What Do You Know About What Is a Credit Card and Credit Card Types?

About Credit Card

What is a Credit Card Already know yet what is meant by credit card. Creadit Card or Credit Card is one of the means of payment of cash which makes it easier for consumers to pay a bill. However, payment by 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, the credit card used for online transactions such as buying products online, and so on. But, there is also a place offline which allows consumers to pay with CC, for example, like a Cafe, the Mall and others.

Credit card we can also interpret as a banking facility that can facilitate transactions of its customers. Its use is also very easy, we just need to swipe the credit card and membanyarnya when the bill arrives.

Terms apply for a credit card is usually a photocopy of ID card, salary slips, as well as photographs and other information that is considered important. However, there is also a good idea before you apply for a credit card at the bank, you must first understand what the credit card, the characteristics of credit card and other types of credit cards.

Types of Credit Card

Well, as does the other cards such as credit cards ATM card also has a variety of types, either Based on the function as well as by country. For more details, please refer to several types of credit cards with fellow below.

1. Credit Card

Credit Card is a type of credit card that can be used as one means of payment in a transaction or sale of goods or services where payment will be done at once or in installments with a certain amount. The installment amount will be calculated on the outstanding balance and monthly plus interest. Well, the bill last month will also be regarded as interest or retails interest which is principal for the next month.

2. Change Card

Change Card is a credit card that is also used to pay a buying and selling goods and services, where customers have to pay back the bill in full at the end of the month or the next month, be it with a surcharge or no extra cost.

3. Debit Card

Debit Card is a credit card that is different from the above two types of credit cards. Debit Card payments using the principle is in cash (cash), but not with cash, but payment is made by direct debit balances contained in the accounts of the owner of the card.

4. Cash Card

Card Card is a card that allows cardholders can withdraw cash tesebut directly, either at the cashier and in particular bank ATM machine located in all regions with a strategic location. Suppose the central place of the crowd like a coda, mall, caffe, hospitals and other places that are not lonely. However, this time in Indonesia alone to card types Cash Card all banks are already working, which means we can take the money in all bank ATM machine with a different cash card with the bank. But, admin fee may be a little bigger and different than the cash card to withdraw money at ATM machines the same bank.

5. Check Guarante Card

These types of credit cards have basically the principle as a guarantee in ceks withdrawal by the card owner. These types of credit cards are very popular in the UK and other European region. Aside from being a guarantee, this card can also be used as a card to withdraw money at ATM machines or nearly equal to the Cash Card.

Well, the above are the types of credit cards based on functionality and usability. However, other types of credit cards there are also types of credit cards by regions whose utility is also almost the same. Berkiut is KINDS credit card based on its territory.

1. National Credit Card (National Credit Card)

National credit card is the type of card that can be used and apply specific region. Suppose in Indonesia, this type of card can be used only region of Indonesia and does not apply to other countries unless it has a MasterCard. Examples of national credit cards Astra Cards, Hero, Golden Truly, and Garuda Executive Card.

2. International Credit Card (International Credit Card)

Credid Card types can be used and is applicable in all places in the world. The card also serves as a means of payment that can be used in all international markets which already supports this type of payment. Credit cards of this type are generally dominated by two brands, namely Visa and MasterCard. From both the dominance of the credit card until now already has more than 200 million consumers spread throughout all regions of the world. Below are the types of international credit card that can be used as a means of transactions around the world:

• Visa
• Master Card
• Dinner Club
• White card
• American Express

That's some kind of an international credit card that can be used as a means of payment and is valid in all countries. Hopefully with this article can add to our knowledge all in a familiar Credit Card with its types. If there is any question about a credit card, please ask in the comments field below and do not forget to share this article as a support to keep updating various business information on this website.

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