What Is a Credit Card?

Credit cards
Group – 130
He did :Burxonov Asror
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What Is a Credit Card?
A credit card is a thin rectangular piece of plastic or metal issued by a bank or financial services company that allows cardholders to borrow funds with which to pay for goods and services with merchants that accept cards for payment. Credit cards impose the condition that cardholders pay back the borrowed money, plus any applicable interest, as well as any additional agreed-upon charges, either in full by the billing date or over time.
Kredit karta nima?
Kredit karta - bu bank yoki moliyaviy xizmatlar kompaniyasi tomonidan chiqarilgan yupqa to'rtburchak plastik yoki metall bo'lak bo'lib, u karta egalariga to'lov uchun kartalarni qabul qiladigan savdogarlardan tovarlar va xizmatlar uchun to'lash uchun pul mablag'larini olish imkonini beradi. Kredit kartalar karta egalari qarzga olingan pulni, qo'shimcha ravishda har qanday tegishli foizlarni, shuningdek, kelishilgan qo'shimcha to'lovlarni to'liq hisob-kitob sanasiga yoki vaqt o'tishi bilan qaytarish shartini qo'yadi.
The standard credit line, the credit card issuer may also grant a separate cash line of credit (LOC) to cardholders, enabling them to borrow money in the form of cash advances that can be accessed through bank tellers, ATMs, or credit card convenience checks. Such cash advances typically have different terms, such as no grace period and higher interest rates, compared with those transactions that access the main credit line. Issuers customarily preset borrowing limits based on an individual’s credit rating. A vast majority of businesses let the customer make purchases with credit cards, which remain one of today’s most popular payment methodologies for buying consumer goods and services.
standart kredit liniyasi, kredit karta emitenti, shuningdek, karta egalariga alohida naqd kredit liniyasini (LOC) berishi mumkin, bu ularga bank kasslari, bankomatlar yoki kredit karta qulayligini tekshirish orqali naqd avans shaklida qarz olish imkonini beradi. . Bunday naqd avanslar, odatda, asosiy kredit liniyasiga kiradigan operatsiyalar bilan solishtirganda, imtiyozli davr va yuqori foiz stavkalari kabi turli xil shartlarga ega. Emitentlar odatda shaxsning kredit reytingi asosida qarz olish limitlarini oldindan belgilab qo'yishadi. Korxonalarning aksariyati mijozlarga kredit kartalari bilan xarid qilish imkonini beradi, bu esa bugungi kunda iste'mol tovarlari va xizmatlarini sotib olish uchun eng mashhur to'lov usullaridan biri bo'lib qolmoqda.
Understanding Credit Cards
Credit cards typically charge a higher annual percentage rate (APR) vs. other forms of consumer loans. Interest charges on any unpaid balances charged to the card are typically imposed approximately one month after a purchase is made (except in cases where there is a 0% APR introductory offer in place for an initial period of time after account opening), unless previous unpaid balances had been carried forward from a previous month—in which case there is no grace period granted for new charges.
Kredit kartalari haqida tushuncha
Kredit kartalari odatda iste'mol kreditlarining boshqa shakllariga nisbatan yuqori yillik foiz stavkasini (APR) oladi. Kartadagi toʻlanmagan qoldiqlar boʻyicha foizlar odatda xarid qilinganidan keyin taxminan bir oy oʻtib olinadi (hisob ochilgandan soʻng dastlabki davr uchun 0% APR taklifi mavjud boʻlgan hollar bundan mustasno), agar ilgari toʻlanmagan boʻlsa. qoldiqlar oldingi oydan oldinga o'tkazilgan - bu holda yangi to'lovlar uchun imtiyozli davr berilmaydi.
By law, credit card issuers must offer a grace period of at least 21 days before interest on purchases can begin to accrue.1 That’s why paying off balances before the grace period expires is a good practice when possible. It is also important to understand whether your issuer accrues interest daily or monthly, as the former translates into higher interest charges for as long as the balance is not paid. This is especially important to know if you’re looking to transfer your credit card balance to a card with a lower interest rate. Mistakenly switching from a monthly accrual card to a daily one may potentially nullify the savings from a lower rate.
Qonunga ko‘ra, kredit karta emitentlari xaridlar bo‘yicha foizlar to‘planguncha kamida 21 kunlik imtiyozli davrni taqdim etishlari kerak.
1
Shuning uchun imtiyozli davr tugashidan oldin qoldiqlarni to'lash imkoni boricha yaxshi amaliyotdir. Sizning emitentingiz har kuni yoki oylik foizlarni to'lashini tushunish ham muhimdir, chunki birinchisi balans to'lanmagan ekan, yuqori foiz to'lovlariga aylanadi. Bu, ayniqsa, kredit kartangiz balansini pastroq foizli kartaga o'tkazmoqchi ekanligingizni bilish uchun juda muhimdir. Xatolik bilan oylik hisob-kitob kartasidan kunlik kartaga o'tish pastroq stavkadan tejashni bekor qilishi mumkin.
Types of Credit Cards
Most major credit cards—which include Visa, Mastercard, Discover, and American Express—are issued by banks, credit unions, or other financial institutions. Many credit cards attract customers by offering incentives such as airline miles, hotel room rentals, gift certificates to major retailers, and cash back on purchases. These types of credit cards are generally referred to as rewards credit cards.
Kredit kartalarining turlari
Visa, Mastercard, Discover va American Express kabi yirik kredit kartalarining aksariyati banklar, kredit uyushmalari yoki boshqa moliya institutlari tomonidan chiqariladi. Ko'pgina kredit kartalari aviakompaniya millari, mehmonxona xonalarini ijaraga olish, yirik chakana sotuvchilarga sovg'a sertifikatlari va xaridlar uchun naqd pulni qaytarish kabi imtiyozlarni taklif qilish orqali mijozlarni jalb qiladi. Ushbu turdagi kredit kartalari odatda mukofot kredit kartalari deb ataladi.
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