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Message Board > The tin dung phu la gi trong linh vuc Ngan hang?
The tin dung phu la gi trong linh vuc Ngan hang?
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Anonymous
Guest
Sep 23, 2025
10:12 AM

Trong thoi dai cong nghe phat trien, viec su dung the tin dung da tro thanh mot trong nhung phuong thuc thanh toan pho bien nhat. Khong chi don gian trong viec thanh toan mua sam, the tin dung con mang den nhieu tien ich hon cho nguoi dung, dac biet la trong linh vuc Ngan hang. Tuy nhien, ngoai the tin dung chinh chu, con co mot loai the khac duoc goi la the tin dung phu. Vay the tin dung phu la gi va co tac dung nhu the nao trong nganh Ngan hang? Chung ta hay cung tim hieu ve van de nay.




Xem Chi Tiet Bai Viet Tai: the tin dung phu la gi

Khai niem ve the tin dung phu

The tin dung phu (supplementary credit card) la mot loai the duoc cap kem theo the tin dung chinh chu (primary credit card) cho cac thanh vien trong gia dinh hoac nguoi than cua chu the chinh. The tin dung phu co so tai khoan va muc han muc rieng, duoc rut tien va su dung doc lap voi chu the chinh. Tuy nhien, cac khoan thanh toan tren the tin dung phu van duoc tinh vao tong so no cua chu the chinh va phu thuoc vao nguoi chu the chinh tra.


Xem Them Tai: Tim hieu ve the tin dung phu - mot lua chon tai chinh thong minh


The tin dung phu duoc su dung pho bien trong cac ngan hang lon, dac biet la nhung ngan hang co chuong trinh the tin dung phong phu va da dang nhu Ngan hang TMCP A Chau (ACB), Ngan hang TMCP Quoc te (VIB), Ngan hang TMCP Dong A (DongA Bank), Ngan hang TMCP Sai Gon Thuong Tin (Sacombank), Ngan hang TMCP Viet Nam Thinh Vuong (VPBank) va nhieu ngan hang khac.


Xem Them Tai: The tin dung phu la gi trong linh vuc Ngan hang?


Uu diem cua the tin dung phu

The tin dung phu mang lai nhieu loi ich cho nguoi su dung nhu:


Xem Them Tai: The tin dung phu va vai tro cua no trong linh vuc Ngan hang

  • Duoc cap kem voi the tin dung chinh chu mien phi hoac voi muc phi thap hon so voi the tin dung doc lap.

  • Giup quan ly chi tieu cua gia dinh hieu qua hon, dac biet la trong truong hop can phai chi tieu nhieu cho cac khoan mua sam hang thang nhu thuc pham, tien dien, nuoc, internet, truyen hinh cap, dien thoai, gui tien tiet kiem, thanh toan hoa don…

  • Diem tich luy tu cac giao dich tren the tin dung phu co the cong don vao tai khoan cua chu the chinh va su dung de doi qua tang hoac giam gia trong chuong trinh khuyen mai cua ngan hang.

  • Giup tang han muc chi tieu va co hoi vay von tu ngan hang, dac biet la trong truong hop chu the chinh khong du kha nang thanh toan nhung khoan no lon.

Nhung han che cua the tin dung phu

Mac du mang lai nhieu loi ich nhung the tin dung phu cung co nhung han che can duoc luu y:


  • The tin dung phu co the gay ra nhung tranh chap ve tai chinh va khien moi quan he trong gia dinh bi cang thang, dac biet la khi cac thanh vien trong gia dinh khong thong nhat ve viec chi tieu hay khong kiem soat duoc viec su dung the.

  • Chu the chinh phai chiu trach nhiem ve tat ca cac khoan thanh toan tren the tin dung phu, ke ca khi ma nguoi su dung the khong chiu trach nhiem tra no.

  • The tin dung phu khong duoc su dung de rut tien mat tai cac cay ATM, chi co the su dung de thanh toan mua sam tai cac cua hang co chap nhan the tin dung.

Cach dang ky va su dung the tin dung phu

De dang ky the tin dung phu, chu the chinh can den ngan hang cap the de lam thu tuc dang ky va ky hop dong. Tuy nhien, viec cap the tin dung phu khong phai luc nao cung thuan loi. Ngan hang se xem xet kha nang thanh toan va han muc tin dung cua chu the chinh truoc khi quyet dinh cap the tin dung phu hay khong.

De su dung the tin dung phu, nguoi su dung phai co mat khau rieng va chi duoc su dung de thanh toan mua sam tai cac cua hang co chap nhan the tin dung. Mot so ngan hang con cung cap cho nguoi su dung the tin dung phu mot so dich vu khac nhu thong bao bang tin nhan ve cac giao dich tren the, kiem tra so du tai khoan, mo tai khoan tiet kiem truc tuyen, thanh toan hoa don truc tuyen…

Tong ket

The tin dung phu la mot giai phap tien loi cho nguoi su dung the tin dung, dac biet la trong viec quan ly chi tieu va tang han muc chi tieu. Tuy nhien, viec su dung the tin dung phu can duoc thuc hien can than va co ke hoach de tranh nhung rui ro tai chinh va xung dot trong gia dinh.

VPBank la mot trong nhung tap doan tai chinh hang dau tai Viet Nam, voi hon 30 nam hoat dong trong linh vuc ngan hang va tai chinh. Voi su menh "Vi mot Viet Nam thinh vuong", VPBank luon dat loi ich cua khach hang len hang dau va khong ngung cai tien va doi moi de mang lai nhung dich vu tai chinh tot nhat cho khach hang. Voi he sinh thai mo rong khac biet, VPBank dap ung day du nhu cau cua khach hang voi cac san pham va dich vu da dang nhu ngan hang ban le, ngan hang thuong mai va dau tu, bao hiem, tai chinh tieu dung, quan ly tai san va dau tu. Dac biet, VPBank con co nhung giai phap tai chinh dot pha va hieu qua cho doanh nghiep va cac to chuc. Voi mot lich su phat trien ben vung va uy tin, VPBank da va dang la doi tac tin cay cua hang trieu khach hang tren khap ca nuoc. Dieu nay chung to su cam ket cua VPBank trong viec mang lai gia tri that su cho cong dong va dong gop tich cuc vao su phat trien kinh te - xa hoi cua Viet Nam.


#the_tin_dung_phu_la_gi_, #thetindungphulagi, #VPBank, #VPBank, #VPBank


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