NUOVI SOLDI ALLE BANCHE di Goldfinger

FINANZIAMENTI INDIRETTI AGLI ISTITUTI DI CREDITO

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Stando a quanto detto dall’ l’attuale esecutivo dal prossimo anno il contante subirà un limite di prelievo ancor più basso dell’attuale pertanto tutti dovremo adeguarci ai pagamenti con carta di credito e se così non fosse gli esercenti sprovvisti potrebbero essere sanzionati pertanto dovranno adeguarsi ed essere muniti di pos per poter eseguire transazioni con carte di credito e bancomat. A mia opinione è bene che gli italiani si modernizzino ed accettino questi tipi di pagamenti devo dire che finalmente vedremo una svolta, per il fatto della stretta al contante invece, aimè, quest’ultima scelta sempre a mio parere si rivelerebbe più infelice dato che in un paese democratico ogni persona penso abbia il diritto di pagare come meglio crede, a patto che i soldi spesi siano onesti. Non giriamoci molto intorno, una stretta al “sommerso” è un dovere darla ma non in questo modo. Limitare il contante a mio avviso serve veramente a poco, serve innanzittutto a complicare ancora una volta la vita ai cittadini che si devono adeguare a nuovi costi ed a nuove ed inutili abitudini e perché no ad “ingrassare” ancora una volta gli istituti di credito elargendo commissioni (da parte degli esercenti e non solo) alle carte di credito e pagando quote annuali per potersi munire di carte. Sempre a mia opinione (e questa per il nostro esecutivo “sicuramente è una nota stonata” ma la verità talvolta risulterebbe anche “stonata”, dura da sopportare) per combattere il “sommerso” è necessario abbassare le altissime e talvolta inutili tasse ed imposte che in Italia siamo obbligati a pagare, a sopportare in cambio di servizi talvolta mediocri o addirittura pessimi. Se il Governo italiano abbassasse notevolmente le tasse offrendo un po’ di ossigeno alle imprese non solamente attirerebbe gli investitori stranieri e nostrani ma creerebbe nuovi posti di lavoro e finalmente usciremmo dalla stagnazione in seguito, avrebbe certamente in dovere di combattere il sommerso ma non abbassando l’uso dei contanti, semmai inasprendo le pene relativamente all’ evasione fiscale. Ormai in Italia lavoriamo bene o male quasi un anno “per lo stato” accollandoci solamente i rischi e francamente non mi sembra una cosa giusta e democratica. Comunque sia tornando alle carte di credito ed ai pagamenti elettronici analizzeremo i costi con una tabella presa da un celebre quotidiano nazionale. La tabella ci farà capire come ancora una volta saremo costretti a foraggiare gli istituti di credito ma in modo assolutamente indiretto.

Tebella presa da: Il Corriere della Sera:

Tipologia Card conto iban Credit card a rate Card a saldo   

Ricaricabile 

Canone mensile € 5,18 €4,01 € 6,30                   € 0,61
attivazione 00 €3,30 €2,57                    €5,57
Prelievo propria banca €0,20 3,31% 3,31%                   €0,43
Prelievo  altra banca €0,20 €3,31 €3,31                    €0,43
Prelievo banca UE €0,20 €3,61 €3,65                    €1,87
Prelievo banca extra UE €5,20 €5,15 €5,10              €4  ,18

e/o  1,62

Prelievi gratis inclusi mensili 60 90 90                             65
Commissioni Pos Italia 00 00 00                             00
Commissioni Pos UE 00 00 00                             00
Commissioni Pos extre UE 00 00 00                             00
Massimale prelievo €457 €456 €607                       €567
Plafond €24.127 €10,156 +€26489       # €11,316 
VANTAGGI Commissioni ridotte o nulla su prelievo Possibilità spese rateali +Plafond personalizzabile vantaggi rispetto pre pagate

#Attivabili da tutti anche senza conto corrente

 

SVANTAGGI limiti prelievo bassi Tassi e interesse  sui pagamenti elevati – commissioni elevate su prelievi + Commissioni su prelievi elevate

 

#Commissioni più elevate sui prelievi risperrto alle carte di credito

Goldfinger
Author: Goldfinger

Goldfinger è un giornalista specializzato in misteri, opinioni politiche, religione, etica e società ha uno stile talvolta piuttosto controverso nelle opinioni, diciamo che in genere è “ fuori dal coro”, fuori dagli schemi tradizionali

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