Credit and Debit Card

Credit card
Conclusion is simple. You can get money or get goods you need immediately with credit card and you can delay pay money back to institute of your credit card maximum 55 days. And credit card is international card you can use credit card almost all country that support credit card. Do you think great ? :)

Profits of credit card

• In some case you don't have enough money for goods or service you can use credit card for that. It simple and world wide in most country. You can take money and pay back later until end of due with no interest too.
• Have many promotion. Either discount such as gas, foods , goods, some service , etc.
• It same backup money when emergency case.
• You can use credit buy goods or service on internet. It very easy and use less time.
• You don't pay cash for buy goods or service.
• When you need to foreign land. You don't need a lot of money. Just simple use single credit card that enough

Disadvantage of credit card

• If you loss control your credit card you may be have a lot of debt.
• Credit card have a fee and interest. You must take care for it.
• Stolen credit card easy beware it.
• Credit card have send data to credit bureaus for 24 month later. If you bad for pay debt it will record to credit bureaus too. That make all Financial institute which got credit bureaus record known about your financial status.  

Debit Card

• Many of bank when you got ATM card. You got debit serivec too. The Debit is mean when you buy goods or service you can use ATM card for pay it same credit card. But have some point it different between credit card and debit card. It is debit it relate with bank of your ATM card. If money in bank of your card account is not enough to buy goods or service. You will not take goods or service. which different credit card. For credit card it not relate with bank account. You can take goods or service. and then pay back later.

Profits of debit card   

• Easy control than credit card. That make you into debt is harder than credit card
• Don't take a lot of cash. Because you can buy goods or service with debit card.

Disadvantage of dedit card

• Cannot use buy or service on internet (other country)
• You can buy goods or product at cost maximum of money in bank account.

Cheat Credit Card 2

Cheat Credit Card 2

Another friend has dinner in the restaurant, Then pay with a credit card.Waiter has card to cashier and get back to him. But he check the card. The card is not friend  is other people with color and shape include bank is same friend but card is expired. First time friend is think cashier is don't intention.

Then call waiter for wrong credit card. However the waiter is not surprising about that waiter take card to cashier and cashier is not surprise too just take friend card and nothing to say.

Waiter take card to friend and said sorry.

Lessons from this case.
I think that it's a good card to check for sure.
Here are some more suggestions.

1. Don't let credit card a way from your eye when you pay with credit card

2. Check credit card every time when you receive back from anyone.

3. Trying to make a credit card that has the unique.The Photo Card with your dog is a cat on the card, the card has a little chip, have a sticker on my card.

kman

Charge Card and Credit Card

Charge Card and Credit Card

Credit Card
When you don't have a lot of money for buying anything. Credit card will help you. Which you don't need to pay all cost product that you buy, you can pay some money in next month. And each financial institute have different in duration free interest. Which between 30-60 days. Good thing you can pay in 2 term with no interest cost.

Charge Card
A charge card is a card that provides a payment method enabling the cardholder to make purchases which are paid for by the card issuer, to whom the cardholder becomes indebted. The cardholder is obligated to repay the debt to the card issuer in full by the due date, usually on a monthly basis, or be subject to late fees and restrictions on further card use.

Different between charge card and credit card

Charge card you need to pay full debt in due date typical you don't need to pay for interest  . But credit card you don't need to pay full debt in due date. You need to pay some payment or fix payment which define rate by financial institute. Please choose the right card for full benefit

Cash Revolve and Credit Card

Cash Revolve and Credit Card

Some one maybe don't know the different between cash revolve and credit card. Let's go learn about the  different between them. We try to take information of different between them and list it to below section

Refer from Thailand

-	Salary-based application.	Credit Approve	Cash advance fee	Minimum Payment	Interest
Credit Card	>=15000	>=2 x Salary	3%	10%	20%
Cash Revolve	>=10000	>=5 x Salary	None	5%	>=20%

Credit Card
Intended for use on a daily basis. Without the burden of carrying cash. And have the points when you buying with credit card. To reward them. Buf if you use a withdraw cash from credit card it have a cash  advance fee add on too.

Cash Revolve
You can use it for a lot of cash from cash revolve. (Most of cash revolve approve money a lot more than credit card approve) . But it just only cash from cash revolve which not have point reward as credit card. That you should be cash revolve when you need to use a lot of money when over credit card limit.

