What is a credit card? How to get a credit card? What are the benefits of a credit card? Etc. Read this article carefully to know the answers to all the questions.
What is a credit card?
A credit card is a medium of banking transactions. Using this credit card you can withdraw money from your bank from time to time as well as shop and pay at shop or shopping mall.
Credit card is basically an online e-service. Let's first know how this credit card is made and what is in it.
Credit cards are made of a special type of plastic that allows the card to contain all the information of the victim and there are certain rules for using this card which, if left out, the card will stop its activities.(What is a credit card?)
What is the information in the credit card?
These chip-based credit cards provide all personal information such as a victim's name, place of birth, source of income, national identity card, mobile number, etc., using modern technology on the credit card.
What's on the top two sides of a credit card?
The front of the credit card.
★ The logo of the issued bank is used.
★ The AMV chip is built.
★ Holograms are used.
★ Credit card numbers are written.
★ The brand logo is given on the front.
★ Expiry date is given.
★ And the cardholder's name is written using modern technology.
What's on the back of a credit card?
★ The back of a normal credit card.
★ Tarit - Magnetic ribbon is given.
★ A picture of the signature fala is given
★ The security code number of the card is attached.
This information is usually given on both sides of a normal credit card but inside the card using modern technology a lot more information is given which has already been published at the top of the article.
How does money get into credit cards?
Credit cards are primarily given by banks and donor groups, and if you open an account with one of these banks and keep money there, the bank will issue you a credit card so that you can withdraw money from wherever you wish.
2 Differences Between Credit Cards Again!
★ Charge credit card
★ Credit card
You can withdraw a certain amount of money using a charged credit card, but there is a limited amount of money that can be withdrawn between these cards.
You can withdraw exactly the amount of money that is in your bank account and when that money is exhausted you have to contact that bank company again and deposit some money in their bank account again.
You can then use the charge credit card to withdraw money or spend on hotel rent, shopping mall money, etc.
If you do not have any restrictions on your credit card, you will be able to spend a lot of money using a credit card.
After the amount of money that was kept in your account is exhausted, you will have to repay the extra money that you have spent using the credit card by calculating the profit to the credit card banking company. Charge credit card
You can withdraw a certain amount of money using a charged credit card, but there is a limited amount of money that can be withdrawn between these cards.
You can withdraw exactly the amount of money that is in your bank account and when that money is exhausted you have to contact that bank company again and deposit some money in their bank account again.
You can then use the charge credit card to withdraw money or spend on hotel rent, shopping mall money, etc.
If you do not have any restrictions on your credit card, you will be able to spend a lot of money using a credit card.
After the amount of money that was kept in your account is exhausted, you will have to repay the extra money that you have spent using the credit card by calculating the profit to the credit card banking company. Charge credit card
You can withdraw a certain amount of money using a charged credit card, but there is a limited amount of money that can be withdrawn between these cards.
You can withdraw exactly the amount of money that is in your bank account and when that money is exhausted you have to contact that bank company again and deposit some money in their bank account again.
You can then use the charge credit card to withdraw money or spend on hotel rent, shopping mall money, etc.
If you do not have any restrictions on your credit card, you will be able to spend a lot of money using a credit card.
After the amount of money that was kept in your account is exhausted, you will have to repay the extra money that you have spent using the credit card by calculating the profit to the credit card banking company.
What is an international credit card?
The card you are using to withdraw money using the single currency credit card issued by the bank will be valid only in your own country but if you want to go abroad and withdraw money using credit card then you need to create an international credit card.You can withdraw money using your international credit card at home and abroad.
All of these credit cards are commonly called dual currency credit cards.
Between the international credit card, you can keep the money of Bangladesh and US dollars or the money of the country you want to keep different and you can also spend.
You can keep and spend money in only 2 countries between international credit cards, otherwise you cannot keep and spend money in any third country.
How to create an international credit card!
When you go to the bank to make a general credit card, tell the credit card service provider or the representative of the institution that if you want to make an international credit card, then those credit card payers will give you an international credit card form and you can fill out that form to make an international credit card.(What is a credit card?)
If you want to make an international credit card, you need to give a passport and the name of the country for which you want the currency, and with that you have to deposit some money in advance.
International credit cards are common in most of the countries of the world so if you are a travel lover then you can definitely make an international credit card so that you do not have to worry about money while traveling to different countries.
What are the qualifications for getting a credit card?
How to get a credit card and what are the qualifications required for a citizen of Bangladesh to get a credit card?
