Bank Negara Indonesia - BNI

Bank Negara Indonesia - BNI

Credit card is not just a lifestyle, but it is a necessity for modern society to support all activities of daily living. All business or personal purposes, ranging from finance official travel, entertaining clients to the cost of child birth, daily shopping or on holiday with loved ones, can be fulfilled by BNI Credit Card.

With broad acceptance throughout the world, BNI Credit Card gives meaning to every transaction. Two product options BNI Credit Card-VISA or MasterCard transactions guaranteed acceptance at millions of places around the world shopping.

BNI Credit Card can also provide the solution your office expenses more efficiently with BNI VISA Corporate Card.

Enjoy a variety of facilities and services credit card products from Bank BNI:

* BNI MasterCard

* BNI VISA

* BNI VISA PLATINUM

* BNI VISA Corporate Card

* BNI VISA Affinity Card: Card ITB, IPB Card, Kadin Jakarta Card, etc..

With an easy and requirements as well as a mild interest only 2.95% per month, BNI Credit Card is the right choice for your ease of transactions daily. For more information please contact the Telephone Service Call 24 Hours BNI at (021) 5789-9999 or 68888.

Official Site

BNI - Bank Negara Indonesia

Bank Central Asia

Bank Central Asia

Products and Services

BCA in order to become Payment Settlement Agent (PSA) in Indonesia's largest, providing a variety of financial services to help companies manage their finances.

Corporate loan products (Working Capital Loan, Investment Loan, and Bank Guarantee) is intended to help you manage your business daily. BCA also provides facilities such as export and import L / C, Negotiation, and discounting and 1863 in cooperation with correspondent banks in 106 scattered around the world.

Our financial services consist of Spot, Forward Swap till. We provide two deposit products to choose from the Giro BCA and Time Deposits. Our entire banking services are supported by professional staff who are experts in their fields.

You also can manage your business finances with an efficient way through the BCA facility By Phone and Internet banking business KlikBCA so you can access your account at any time and from anywhere without having to come to our offices.

BCA's Electronic channels varies greatly and allows you to perform various banking transactions such as payroll, credit card payments, transfer funds in Rupiah, USD and SGD. You can also obtain details of mutations account, balance information and other information. Services are designed in such a way that is able to meet your banking needs. Supported by the latest IT technology, BCA ensure the security and confidentiality of your electronic banking transactions.

BCA Remittance Service allows you to transfer funds in foreign currency accounts and foreign destinations in the country, and receive transfers from abroad to Indonesia. BCA Inkaso services to help you, check cash in rupiah or 12 other foreign currencies.

Official Site

Bank Central Asia

RBS - Royal Bank of Scotland

Royal Bank of Scotland

Royal Bank of Scotland Group was established in 1727 with the operating area that includes a global network, providing international-class banking services, as well as the best financial services to assist our customers in a make it happen.

In Indonesia, RBS offer a range of products for corporate customers of cash management, trade services, working capital facilities, derivatives, structured finance, foreign exchange, fixed income, corporate finance and equity capital markets transactions. We also have a Royal Preferred Banking is intended for customers who seek comfort and features a unique, premium banking services and get a variety of investment opportunities.

With the acquired ABN AMRO, RBS aims to develop the retail, corporate and institutional bank in Asia to be a leader and trusted in offering benefits to all customers in Indonesia. For more information please visit www.rbs.com.

About ABN AMRO

ABN AMRO Netherlands-based, is an international bank with total assets 1,025.2 bln (as of 31 December 2007). ABN AMRO was acquired by the Consortium of RBS, Fortis and Santander in October 2007 and a variety of business divided by 3 bank tailored to each priority strategy. More information about the acquisition and transition of ABN AMRO may visit the website www.abnamro.com / future or the websites of the consortium of banks: www.rbs.com, www.fortis.com and www.santander.com.

Beginning in 1824, ABN AMRO has been operating in Indonesia since 1826. In 2006 we celebrate 180 years of ABN AMRO in Indonesia. Today, ABN AMRO as foreign banks have the largest network of 20 branch offices spread across 10 major cities Jakarta, Surabaya, Bandung, Medan, Makasar, Manado, Semarang, Solo, Denpasar and Balikpapan.

Official Site

RBS - Royal Bank of Scotland

Apply To Credit Card

Apply To Credit Card

When you when you apply to credit card, the company assumes that you agree to the terms and condition even though you may not really understand it. Most people do quickly without attention to what should be done.

Be proactive

Be proactive. The goal is to find a credit card that works for you by offering low interest rates, service incentives and so on. Always read and understand the offer given to you. We always given great feedback and seductive with a low interest loan, but we must be careful in responding to all of this. It would be better if you gather information about various credit card until you are confident with your choice. look at the financial magazines, newspapers, or websites that provide such information.

Cardratings.com - one of the most comprehensive site for comparing credit card free resource. The most unique feature is the "Consumer Reviews" section, where about 20,000 credit card holders based on various criteria such as cost, awards and customer service.

