CREDIT CARD VS DEBIT CARD

CREDIT CARD VS DEBIT CARD!

Tunlai khawvel changkang ah mi in pawisa (cash) an keng
tren trun duh tawh lova, cash ken hi a him loh bakah
hausak deuh a pawisa ah tam duh phei chuan wallet/purse
a rit chak hle a, chuvang chuan mi tam takin an pawisa ip
ah pawisa an keng ta meuh lo, khawlaiah mi wallet/purse
chhar la $100 a awm chuan i vannei hle ani ang (i pekir leh
lo turah ngai ta ila).

A tlangpuiin cash hi $20-50 vel bakah
coins tlema zawng an keng a, a bak chu Credit Card leh
Debit Card ani tawh mai.
Credit Card leh Debit Card danglamna hrelo an lo awm
takin sawifiah zawk ila.

A plastic card pawh a in anga, card
ah Debit tih a inziak anih loh phei chuan a card ringawt
atangin hriat hran theih anilo, Mastercard leh Visa logo a
awm ve ve bawk sia.

A danglamna zawk chu kha card
hmanga pawisa i hman theih a zawk kha ania.

Credit Card
chuan card i neihna Bank te pawisa kha i hman apiangin i
puk tihna ania, Debit Card i hman erawh chuan nangma
pawisa, i bank account ami kha i hmang ani tihna.

Credit Card chuan limit a nei a, i income a zir te, i credit
history (ba i rulh that dan a zir) te leh i mamawh dan a zir
in i bank in Credit Card hmanga pawisa i hman puk theih
zat an bituk thin entirnan $5000 te.

Debit Card ah erawh
chuan Bank a i pawisa neih zat kha a limit ani mai.

Credit Card hi mi nazawngin an nei thei lo, hna mumal nei
lo te, kum tlinglo te, i awmna rama citizen/green card nei
etc te i nih loh chuan dan ang thlapa neih theih ani lo ang.

Debit Card erawh chu bank account nei tawh phawt chuan
an nei thei vek.

MasterCard, Visa, American Express hi enge?
MasterCard leh Visa hi chu Credit leh Debit Card payment
processing company an nia.

A awmzia chu card hmanga
thil i lei khan i thil leina te dawr a tang khan i card details
leh pawisa i hman zat kha Visa emaw, Master card
company te khan an lo buaipui anih ber chu.

Visa/
Mastercard company khan I bank hnenah i pawisa hman
zat a hriat tir anga, i Bank khan i thilleina te bank account
ah pawisa i hmanz at kha an va pe dawn ta ani.

MasterCard i hman chuan MasterCard company in i data a
process anga, Visa i hman chuan visa company in.

CreditCard issue tu kha Visa emaw, Mastercard emaw
nilovin i bank kha ania, i bank khan i thillei transaction ti tu
atan Mastercard leh Visa an hmang ve chauh zawk anih
chu.

American Express erawh hi chu tlemin a dang deuh a,
amah leh amah hi Bank ang ani nghal a, a card pawh
American Express in an issue ania, payment pawh an
process nghal bawk.

Chuvang chuan American Express
Card i hman chuan bank ami pawisa puk/hmang lovin
American Express company pawisa i hmang tihna anih chu
(tun hnu hian Bank thenkhat in Amex card an issue tan).

Hengbakah hian DinersClub te, Discover card te a awm
bawka, heng hi chu a lar lemlo bawka sawi thui lo mai ila.

Visa nge MasterCard nge American Express Card tha
zawk?
Hei zawhna awmzia hi chu Sony TV nge Panasonics TV
nge JVC tv tha zawk tih ang deuh ani.

A that dan chu i
card terms and conditions leh contract details ah khan a in
ziak ang. Pawimawh zual chu interest rate te, free interest
days te, Cash advance rate (atm ah pawisa i credit card
atangin la chhuak la a interest rate engzat nge) tih te ani,
Visa card rau rau pawh a in ang lo deuh vek a, mastercard
pawh a bank issue tu a zirin a in ang lo deuh vek bawka,
chuvang chuan fimkhur taka thlan a tul.

Visa Gold card chuan rewards points pawh a keng tel
maithei,travel insurance te pawh a keng tel maithei, mahse
interest rate 19% ani daih mai thei. Mastercard chuan
rewards a keng tello mai thei, mahse interest rate 12% lek
ani ve thung thei. Kha tiang zel khan a in that chhawk
(trade off) na lai a awm zela, mahni mamawh ber tur kha
thlan mai tur ani (hei hi Credit Card bikah anih chu, Debit
Card ah chuan MasterCard leh Visa a in ang vek!)
Credit Card leh Debit Card ka nei kawp a khawi zawk nge
ka hman ang?
Credit Card hi online transaction te, zinna ah te, thlawhna
ticket leh thil lian tham leina ah hman atha, a chhan chu i
lungawi lohvin leh mi in i credit card diklo takin lo hmang
ta se i Bank pawisa an/i hmang tihna ani, pawisa
pakhatmah i hloh lo.

Debit Card erawh chu thil lian tham
lem lo , entirnan restaurant ah te, chawhmeh bazarna ah
te, servo (petrol) ah te leh thil tenau neuh neuh leinan te
ATM atanga pawisa lak chhuah nante hman atha.

Debit Card i hmanin nangma pawisa i hman avangin mi in
diklo takin i card lo hmang ta se i bank account atangin
pawisa direct in an la chhuak nghal, i bank in muang
changin , achangchuan thla 2-3 chhung te investigation an
tih phei chuan rei tak nangma pawisa i hmang theilo tihna
ani thei, chubakah i pawisa pawh i hmu kir leh lo mai thei
bawk.

A sei ta ema duhtawk phawt teh ang. Any questions?