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| Credit Card |
What is Credit Card - Already know yet what is meant by credit card. Creadit Card or Credit Card is one means of payment of cash substitutes that make it easier for consumers to pay a bill. However, payment using Credit Card is not accepted in all places, only certain places that already support this credit card facility that we can use as a means of payment. Usually, credit cards are used for online transactions such as buying products online and so forth. But, there is also an offline place that allows consumers to pay with this CC, for example like Cafe place, Mall and so forth.
Credit Card can also be interpreted as one of the banking facilities that can facilitate the transactions of its customers. Its use is also very easy, we just need to swipe the credit card and membanyek when the bill arrived.
Terms of credit card filing usually is a copy of ID card, Salary Slip, as well as photos and other information that are considered important. However, there is also a good idea before you apply to make credit cards in banking, you also have to understand first what is a credit card, credit card features and types of credit cards.
# Types of Credit Cards
Well, as well as other cards such as credit card ATM card also there are various types, both based on function and based on the country. For more details, please refer to some types of credit cards below with each other.
1. Credit Card
Credit Card is a type of credit card that can be used as one means of payment a transaction or sale and purchase of goods or services where the payment can be made at once or by installments with a certain amount. The amount of the installment will be calculated from the balance of the bill plus the monthly interest. Well, the bill in the last month will also be considered as interest or retails interest which is the principal of the loan in the next month.
2. Change Card
Change Card is a credit card that is also used to pay a sale and purchase transactions of goods or services, where the customer must pay back the bill in full at the end of the month or the next month, either at an additional cost or at no additional cost.
3. Debit Card
Debit Card is a credit card different from both types of credit cards above. Payments using the Debit Card is principally cash, but not by cash, but the payment is made directly by debiting the balance on the account of the cardholder.
4. Cash Card
Card Card is a card that allows the card owner can withdraw cash directly, either at the cashier or on a particular bank ATM machine located in all areas with a strategic location. Suppose a crowded place like the center koda, mall, caffe, Hospital and other places that are not quiet. However, currently in Indonesia itself for the card type Cash Card all banks are working together, which means we can also take money in all bank ATM machines with cash cards different from the bank. But, admin costs may be a bit big and different compared to withdraw money with cash card on the same bank ATM machine.
5. Check Guarante Card
This type of credit card basically has the principle as a guarantee in the withdrawal of sex by the card owner. This type of credit card is very popular in the UK and other European regions. In addition as a guarantee, this card can also be used as a card to withdraw money at an ATM machine or almost the same as a Cash Card.
Well, the above are the types of credit cards based on function and usefulness. However, in addition to these types of credit cards there are also types of credit cards based on areas of similar use. Shrink is a type of credit card by region.
1. National Credit Card (National Credit Card)
A national credit card is a type of card that can only be used and valid in certain areas only. For example in Indonesia, this type of card can only be used in Indonesia and not valid for other countries except MasterCard. Examples of national credit cards are Astra Card, Hero, Golden Truly, and Garuda Executive Card.
2. International Credit Card (International Credit Card)
Credid Card of this type can be used and apply in all places in this world. This card also serves as a means of payment that can be used in all international markets that already support this type of payment. Credit cards of this type are generally dominated by two brands of Visa and MasterCard. From both credit card dominance until now already has more than 200 million consumers spread in all regions around the world. Here are the types of international credit cards that can be used as a transaction tool worldwide:
- Visa
- Master Card
- Dinner Club
- Carte Blanc
- American Express
That's some kind of international credit card that can be used as a means of payment and applies in all countries. Hopefully with this article can add our insight all in knowing Credit Card and its types. If you have questions about credit card, please ask the comment column below, and do not forget to share this article as support to keep updating various business information on this website. Thank you ! ☺