{"id":1660,"date":"2012-06-13T14:56:59","date_gmt":"2012-06-13T06:56:59","guid":{"rendered":"http:\/\/blog.imoney.my\/?p=1660"},"modified":"2024-09-07T00:41:28","modified_gmt":"2024-09-06T16:41:28","slug":"kad-debit-vs-kad-kredit-bm","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/kad-debit-vs-kad-kredit-bm","title":{"rendered":"Perbandingan Kad Debit vs Kad Kredit"},"content":{"rendered":"<p>Apakah perbezaan di antara kad debit dengan kad kredit?<\/p>\n<p>Sebenarnya terdapat banyak perbezaan antara keduanya , tetapi yang paling utama ialah samada anda mahu \u201cmembayar sekarang\u201d (kad debit) atau \u201cmembayar kemudian\u201d (kad kredit).<\/p>\n<h2>Bagaimanakah fungsi setiap kad tersebut?<\/h2>\n<p>Mari mulakan dengan yang lebih mudah \u2013 <a href=\"https:\/\/www.imoney.my\/ms\/kad-debit\">kad debit.<\/a><\/p>\n<ul>\n<li>Dengan kad debit, pihak bank tidak akan memberikan anda had kredit. Oleh itu,<\/li>\n<li>Dana diambil secara terus daripada akaun bank anda setiap kali anda menggunakan kad debit anda, dan ini bermakna,<\/li>\n<li>Semua pembelian menggunakan kad debit anda tidak akan melebihi baki yang terdapat di dalam akaun bank anda.<\/li>\n<\/ul>\n<p>Dan bagi <a href=\"https:\/\/www.imoney.my\/ms\/kad-kredit\">kad kredit<\/a> pula,<\/p>\n<ul>\n<li>Bank akan memberikan anda had kredit.<\/li>\n<li>Sedar atau tidak anda sebenarnya \u201cmeminjam\u201d wang untuk setiap pembelian anda.<\/li>\n<li>Secara amnya, bank mempunyai jangkamasa bebas faedah (interest-free period) di-mana anda tidak perlu menanggung bebanan faedah dan anda mempunyai sekitar 20 ke 45 hari untuk menjelaskan hutang anda.<\/li>\n<li>Dan jika anda gagal dalam tempoh tersebut, anda akan dikenakan caj terhadap hutang yang anda ada itu.<\/li>\n<\/ul>\n<p>Jika anda bukanlah seorang pengguna yang berhati-hati dan bijak, kad kredit boleh menjadi sangat membebankan dengan caj serta bayaran faedah.<\/p>\n<p>Sebaliknya , oleh kerana akses segera kepada akaun bank anda, pencegahan penipuan mungkin merupakan suatu perkara yang lebih penting untuk dititikberatkan jika anda menggunakan kad debit. Jika kad debit anda terlepas kepada tangan orang yang tidak bertanggungjawab, akaun bank anda terjejas keselamatannya dan berisiko untuk dikosongkan.<\/p>\n<p>Dan itulah dia \u2013 bimbingan mudah yang menunjukkan perbezaan di antara kad debit dan kad kredit. Berminat mengetahui lebih lanjut? Teruskan ke <a href=\"https:\/\/www.imoney.my\/articles\/kad-debit-berbanding-kad-kredit-bahagian-2-bm\">Bahagian 2 di sini<\/a>!<\/p>\n<p>Anda meminati pos ini? Kami mempunyai <a href=\"https:\/\/www.imoney.my\/articles\/tip-pengurusan-penggunaan-kad-kredit-2-bm\"> beberapa lagi tip menarik<\/a> buat anda.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Apakah perbezaan di antara kad debit dengan kad kredit? Sebenarnya terdapat banyak perbezaan antara keduanya , tetapi yang paling utama ialah samada anda mahu \u201cmembayar sekarang\u201d (kad debit) atau \u201cmembayar kemudian\u201d (kad kredit). Bagaimanakah fungsi setiap kad tersebut? Mari mulakan dengan yang lebih mudah \u2013 kad debit. Dengan kad debit, pihak bank tidak akan memberikan&#8230; <a class=\"view-article\" href=\"https:\/\/www.imoney.my\/articles\/kad-debit-vs-kad-kredit-bm\">View Article<\/a><\/p>\n","protected":false},"author":1,"featured_media":2637,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[326,100],"tags":[279],"class_list":["post-1660","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-artikel-terkini","category-kad","tag-bm"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Perbandingan Kad Debit vs Kad Kredit<\/title>\n<meta name=\"description\" content=\"Sebenarnya terdapat banyak perbezaan antara keduanya, perbezaan yang utama ialah samada &quot;bayar sekarang\u201d (kad debit) atau &quot; bayar kemudian\u201d (kad kredit).\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.imoney.my\/articles\/kad-debit-vs-kad-kredit-bm\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Perbandingan Kad Debit vs Kad Kredit\" \/>\n<meta property=\"og:description\" content=\"Sebenarnya terdapat banyak perbezaan antara keduanya, perbezaan yang utama ialah samada &quot;bayar sekarang\u201d (kad debit) atau &quot; 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