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Advantages for the customer using a credit card for the payment of goods and services. A card that charges no interest but requires the user to pay their balance in full upon receipt of the statement, usually on a monthly basis. While it is similar to a credit card, the major benefit offered by a charge card is that it has much higher, often unlimited, spending limits. A charge card is meant to be paid off in full every month. 

Advantages for the customer using a credit card for the payment of goods and services • Easy to convert ▫ Transact money of more than one currency, from one country to another • Purchase Power and Ease of Purchase  ▫ Light and easy to store ▫ Deal with company doesn't accept cash purchases Advantages for the customer using a credit card for the payment of goods and services • Convenient remote purchasing ▫ Ordering or shopping online or by phone • Security ▫ Security systems of credit card companies can protect your account if you lose your credit card or the number gets stolen ▫ Some companies will also alert you if they notice any suspicious purchases showing in for your account Advantages for the customer using a credit card for the payment of goods and services • Emergencies  ▫ Sometimes emergencies (such as your car breaking down or flood or fire) may lead to a large purchase • Free Loan ▫ Able to pay off entire credit card balance each month is the same as having a free month-long loan Advantages for the customer using a credit card for the payment of goods and services • Cheaper for short-term borrowing ▫ Interest is only paid on the remaining debt, not the full loan amount.  • Credit Card additional benefits ▫ Discounts from particular stores or companies ▫ Bonuses such as free airline miles or travel discounts ▫ Special insurances Advantages for the customer using a charge card for the payment of goods and services • A card that charges no interest but requires the user to pay their balance in full upon receipt of the • statement, usually on a monthly basis While it is similar to a credit card, the major benefit offered by a charge card is that it has much higher, often unlimited, spending limits A charge card is meant to be paid off in full every month.  Advantages for the customer using a charge card for the payment of goods and services • Paying the Balance in Full ▫ Paying your balance in full on a monthly basis is helpful in avoiding finance charges or other charges that would accrue if you used a credit card • No Limit ▫ No limit amount placed on how much you can spend As long as you are disciplined enough to pay off your card at the end of the month, then this is a convenient feature to have Advantages for the customer using a charge card for the payment of goods and services • Cannot lead to debt : ▫ As the amount of bill cannot be postponed ▫ Customer have to pay complete bill on due date every months, => never fell in the situation of accumulated bill Advantages for the customer using a charge card for the payment of goods and services • Travel Benefits: American Express charge cards offer a number of different travel benefits Depending on the card level, you may get benefits like travel accident insurance, car rental collision coverage, luggage insurance, phone concierge service, and various travel discounts Their Platinum Card offers the most but considering its $450 annual fee, it won’t make sense for the vast majority of the population since the benefits are geared towards frequent travelers Advantages for the customer using a charge card for the payment of goods and services • Easy Purchasing ▫ Makes purchasing very convenient in many ways    Make purchases online instead of having to stand in line at a retail store Charge cards allow travelers to be comfortable no matter where they go Decreases the amount of money you need to carry on  Evaluate your ability to budget your finances and make a monthly payment ▫ Having a charge card is a personal choice in many aspects Advantages for the customer using a charge card for the payment of goods and services • Contribute to reduce the amount of cash in circulation ▫ Decrease the pressure of cash in circulation ▫ Reducing the cost of transportation, distribution and inventory of money in the economy, and eliminate fake money Advantages for the customer using a charge card for the payment of goods and services • Improving the commercial civilization, attracting tourists and foreign investors ▫ Create very favorable conditions for the integration of the Vietnamese economy with the world economy in the areas of: finance banks through international card organization ▫ Attract many foreign investors and tourists ▫ Safety, efficient, accurate, fast and create trust with the people on the operation of the banking system • 1, The agent can offer a complete range of travel services (car rental, insurance, all travel tickets, holiday and business travel) to be paid immediately by the plastic card ▫ advantages: travel agency ▫ reason: paying by plastic card is fast, convenient and safe; and travel agent won't have to suffer any delay • 2, there is no clearing delay as with cheques payment is guaranteed providing the usual points are checked ▫ advantages: travel agency & retailer ▫ reason: this advantages clearly goes to the seller (payment receiver) : they get the payment which is guaranteed and checked and in this case that seller can be retailer ( receives payment from customers ) or travel agency ( receive money from both traveler and retailer ) • 3, clients with cards have a great deal of spending power, and this can be to the travel agency's advantage Payment made to travel agent by credit card are safer than other forms of payment ▫ advantages: travel agency ▫ reason: like number 2, the advantages goes to the seller, and in this case it's travel agency • 4, clients not have to make a journey to the agency but can pay balances, for example by telephone, giving credit card details ▫ advantages: retailer ▫ reason: this is the benefit of buyer - maybe retailer or traveler • 5, added security and convenience for client and retailer ▫ advantages: clearly goes to retailer • 6, cards are swiped through an automatic machine which then give approval of the client's credit rating ▫ advantages ... basis While it is similar to a credit card, the major benefit offered by a charge card is that it has much higher, often unlimited, spending limits A charge card is meant to be paid off in full... customer using a charge card for the payment of goods and services • Travel Benefits: American Express charge cards offer a number of different travel benefits Depending on the card level, you may... Free Loan ▫ Able to pay off entire credit card balance each month is the same as having a free month-long loan Advantages for the customer using a credit card for the payment of goods and services