Trade is already there in all human life. The shape is just different. At one time the trade is done with the barter system, ie to exchange one item with other items.
Next start held a means of exchange to facilitate this trade. After changing the medium of exchange, then the money becomes a medium of exchange that is most appropriate. Along with the times, there are the cards such as credit cards, debit cards and shopping cards to facilitate the transaction.
Credit Card, Debit Card and Shopping Card
Credit cards issued by the bank provides the convenience of shopping for their owners. With a credit card, one can buy goods but pay later. Pay her in installments with no interest payments are relatively mild.
Seductive, facilitate, but often trap consumers who are less wise into consumptive. Worse, consumers like this would easily into debt because it is so easy to swipe a credit card regardless of ability to pay.
Debit cards are also issued by the bank. The difference, shopping with a debit card is the same as paying cash for direct pull of the balance of savings in the bank.
In contrast to credit cards and debit cards, shopping cards not issued by banks. This shopping card issued by issued by retail companies.
Not only large retailers such as Carrefour, Makro or Rimo card issuing this spending, but also lower class retailers such as the Sun and Yogya Department Store.
Such as Alfamart minimarket, Indomaret, and Yomart scattered throughout the city, even down to the residential suburbs was not to be outdone in this shopping card issuer.
Some people there who feel proud of themselves if they have a credit card. Even to the possessed more than two credit cards. So what exactly is the understanding of the credit card itself, instead of before you intend to make a credit card. And charge the credit card form.
In this article would be lowered two meanings and understanding about credit cards. The first is according to the dictionary definition of the Arab economy, which explains the credit card is similar to a special card issued by the bank in charge of the card, then the amount will be paid later.
In a sense, the bank will give the customer a monthly account globally to be paid, or directly debited automatically from accounts that are still functioning. (By Ahmad Zaki Badwi, 1984, p 62).
The second notion, was based on Expert Dictionary, which states that the credit card is issued by the bank, which allows for the bearer of the card to purchase goods needed in debt.
Another understanding of the credit card is a means of shopping with a possible delay of payment for the purchase of goods and payment of services. And those who contribute to the mechanism of issuance of credit cards are.
From the above understanding is clear what the meaning and understanding of the actual credit card. Namely as card debt. That is, for those who obtain a credit card from the bank, you are given the opportunity to go into debt with a nominal amount that has been set according to the type of the card. That the debt will be charged in the next time.
Conditions like this will be very good for those of you who are plunged into the world of business or entrepreneur who has the right to issue any calculation koceknya. Because it can be used quickly and efficiently when at certain times you really need to pay some bills, buy some goods or debiting a number of purposes.
On the contrary, for those who do not have any interest in a business or trying to, your credit card will turn into a boomerang for your own. Because credit cards are only issued to fund a number of expenses into your lifestyle, and not for business.
Because it was thought two or three times before you decide to make a credit card, is a wise move for the sake of your personal finances and family economics. Do not make an ease of transaction into your trappers into a lifestyle, and not because it is based on the requirement.
This shopping card offers various facilities, among others:
Practical and do not need to bring a lot of money if you want to buy.
Can pay in installments as well as credit cards.
Can be a means of payment in cash as well as debit cards (formerly necessarily have to deposit or save some money at the retailer in question).
Can obtain discounts for the purchase of certain products.
Can obtain discounts for shopping, dining, vacation, or stay at certain merchants.
Can make purchases over the phone.
Can participate in various competitions and contests are conducted by the retailers concerned.
Accident insurance
Insurance dengue
This ease of bid is not always the same from one retailer to another retailer. There is a shopping card which only give a discount, some are giving credit facility. There were only to shop, but there also provides insurance protection.
Ease acquire shopping card, the more so that functions like a credit card still must be addressed wisely and carefully. Not wise take advantage of shopping card would only complicate the holder of the card itself.
If you have or are interested to have a shopping card that also functions as a credit card, we recommend:
Notice how many per cent interest to be paid.
Learn what facilities are provided and adjust to the needs.
Discipline pays or installment payment so that the bill does not swell due to interest and penalties.
Limit your shopping card ownership of one or two retailers alone. Too many have shopping card can make the owner to become the consumer and result in debt bondage.
Note Discount Credit Card or Shopping Card
Each bank did not provide the same credit card discount. When the BNI through its newsletter to expose a lot of credit facility and a rebate of up to 100% on certain purchases, CIMB Niaga is not too much to give this facility a credit card discount.
CIMB Niaga only provide convenience to get a BlackBerry with a 0% installment and annual fee. That also applies at the time of application of a credit card at a certain period only.
However, CIMB Niaga is working with several vendors of electronic goods that will provide low interest rate and a certain discount for cardholders CIMB Niaga. For credit card holders CIMB Niaga domiciled in Palembang, it seems not too many places that give discounts this credit card.
For clients who live in Jakarta and cities in other Java island, maybe they can get a bigger discount. This may be due to the limited number of customers CIMB Niaga in Palembang. One discount credit card that can be obtained by CIMB Niaga credit card holder is 3% discount for Travel Service.
Another convenience that can be felt by card holders loans. In addition to credit card can be used to pay various bills, such as electricity, telephone, internet and TV subscription, this credit card will give you the comfort of airport lounges.
