Presentation English About Credit Card Senior High School Grade 12

1. CREDIT CARD
“Pros and Cons about Credit Card”

2. OUR GROUP
1. Ari Rizkia
2. Dicka K.
3. Irkham F.
4. Krisna F.
5. Nurul Fajri
6. Zahra Fattah

3. DID YOU KNOW?
Credit cards are no longer a rare item again now. Look at
everyone who shopped to major malls, many of them often
use credit cards as means of payment. Credit card payments
are the tools that are prevalent in some of our communities
and even credit card trend is already a way of life. Credit
cards even provide additional opportunities for consumers to
get the ease of the user in both the transaction and the
payment scheme can be repaid.

4. ACTUALLY, WHAT IS A CREDIT CARD?
According to the Expert Dictionary is defined: “Card
issued by the bank and the like to allow the bearer to
purchase items needed by debt.”

5. HOW TO MAKE A
CREDIT CARD
To make a credit card too, is quite easy, you
just need to come to the bank, meet with
customer service, then you just wait a few
days and your credit card can be used.
Pretty simple and easy is not it?

6. SO WHAT ARE THE
ADVANTAGES OF
CREDIT CARDS?
1. Credit cards can be used to facilitate the payment so that we do
not need to bother carrying cash.
2. Credit cards can be used to collect all forms of expenditure in the
bill so that the time that we can spend more efficiently. Even some
credit cards that have the facility to pay for routine expenses, such
as telephone bills, electricity bills, and water bills.
3. Credit cards can also be used to record our expenses on a regular
basis making it easier for us to manage the family finances.
4. Credit cards can also be used to save our expenses, such as hotel
room discounts, dining discounts at restaurants, or shopping
discounts.
5. No need to carry cash everywhere who would harm us.

7. 6. Expenditures will be listed clearly in a
checking account can be used for cross
checking at home at the end of the month.
7. A credit card gives health insurance services,
travel, theft, or damage to the goods purchased with the card
(to be discussed at the bank at the time of the transaction).
8. Ownership international credit cards facilitate your trip abroad.
9. At the bank, the consumer may have additional cards for your
spouse or child (for a single account), either the card is identical
to the true identity and the pin number of the same or different
additional card numbers and the true identity of his pin
number.
10. Can conduct transactions via the Internet (be careful in
choosing the website).

8. HOWEVER, CREDIT CARDS
ALSO HAVE SOME
DISADVANTAGES THAT
NEED TO BE CONSIDERED
1. When business transactions conducted on the internet, so if the seller
is dishonest, card holders will receive payment from the bank
concerned, but he did not send the items we order.
2. If we need money or want to spend more than ability, we can still use
the card, but that is often overlooked by consumers is the percentage
of consumer credit interest rates are very high.
3. Exchange value of money is determined by the issuing bank, so the
bank is sometimes rather arbitrarily giving an average daily value of
the exchange of money.

9. 5. Not to deal with debt collectors
who often used by the Bank in
Indonesia to collect the debt.
It could be any household will
be taken at the time of billing.
6. At the time of taking cash from
an ATM, the fee charged is directly capture the
amount of about 30 to 40 thousand (depending on
the institution publisher).
7. Administrative burden and interest expenses are too
high if done at an ATM withdrawal.
8. Payments per year which is quite expensive,
including the additional payment for taking money
out of the country, including internet transactions
on websites abroad.

10. RECOMMENDATION
After observing the advantages
and disadvantages of credit
cards, we as consumers are
expected to investigate thoroughly
before making a decision to have a
credit card. Do not get the
advantages possessed by the credit
card offer gives even disastrous in
the future. It is expected also that
consumers may be wise in the use of
the credit card function itself

11. “SAVE YOUR MONEY AND
GET OUT OF DEBT”

12. TODAYS VOCABULIARIES
Word Type Means
Overseas Adj Luar negeri, seberang laut
Purchase N Pembelian
Unexpected Adj Tidak diduga-duga, disangka-
sangka
Mercandise N Barang dagangan
Detriment N Kerusakan, kerugian
Convenience N Alat yg menyenangkan hidup
Disadvantages N Keadaan yg merugikan
Continously Adj Dengan terus-menerus
Carry V Membawa, mengangkat
Favorable Adj Baik, menguntungkan

13. Word Type Mean
Lender N Peminjam
Acquire Adv Memperoleh, mendapatkan
Bankruptcies N Kebangkrutan
Involve V Memerlukan
Cardholder N Pemegang/pemilik kartu
Advance V Memajukan
Authorized V Menyetujui secara resmi
Lure N Bujukan/umpan
Loan N Pinjaman
Swiftly Adv/Adj Dengan cepat/cepat