The function of the credit card

Charge is the basic function of general credit card together,
The advantage is to avoid carry money,
And in the shopping
He is not required to pay after a certain period,
Help individual cash flow and earn interest income.
And the quasi currency
Can, when to out-of-state travel, there are still available if the credit card account balance (
Credit Available
)
, then
Can show more evidence.Because states, money paid attachment system differences, is often not available everywhere;
Even if is available,
Some local Banks also across state for wiring the service charge.
As for a personal check,
In the local shopping,
Will often be asked to show photo id,
Outside the state,
Rejection of the area check is familiar.
The letter
Card still can be used as international travel money.
Because even in foreign countries,
Although the use of money,
but
The cosmopolitan charge function, can discharge the inconvenience of exchange local currency.
 
In addition to the function of the quasi currency,
Credit card is also an important source of personal to establish credit.
In the United States,
Credit record
Is a part of people data, when buying, buy furniture, such as cars need to loan, the company will first check
Read the personal credit record,
To determine whether the loan,
Even the job looking for a job,
Some companies will also refer to the applicant
Credit record in the past, as part of the assessment to hire.

 Although credit card has a debit and cash advance (
Cash Advance
Provide very) of the basic features for consumption
Great convenience,
But if consumers lack the correct financial management concepts and budget,
May be for the modern fan
And confused.
Excessive consumption,
Unable to maintain a good credit record for a long time,
So instead of losing credit card should be Angle
Color.
In addition to the basic functions,
Is most often overlooked is the supplementary services provided by the credit card issuers.

Card issuers to attract customers,
Reveal itself the characteristics of credit card,
Can provide all kinds of shopping consumption
And assurance services.
This kind of service function used to be limited to the gold card holders,
But today because of the credit card market competition
Intense, so this type of service is gradually popularized in the general credit card holders.

 Although the issuers of the service provided has different project name,
But the service content is the same,
And different hairpin
Services provided by institutions of combinations are also different.
The following common service projects will be made only one profile,
But it is not
Said all the credit card has the following every service,
Some credit CARDS may only have a few items or new name
Don,
Details along with the card through the card company send the service manual,
Or call the company customer service hotline
To ask.Listed below are all the services provided by the credit card company:

 1
) shopping guarantee (
Buyer Protection, or Buyer Secuity
)
 
This kind of service refers to the consumers in the ninety days shopping in case of accidental damage,
Lost,
Theft or fire, etc
By,
Can hold the original shopping receipt to the issuing bank request free repair,
Update or a refund, or to stop
And consumption
Must be made is lost or damaged (at the request of the issuing company within 45 days
The claim
) notice, if ignored
Deadline, may lose their rights

 (
2
) extending shopping guarantee life (
Extended giant or Buyer Assurance
)
 
General goods such as television,
The computer
......
Are accompanied by the original manufacturers guarantee provided,
This guarantee are for sale
After the free maintenance service.
General stores often encourage consumers to the other in the original factory guarantee fixed number of year with purchase and store
The extension of service guarantee.
In fact,
Usually pay by credit card,
Can be automatically obtained by credit card
Fixed number of year of the institutions of the extended warranties provided services.
Attached to the service refers to the original factory ensure items below for five years
Times to extend the assurance of its original fixed number of year,
But when double in less than a year for the principle,
Such as goods of the original ninety days