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5/3/11

So sánh thẻ ATM, Visa Debit và Visa Credit

Thẻ ATM hay còn gọi là thẻ nội địa 
Ưu điểm của loại thẻ này là sử dụng trên số dư tài khoản của mình, hay nói cách khác là sử dụng chính số tiền của mình bỏ vào tài khoản thẻ, nôm na là “tiền có bao nhiêu trong thẻ thì dùng bấy nhiêu”.

Tuy nhiên, chiếc thẻ ATM này chỉ rút được tiền mặt trên các máy ATM của ngân hàng phát hành hay của ngân hàng trong liên minh, thanh toán một số dịch vụ trên máy và thanh toán tiền mua hàng ở các máy trong nước, nếu đem ra nước ngoài thanh toán thì “bó tay”.

Muốn sử dụng được tại nước ngoài, chỉ có một cách duy nhất là sử dụng thẻ tín dụng quốc tế như Master Card, Visa Card…Nhưng muốn có chiếc thẻ quốc tế này, người sở hữu phải có một tài khoản tín dụng tại ngân hàng, tức khách hàng sử dụng tiền của ngân hàng chi tiêu trước và thanh toán lại cho ngân hàng sau, mà thông thường chỉ có những khách hàng “VIP” được sử dụng.

Thẻ Visa Debit (hay còn gọi là thẻ ghi nợ quốc tế) 
là loại thẻ mà bạn nộp bao nhiêu tiền vào tài khoản thì sẽ được dùng từng đó tiền. Khi giao dịch, tiền sẽ được trừ trực tiếp vào tài khoản của bạn tại ngân hàng đăng kí. Chiếc thẻ Visa Debit là sự kết hợp hoàn hảo của 2 loại thẻ Master Card, Visa Card, tức thẻ này sử dụng trên chính số dư tài khoản của mình như là thẻ ATM, nhưng lại có thể thanh toán toàn cầu như thẻ tín dụng quốc tế.
Thủ tục làm thẻ Visa Debit khá đơn giản. Bạn chỉ cần mang CMND đến ngân hàng, khai vào tờ form, đóng tiền làm thẻ (50k đến 100k), 1 tuần sau sẽ có thẻ (hoặc nhanh hơn nếu bạn đăng kí làm thẻ nhanh). Khi dùng, bạn cần ra chi nhánh của ngân hàng để nộp tiền vào tài khoản. Các ngân hàng phát hành thẻ Visa Debit thanh toán trên mạng tốt là Techcombank, ACB và Eximbank. Nếu làm, bạn chỉ nên làm thẻ của 1 trong 3 ngân hàng này.

Ưu điểm của Visa Debit: khi đến bất kỳ quốc gia nào. Chẳng hạn đến Mỹ, khi sử dụng có thể nộp tiền vào tài khoản thẻ là VND, nhưng khi đến Mỹ thì rút tiền mặt tại máy ATM hay thanh toán tiền hàng hóa dịch vụ là USD. Song khi về đến Việt Nam, số tiền sẽ được quy ra VND theo tỷ giá hiện hành để trừ đi trong tài khoản thẻ.
Visa Debit có thể mở được nhiều thẻ phụ: thẻ chính và thẻ phụ đều giống hệt nhau và đều sử dụng như nhau. Thuận tiện ở những chiếc thẻ phụ này là các bậc cha mẹ có thể chu cấp tiền cho con, nhất là con đi học nước ngoài, nhưng lại có thể quản lý được số tiền chi tiêu của con mình.

Thẻ Visa Credit (hay còn gọi là thẻ tín dụng)
là loại thẻ chi tiêu trước, trả tiền sau. Nghĩa là ngân hàng sẽ đứng ra thanh toán tiền cho bạn, tới cuối tháng bạn sẽ phải tới ngân hàng để thanh toán khoản tiền mà bạn đã dùng trong tháng đó. Thủ tục làm thẻ Visa Credit phức tạp hơn, yêu cầu bạn phải có chứng minh thu nhập tối thiểu là bao nhiêu đó...và nhiều yêu cầu khác

Kinh nghiệm sử dụng thẻ Visa Credit của HSBC:
Khi dùng thẻ để thanh toán, tài khoản sẽ không bị tính lãi nếu chủ thẻ hoàn trả đầy đủ khoản vay trong vòng 45 ngày --> phí vướt mức 0.06%/ngày
- Dễ dàng rút tiền mặt từ tài khoản thẻ tín dụng tại hơn 700 máy ATM của HSBC và Techcombank hoặc tại hơn một triệu máy ATM có biểu tượng VISA/PLUS tại Việt Nam và trên khắp thế giới. --> có tốn phí  từ 2-4%/số tiền rút thực tế
Lãi suất hàng năm ??? thẻ chính 300K, thẻ phụ là 200K; 

74 nhận xét:

anhluan nói...

bài này hay đó, duyệt. giúp ae có kinh nghiệm hơn trong việc sử dụng các dịch vụ ngân hàng, hehe. cố gắng phất huy đi thủm.

Thum nói...

Còn cái này nữa nè..
Hôm bữa thằng bạn dùng thẻ ATM nội địa của ACB chuyển khoản trực tiếp qua thẻ Visa Debit (cùng hệ thống) nhưng không được vì thẻ Visa Debit chỉ cho nộp tiền trực tiếp vô tài khoản thẻ...Không biết mấy Ngân hàng khác có giống vậy ko nhỉ?

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