Day: December 1, 2019
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บัตรเครดิตนั้นคือบัตรที่ธนาคารออกให้สำหรับผู้ที่มีคุณสมบัติผ่านเงื่อนไขของธนาคาร เป็นบัตรที่มีสิทธิประโยชน์มากมาย คนส่วนมากนั้นต้องการมีไว้สักใบสองใบเนื่องจากมีความสามารถหลาย ๆ อย่างที่ทำได้มากกว่าบัตรธรรมดาอย่าง ATM วันนี้เราจะมาพูดถึงข้อดีและข้อเสียของบัตรเครดิตกัน
ข้อดี
- ยังใช้ยิ่งได้คืน คุณจะได้รับส่วนลดหรือสิทธิพิเศษเมื่อซื้อสินค้าหรือบริการที่ร่วมกับบัตรนั้น ๆ เช่น ผ่อนสินค้า 0% ได้เงินคืนเมื่อซื้อครบยอดที่กำหนด ได้ของขวัญเมื่อซื้อสินค้าที่กำหนด
- เพิ่มสภาพคล่องทางการเงิน มีวงเงินใช้จ่ายรายเดือน เพราะปกติบัตรเครดิตจะมีรอบจ่ายบิล 45-55 วัน โดยปลอดดอกเบี้ย ทำให้เราสามารถวางแผนการเงินได้คล่องตัวมากขึ้น
- บัตรเครดิตพกพาสะดวก มีน้ำหนักเบาไม่กินพื้นที่ในกระเป๋าสตางค์ ไม่ต้องพกเงินจำนวนมาก ๆ ให้เกิดอันตราย
- ใช้ผ่อนสินค้า ดอกเบี้ย 0% ตามโปรโมชั่นที่ธนาคารและร้านค้าตกลงร่วมกันโดยมีอัตราดอกเบี้ย 0% ตั้งแต่ 2 เดือนถึง 36 เดือนแล้วแต่ธนาคารเจ้าของบัตร
- ไม่ต้องชำระเงินคืนเต็มจำนวนก็ได้ ในบางเดือนที่มีค่าใช้จ่ายมากบริหารเงินไม่ทันคุณสามารถจ่ายขั้นต่ำ 10% ของยอดชำระได้ แต่ก็ไม่ควรจ่ายขั้นต่ำบ่อยเกินไปเพราะคุณจะเสียดอกเบี้ยเพิ่มมากขึ้น และเมื่อคุณจ่ายบิลในขั้นต่ำครั้งต่อไปที่คุณใช้บัตรจะไม่อยู่ในระยะเวลาปลอดดอกเบี้ยอีกต่อไป
- ใช้กดเงินสดได้ บัตรเครดิตบางธนาคารมีวงเงินกดเงินสดแยกจากวงเงินผ่อนสินค้าต่างหาก คุณสามารถกดเงินสดมาใช้ได้โดยบริการนี้ส่วนมากมีค่าธรรมเนียมกดเงินสด 3% และบวก vat 7% ของจำนวนเงินที่กด และดอกเบี้ยของการกดเงินสดจากบัตรเครดิตนั้น คิดคำนวณเป็นรายวันและจะเริ่มคำนวณตั้งแต่วันที่คุณได้รับเงินสดจากตู้ ATM
- สะดวกในการทำธุรกรรม เช่น จองตั๋วเครื่องบิน, โรงแรม ถ้าจองและชำระเงินผ่านบัตรจะเร็วกว่าการชำระด้วยวิธีอื่น ๆ และบางครั้งจะได้ส่วนลดเพิ่มด้วย
- แต้มสะสม นี่คือไม้เด็ดของการใช้เพราะทุกครั้งที่มีการใช้จ่ายผ่านบัตรจะได้แต้มสะสมที่เราสามารถใช้เป็นส่วนลดแลกสินค้าและบริการได้ เช่นแลกไมล์เครื่องบิน แลกคูปองเงินสด แลกซื้อสินค้าในราคาที่ถูกกว่า และอื่น ๆ อีกมากมาย
ข้อเสีย
- อาจทำให้วินัยการเงินเสียได้หากใช้จ่ายเกินตัว ถ้าไม่ระงับกิเลสบ้างและรูดซื้อทุกสิ่งอย่างที่ต้องการ สุดท้ายอาจทำให้เราเป็นหนี้มากมายโดยไม่รู้ตัว และเมื่อชำระไม่ตรงกำหนดก็จะมีอัตราดอกเบี้ยที่สูงขึ้น
- มีเงื่อนไขการสมัครยาก สำหรับผู้ที่ไม่เคยมีบัตรเครดิตและสมัครครั้งแรกก็อาจเป็นเรื่องยากที่จะผ่านการอนุมัติเพราะไม่เคยมีประวัติมาก่อนว่าเป็นลูกค้าแบบไหน ชำระหนี้ตรงเวลาหรือไม่ ทำให้บางครั้งธนาคารจึงตัดสินใจไม่ให้ผ่านนั่นเอง
เมื่อรู้ทั้งข้อดีและข้อเสียของบัตรเครดิตแล้วแล้วหวังว่าคุณจะจัดการแผนการเงินได้ดีเป็นลูกค้าชั้นดีของธนาคาร และเป็นผู้ใช้ที่ฉลาดใช้บัตรให้เกิดประโยชน์สูงสุดกับตัวคุณเองต่อไปในอนาคต
ขอขอบคุณบทความดี ๆ จาก www.masii.com
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It is preferred that you choose a respectable site that offers online lottery activities that may assist you to gain prizes legally. Not all web sites offer appropriate lottery games, beware of this.
