{"id":1702,"date":"2012-08-01T01:05:00","date_gmt":"2012-07-31T17:05:00","guid":{"rendered":"http:\/\/blog.imoney.my\/?p=1702"},"modified":"2018-01-12T09:58:57","modified_gmt":"2018-01-12T01:58:57","slug":"bagaimana-kad-kredit-berfungsi-bm","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/bagaimana-kad-kredit-berfungsi-bm","title":{"rendered":"Bagaimanakah Cara Kad Kredit Berfungsi?"},"content":{"rendered":"

Tak begitu ramai orang boleh hidup tanpa kad kredit pada hari ini. Namun walaupun penggunaannya meluas, masih ramai lagi yang tak faham bagaimana kad kredit berfungsi. Di sini, kita akan terokai mekanisme dalaman kad kredit – dari segi kewangan dan teknikal. Tapi mari kita mulakan dengan perkara asas – apa yang dimaksudkan dengan kad kredit.<\/p>\n

<\/span>Apakah dia kad kredit?<\/span><\/h2>\n

Kad kredit sering digambarkan sebagai “wang plastik”. Ianya kerana kad kredit biasanya datang dalam bentuk kad plastik. Satu kad kredit biasanya berukuran 86 x 54 cm saiznya, dan membolehkan pemegang kad buat pembelian tanpa wang tunai. Untuk menggunakan kad kredit, pemegang kad perlu dipra-luluskan “had kredit” dari bank – “had kredit” ialah jumlah maksimum wang yang bank setuju beri pinjam bagi kegunaan pembelian anda.<\/p>\n

Apabila kita pohon kad kredit dari bank, kita dapat lihat kad kredit yang berbeza bagi setiap syarikat, AmericanExpress, MasterCard atau Visa. Tetapi apakah peranan syarikat-syarikat kad kredit ini? Mengapa bank memerlukan mereka?<\/p>\n

<\/span>Apa yang berlaku apabila anda guna kad kredit anda untuk buat pembelian?<\/span><\/h2>\n

Dalam setiap transaksi kad kredit, terdapat beberapa pihak yang terlibat untuk memastikan keseluruhan proses pembayaran berlaku dengan lancar. Contohnya seperti berikut:<\/p>\n

\"\"<\/p>\n

Percaya atau tidak, proses pembayaran kad kredit sebenarnya agak rumit. Untuk memudahkan perkara ini, andaikan anda masuk sebuah kedai dan berkira-kira nak buat pembelian dengan kad kredit.<\/p>\n

Anda berikan kad anda kepada juruwang, yang dileret melalui pembaca kad kredit \/ terminal.<\/p>\n

\"\"<\/p>\n

Pembaca kad kredit \/ terminal membaca jalur magnetik di belakang kad dan menghantar maklumat utama (contohnya nombor kad kredit anda, had kredit, tarikh tamat tempoh dll) ke bank (iaitu bank saudagar) pemilik kedai itu.<\/p>\n

\"\"<\/a><\/p>\n

Bank saudagar akan menerima maklumat ini dan menyemak sama ada urusniaga tersebut adalah sah.<\/p>\n

\"\"<\/p>\n

Bank saudagar kemudian menghantar maklumat pembelian kepada syarikat kad kredit yang berkaitan (iaitu Visa, MasterCard atau American Express).<\/p>\n

\"\"<\/a><\/p>\n

Seterusnya, syarikat kad kredit menghubungi bank anda dan mengesahkan bahawa kad kredit anda adalah sah.<\/p>\n

\"\"<\/a><\/p>\n

Setelah mendapat pengesahan dari bank anda, syarikat kad kredit kemudian mengemukakan mesej kepada bank saudagar yang meluluskan transaksi anda.<\/p>\n

\"\"<\/a><\/p>\n

<\/span>Jadi anda telah membayar dengan kad kredit … kemudian apa?<\/span><\/h2>\n

Perasan tak tiada wang tunai “bertukar tangan” lagi? Pernah terfikir bagaimana kedai akan dibayar selepas anda buat pembelian dengan kad kredit? Apa yang berlaku di belakang tabir? Bagaimana anda mendapat bayaran untuk pembelian anda? Ini semua adalah soalan yang rumit yang kami cuba jawab di bawah.<\/p>\n

<\/span>Bagaimana pembayaran kad kredit berfungsi<\/span><\/h2>\n

Pada akhir setiap tempoh, peniaga memberikan bank semua resit transaksi (ingat resit yang anda tanda tangan apabila anda membeli sesuatu dengan kad kredit?)<\/p>\n

Bank kemudian membayar saudagar jumlah seperti dalam resit.<\/p>\n

\"\"<\/a><\/p>\n

Pada masa yang sama, bank tersebut akan menghantar permintaan kepada syarikat kad kredit meminta penjelasan bayaran.<\/p>\n

Syarikat kad kredit membayar bank saudagar, dan pada masa yang sama menghantar satu permintaan bayaran kepada bank anda.<\/p>\n

\"\"<\/a><\/p>\n

Bank anda membayar syarikat kad kredit dan mengenakan anda jumlah yang anda berhutang di atas pembelian yang dibuat.<\/p>\n

\"\"<\/a><\/p>\n

Dan itulah asasnya bagaimana kad kredit berfungsi!<\/p>\n

Nak tahu lagi? Lihatlah lebih artikel tentang kad kredit di sini<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"

Tak begitu ramai orang boleh hidup tanpa kad kredit pada hari ini. Namun walaupun penggunaannya meluas, masih ramai lagi yang tak faham bagaimana kad kredit berfungsi. Di sini, kita akan terokai mekanisme dalaman kad kredit – dari segi kewangan dan teknikal. Tapi mari kita mulakan dengan perkara asas – apa yang dimaksudkan dengan kad kredit…. View Article<\/a><\/p>\n","protected":false},"author":1,"featured_media":2666,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[326,100],"tags":[279],"class_list":["post-1702","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-artikel-terkini","category-kad","tag-bm"],"acf":[],"yoast_head":"\nBagaimana Kad Kredit Berfungsi?<\/title>\n<meta name=\"description\" content=\"Tahukah anda bagaimana caranya kad kredit berfungsi? Di sini, kita akan terokai mekanisme dalaman kad kredit - dari segi kewangan dan teknikal.\" \/>\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\/bagaimana-kad-kredit-berfungsi-bm\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bagaimana Kad Kredit Berfungsi?\" \/>\n<meta property=\"og:description\" content=\"Tahukah anda bagaimana caranya kad kredit berfungsi? 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