Tài liệu Tìm hiểu thị trường tài chính Việt Nam hiện nay. doc

CÂU HỎI:
TÌM HIỂU TRÊN THỊ TRƯỜNG TÀI CHÍNH VIỆT NAM HIỆN NAY
CÓ NHỮNG LOẠI THẺ TÍN DỤNG NÀO? ĐIỀU KIỆN PHÁT HÀNH?
CÁCH THỨC SỬ DỤNG?

1. Thẻ ACB Visa /ACB MasterCard:
tổ chức thẻ quốc tế Visa,
MasterCard !"#$! %&#'
(" )*+,*-./01234!56789:
)* "; <#$)"=>?
@!"#A(B
CD7,(E&& 
•  E(BF-.8!G 028!G 
• &E(BF-28!G 0H8!G 
 Điều kiện cấp thẻ
• I JG@?3JKL ME
o NO?<G>P-.Q R!S,T"!U(<G>
o NO?"#"!U(<G>$3&G,& 5R);
(<G>
• I JG@?JOJKL MP@TE
o >?&)O(NOL :$NO,$
NO"#$&V)(GO"#$ORW
P3&:) ,G:4 X8Y)DT
o N3AJ "'!UZX([\N]
o ]B 5!X!G )D
o  R-77028
o N3)G(
o 'O(O:4 .7
Lưu ý: ^: !JO)"=!-&:)*JKL M
Z)U(:"=_`
Oa;bN`&34 W bN`@"'

?&#!G
 Cách thức sử dụng E
 Sử dụng thẻ trong thanh toán và rút tiền:
• )"=c)43$;&()(,K@5
<$]_!N!"E ;$F$$J($)(,K&d
a$J  ,;$aG&G$? ,(aA(<G>&e778L :!
#
• fUJW(!!Ub]"e
G <$]_!N!()A71g71(<G>&Jhe!#
• ,"eB:" )L ")G(&iG
;&!(j_!_ 5G&G)VJ($
A;$A=$  ,;!"#J)"#
 Hiệu quả:
• I"=>?k_kd&@(B
• l!"#0! $+,*-./m12
• ZO=!!JL  !"'J)O
$ n$ ,;!&"#
• ]@JO3o,@ 
OaJ;'! ?bN`
• iG;apa@Jq,(G!#&
,(bN`rap<>I
• >"'<G>c)D<G>!#
• s;&J&JM 56!=()A71g71
IaGL :L ?)t3_)n"#
&&Gnn5$(S"#A
J;'&3$)D'L ,K&J4G L &G
_OL `Oa;
 Tiện ích cho công ty :
• C)"=J(BO?&PID<G>
(GT

• CUNOL ,K&J4G L &G ?&
OL `Oa;
2. Thẻ tín dụng quốc tế Ladies First - Sự lựa chọn khác biệt
`(,uv(^aJJA
!&(!iJaGa(`(w)"=3)aGOL 
  "e  !t    J@ g      (    )4  @  5    
^aJ&<!L :
 Điều kiện cấp thẻ:
I JG E
• L :_x!r!u
• N?"'<G>"#-.Q R!S,
• I:&#"'<G>E3AJ "'!UgZX!);a(
)A?PN]>sg\A &AJ T
• I:&#"'"#E3@'B"!U=(<G
>&3'V,(S<G>!8/
I JG4E
• N?3&G,& 5R);
0?O()e&;G(@,y& 5:4 ,
1!G <>s728z^s{
0?O()e&;G("#y"3R'
O()e&;@,2& 5:4 ,78!G <>s
Chứng minh thu nhậpE
0l5!"S)e&;&)e);@\=)D,)A$
0^J,"eXW@
• N?3&:J&()A!A,o&iJ
@,87& 5:4 ,1!G <>s
7
Chứng minh thu nhậpE
0C@)JKJ$
0`W@

