pros and cons about credit card
DESCRIPTION
Presentation English About Credit Card Senior High School Grade 12TRANSCRIPT
CREDIT CARD “Pros and Cons about Credit Card”
OUR GROUP
1. Ari Rizkia2. Dicka K.3. Irkham F.4. Krisna F.5. Nurul Fajri6. Zahra Fattah
DID YOU KNOW?
Credit cards are no longer a rare item again now. Look at
everyone who shopped to major malls, many of them often use
credit cards as means of payment. Credit card payments are the
tools that are prevalent in some of our communities and even
credit card trend is already a way of life. Credit cards even
provide additional opportunities for consumers to get the ease
of the user in both the transaction and the payment scheme can
be repaid.
ACTUALLY, WHAT IS A CREDIT CARD?
According to the Expert Dictionary is defined:
“Card issued by the bank and the like to allow the
bearer to purchase items needed by debt.”
HOW TO MAKE A CREDIT CARD
To make a credit card too, is quite easy, you
just need to come to the bank, meet with
customer service, then you just wait a few
days and your credit card can be used. Pretty
simple and easy is not it?
SO WHAT ARE THE ADVANTAGES OF CREDIT CARDS?
1. Credit cards can be used to facilitate the payment so that we do not need to bother carrying cash.
2. Credit cards can be used to collect all forms of expenditure in the bill so that the time that we can spend more efficiently. Even some credit cards that have the facility to pay for routine expenses, such as telephone bills, electricity bills, and water bills.
3. Credit cards can also be used to record our expenses on a regular basis making it easier for us to manage the family finances.
4. Credit cards can also be used to save our expenses, such as hotel room discounts, dining discounts at restaurants, or shopping discounts.
5. No need to carry cash everywhere who would harm us.
6. Expenditures will be listed clearly in a checking account can be used for cross checking at home at the end of the month.
7. A credit card gives health insurance services,travel, theft, or damage to the goods purchased with the card (to be discussed at the bank at the time of the transaction).
8. Ownership international credit cards facilitate your trip abroad.9. At the bank, the consumer may have additional cards for your
spouse or child (for a single account), either the card is identical to the true identity and the pin number of the same or different additional card numbers and the true identity of his pin number.
10. Can conduct transactions via the Internet (be careful in choosing the website).
HOWEVER, CREDIT CARDS ALSO HAVE
SOME DISADVANTAGES THAT NEED TO BE
CONSIDERED1. When business transactions conducted on the internet, so if the seller
is dishonest, card holders will receive payment from the bank concerned, but he did not send the items we order.
2. If we need money or want to spend more than ability, we can still use the card, but that is often overlooked by consumers is the percentage of consumer credit interest rates are very high.
3. Exchange value of money is determined by the issuing bank, so the bank is sometimes rather arbitrarily giving an average daily value of the exchange of money.
5. Not to deal with debt collectors who often used by the Bank in Indonesia to collect the debt. It could be any household will be taken at the time of billing.
6. At the time of taking cash from an ATM, the fee charged is directly capture the amount of about 30 to 40 thousand (depending on the institution publisher).
7. Administrative burden and interest expenses are too high if done at an ATM withdrawal.
8. Payments per year which is quite expensive, including the additional payment for taking money out of the country, including internet transactions on websites abroad.
RECOMMENDATION
After observing the advantages
and disadvantages of credit cards, we
as consumers are expected to
investigate thoroughly before making a
decision to have a credit card. Do not
get the advantages possessed by the
credit card offer gives even disastrous
in the future. It is expected also that
consumers may be wise in the use of
the credit card function itself
“SAVE YOUR MONEY AND GET OUT OF DEBT”
TODAYS VOCABULIARIESWord Type Means
OverseasPurchaseUnexpected
MercandiseDetrimentConvenienceDisadvantagesContinouslyCarryFavorable
AdjN
Adj
NNNN
AdjV
Adj
Luar negeri, seberang lautPembelianTidak diduga-duga, disangka-sangkaBarang daganganKerusakan, kerugianAlat yg menyenangkan hidupKeadaan yg merugikanDengan terus-menerusMembawa, mengangkatBaik, menguntungkan
Word Type Mean
LenderAcquireBankruptciesInvolveCardholderAdvanceAuthorizedLureLoanSwiftly
NAdv
NVNVVNN
Adv/Adj
PeminjamMemperoleh, mendapatkanKebangkrutanMemerlukanPemegang/pemilik kartuMemajukanMenyetujui secara resmiBujukan/umpanPinjamanDengan cepat/cepat