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C bao nhiu loi th tn dng?

1- Charge Card - hay cn gi l department store card , bao gm tt c cc loi th tn dng cp pht bi cc cng ty bn l nh : Sears, JC Penney, Macy' s, Target, K-Mart, v.v., loi th ny hn ch cho php ngi khch ch c x dng, mua hng trong tim ca cng ty cp th m thi. V d th Sears ch nhn cc tim ca Sears, khch hng sang tim khc mua th khng th tr tin bng th Sears c. 2- Gasoline Card - Hay th xng nh : Texaco, Shell, BP ( British Petroleum ) Chevron v.v., . Loi ny cng tng t nh loi Department Store Card , khch hng ch x dng d d xng ti cc cy xng v mua n vt do cy xng ca hiu bn m thi . V d bn cm th ca hng Shell th ch xng v mua qu vt Shell m thi Ngy nay hu ht cc cng ty bn l cua Hoa K ( t giy dp y phc, n trang cho n TV , my tnh ) u c chng trnh mua tr gp bng cch cp pht cho ngi tiu dng 2 loi th trn . Tin li ca 2 loi ny c tnh rt cao ( t 19.99 --> 26.99 % /nm ) m credit line ( hay s tin c th mua thiu li khng nhiu $300 -- $3000 ) . Tuy nhin nu bn cha c tn dng , th y l 1 trong nhng cch khi u to tn dng, bi v nhng cng ty ny h cu xt 1 h s xin th rt d dng, min sao bn ng c tn dng qu xu . C 2 loi trn bn khng phi tr tin l ph hng nm annual fee

3- American Express: A- Regular American Express Card L loi th thng c mu xanh l cy m. Nu bn khng c nhiu tn dng tt ( good credit ) v c li tc thp th khi xin h s cp cho loi ny. Credit line th khng gii hn, tu theo s tin bn c trong trng mc ngn hng ( checking account ). loi ny bn phi tr l ph hng nm rt cao ( khong $79 USD

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1 nm ). Ho n c gi cho bn mi thng v phi tr ht 1 ln . V d trong thng va ri bn xi $500 th phi tr ht 1 ln $500 . B- American Express Gold Card: iu kin l bn phi c li tc trn $30,000 USD/ nm. Cch x dng cng tng t nh loi trn C- American Express Platinum Khc vi 2 loi trn loi ny ch dnh cho nhng khc hng c u i m thi ( prefered custumer , by invitation only ) s tin ch nh c tiu xi ln ti $100,000 USD m khng i hi khch phi c tin trong ti khon ngn hng . Bill vn phi thanh ton 1 ln nh 2 loi trn V s cnh tranh ca cc loi th tn dng khc , v do khch hng phn nn v s bt buc phi tr ht 1 ln v b khng x dng the American Express thng thng na , American Express mt dn 1 s lng ln khch hng , cho nn AE cng thay i l li kinh doanh . American Express cho ra i th OPTIMA , the ny cho php CARDHOLDER ( ngui c the AE ) tr gp hng thng , v h tnh tin li ( Interest charge ) . Th ny rt thnh cng v em li cho American Express 1 ngun li tc ng k . Sau AE cho ra i thm loi th American Express THE BLUE ng thi cng cho khch hng thm 1 s la chn khi xin th l charge card hay credit card ( ngha l tu ngi xin la chn loi th c tr ht 1 ln, hay tr gp hng thng , loi tr gp th c mc n nh s tin tiu xi ( pre-set spending limit ). Tt c cc th American Express ngy nay u c 2 loi OPTIONS k trn . CHARGE CARD ( paid infull each month ) [Consumer Cards American American American American Express* Express* Express* Express* Reward Green card Prefered Reward Green Card Reward Gold Card Prefered Reward Gold Card

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American Express* Reward Plus Card Platinum Card * [ONE Financial Account Cards American Express* Prefered reward Gold Card American Express* Gold Card Platinum Card * Fidelity Cards Fidelity American Express* Gold Card Fidelity American Express* Platinum Card Visa & Mastercard

Hai loi th ny c th ni l ging nhau , ch khc tn gi . y l loi th thng dng nht & c khch hng a chung nht t xa ti nay . Loi th ny c cc tt c cc doanh nghip chp nhn ( bn c th ti bt c ca hng bn l , cy xng, hng my bay, ngn hng , tim n, trn mng v.v., ) mua hng hoc rt tin mt ra . ( quabg3 co ca American Express lc trc c cu " Don' t leave home without it " Nhng VV thy cu ny ng vi VISA & MASTERCARD hn , v vn cn nhiu ca hng khng nhn AMERICAN EXPRESS ( L do c l ph dch v ca AE cao hn ) . Loi th VS & MC cho php ngi dng ( cardholder ) mua hng hay rt tin mt ra rt d dng .

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CC LOI TH VISA & MASTERCARD

Regular Visa & Mastercard : Credit line bt u t khong $500 USD ti vi ngn USD loi ny dnh cho ngi c s im tn dng thp ( credit score)hoc mi bt u to tn dng . L ph ca loi ny tng i cao ( khong $39/ nm )

Gold Visa & Gold Mastercard Credit line bt u t $5000 USD tr ln . a s cc ngn hng u min l ph hng nm ( nu ngn hng no c tnh tin ny th khong $50 USD/ nm

Platinum Visa & Mastercard Loi ny thng l dnh cho nhng ngi c s im tn dng cao ( khong 730 im) v c li tc hng nm tng i cao . Credit line bt u ti thiu l $5000 USD/ tuy nhin bt u $10000 USD l thng thng Secure Visa & Master Card Dnh cho nhng ngi khng c tn dng hoc tn dng xu . Bn phi t cc ( deposit ) tin vo ngn hng . credit line bng vi s tin bn deposit trong trng mc Student Visa & Master Card Nh tn gi dnh cho sinh vin, credit line khng nhiu khong vi trm tr ln

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Affiliate Credit Card Loi ny l do ngn hng hp tc vi cc cng ty , hay ca hng cp pht cho khch hng, Ngy nay a s khch hng thch loi ny v c nhiu iu li, chng hn nh c rebate, hoc cash back, hay min ph v my bay v.v., ATM & CHECKCARD L th nh bank ( th rt tin my) ATM ( Atomated Teller Machine ) vi hnh biu tng VISA/MASTER CARD trn th . Loi ny l s phi hp gia ATM & secured credit card , va x dng nh 1 th rt tin , v nh 1 credit card . S tin chi tr c khu tr lp tc trong trng mc ngn hng ca bn . Tn gi chung cho loi th ny l check card , bt c ai cng c th xin loi ny, creline bng vi s tin bn c trong bank, khi x dng loi th ny( for ATM transaction), nu rt tin my khng phi l ca ngn hng mnh th bn s b charge khong $1.00 ->$3.00 USD cho mi ln xi . ( Cu hi thng thng ca nhng ngi bn hng hi bn , mi khi bn tr tin bng th ny l ATM or CREDIT , bn ni ATM th s b tnh thm $1.00 , cn ni CREDIT th khng b g ht.

DINERS CLUB DINER SCLUB CARTE BLANCH DINERS CLUB THE MONTAGE CARD Th Diners Club ni chung cng tng t nh Visa & Master Card v American express , Tuy nhin c l v l ph dch v hi cao hn nhng loi khc nn khng c cc ca hng chp nhn rng ri . Cc ca hng sang trng u nhn loi th ny . Cc bn mun bit chi tit hn ca loi ny th c th vo website www.dinersclub.com

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JCB - JAPAN CREDIT BUREAU :

Th JCB c t khong nm 1961 , cng tng t nh cc loi credit card ca M .

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