Carta You, what our readers say after receiving the credit card
, a Mastercard circuit credit card issued by the Advanzia institution that has the distinction of being totally free and [...]
Recently we have talked a couple of times about Carta You, a Mastercard circuit credit card issued by the Advanzia institution that Has the distinction of being totally free and can be requested in less than 3 minutes by simply filling out a form on the official website.
In this article:
As is often the case with financial products reviews on channels such as Trustpilot are not excellent, But this is not just a problem with Carta You. On the contrary, institutions such as American Express and Nexi have less than stellar ratings although they are very solid and serious companies.
The reason is quickly stated those who are refused the card, for whatever reason, are very likely to comment negatively on the service provider. That is why we wanted to see what our readers who have applied for this card in recent months have to say, and the picture that emerges is the same as the one we have recounted in our recent articles. The card works, only the post-approval authentication phase is cumbersome.
What cartaYou offers
The proposal is really aggressive and, above all, looks like an ideal travel companion, given the characteristics of the services offered. It is a payment instrument that relies on the existing checking account And, if used in balance, it costs the owner nothing. Since this is the Mastercard circuit you can use it wherever credit cards are accepted as a means of payment. This is not just a Mastercard, but it is a Gold product, which therefore opens up an additional set of benefits.
Did you get your flight cancelled, miss your connection, land late?
You could get up to 600€ compensation per person
The features of this paper also include the Possibility of being able to be used to purchase cryptocurrency: In this case, a monthly interest of 1.75% is charged. Full details on costs are available here.
The card is totally free (no fee or charges on withdrawals) and has two ways of reimbursement: balance and fractional deferred. In the second case, however, interest is triggered, and we are absolutely against this mode of use; we remind all our readers to pay off the due amount every month. In addition, the cartaYou can be conveniently managed from the downloadable app on smartphones.
This card has some interesting functions related to payments outside the euro area: the exchange rate applied Is not charged any fees and this results in savings compared to what other credit cards offer. Being from the Mastercard circuit you have the Guarantee of having a product that is accepted anywhere in the world And at no additional cost.
In addition to this, the card offers insurance coverage at no additional cost. It's basic, but it's better than nothing especially if you remember that we are talking about a card that costs absolutely nothing and is therefore a great tool for those who do not yet have credit cards that offer more comprehensive travel insurance.
How travel insurance works
The coverage under Section 1 "Travel Accident." of coverage is provided to you and your wife or cohabiting partner (living permanently at the same address) and dependent children traveling with you on the same trip, and to be entitled to the guarantees under this insurance:
- in connection with the coverage under Section 1 "Accidents While Traveling" you and your wife, or cohabiting partner, must be less than 75 years of age on the date insurance coverage is granted and at the beginning of each trip; and
- in relation to the cover under Section 1 "Accidents while travelling" tu you must have used the insured card to pay at least 50% of the total travel and living expenses during a trip. Travel by private vehicle is covered if at least 50% of the total living expenses are paid with the insured card before departure from your country of residence. Travel is also insured Within your country of residence if at least 1 night's stay has been booked and paid for With the insured card. The trip must be booked and completed during the coverage period. The trip must not exceed 90 days. If the trip lasts longer than 90 days, no part of the trip is insured beyond the first 90 days.
What our readers say about Carta You
To read our readers' opinions just go to our facebook page and read what they write, real people with their own first and last names, after having requested the card through the official website, e Having received it for free after a couple of weeks.
The only problems reported are precisely those related to the authentication phase, i.e., the data validation process, which involves having to make an acknowledgement with a web-based bank assistant. Everything is done via smartphone or pc, but sometimes it is complicated precisely to pick up the line.
Otherwise, the card works and the exchange rate applied Is not charged any fees and this translates into savings compared to what other credit cards offer when paying in currencies other than the Euro.
In addition, having an overdraft, which is growing, makes it possible to better manage the personal budget and have, in the portfolio, a line of credit ready to use in case of need.
