Qhov Tseem Ceeb Qhov Sib Txawv - Kev Ruaj Ntseg vs Daim Npav Tsis Muaj Kev Nyab Xeeb
credit cards yog muab los ntawm cov tuam txhab nyiaj txiag xws li cov tsev txhab nyiaj, khw muag khoom, lossis cov chaw muab kev pabcuam thiab cov neeg siv khoom uas ua tiav cov txheej txheem tau txiav txim siab ua ntej muaj cai thov rau tib yam, raug txwv. Cov credit card tshuav yog dov, qhov twg ib feem ntawm cov nqi them yuav tsum tau them txhua lub hlis kom txog thaum them tag nrho. Cov nyiaj them txhua hli no suav nrog kev them nyiaj paj, thiab cov nqi ntxiv kuj tseem them rau txhua xyoo. Qhov sib txawv tseem ceeb ntawm daim credit card ruaj ntseg thiab tsis muaj kev ruaj ntseg yog tias daim npav rho nyiaj ruaj ntseg yog daim npav uas muaj kev tiv thaiv ib daim ntawv pov thawj thaum daim npav rho nyiaj tsis muaj kev ruaj ntseg yog daim npav uas tsis muaj kev tiv thaiv ib daim ntawv pov thawj.
Daim credit card ruaj ntseg yog dab tsi?
Daim credit card ruaj ntseg yog ib daim npav uas tiv thaiv ib daim ntawv pov thawj (ib qho khoom vaj khoom tsev cog lus tiv thaiv nuj nqis), feem ntau yog kev tso nyiaj ruaj ntseg. Cov kev txwv ntawm cov credit card ruaj ntseg feem ntau yog teem rau qhov siab tshaj plaws los yog tsawg dua tus nqi ntawm kev tso nyiaj ruaj ntseg. Raws li qhov tshwm sim, qhov kev txwv ntawm daim npav rho nyiaj ruaj ntseg nyob ntawm qhov kev tso nyiaj ruaj ntseg, thiab qhov credit txwv tuaj yeem txuas ntxiv los ntawm kev nce tus nqi ntawm kev tso nyiaj ruaj ntseg. Nws yog ib qho yooj yim rau tus neeg siv khoom kom tau txais daim npav rho nyiaj ruaj ntseg dua li qhov tsis muaj kev ruaj ntseg vim nws pom tias tsis tshua muaj kev pheej hmoo thiab ntseeg tau; yog tias tus neeg siv khoom tsis raug cai, tus tshaj tawm tuaj yeem rov qab tau cov nyiaj them los ntawm kev tso nyiaj ruaj ntseg.
Cov kev txwv me me yog muab los ntawm daim npav rho nyiaj ruaj ntseg; cov neeg siv khoom feem ntau raug tiv thaiv los ntawm kev siv nyiaj ntau dhau thiab nkag mus rau hauv keeb kwm kev them nyiaj tsis zoo. Yog li, daim npav rho nyiaj ruaj ntseg yog qhov kev xaiv zoo nkauj rau cov neeg siv khoom uas pom tias nws nyuaj los tswj cov qib qiv nyiaj ntawm qib siab. Txawm li cas los xij, txwv tsis pub qiv nyiaj yog suav tias yog kev cuam tshuam los ntawm ntau tus neeg siv khoom. Tsis tas li ntawd, yog tias cov nyiaj them tas li tau ua raws sijhawm, tus neeg xa khoom tuaj yeem muab nqi zog rau cov neeg siv khoom los ntawm kev nce qhov credit txwv yam tsis muaj kev nce ntxiv hauv kev tso nyiaj. Yog li, kev them nyiaj tsis tu ncua thiab siv daim npav rho nyiaj hauv lub luag haujlwm yog qhov tseem ceeb rau daim npav rho nyiaj ruaj ntseg.
Daim duab 01: credit card
Daim npav rho nyiaj tsis muaj kev ruaj ntseg yog dab tsi?