However, this only applies to the Platinum Card holder, Infinite and World Card. A comfortable lounge area which can be enjoyed in all airports in Indonesia.
Danamon also provides reward points to customers who shop using his credit card. Each Rp1000 will earn reward points. These points can be redeemed for certain prizes. However, this reward points only apply for a credit card Danamon Manchester United, Titanium, Platinum, Infinite and World Card only.
Similarly, brief description of the product a bank credit card. It turns out discount shopping cards provided by each bank is different, according to his needs. Hopefully this information useful.
Having a shopping card has become its own prestige for some people. However, the pursuit of prestige being offset by the ability to control themselves just plunge the problem.
Understanding Credit Card
Some people there who feel proud of themselves if they have a credit card. Even to the possessed more than two credit cards. So what exactly is the understanding of the credit card itself, instead of before you intend to make a credit card. And charge the credit card form.
In this article would be lowered two meanings and understanding about credit cards. The first is according to the dictionary definition of the Arab economy, which explains the credit card is similar to a special card issued by the bank in charge of the card, then the amount will be paid later.
In a sense, the bank will give the customer a monthly account globally to be paid, or directly debited automatically from accounts that are still functioning. (By Ahmad Zaki Badwi, 1984, p 62).
The second notion, was based on Expert Dictionary, which states that the credit card is issued by the bank, which allows for the bearer of the card to purchase goods needed in debt.
Another understanding of the credit card is a means of shopping with a possible delay of payment for the purchase of goods and payment of services. And those who contribute to the mechanism of issuance of credit cards are.
As the tool is not Lifestyle
From the above understanding is clear what the meaning and understanding of the actual credit card. Namely as card debt. That is, for those who obtain a credit card from the bank, you are given the opportunity to go into debt with a nominal amount that has been set according to the type of the card. That the debt will be charged in the next time.
Conditions like this will be very good for those of you who are plunged into the world of business or entrepreneur who has the right to issue any calculation koceknya. Because it can be used quickly and efficiently when at certain times you really need to pay some bills, buy some goods or debiting a number of purposes.
On the contrary, for those who do not have any interest in a business or trying to, your credit card will turn into a boomerang for your own. Because credit cards are only issued to fund a number of expenses into your lifestyle, and not for business.
Because it was thought two or three times before you decide to make a credit card, is a wise move for the sake of your personal finances and family economics. Do not make an ease of transaction into your trappers into a lifestyle, and not because it is based on the requirement.
Utilizing Shopping Card
This shopping card offers various facilities, among others:
Practical and do not need to bring a lot of money if you want to buy.
Can pay in installments as well as credit cards.
Can be a means of payment in cash as well as debit cards (formerly necessarily have to deposit or save some money at the retailer in question).
Can obtain discounts for the purchase of certain products.
Can obtain discounts for shopping, dining, vacation, or stay at certain merchants.
Can make purchases over the phone.
Can participate in various competitions and contests are conducted by the retailers concerned.
Accident insurance
Insurance dengue
This ease of bid is not always the same from one retailer to another retailer. There is a shopping card which only give a discount, some are giving credit facility. There were only to shop, but there also provides insurance protection.
Ease acquire shopping card, the more so that functions like a credit card still must be addressed wisely and carefully. Not wise take advantage of shopping card would only complicate the holder of the card itself.
If you have or are interested to have a shopping card that also functions as a credit card, we recommend:
Notice how many per cent interest to be paid.
Learn what facilities are provided and adjust to the needs.
Discipline pays or installment payment so that the bill does not swell due to interest and penalties.
Limit your shopping card ownership of one or two retailers alone. Too many have shopping card can make the owner to become the consumer and result in debt bondage.
Note Discount Credit Card or Shopping Card
Each bank did not provide the same credit card discount. When the BNI through its newsletter to expose a lot of credit facility and a rebate of up to 100% on certain purchases, CIMB Niaga is not too much to give this facility a credit card discount.
CIMB Niaga only provide convenience to get a BlackBerry with a 0% installment and annual fee. That also applies at the time of application of a credit card at a certain period only.
However, CIMB Niaga is working with several vendors of electronic goods that will provide low interest rate and a certain discount for cardholders CIMB Niaga. For credit card holders CIMB Niaga domiciled in Palembang, it seems not too many places that give discounts this credit card.
For clients who live in Jakarta and cities in other Java island, maybe they can get a bigger discount. This may be due to the limited number of customers CIMB Niaga in Palembang. One discount credit card that can be obtained by CIMB Niaga credit card holder is 3% discount for Travel Service.
Another convenience that can be felt by card holders loans. In addition to credit card can be used to pay various bills, such as electricity, telephone, internet and TV subscription, this credit card will give you the comfort of airport lounges.
However, this only applies to the Platinum Card holder, Infinite and World Card. A comfortable lounge area which can be enjoyed in all airports in Indonesia.
Danamon also provides reward points to customers who shop using his credit card. Each Rp1000 will earn reward points. These points can be redeemed for certain prizes. However, this reward points only apply for a credit card Danamon Manchester United, Titanium, Platinum, Infinite and World Card only.
Similarly, brief description of the product a bank credit card. It turns out discount shopping cards provided by each bank is different, according to his needs. Hopefully this information useful.
Having a shopping card has become its own prestige for some people. However, the pursuit of prestige being offset by the ability to control themselves just plunge the problem.