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Vyara Karapachova
Margherita Salaroli
Credit Card
Key points
➢ What is a Credit Card?
➢ Structure of Credit Card
➢ Key players
➢ Choosing the right Credit Card
➢ Funding and Fees
➢ Advantages and Disadvantages of
Credit Card
What is a Credit Card?
Back Side
Key Players
Choosing the right Credit Card
★ Check the fees and interest. Narrow down ★ Reward credit card
the options and review the credit card ★ Balance transfer credit card
pricing.
★ Low interest rate credit card
★ Compare similar credit cards. Compare
the interest rates, fees, rewards, and ★ Premium credit card
perks of credit cards from various credit ★ Student credit card
card issuers.. ★ Retail credit card
★ Know your credit rating. The credit history ★ Standart
will play a major role in approving for a
credit card..
★ Once chosen a credit card, complete the
credit card application online and find out
whether you' are approved within minutes.
Funding, Fees & More
Fees APR
❏ Annual fee ❏ The interest rate is
❏ Late fee expressed as annual
❏ Balance transfer fee percentage rate(APR)
❏ Cash advance fee ❏ For purchases
❏ Finance charge ❏ For balance transfers
❏ Foreign transaction fee ❏ For cash advances
❏ For penalty
❏ Grace period-20/30 days
To Merchants: To Merchants:
● Guaranteed payment ● Retailers required to pay fee and
● Lessens the security risk of holding cash services at an agreed % of their cards
To Banks:
● Source of revenue To Banks:
● Risk of bad debt
● card renew fee
● Risk of Fraud
● interest charged to customers
Tarjeta de débito
cajero en el extranjero?
Se puede pagar a plazo? Permite pagar en mensualidades con No permite pago a plazos.
o sin intereses.
Edad requerida Ser mayor de edad hasta 70 años Antes de los 18 años se puede
aproximadamente. aperturar con el aval de los padres o
tutores. A partir de los 18 años puede
obtenerse sin restricción de edad.
Bibliografía tarjeta de débito y crédito
➔ https://economipedia.com/definiciones/diferencia-entre-tarjeta-de-credito-y-debito.html
➔ https://blog.kardmatch.com.mx/que-es-una-tarjeta-de-debito
➔ https://www.rankia.com.ar/blog/mejores-tarjetas-credito-debito-argentina/4337002-cual-limite-pago-tarjeta-debito
➔ https://www.rankia.cl/blog/mejores-tarjetas-credito-debito/3901372-como-cancelar-pago-tarjeta-debito-credito#titulo2
➔ https://www.economiaparati.com/categorias/financiacion/ventajas-e-inconvenientes-de-las-tarjetas-de-credito-y-debito/
➔ https://www.economiasimple.net/tarjetas-de-debito.html
➔ https://www.economiasimple.net/tarjetas-de-debito-todo-lo-que-debes-saber.html
➔ https://www.kelisto.es/tarjetas-credito/consejos-y-analisis/que-comisiones-tendras-que-pagar-cuando-uses-tu-tarjeta-en-el-extr
anjero-4225
➔ https://handsonbanking.org/youngadults/getting-started/learn/the-parts-of-a-debit-card/?lang=es
➔ https://www.thebalance.com/using-credit-cards-4073400
➔ https://www.cardfellow.com/blog/how-credit-card-processing-works/
➔ https://www.creditcards.com/credit-card-news/help/types-of-credit-cards-6000.php
➔ https://www.thebalance.com/parts-of-a-debit-or-credit-card-front-and-back-315489
➔ https://www.centurionpaymentservices.com/how-credit-card-processing-works/
➔ https://www.bankrate.com/glossary/c/credit-card/