Ib daim credit card tsis muaj kev ruaj ntseg yog ib daim npav uas tsis muaj kev tiv thaiv ib daim ntawv pov thawj thiab yog hom credit card uas siv ntau tshaj plaws. Cov kev txwv ntawm cov credit card tsis muaj kev ruaj ntseg feem ntau yog siab dua li cov credit; Txawm li cas los xij, lawv raug cov paj laum ntau dua vim muaj kev pheej hmoo tshwm sim. Cov credit card tsis muaj kev ruaj ntseg yog muab rau cov neeg siv khoom uas muaj keeb kwm qiv nyiaj zoo thiab cov nyiaj tau los tsis tu ncua. Txawm hais tias muaj kev txwv ntau dua tuaj yeem tau txais, qhov no kuj yuav ua rau muaj kev siv nyiaj ntau dhau los ntawm qee cov neeg siv khoom, uas yuav ua rau nws nyuaj rau kev them nyiaj txhua hli raws sijhawm. Cov nuj nqis credit card yog qhov teeb meem loj rau qee cov neeg siv khoom vim lawv tsis tuaj yeem them cov nuj nqis li no. Raws li, daim npav rho nyiaj tsis muaj kev ruaj ntseg yuav tsis yog qhov kev xaiv rau txhua hom neeg siv khoom.
Yog tias tus neeg siv khoom tsis raug cai, uas tsis tshua muaj ntau zaus, cov neeg tsim khoom yuav tsum ua raws li kev cai lij choj los sau cov nuj nqis tsis them. Qhov no yog qhov xwm txheej tsis zoo uas ua rau muaj kev pov tseg ntawm cov peev txheej rau tus neeg tawm daim npav. Yog li, lawv yuav tsum tau ceev faj heev, thiab muab cov credit card thiab credit txwv yuav tsum tau ua nrog rau kev mob siab rau tsim nyog.
Daim duab 02: Defaulting tus nqi rau credit cards tau nce siab heev nyob rau hauv xyoo tas los.
Dab tsi yog qhov txawv ntawm Secured thiab Unsecured Credit Card?
Secured vs Unsecured Credit Card |
|
| Daim npav ruaj ntseg yog daim npav uas muaj kev tiv thaiv ib daim ntawv pov thawj feem ntau yog kev tso nyiaj ruaj ntseg. | Daim npav tsis muaj kev ruaj ntseg yog daim npav uas tsis muaj kev tiv thaiv daim ntawv pov thawj. |
| Credit Limit | |
| Credit limit of secured credit card yog tsawg thiab nyob ntawm qhov tso nyiaj ruaj ntseg. | Cov neeg tuav credit card tsis muaj kev ruaj ntseg txaus siab rau cov credit txwv ntau dua. |
| Npaj nqi | |
| Cov paj laum muaj feem xyuam rau cov credit card ruaj ntseg qis dua tus nqi rau cov credit card tsis muaj kev ruaj ntseg. | credit cards tsis muaj kev ruaj ntseg yog raug cov paj laum ntau dua vim muaj kev pheej hmoo tshwm sim. |
| Rov qab cov nuj nqis los ntawm tus tswv lag luam hauv Case of Default | |
| Yog tias ua tsis tau raws li daim npav rho nyiaj ruaj ntseg, tus neeg xa khoom rov qab cov nuj nqis uas tsis tau them los ntawm kev tso nyiaj ruaj ntseg. | yuav tsum tau ua raws li txoj cai kom rov qab tau cov nuj nqis uas tsis tau them nrog daim npav rho nyiaj tsis muaj kev ruaj ntseg. |
Summary – Secured vs Unsecured credit cards
Qhov txawv ntawm daim npav rho nyiaj ruaj ntseg thiab tsis muaj kev ruaj ntseg yog nyob ntawm ntau yam xws li kev xav tau ntawm cov khoom ntiag tug, kev txwv credit thiab cov paj laum. Cov credit card tsis muaj kev ruaj ntseg yog ntau hom credit cards siv; Txawm li cas los xij, cov neeg tawm tswv yim yuav tsum ua tib zoo saib xyuas lawv kom rov qab tau cov nuj nqis raws sij hawm thiab txo qhov muaj feem cuam tshuam. Tsis tas li ntawd, credit card default rates nyob rau hauv lub teb chaws uas siv ntau npaum li cas los yog credit cards yog nce, tej zaum yuav ua rau poob loj heev rau daim card issuers.
Download PDF Version of Secured vs Unsecured Credit Cards
Koj tuaj yeem rub tawm PDF version ntawm kab lus no thiab siv nws rau offline hom phiaj raws li cov ntawv sau tseg. Thov rub tawm PDF version ntawm no Qhov txawv Ntawm Daim Npav Kev Nyab Xeeb thiab Tsis Muaj Kev Nyab Xeeb.