0'J<b8/W@
• N?3;JF(N@8/&
:":4 ,X7!G <>s
Chứng minh thu nhậpEl5?&:"atL ?!/
L &SJ
 Cách thức sử dụng E
• \(B:4 .8888888<>I&:).88888888<>I
• <#_x!$a(34iG&G$!U
a@Be)? a()& ha@BBta( :JO
W')=
Tiện ích
• ZO)a
• ^F!"#m! 
•  5,=!&GL ,K 
• be&G_
• I"="S:)12JO,* @J h
• C; a 5GL j_!_)G(
• )"=@5(!72!G )4!Jh#
• IaGL :L ?)t3_ n&
&Gnn5$(AJ;'
• > "e!t" )*)aG($J($F
'!$3h)|$M$"#
• s;&J71kH
3. Thẻ tín dụng quốc tế Parkson Privilege - Tận hưởng niềm vui mua
sắm
`(,"'G hv`() h([!Jv^
[!J[!&,__r!&[!J
L :[!J[!&,__Ua(L ,K:eap
Ua( uBt :& ,W!
AJ'JOW3)a\*c

)4,})4e& h+a?'
 Điều kiện cấp thẻ:
I JG E
• N?"'<G>"#-.Q R!S,
• I:&#"'<G>E3AJ "'!UgZX!);a(
)A?PN]>sg\A &AJ T
• I:&#"'"#E3@'B"!U=(<G
>&3'V,(S<G>!8/
I JG4E
• N?3&G,& 5R);
0?O()e&;G(@,y& 5:4 
X
,1!G <>s728z^s{
0?O()e&;G("#y"3R'
O()e&;@,2& 5:4 ,78!G <>s
Chứng minh thu nhập:
0l5!"S)e&;&)e);@\=)D,
)A$
0^J,"eXW@
• N?3&:J&()A!A,o&iJ
@,87& 5:4 ,1!G <>s
Chứng minh thu nhập:
0C@)JKJ$
0`W@
0'J<b8/W@
N?3;JF(N@8/&:
":4 ,X7!G <>s
Chứng minh thu nhậpEl5?&:"atL ?!/
L &SJ
 Cách thức sử dụng:

• \(B:4 ,.8888888<>I&:),.88888888
<>I
Tiện ích:
• I"=.)4[!J[!&,__6.8888<>I ap
0>?)O:)4JF([!J
0>5)4JF(ueJ
0~ )R)4[!J[!&,__)45 L ([!J
• ZO)a
• ^F!"#m! 
•  5,=!&GL ,K 
• be&G_
• I"="S:)12JO,* @J h
• C; a 5GL j_!_)G(
• )"=@5(!72!G )4!Jh#
• IaGL :L ?)t3_ n&
&Gnn5$(AJ;'
• C(F'!$M$$J(•
• s;&J71kH
4. Thẻ tín dụng quốc tế OS Member - Giá trị lớn trong một kích thước
nhỏ
`(,"'3)&#OOv`(),&!
€_a€€€P•^Tv•^]_a_!,3uG
@‚&)&5iWk_a(<#
•^]_a_!a(34iG&G$!U(a@Be)?
a()& ha@BBta( :JO')=
 Điều kiện cấp thẻ:
I JG E
1
• N?"'<G>"#-.Q R!S,
• I:&#"'<G>E3AJ "'!UgZX!);a(

)A?PN]>sg\A &AJ T
• I:&#"'"#E3@'B"!U=(<G
>&3'V,(S<G>!8/
I JG4E
• N?3&G,& 5R);
0?O()e&;G(@,y& 5:4 ,
1!G <>s728z^s{
0?O()e&;G("#y"3R'
O()e&;@,2& 5:4 ,78!G <>s
Chứng minh thu nhập:
0l5!"S)e&;&)e);@\=)D,)A$
0^J,"eXW@
• N?3&:J&()A!A,o&iJ
@,87& 5:4 ,1!G <>s
Chứng minh thu nhập:
0C@)JKJ$
0`W@
0'J<b8/W@
• N?3;JF(N@8/&
:":4 ,X7!G <>s
Chứng minh thu nhậpEl5?&:"atL ?!/
L &SJ
 Cách thức sử dụng E
• \(B:4 ,.8888888<>I&:),.88888888<>I
Tiện ích
• ZO)a
• ^F!"#m! 
•  5,=!&GL ,K 
• be&G_
• I"="S:)12JO,* @J h

