{"id":1680,"date":"2012-07-01T00:21:21","date_gmt":"2012-06-30T16:21:21","guid":{"rendered":"http:\/\/blog.imoney.my\/?p=1680"},"modified":"2018-01-12T10:01:29","modified_gmt":"2018-01-12T02:01:29","slug":"kad-debit-berbanding-kad-kredit-bahagian-2-bm","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/kad-debit-berbanding-kad-kredit-bahagian-2-bm","title":{"rendered":"Kad Debit Vs Kad Kredit – Bahagian 2"},"content":{"rendered":"

Di bahagian 1<\/a>, kami terangkan bagaimana kad debit dan kad kredit berfungsi, serta beberapa perbezaan di antaranya. Sekarang mari kita selidik dan lihat beberapa kelebihan dan kelemahan kad debit berbanding kad kredit.<\/p>\n

<\/span>Kelebihan kad debit<\/span><\/h2>\n

\u2022 Oleh kerana wang ditolak terus dari akaun simpanan anda, masalah hutang tidak akan berlaku! Kad debit sangat sesuai bagi mereka yang mendapati diri sentiasa berhutang kerana anda hanya boleh belanja wang yang anda miliki.\u2022 Sangat mudah untuk pohon kad debit. Biasanya anda hanya perlu ada akaun simpanan atau semasa di bank. Tiada pemeriksaan kredit!<\/p>\n

\u2022 Kad kredit membolehkan anda guna wang yang belum anda miliki…LAGI. Dalam erti kata lain, anda boleh buat pembelian pada bila-bila masa, di mana sahaja, asalkan ia tidak melebihi had kredit anda.\u2022 Kad kredit boleh tingkatkan skor kredit anda. Pembayaran bil kad kredit tepat pada masanya boleh meningkatkan skor kredit anda, yang seterusnya membolehkan anda mendapat kadar yang lebih baik bagi lain-lain pinjaman.<\/p>\n

<\/span>Kelemahan kad debit<\/span><\/h2>\n

\u2022 Walaupun sukar untuk terlebih belanja kerana wang sebenarnya diambil dari akaun bank anda setiap kali anda leret kad, terdapat kebarangkalian anda terguna melebihi had wang dalam akaun. Ianya mungkin menyebabkan pihak bank mengenakan yuran overdraf. \u2022 Tidak seperti kad kredit, kad debit jarang ada perkhidmatan dan program ganjaran.
\nDan kini kita beralih pula kepada kad kredit.<\/p>\n

\u2022 Caj faedah. Menggunakan kad kredit adalah seperti menggunakan wang yang dipinjam dan apabila anda guna wang pinjaman, caj faedah akan dikenakan. Jika anda tak bayar bil-bil tepat pada masanya, anda mungkin terpaksa bayar lebih dari apa yang anda beli.\u2022 Anda menggunakan wang yang bukan milik anda. Jika anda tak punya wang yang cukup untuk bayar balik hutang kad kredit pada akhir bulan, terdapat risiko bahawa anda akan mula membina timbunan hutang yang besar, dan akhirnya berada dalam keadaan kewangan yang teruk.<\/p>\n","protected":false},"excerpt":{"rendered":"

Di bahagian 1, kami terangkan bagaimana kad debit dan kad kredit berfungsi, serta beberapa perbezaan di antaranya. Sekarang mari kita selidik dan lihat beberapa kelebihan dan kelemahan kad debit berbanding kad kredit. Kelebihan kad debit \u2022 Oleh kerana wang ditolak terus dari akaun simpanan anda, masalah hutang tidak akan berlaku! Kad debit sangat sesuai bagi… View Article<\/a><\/p>\n","protected":false},"author":1,"featured_media":2639,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[326,100],"tags":[279],"class_list":["post-1680","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-artikel-terkini","category-kad","tag-bm"],"acf":[],"yoast_head":"\nKad Debit Vs Kad Kredit - Bahagian 2<\/title>\n<meta name=\"description\" content=\"Di bahagian 1, kami terangkan tentang kad debit dan kad kredit serta perbezaannya. Mari lihat kelebihan dan kelemahan kad debit berbanding 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-berbanding-kad-kredit-bahagian-2-bm\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Kad Debit Vs Kad Kredit - Bahagian 2\" \/>\n<meta property=\"og:description\" content=\"Di bahagian 1, kami terangkan tentang kad debit dan kad kredit serta perbezaannya. 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