A citizen needs to have a low qualification to get a credit card!
Businesses, employees or anyone with an Income and Valid Tax Identification Number (TIN) can apply for a credit card.
Credit card eligibility is as follows
★ Must have National Identity Card
★ TIN certificate is required
★ Employees will need an appointment letter or salary certificate and a 3 month bank statement.
★ Traders will need a trade license and 3 months bank transaction statement from Memorandum of Association.
How to get a credit card?
You can also apply for a credit card if you have the above qualifications.
To create a credit card you need to go to the bank and discuss with the representatives of all the banks that provide credit card services and tell the person in charge of the bank representation that you want to receive credit card services.
You will be given an application form from the credit card service-headed bank, fill it up and submit it to them again, then the staff of the banking company will make you a credit card.
In addition, if you have a fixed deposit with a bank, you can discuss with the representatives of the bank and get a credit card from there.
Most of the commercial banks in Bangladesh have credit card services and for your convenience, the following is a detailed discussion about some of the banks which are providing credit card services in Bangladesh on a regular basis.
Below is a list of banks that offer credit card services
Dutch Bangla Bank is the head of credit card services
Citibank then heads the credit card service
And BRAC Bank Credit Card Services
Standard Chartered Bank of Bangladesh is the head of credit card services
Eastern Bank is the head of credit card services
There are many more banks like Premier Bank that offer credit card services.
Read the article below to know what kind of credit card services are provided by the banking companies mentioned in the list above.
Dutch Bangla Bank Credit Card Services:
MasterCard Classic makes local credit card service-leading
Visa Gold International is the head of credit card services
MasterCard makes Titanium credit card service-leading
Visa Platinum Credit Card Services
Visa Classic local credit card service-head
MasterCard Classic International Credit Card Service-Head
MasterCard Gold International is the head of credit card services
You will get some of the above credit card services from Dutch Bangla Bank Company and click here to create this Dutch Bangla Bank Credit Card.
Citybank credit card services are as follows:
American Express Platinum is a credit card service provider
American Express Gold makes credit card services head-to-head
Citi Alo is the American Express Credit Card Service
Visa Credit Card Service-Head
American Express Blue is a credit card service provider
From the City bank company you will find some of the credit card services shown above and if you want to open an account with Citybank then click here.
BRAC Bank Credit Card Services:
Infinite makes credit card service-oriented
Signature makes credit card service-oriented
Platinum makes credit card service-oriented
Gold makes credit card service-leading
Classic credit card service-leading
From the BRAC Bank company you will find some of the credit card services shown above and if you want to open an account with BRAC Bank then click here.
Standard Chartered Bank credit card services are as follows
Visa Signature Credit Card Services
Platinum serves Visa / MasterCard services
Super Value makes titanium card service-oriented
From Standard Chartered Bank you will find some of the credit card services shown above so if you want to open an account with Standard Chartered Bank then click here.
Eastern Bank credit card services are as follows
MasterCard makes Titanium credit card service-leading
Visa Gold Credit Card Service-Head
Visa makes classic credit card service-oriented
MasterCard is the world's leading credit card service provider
From the Eastern Bank company you will find some of the credit card services shown above and if you want to open an account in Eastern Bank then click here.
Premier Bank credit card services are as follows
Gold card is service-oriented
Platinum card makes service-oriented
Makes dual currency card service-oriented
Classic card makes service-oriented
International credit card service-head
Click here to get some of the credit card services shown above from Premier Bank Company and if you want to open an account for you with Premier Bank then click here.
What are the benefits of a credit card?
Reward points are also available in many cases if you shop using a credit card or use credit to buy something very expensive.
If the amount of credit card debt seems high, you can change the credit card and take a less credit card.
Sometimes credit card loans are available at zero percent interest.
If you suddenly like something expensive and have a strong interest in buying it, you can easily buy it using a credit card.
If more and more products are bought and sold through credit cards and credit card bills are paid on time, then the credit card holder's bank loan eligibility index increases and CBI helps a lot in setting records.(What is a credit card?)
If he takes more time to repay the money after taking a credit card loan, he has to pay a large amount of interest to the credit card bank.
Whether you use a credit card or not, it is mandatory to pay a fixed annual credit card fee.
Last word: The main topic of today's article was What is a credit card? How to get a credit card? What are the benefits of a credit card?
In this article I have tried my best to give you a good idea about credit card and I hope you have read this article and got proper understanding about credit card.
If you have any questions about this article, please let us know in the comments. We will try to answer your questions properly.
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