• C; a 5GL j_!_)G(
• )"=@5(!72!G )4!Jh#
• IaGL :L ?)t3_ n&
&Gnn5$(AJ;'
• I"="S;&B AL :71g71
• > "e!t" )*)aG($J($F
'!$M$;&a!tk_
5.ACB - SAIGON CO.OP , ACB - SAIGON TOURIST, ACB
MAILINH , ACB - PHƯỚC LỘC THỌ
A);bN`,"eG$c)4 
h$;&!UJW\GbN`)*
&)"&F,(A);bN`N!D"e
2
G EbN`0^N0$bN`0^ !$bN`0]&bN`0["#
AnPbN`=&#G:^ ;]k!J$N!$^ ;
]IO$^CN$^C !$O],T "e
G J ") F: &)"=@5(a@Jq)(
,KbN`
<#A);$)"=?@!"#A(B
\(B:4 E7888888)
!"#$! %&#'(" )*+,*-./01234!
56789:)* "; 
 Điều kiện cấp thẻ
• I JG@?3JKL ME
o NO?<G>P-.Q R!S,T"!U(<G>
o NO?"#"!U(<G>$3&G,& 5R
);(<G>
• I JG@?JOJKL MP@TE
o >?&)O(NOL :$NO,
$NO"#$&V)(GO"#$OR

WP3&:) ,G:4 X8Y)DT
o N3AJ "'!UZX([\N]
o ]B 5!X!G )D
o  R-77028
o N3)G(
o 'O(O:4 .7
Lưu ý:
^: !JO)"=!-&:)*JKL M~ KJ
)U(:"=_`Oa
;bN`~ KJ34 W bN`@"'?&#
!G
 Cách thức sử dụng:
Tiện íchE
 <#A);$L KJ34$;
&(e1888)4@5!L :aD ,(t"
F$MG$$J($k$O ,;$)(,K&d
a$ ;$aG&G$
 <34!U()4BbN`&N
$[V;bN`!AJh
 s;&J&JM 56!=()A71g71
 ]B)A&#$t&uJK)"=5R&
!i!
IaG$JA);bN`N!()(,K!i A(
)e&;=&#bN`$)"="S" )*L "e!t
J *)aG)e&;=
6. Thẻ tín dụng VCB:
/
@<N`)"=,JaR<N`0<
b!,_&RBL :b_!ƒk!_3(B
-.8m788!G <>s&r3.,( k

!b_k`O^_<JOt&3a4 "=
taO_!
ZFb_k`O^_<,*R<G>$
!79 4)R(G>"=,($ F(<G>t
)"=+JN)"=,intB&#?
__JqJ
 Điều kiện phát hành:
• THẺ CÁ NHÂN
•
?)BF&; !GJ
)*F):&#>?Ze
0?3JKL}$@E>"'F34F<>I$
(G)4JKL MRJG$@'3!;<N`
@)4!;JKL M@ap.889
(B>"'JKL M)"="S,*PJq(.7T!:
JKL M
0?@E
Cá nhân chưa là hội viên
0N3JF(<N`
0>5!,KL J
0]B,"e:4 ,2!G )Dg3k5Oe,&G
Cá nhân là hội viên hạng thẻ Titan & vàng
0N`N><s>"#3\II()"=eL k5
0><,&G(<[Is$"#$s$RB$R
BL :$?N[3!S(\N]&3 5aL ?,
2!g$3k?OeO
• THẺ CÔNG TY
O);A?)3F!
GJF):&#>? A&
NOOJO)"=

