【-Feature 】 in United States, credit card use is more and more and more popular, too. Everything from daily shopping, travel to restaurant bills are available it bookkeeping, the use of the frequency and amount gradually have supremacy over cash transactions. In the past, people will hold a credit card is considered to be a status of characterization, and now as the market competition, issuing object even popular to employment of college students. Its wide distribution and holding them, but by virtue of their characteristics with bis large: "convenience" and "credit". Card-issuing bank to attract customers, universal release without affecting their own financial situation, tend to lay down the obligations of all kinds to remind cardholders "Grand don't come for free." And cardholder to enjoy after payment, it is best to know the credit card's various services, and put to good use, and monitor the penalty provisions, so you can "system card machine first," the surprise.
Credit card features
Credit card transactions are generally common basic functionality, the benefit is that free carry vast and can be only after a certain period of time shopping needs, help individuals earn interest on cash flow and income. But this potential currency functionality, when to travel outside the State, if the credit card account will still be available balance (Credit Available), then the more evident in the presentation. Because outside the State, money card due to wiring system, is often not available everywhere; even if available, some local banks would have discretion shoukua State services. As for personal cheques, in local shopping, the regular session is required to produce photo identification, to a foreign State, the rejection of the non-place, it is a commonplace of cheques. Credit cards are still available as an international travel currency, because even though the foreign currency is different, but it has the function of global transactions, you can avoid the inconvenience of the convertibility of the local currency.
In addition to the standard currency, credit cards and personal establishment of credit. In the United States, credit records are part of the personal data, when purchasing property, purchase of furniture, cars, etc need loan, the company will first consult the personal credit records to determine whether or not the loan, even employment job, some companies will also have access to the applicant's past credit history, as part of the assessment of employment. Although credit cards are debit and withholding cash (Cash Advance) of the basic functionality for the consumer provides great convenience, but if consumers lack proper fiscal management and budget, may this facilitate the confusion, excessive consumption, unable to sustain good credit record, but lose the credit card should have a role. In addition to basic functions, the most often overlooked is the credit card issuers provide ancillary services. -Issuing institutions in order to attract customers, reflecting the characteristics of their own credit card, often provide a variety of shopping coupons and assurance services. In the past this type of service functionally often is limited to gold card holders, but this morning due to credit card market is highly competitive, and thus such services also gradually spread to the General credit card holders. Although the card issuers provide the service name of the project, but the service is very similar, but the content of different issuers offer portfolio of services. The following only the common service for a profile, but does not mean that all credit cards are with each of the following services, some credit cards may only be a few items or new invasive, shall read the credit card company with the card sending service manual or electric contact the consumer services hotline inquiries. Listed below are credit card issuing companies for the service:
Various services
(1) shopping guarantee (Buyer or Buyer Protection Security)
Such services shall mean consumers to purchase within 90 days in the event of accidental destruction or loss of goods, from theft or fire, and other causes that may hold the original purchase receipt to the card issuer to request a free repair, update or request to stop payment or refund the consumer the loss or damage, within 45 days of the issuing companies requesting (claim) notification, if ignored, may lose their rights.
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