Debit card y credit card

Tarjeta de crédito

Con la tarjeta de débito puedes:

- al retirar dinero en los cajeros automáticos el costo es poco o nada.

Realizar pagos en los centros comerciales y por internet.

Esta conectada directamente a tu cuenta corriente o cuenta de ahorro. Al usarla se produce un

cargo directo a esta cuenta, por lo tanto necesitas disponer saldo suficiente en tu cuenta.

Si no tienes fondos no puedes gastar dinero, a menos que tengas un limite asignado a tu
cuenta bancaria

Tarjeta de credito

- realizas compras sin desembolsar dinero en el momento

Tienes la posibilidad de devolverlo en varios plazos.

Tiene su propia vida aparte de la cuenta bancaria

Tiene establecido un límite propio (puedes realizar pagos o retirrar dinero hasta el límite, sin
necesidad de tener fondos en una cuenta)

1 Para obtener una tarjeta de crédito necesitas tener una pension que garantice ingresos
estables.

2 estas obligado a devolver el dinero financiado además de pagar los intereses en el caso que
no devuelvas el dinero durante el periodo sin intereses.

Al retirar dinero de un cajero automatico la taza de interez es muy elevada. (Evitar realizar un
retiro de efectivo)

Seguridad:

Ambos pueden hacer compras con sus tarjetas, pagar en las tiendas o por internet, ambas
tarjetas reemplazan el dinero en efectivo, ambas son muy parecidas pero en realidad son dos
herramientas diferentes.

https://www.youtube.com/watch?v=z3Ha78V9ZnQ

profe Jesica Villanueva salas

ingles técnico en hotelería y turismo

junior Duran soto Goitia

Pay with credit cards

Nowadays, credit card payment has become the most common payment method. Some of the
best known brands are American Express, Diner's Club, Visa, Mastercard, JCB, etc. The agent
obtains the card at the time of registration and has a fingerprint. In the whole hotel there is a
computer system by which the agent can know if the card is valid or not with enough money.
This is known as card approval.

The computer automatically calculates the anticipated amount of money that will be charged
when calculating the room rate and the amount of stay.
Debit card

With the debit card you can:

Withdrawing money at ATMs the cost is little or nothing.

Make payments in shopping centers and online.

It is directly connected to your checking account or savings account. When using it there is a
direct charge to this account, therefore you need to have sufficient balance in your account.

If you do not have funds you can not spend money, unless you have a limit assigned to your
bank account.

Credit card

You make purchases without disbursing money at the moment.

You have the possibility to return it in several installments.

It has its own life apart from the bank account.

You have established an own limit (you can make payments or withdraw money up to the
limit, without having funds in an account)

1.- To obtain a credit card you need to have a pension that guarantees stable income.

2.-You are obligated to return the money financed in addition to paying the interest in the case
that you do not return the money during the interest-free period.

When withdrawing money from an ATM, the interez cup is very high. (Avoid making a cash
withdrawal)

Security:

Both can make purchases with their cards, pay in stores or online, both cards replace the cash,
both are very similar but in reality are two different tools.