OJKL ME"ei"?JKL M"JKL M$
@}"!G A&O
Thẻ công ty tín chấp
0N3J„F(<N`$3tt:P3,= 5T
0N"3J(<N`"3k5:"e?„Z$3
a,(
" KE^:4Fw)"=,GJ&S));r
4 W $4wF DJt)4
,(>?>?JO!-WJ &
H
:JKL Mw,(:&,*JKL M JJ,
18
 Cách thức sử dụng:
Các tiện ích khi sử dụng thẻ:
fU(.!G b]!#
(Ie&;@5(e788L :&&c,*R
!#
Hưởng các dịch vụ khách hàng
0^J
0^J)4"S
0J@
7.  Thẻ tín dụng Vàng Standard Chartered!
<#^!N!_!_)D=&#>?
"e](…N? PbN`T$a(w5"SA !@!
&)A)tC4 :,? JatA
:,#!,U h) (,Ai)A
^!N!_!_ @J\eu$ " )*
@‚-!G F!W )')3a(
 Điều kiện cấp thẻ:
~ :;E<G>†>"'"#:S<G>

 RE
• N-77)/2 R
• N-.Q)/8 R
JF W E
• J<>I@@,/8!G )DPJF3Jq(
J&*,T
• J(G@@"e)"e&#/8!G )D
\(BE
• J<>I0Q89:F
• J(GmH89:F
\(B@@E1Q!G )D
\(B@E788!G )D
 Cách thức sử dụng:
Đặc điểm:
• ^F()4;)4@5S<G
>&"#!#@5<j^b{
Q
• I"=,in!aA!@789R:"=
{
• fU()4b]$bN`$)4B!"#
$a@Jq?@5<j^b
Quyền lợi:
• ] !"#$! m'(! JF-./)
12$i&iG;
• C(u)4;‡ <%!;
J *bN`<-X0.89" !&G)
VJ(
• C" )*()4;3"e!t
J *&#^!N!_!_!#
•  5G!&Gi)A=&&&G)G$

"#$)G($! t)3a
4
• ! ?"&@JbN`()A71'!'
,&G! ?"&@J^!N!_!_
8. THẺ TÍN DỤNG VIETCOMBANK VIETNAM AIRLINES
AMERICAN EXPRESS
 Thủ tục phát hành thẻ Vietcombank Vietnam Airlines American
Express:
0I:"=En?3 W F
0\DeE
I)W)O!ˆ! W P,G&#
>?T
`7N]>sP)_a)4): T
`A&C[P 3T
0["'E188888<>s
  Thẻ Vietcombank Vietnam Airlines American Express:
0@E
0GE
fU()4)b]&#*:?
 N@5!AJh!#(!G )4@
5
!!"'=@$L KJ34J@r
!&V71cSa@Be)? !#
9. Thẻ tín dụng Visa Chuẩn của Ngân Hàng HSBC
<#<N \^`N$L KJJO')=)43
45"S A:"t :sc, h$ :$!
 ,;$L KJ) 34;!A!*(eX8!G );)4
!      #  c  &#    "  )*  @  ‚  a@  '
Điều kiện đăng ký:
• N?,"'<G>O?"#-.Q R!S,

•  5p@,/!G )D<G>
y
• >?&3@.JG,&GJO)(
?iJ&G3@X()AJ
Hồ sơ đăng ký
Chứng minh giấy tờ cá nhân và địa chỉ cư trú:
NO?<G>
• `P7TN]>sN&NP 3T
• N @@'B);r"'!UN G)
S()(r"'!U@'B);r"'!U&(!U
 NG)S();r(!U
>"'"#
• `A &<Pa@ 5!!"'=JO
W<T
• N @@'B);rN)*J!)e
)JKI;r"'!U"'"#);"(<G
>34S<G>
C@')"=@5)4B);r
• `A!u@' )?34)"=c)4B
);rE^RAJ $ZX$@k5(!U$@N]>sV!;$
ap,k_V!;$3)e)Gg"#aJ?
W@
Hướng dẫn sử dụng
Để mua sắm hàng hóa hay dịch vụ
Tại cửa hàng
\^`N~ KJ) =@5(eX8!G )4
;3!"aa4 "=<Su&;!+@
NrW!t<\^`NJ$"'aw W 
~ KJJK&A3)e3uO&~ K
J&:~ KJWJ4!:!3)e

