{"id":14684,"date":"2025-04-28T14:21:55","date_gmt":"2025-04-28T11:21:55","guid":{"rendered":"https:\/\/csalb.ro\/?p=14684"},"modified":"2025-04-28T19:15:34","modified_gmt":"2025-04-28T16:15:34","slug":"cards-ensure-the-ecosystem-of-payments-and-loans-between-consumers-and-banks","status":"publish","type":"post","link":"https:\/\/csalb.ro\/en\/press-releases\/cards-ensure-the-ecosystem-of-payments-and-loans-between-consumers-and-banks\/","title":{"rendered":"Cards ensure the ecosystem of payments and loans between consumers and banks"},"content":{"rendered":"

[vc_row][vc_column][vc_column_text]April 16, Bucharest. <\/strong>Easter is a time of joy but also adds financial pressure on personal budgets. Therefore, it is essential to manage spending and payments carefully during this period. Credit cards, shopping cards, card payments both in Romania and abroad, as well as the risk of fraud, are just some of the topics discussed in the first episode of this season\u2019s CSALB podcasts.<\/p>\n

The guests featured in this discussion are Ioana P\u00e2rvu, Director of Cards and Payment Solutions at BRD Groupe Societe Generale, and Dorian Petrovici, Director of Cards, Projects, and Retail Data Analysis at Banca Transilvania. <\/strong>The discussion is moderated by Adrian Asoltanie, financial education trainer and author of the book \u201cHoney, Where\u2019s the Money?\u201d<\/em><\/strong><\/p>\n

| PODCAST <\/strong>CSALB |<\/strong> https:\/\/www.youtube.com\/watch?v=PoJl5BMzitU&t=159s<\/strong><\/a><\/p>\n

The fifth season of the CSALB Podcasts explores topics inspired by the types of negotiation requests consumers send to the Alternative Banking Dispute Resolution Center: cards and payments, bank loans, fraud, debt enforcement, court vs. alternative resolution, saving, and investing. This year, CSALB\u2019s discussions bring together banking specialists, credit brokers, bailiffs, fraud prevention experts, and others. Debates are moderated by financial analysts, financial education lecturers, and respected economic journalists. Through these discussions, we aim to provide consumers with the necessary tools to manage and protect their finances in an unpredictable macroeconomic environment.<\/strong>.[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column]

<\/div><\/div>[\/vc_column][\/vc_row][vc_row][vc_column width=”1\/3″][vc_column_text]\"\"[\/vc_column_text][\/vc_column][vc_column width=”2\/3″][vc_column_text] <\/em><\/strong>Consumers should approach banks like they would a supermarket\u2014choosing the financial products that best suit their financial health. In other words, start with your needs and find the banking product that meets them. Calibration and self-awareness are crucial because when you take out credit, you\u2019re spending money from the future that doesn\u2019t belong to you. That\u2019s why how much and how you borrow matters\u2014it should be manageable to repay. One common concern is the cost and interest. Credit cards are perceived as expensive financial tools with higher interest rates. But what are the differences between credit cards, debit cards, and shopping cards\u2014and what should we know about this type of loan?[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column]
<\/div><\/div>[\/vc_column][\/vc_row][vc_row][vc_column width=”1\/3″][vc_column_text]\"\"[\/vc_column_text][\/vc_column][vc_column width=”2\/3″][vc_column_text]Credit cards differ from debit cards because they give consumers access to a credit line based on a creditworthiness assessment that indicates the consumer\u2019s ability to repay. Debit cards are linked to current accounts funded by the customer\u2019s own money. Shopping cards also provide access to a credit line\u2014this is important to understand because you\u2019re spending the bank\u2019s money. Currently, credit and shopping cards come with attractive offers, especially during peak shopping seasons like this one.<\/p>\n

Consumers can shift the perception that credit cards are expensive if they learn to use them correctly and keep costs at zero. If there\u2019s a specific need, the credit line can be used during the grace period. If repaid within 45\u201360 days (depending on the bank), there is no cost. Another option is interest-free installments, which is the most appreciated feature of credit cards. It\u2019s important to set installments (e.g., over 24 or 36 months) in a way that ensures easy repayment. A few key tips for consumers:<\/p>\n