Credit card – this is a fallback in case of force majeure, when the money on a debit card there is no or not enough. However, in this case it is necessary to consider also a difference categories. In certain situations, Gold allows you to get discounts when buying larger, and therefore sometimes more profitable to pay by credit card Gold, rather than debit Classic, even if it has the money. Overpayments in this case will not be because of the effect on the credit 100-day interest-free period.

Examples and problems

The easiest way to estimate krutotu example of such a system. Suppose we buy a product / service X for 10 thousand rubles. When paying with Gold price drops to 9,000 rubles. We have the necessary amount on the debit side, but for the prices we pay for purchases by credit card. Purchase is made, and now we want to immediately repay the debt on the credit side. When transferring money from the debit side of the credit committees do not. Go to the online service of Alfa-Bank and move with the necessary amount of the debit side of the credit. That’s all. As a result, we have a bargain, as well as the absence of any debt on the credit side and overpayments for the Commission in translation.

In addition to the example given above, the lack of commissions when translating from debit side of the credit rescue and shopping. Bilateral card will curiosities in the near future and it is reasonable to expect that at a meeting with unprecedented gizmo cashiers can blunt. But! Even if the cashier will hold upside down payment (credit instead of debit), we still do not lose anything. Similar to the first example extinguish debt beskomissionnym instant transfer from debit side and continue to enjoy life.

In total

In general, two-sided map is an implementation of the idea of ​​”give up the fan card in your pocket.” A single piece of plastic that combines the two most popular forms of bank cards, devoid of any restrictions and diluted convenient for the customer transfer money between debit and credit sides – this is just what you need. We hope that soon other banks took up the idea, but for now quietly envious of Alfa-Bank’s customers and those who are going to go to them

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