Cách phân biệt thẻ trả trước và thẻ ghi nợ

Bạn có thể đăng ký mở thẻ trả trước mà không cần mở tài khoản ngân hàng. Đây chính là điểm khác biệt lớn nhất so với thẻ ghi nợ.

Các loại thẻ ATM của ngân hàng có 3 loại thẻ đó là thẻ trả trước, thẻ ghi nợ bà thẻ tín dụng và cả 3 loại thẻ này đều có thể thực hiện giao dịch được tại các cây ATM của ngân hàng.

Theo đó, có rất ít ngân hàng duy trì loại thẻ trả trước vì thế không nhiều người có thể tiếp cận, sử dung loại thẻ này nên thường có sự nhầm lẫn với thẻ ghi nợ. bởi vì cả 2 loại thẻ này bạn đều cần nạp tiền vào tài khoản của mình rồi mới có thể chi tiêu, thanh toán được.

Phân biệt thẻ trả trước và thẻ ghi nợ

Nếu bạn sử dụng thẻ trả trước ngân hàng sẽ gửi số thẻ, tên chủ thẻ, số CVV/CVC nếu có vào địa chỉ email của bạn, địa chỉ mà bạn đã đăng ký khi mua thẻ. Theo đó, thẻ trả trước ảo không phải là một thẻ vật lý mà bạn có thể “tay sờ, mắt thấy”, mà đây chính là một loại thẻ vô hình bạn chỉ có thể dùng được để mua hàng và thanh toán online.

Cách phân biệt thẻ trả trước và thẻ ghi nợ 2

Các ngân hàng phát hành loại thẻ trả trước

Hiện tại có 4 ngân hàng đang thực hiện phát hành thẻ trả trước ảo đó là: ngân hàng Vietinbank, LienVietPostbank, ngân hàng VPbank và ngân hàng Sacombank. Bạn có thể dùng thẻ này để mua hàng online, thanh toán hàng hóa trực tuyến nhưng không thể dùng để thực hiện các quảng cáo trực tuyến như quảng cáo Google, Facebook. Số tiền mỗi lần nạp không quá 5 triệu đồng vào tài khoản của bạn.

Cách phân biệt th 1ẻ trả trước và thẻ ghi nợ

Hiện nay, tất cả các ngân hành đều phát hành thẻ ghi nợ do đó bạn có thể coi nó như một sản phẩm đặc trựng của ngân hàng đó. Và tùy thuộc và từng ngân hàng mà sẽ tích hợp nhiều hay ít tính năng cho các sản phẩm thẻ của họ ví dụ như có thể rút tiền tại ATM mà không cần thẻ,…..

Nếu bạn là một người hay chi tiêu, mua sắm và thanh toán online thì có thể mua thẻ trả trước cho mình chi tiêu thuận tiện. Và bạn còn có thể mua thẻ trả trước để tặng người thân.

Tuy nhiên, ngoài 2 loại thẻ này bạn cũng có thể tham khảo và mở cho mình một loại thẻ tín dụng để tiến hành thanh toán, mua hàng online, thanh toán trực tuyến thuận lợi hơn. Bởi vì khi sử dụng thẻ tín dụng bạn còn được hưởng rất nhiều ưu đãi, khuyến mãi, voucher giảm giá đến 60% tại nhiều trung tâm thương mại, thương hiệu, nghành hàng dành riêng cho khách hàng thanh toán bằng thẻ tín dụng.

Hơn nữa, bạn cũng có thể rút tiền mặt từ thẻ tín dụng thuận lợi, nhanh chóng.

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