!"#JJK
^ JJK$uJK~ KJw)"="'a): &#
^ )3"'aw!,(A3)ec&#~ K
J~ KJJ4!,()4!!"'=W,‚&#
"'J
Mua sắm trực tuyến
~ KJ34F\^`N)4 L ((
u!€_aa@5ap<I4
4  eO!a;d!L !t L 
($~ KJ34)JKs;<b!i 
OL s;<>?\!i \^`N
Để rút tiền mặt
~ KJ34!Uap\^`N&*:?P:
[j>T&#(B./!G <>s6$c&(BB
~ KJ<G!U34)"=iGE
‰(b]>?\^`N_aJS<G>
.8
‰(b]>?\^`N!Jh#
‰(b]a@Jq?3a4 "=<j^bg[z^
10. THẺ TECHCOMBANK VISA CREDIT
_aJ<,L :"eG 
<_aJdJ34F)4
iG;!(B)"=_aJ@&L ,K
 Đặc điểm và lợi ích
Đặc điểm
0[(&FE)"=F)4$;&!U
(;i)APb]T&)e&;@53a4 
"=<!&,*R<G>
0\tBa)E@$ZKL MgNW:$@
0'(G ,iE7

Lợi ích
0N !"#$! 
0N)A!&GF&:>?
03g;&(!G )e&;@5<S<G
>&!#
0iG;apa@Jq,(!#
0b$G,=$n|$u 
0s+_Š&L ,KG L &G a?}"
"'?PL TOL J
0'JO!,*:),#12
 Điều kiện sử dụng
1. Đối tượng phát hành thẻ tín dụng
N?,"'<G>"'"#3 W F
&)B) JG&F_aJ&
, 5L );
2. Điều kiện phát hành thẻ tín dụng
0NE).Q R!S,3,i, 5?i&
,i&?i)W)_L );, 5
0NE
I.Q R!S,3,i, 5?i&,i&?i
)W)_L );, 5
\-).2 R+)").Q R3,i, 5?i&
,i&;?i&)"="')(G_, 5"')3
@5&&GF
I"=JiGaAo&,_
L )&GF
]634 W :)87
3. Năng lực tài chính
0[_tB3)a3a,*R
B

N3)a)B)"= W _aJ

!"'=RBa,*?$tRB)
B)"=L );_aJ
N3,i)4)a!=_aJ
0[_tB@
N3,i)4)a!=_aJ
 !t)An&@E-! @!S,
IA RE-77)2Q RP&#T&77)2X RP&#uT
 5:4 EX!G )Dg
<) JGJ_L );_aJ
NrJ)B)) JG&@
_aJ#)"=_aJ@5
_aJ3L @5g-:J
i!L );(-'Jq_aJ
4. Hồ sơ đăng ký
0Ie);
0\=)DF
0`N]>sg\A VG ,i
0`\AJ gZXga:@k5(!U(eSG(
0C@k5OgeL ),&G&'(,&G(<G
>$@d"!U&&VG ,iP):&#"'"#T
11.THẺ T ÍN DỤNG VISA- MASTERCARD
<0]_!N!)"=ƒkaJJ
F)43$;&!U&#
N !"#$! %
 Phạm vi sử dụng thẻ
(<G>&W
 Tiện ích sử dụng
^F D>?B!"#)43$

;&()4@5L :<$]_!N!
I 3$;&L j_!_
fU(b](>?
)e)G$"#$)G($! t$j_!_$•
(€_a_€€€_kaJ&PIJK()?T
\BG,=&J~ KJ??"'k )
O"#$ ,; n34 JO
_ 
s+&J4J(_J
 nS"#POL &GFT
 Loại tiền tệ sử dụng
 C  ;  ap   ,(  ( G  J    &     ,(  
ƒkaJap<G>ID
 Nguồn tiền sử dụng
>?B!"# DF
 Đối tượng và điều kiện phát hành:
.7
I:"=@ENJ_L );ƒkaJP"$
&!"'I(n$ao$?&>?$?$
aA$O?&B$•T3 5=$R);
Z3)aEN?"'<G>$"'"#
3)a
 Thủ tục phát hành thẻ
IJKL (()4;ƒkaJ
!L :$~ KJ @>?@'$De" E
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