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It is best to consult a foundation consultant to see if there can be a trouble with the foundation. It can also be advisable to complete different necessary fixes on the making or house prior to the stucco repair. These fixes include restoration of the gutter, ceiling, or drainage to prevent excess water from reaching the stucco.
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Fortunately, as the general composition and process of stucco is extremely basic by nature which makes it super easy to fix and maintain at all times. Thus, you need to thoroughly and fully understand the procedure where stucco is able to be restored in order to keep a clean and strong wall at all times. Knowing these measures is the big difference between paying a great deal of income versus maintaining points easy and tough at all times.
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A casino can both be described as a first deposit bonus, a play money casino or a gain casino. The very first deposit benefit, as their name claims, is a advantage you receive once you register an bill with an on the web casino and produce your 1st deposit. This may noise uninteresting, but you can find casinos that provide an unbelievable 200% first deposit bonus. Needless to say, the amount that you may get is restricted, so do not think that you can deposit 1 million and get yet another two in a just a second and never having to do any such thing for them.
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Also, there are some withdrawal rules that are included with your first deposit casino, but nevertheless it a best part for you. There is also the perform income casino. Enjoy income is basically income given for free after you enroll with an on the web casino. You can’t withdraw that income, but you need to use them to play. In the event that you manage to really gain something out of those money, you will be able to withdraw all of your winnings. There are usually regulations that specify the absolute minimum amount that you’ve to get to be able to manage to withdraw, but a perform money casino is unquestionably something great for you, no matter whether you’re an expert or not http://onlinecasinomalaysia.xyz/.
Last, but definitely not least, there is the winnings casino. If you have the ability to earn a substantial amount of cash at an on the web casino, you are likely also planning for a highly enjoyable casino as well as your winnings. Now that you realize all about what a casino is, get produce some cash online, and above all, have loads of fun! Learn more about on line casino and on how best to play at casinos today!
On the web casinos are the web variation of the traditional casinos, which allow players to bet on activities and get prizes online. Also known as as the web casinos or electronic casinos, they’re being established on an raising charge over the past few years. On line casinos make use of a Arbitrary Quantity Generator (RNG), which provides a sequence of figures in a arbitrary obtain, predicated on that your table games and blackjack are played. A lot of the online casinos often rent or obtain the program from businesses such as Realtime Gambling, CryptoLogic Inc, Playtech, Microgaming and Global Game Technology.
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Some publish their payout percentage audits on their websites, this is anything you should definitely take a look at, if possible, when selecting an online casino to become listed on as you are able to decided usually the one with the best payout percentage hence raising your chances of winning.
Web-based Casinos let the ball player to perform the casino game of their choice right on the internet, without the need to download some of the casinos computer software with their computer. The casino games usually are provided in Macromedia Thumb, Java, or Macromedia Shockwave and will need your browser to have the relevant plug-in. The plug-ins are free to and easy mount if that you do not already ask them to permitted on your online browser. Many windows curently have the plug-ins installed. You may also desire a decent bandwidth because the casino games are composed of sounds and animations requiring decent band-with to perform properly.
Download-based Casinos involve the ball player to download the online casinos pc software onto their computer so as to allow them to perform the games. The internet casino computer software attaches directly to the online casinos company and enables the activities to be played without the need of you using your web browser. The benefit of this is that the game-play operates faster as the application employs the graphics and sound applications from the casinos computer software, as apposed to it being work throughout your browser on the internet. Certainly the application can take a while to put in it self on your pc and there is generally the chance (as with downloading any software) that the online casino application contains malware and possibly infecting your computer.
Live-based Casinos is somewhat new and allows the ball player to connect to games played in a real life Casino environment. The people can easily see, hear and talk with live merchants in casinos worldwide. Before the introduction of stay seller games at on the web casinos, the outcomes of all games are developed with computer software algorithm, greater referred to as arbitrary number generator. The emotions of enjoying at these on the web games do not need equal enjoyment than when playing at land-based casinos.
Persons still like to travel to the land-based casinos if they want to perform with the sense of stay games. On line casino providers are seeing the possibilities of growing their organization range if they could carry the same casino gaming experience to the net and allow people enter the casino from their desktop. Thus, using a genuine dealer at on line casino could be the development of nowadays & the future in the casino gambling industry. The stay games are involved in real time taken between casinos and the players through webcam video streaming https://www.ezgame88.com/.
Since the live dealer activities are still in the growing phase, not totally all casinos are offered with your features. Even though not all online casinos present stay activities, most of them are going up and becoming stay on line casinos to keep their competitiveness in the gambling industry. The most popular four old-fashioned dining table games: Blackjack, Roulette, Baccarat and Sic Bo have already been commonly integrated with stay dealer functions generally in most on the web casinos offering their players to perform with a genuine supplier through webcam streaming. If you’re online casino participants who like to experience real-time activities, try to find an on the web casino that offers web streaming features.
Every online casino enables their players to register two forms of reports: Enjoyment consideration and Real-player account. However, you won’t be able to try the stay dealer characteristics in a Fun bill mode. Therefore, you need to join up a real-player consideration to be able to have the pleasure of live supplier games. But, it doesn’t show that you have to produce a deposit into your real-player account only to attempt to the activities with live dealer features. There are certainly a few on line casinos providing no-deposit bonuses in the product range of $10 to $25 for just about any player who like to try the casino with internet video loading features, but without risking their own money. These casinos enable you to enjoy making use of their no-deposit bonus and experience the related enjoyment as land-based casino from your desktop. After you meet with the wagering demands of no-deposit advantage, you may also withdraw your winnings.