Conclusion
Credit card is suit able use on daily basis. Because you don't need carry a cash and have the points (with a larger points you can get greater reward) when you buying with credit card which cash revolve doesn't have.
Cash revolve is suit able for emergency case when you need a lot of money. When credit card cannot offer.

kman

Cheat Credit Card1

Cheat Credit Card 1

A friend has took the fitness service, and took the suitcase and wallet in the locker. When the fitness completed. Back to the locker was found it open.He think before fitness locker is closed. He wear suit and get check in your wallet. Money is not lost and all credit card too.He think it not a matter.

He think forget to close locker because if someone breakout the locker it should be lost all money and credit card. But several week later when credit card statement is come. It turns spending. Only four thousand dollar! He call to the bank immediately, "I never thought that I would spend them."  The Bank will also check that the system's not fault. "Your spend it." and said "Please check your credit card is stolen or not". Friends told me to park it. "I still get the card". Then friend open their wallets to view card. He found someone other credit card too. Bank cards do the same. It expired I was stolen from open locker then replace with other credit card at fitness previous.

When friend not notify to the bank. The bank is not record to the system that mean. Card owner will be liable to pay the balance.


Lessons from this case.
I think that it's a good card to check for sure.
Here are some more suggestions.

1. Do not have a lot of credit card. Choose the best service 1-2 cards.

2. Trying to make a credit card that has the unique.The Photo Card with your dog is a cat on the card, the card has a little chip, have a sticker on my card.

3. In Thailand, a stolen credit card.The owner of the card and I was still critical.Is rarely used in Thailand. To steal the moment.The card will be realized as long as possible. And the current network.It is a fraudulent credit card to Inter's copy.Card information to them in other countries.


kman

knowledge credit card numbers

Knowledge credit card numbers

With credit card number. Is different each card that mean. A person's credit card number is not repeated in any credit card in the world. Because credit card number is unique identification number. Let we see about standard of credit card number is generate.

International Standards Organisation (ISO/IEC 7812-1:1993) and the American National Standards Institute (ANSI X4.13). Has define credit card numbering specification.
The first number of your credit card number is call MII (Major Industry Identifier), which represents the category of entity which issued your credit card. Different MII digits represent the following issuer categories:

MII Value	Issuer Category
0	ISO/TC 68 and other industry assignments
1	Airlines
2	Airlines and other industry assignments
3	Travel and entertainment (such as American Express and Diners Club)
4	Banking and financial (Visa)
5	Banking and financial (MasterCard)
6	Merchandizing and banking (Discover)
7	Petroleum
8	Telecommunications and other industry assignments
9	National assignment

The last digit of your credit card number is a check digit, it taking for checksum. The algorithm used to arrive at the proper check digit is called the Luhn algorithm


Example Some of the better known issuer identifiers are listed in the table below:

Issuer	Identifier	Card Number Length
American Express	34xxxx, 37xxxx	15
VISA	4xxxxx	13, 16
MasterCard	51xxxx-55xxxx	16
Discover	6011xx	16
Diner's Club/Carte Blanche	300xxx-305xxx, 36xxxx, 38xxxx	14

Nowadays technology increased very rapidly in many ways to identify the theft. The work of the free credit card numbers is strictly for academic purpose and also used in ecommerce experiments. Use credit card numbers in honest manner. Some free credit card numbers are purposely given to get hold of people who use it for their benefit. When a person using others credit card numbers it is an unethical offence. Using a working free credit card is a punishable offence. Internet service provider can easily identify the involved person. Once identified police can arrest him and prison him for remaining life. So an average percentage of people started using credit cards in a good way.


kman

Technique Credit Card

Technique Credit Card

Benefit of credit card

This time we will try to take advantage of credit card and i have some example using credit card every day in life. Let's see it. It will be a trigger line that we can use credit cards to benefit . Example

• Gas charge. Many gas station can accept with your credit card please check the benefits before refuel 
• Water supply. 
• Electricity cost. 
• Shopping supermarket
• Food and entertainment.

As you can see. It have many benefit from using credit card. You can use credit card for that but please check benefit of credit card. Because each credit card may be different benefit.

Above is the benefit of using credit card. Now we look for below in beware of credit card

Beware of credit card

• Do not withdraw cash with a credit card. Because card will be charged 3% of the amount drawn. You can find the other way such as call to credit card and let it transfer to your bank account. Which you may be not lose card charged and you can determined period time to pay off credit card debt.
• Try paid in full. There are no outstanding balance. You will not have to pay interest on credit cards. (Card interest. Credit at a rate of 20% per year).
• Do not be later than the date of payment. If you pay late payment penalty fee and show in history. Payment (reduce you credit)
• Not a charge on your credit card. Some shops charge up to 3-5% should be buying each other. No charge will be better.

kman