Today
in the fast growing age of business it is very difficult to carry hard
cash with you, for this reason almost all the banks in Pakistan are
offering their services for the provision of credit as well as VISA
debit cards and ATM (Automatic teller Machine) cards,
which will give you cash on the go. All you need to go to the nearest
ATM outlet and use it there by entering your Personal Identification
Number (PIN) and get the cash in no time. It saves a lot of time and it
is safe and secure also it provides you a mini statement to find out the
remaining account balance and for your record also.
There is a little difference between a credit card and a VISA debit card.
As the name suggest credit card is the one in which if you do not have
cash in your account you can shop anywhere by the use of this card and
pay later on up till the due date. Whereas VISA debit card is the one in
which you have pre balance in your account and on the use of this card,
the amount gets deducted from your bank balance and you shop. You can
also use these cards for shopping online.
Where to go for Credit Or Visa Debit Card?
Different
banks give different packages for the use of credit card and facilitate
their customers, for example, you can do shopping at a mega store,
purchase something online on the internet. It has some disadvantages too
as if you get late to pay your credit card bill on time, you will be
charged per day surcharge.
Now
the question arise that how to get these cards? For this sake you have
to visit the branch of the bank in which you have your account running
and ask for the credit card or debit card form. The process is nearly
similar. You can also request the customer service agent to come to you
for this sake. Fill the form in which they will ask for your personal
details, like your name, father’s name, your mailing and email address,
your account number associated with the specific card you are going to
apply, your signatures and some initial deposit (where necessary).
After
the form is filled the agent will ask that you want to get the card
either on the address which you had mentioned on the form or you have to
manually collect from the respective branch of bank. After some days;
the working period; as described by the officials of bank for the
verification and inquiry of the details provided, you will be delivered
with a letter and card with a PIN code secured. If this letter is not
properly secured the first thing you need to do is to inform the bank
and get that PIN code blocked or changed. After getting your card you
need to activate it by calling the respective online customer service
center and afterwards start using your card.
Which cards are best to use in Pakistan?
I’ve
used Credit Card in Pakistan provided by Standard Chartered Bank as
well as the Wiz Card Provided by United Bank Limited (UBL), also I’ve
been using my ATM Card of UBL as a Wallet Visa Card for Online Shopping
and for many other things. So I’ll suggest you that the ATM card works
same as the Visa Card, you can withdraw your money from any ATM in
Pakistan as well as in many other countries. While you can also buy
domain, web hosting, themes and whatever you want to buy online, the UBL
or SCB’s ATM is enough to do so. If you are using UBL for banking then
after receiving your ATM Card just call on 111-825-888 and first of all
activate your card, also tell the operator to activate your ATM card for
Online usage. So they will update its activation and you’ll then be
able to use your Card to withdraw your money from ATMs and also to shop
online. But For UBL ATMs (As I’m using it myself) you’ll need to
activate a session for online purchasing and they will charge you Rs.100
for each session you activate. The session’s maximum time is 10 hours
and you can purchase whatever you want online. For that session they
will deduct Rs.100 from your UBL bank account. You can also select a
fixed amount to be spend online on purchasing, for example if you need a
web hosting and it costs you $40, so you can tell them to activate a
session for 5000PKR , just purchase your thing and the amount will be
deducted from your Bank Account. Don’t worry if you registered a session
of 5000PKR and you purchased things of 4000PKR then the 1000PKR is
always yours and goes back in your account.
Moreover, You can use your Visa Debit Card to Withdraw Paypal Money in Pakistan. And Payza Money may also be received in your Visa Debit Card or Credit Card. That’s everything is possible with your Card.
What do you think now?
This
is very easy process especially the last paragraph of this article is
something interesting, you can just use your UBL ATM card to do shopping
online or whatsoever you want to buy online. Must give it a try. Also
if you have further questions then use the comment form below to ask me
your questions. I’ll be happy to answer every questions posted here.
0 comments: