Indtil for ganske nyligt betalte alle naturligvis med mønter og sedler, men i Danmark er den tid for længst overstået. I dag betaler næsten alle med kort, men hvorfor er det?
Forklaringen er ganske simpel. I dag har kreditkort med debet og kreditkort med kredit den store fordel, at man til enhver tid kan betale for næsten alting ved blot at stikke kortet ind i betalingsmaskinerne.
Om man skal have et hus, en bil eller blot nogle få varer fra en dagligvarebutik, så kan det alt sammen gøres på et øjeblik.
Forskellige valutaer
Den største fordel ved betalingskort er dog ikke, at man nemt kan betale i en butik, men at man kan betale i næsten alle butikker overalt i verden. Når man tidligere skulle til udlandet, plejede man at skulle veksle alle sine penge i banken eller i det fremmede land, men det er gjort meget nemmere nu, hvor betalingen går direkte igennem til banken.
Det betyder selvfølgelig også, at man ikke længere behøver at skulle kende de præcise vekselkurser, når man skal veksle eksempelvis dollar til dkk. Det kan selvfølgelig stadig være en fordel at kende raterne, men det er ikke længere noget, man behøver at spekulere meget over.
Hvad er et kreditkort egentligt?
Det kan dog også være relevant at vide, præcis hvad et kreditkort egentlig er, og hvordan man skelner mellem kreditkort med debet og kreditkort med kredit.
Forklaringen er dog ganske simpel. Debet minder meget om kontanter. Her betaler man på stedet, og pengene bliver trukket direkte fra bankkontoen. Det betyder dog også, at der er en grænse for, hvor meget du kan bruge ad gangen. Desuden er man afhængig af, at bankkontoen stadig har penge. Har den ikke det, kan man ikke købe noget.
Modsat er kredit. Her betaler man først senere og skylder dermed penge til den, man køber fra. Desuden er man i stand til at betale et større beløb ad gangen.
At man først betaler senere betyder også, at man er i stand til at gå i minus på bankkontoen, og har man et MasterCard, vil pengene først blive trukket efter 45 dage. I denne periode er betalingen også rentefri. På den måde har man altså mulighed for at kunne købe mere med et kreditkort med kredit.
Man skal dog også være opmærksom på, at man i mange lande ikke kan bruge et kreditkort med debet.
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