Consumer Protection

Consumer Protection For Credit Card Owner

Credit cards also offer consumers more protection. On the purchase of an item, if we buy the items still have the guarantee of return (usually 90 days), you usually get Cash back when in case of loss or damage to the items we buy.

Likewise privilege charge back is an advantage for credit card holders because law protected. This is very useful when you have a dispute with the merchant for goods or services purchased with a credit card.

Bank treaty for credit card account is a raw deal, because the agreement is enforced in a mass, has a certain standard, and made by the business community. These standard agreements are allowed is based on the principle that is freedom of contract law.

If your credit card is lost, you better leave your report to the bank as soon as possible to block your card and you can immediately reported to the police. All this ways to avoid the misuse of you credit card which will harm you.

Credit Card Anatomy

Credit Card Anatomy

Today, credit cards design are very diverse and varied. But basically they have a function and the same anatomy. Here's an explanation about credit card anatomy

Front:

A. Issuer Card
B. Card Program
C. Credit Card Numbers (16 Digit)
D. Member Since
E. Expired Date
F. Costumer's Name
G. Card Link Logo

Behind:

H. Magnetic Ribbon (Data Saver)
I. Owner Signature
J. ATM Logo

Credit Card and Debit Card Basic Information

Credit Card and Debit Card Basic Information

Credit Card Basics
Credit cards are means of payment by credit, which we can make payments without using cash. By signing up for a credit card, you agree to pay back the money that you borrow, plus any interest or finance charges that accrue on the amount you owe until you’ve paid it all back. Put simply, credit cards are a type of loan. Liability users with installment is paid a certain minimum amount of total transactions (usually between 5-10 percent of the total bill) to be paid on the due date specified each month.

Debit Card Basic
Debit card is a type of card that can be used to withdraw cash through ATM. If we have some money in our bank account we can request an ATM card or debit card from the Bank (in accordance with the bank facility). Every time we can get cash at an ATM or use as a medium of payment in accordance with the maximum amount of money we have in the bank. So this card is not a payment card, but only to provide convenience to customers of the bank in making a payment without having cash.

Debit or Credit—Which Is Better?
The answer is, it depends. How careful are you? How do you actually use your card? Can you trust yourself not to rack up a pile of debts? The features that make debit cards convenient instant access to your money, plus the ease of not having to write a check and often not having to drag out your photo ID also make fraud much easier. Unless reported quickly, theft of your debit card can quickly deplete your bank account. A thief can spend all the money in your checking account in a matter of minutes, leading to bounced checks, overdraft fees, and a major headache! This is where there’s a big difference between credit and debit cards.

The Power of Credit Cards

The Power of Credit Cards

With more than a billion cards out there around five cards for every American it’s a safe bet that you’ve got at least one handy. Take a good look at it. What does it represent to you a financial management tool or a burden?

Do you receive many benefits from your cards, or is the lender the one receiving all the benefits, in the form of interest payments and fees from you?

Credit makes it easy to buy what we need and want, but in this society obsessed with obtaining all kinds of things, credit can become a crutch instead of a convenience. Still, credit cards have become virtual necessities in our capitalistic, technology-driven society. Try to rent a car without a card, and you’ll see what I mean!

With credit cards, shopping online is a breeze. What about reserving airline tickets? Ordering from a catalog? And mailing a check is almost a thing of the past. Using a credit card is faster, easier, and generally a more secure way of doing business.

What’s more, you can get many other benefits from them, including generous gift certificates, airline tickets, and cash rebates. If you’re wondering how that can be possible, it’s largely because of competition. At any given time, typically thousands of competing credit card offers are targeting you. Card issuers want your business so badly that they’re willing to dangle all sorts of juicy carrots in front of you, chock full of tempting rewards and rebates.

Industry research indicates U.S. card issuers will spend $18.4 billion on rewards in 2010. In 2006, they “only” spent $10.3 billion. If they’re giving away that much to get and keep our business, imagine how much money they’re making! Still, isn’t it great that competition is so tough for them, they have to offer generous perks just to woo and keep us? If you “play your cards right,” you’ll become what lenders call a deadbeat, meaning you reap the rewards of your cards without paying any interest or fees. Or maybe you’re a cardholder with revolving debt, which Bézard, Gwenn.

Loyalty & Rewards: A Market Overview.
Aite Group. Statistic retrieved from aitegroup.com/reports/200701181.php From the Library of Melissa Wong means you don’t pay off your balance in full each month and you do pay interest.

If you fall into this category, you’re the credit card issuers’ ideal customer. Whichever type of card user you happen to be, you can learn a lot about using credit wisely, getting out of debt, avoiding a high-debt lifestyle, and taking advantage of the benefits and rewards of card usage. That’s just the kind of valuable information we focus on in this book. In fact, a very unique value proposition of this book is that credit cards can significantly enhance your financial well-being. Stick around, and I’ll empower you to become a savvy credit card user who wisely manages your lastic for personal profit!