In addition to issuing an ATM card, debit card issuing bank as well. Actually debit card is an ATM card itself. Due to the technological development of more advanced and more complex demands of public life, automatic increase function becomes ATM card debit card. Virtually all the banks that issued the ATM card ATM cards also function as debit cards. So what exactly is the debit card itself? How to have it?
Understanding Debit Card
A debit card is a plastic card type that we can use to shop at any store that received it. It works similar to a credit card where quite rubbed into the EDC. Not just the way it works is similar but also the exact shape of credit cards. There cardholder name, card number, expiry date, etc.
To get a debit card, the procedure is as simple as getting an ATM card. We just came to the nearest bank and volunteered to savings customers. Bank definitely will issue a debit card or ATM card that also functions as a debit card. Called debit cards because every time we use this card to shop it will automatically debit (reduce) the balance of our savings.
If our savings accounts $ 1,000,000, then we are shopping for clothes for Rp 200,000, automatic savings balance of USD 800,000 remains on the spot. Exactly the same as an ATM card where when withdrawing cash from an ATM machine then automatically balances truncated. If you do not cut the balance of savings, then the money who is cut? Of course impossible not? So do not ever believe in the people who supposedly said hold or sell the software, trick or programs that could attract money ATM machine without taking other people's money. Fool all! That there are other people to duplicate ATM cards and draw the balance of the person. Not the bank balance directly.
When the balance of our savings are exhausted, then this debit card can no longer be used for shopping. This is what makes it a little different from a credit card. If the credit card does not use the balance of our savings banks but rather use the funds lent to us first. So the balance of our savings intact.
Macam-Macam Debit Card
Debit card is viewed from the side of acceptance for shopping can be categorized into several types namely:
Debit card which can be used is limited only in certain towns or in the country where the bank issuing the card to operate it can be said the local debit card. Debit card like this can not be used for cross-country shop. At the beginning of its development, this type of card may still exist. Along the days of these cards may no longer exist except in small countries, poor or underdeveloped.
While regional debit card is a debit card that can be used to shop cross-border but limited in certain areas such as ASEAN, Europa, and so on. Usually are the countries in which the card-issuing bank also opened a representative office or branch operations there. Examples of regional debit card as we know it is was PASSPORT BCA. This card can not we take it to countries in Europe, Asia or America to shop because there is no VISA or MasterCard logo. But if we use it to withdraw cash at ATM machines around the world still allows for existing Cirrus and Maestro logos. Each logo has its own functions and facilities.
While the international level debit card is a debit card that can be used in almost all developing countries banking. Examples of which are international debit cards are debit cards bearing the "VISA Electron" or "MasterCard Electronic". From any bank issuer during the VISA or MasterCard can be used to shop up to the end of the world. Examples of products is a debit card, Bank Mandiri, CIMB Niaga, Maybank BII, Danamon, etc. We need to see is the logo instead of the name of the issuer bank. The average of all banks in Indonesia issued a debit card that can be used internationally. And as the development of the banking industry then almost all debit cards can now be used globally.