Nonghyup Card, credit card, check card, choose wisely! 1000-character complete comparison guide
Are you thinking of issuing a Nonghyup card? Nonghyup Card offers two products, a credit card and a check card, and each has different pros and cons, so you may have a hard time choosing. 이베이스매뉴얼
In this article, we will compare and analyze the main differences between Nonghyup Card’s credit cards and check cards and provide detailed information on the characteristics and recommendations of each product to help you make a wise choice.
1. Payment method: 농협 체크카드 발급
Credit card: Spend now and pay later. You can use it by receiving a credit limit from the card company, and if you pay the amount in one lump sum at the end of the next month or pay it within the payment period, you can use it without the burden of interest rates.
Check card: A payment method that can be used up to the amount of balance in your bank account. The card usage amount is automatically withdrawn from your bank account balance in real time. In other words, check cards have the advantage of being able to limit your spending range to your bank account balance in advance.
2. Credit limit:
Credit card: There is a limit granted depending on the individual’s credit status. You can use the amount you want within the limit, and if you pay the amount within the limit all at once or within the payment period, you can use it without being burdened with interest rates.
Check card: There is no credit limit, and you can use it up to the balance in your account.
3. Cash out:
Credit Card: You can withdraw cash up to your credit card limit through an ATM. However, cash withdrawal fees and interest rates apply when withdrawing cash.
Check card: Most check cards allow you to withdraw cash up to your account balance through an ATM. Although cash withdrawal fees may apply, they are much cheaper than credit card cash withdrawal fees and interest rates.
4. Income:
Credit Card: When issuing a credit card, you must submit documents proving your income. Your income must be above a certain level to be issued a credit card.
Check card: Most check cards can be issued without income restrictions.
5. Annual fee:
Credit Cards: Most credit cards incur an annual fee. The annual fee varies depending on the card type and level, but is generally around 10,000 to 100,000 won per year.
Check card: Some check cards incur an annual fee, but most check cards can be issued for free.
6. Benefits:
Credit card: Various discounts, shopping benefits, mileage accumulation, etc. are provided. Benefits provided vary depending on card type and level.
Check card: Nonghyup affiliated stores, such as Nonghyup Mart and Nonghyup Hana Mart, often offer discount benefits. Additionally, some check cards provide benefits such as overseas travel insurance and shopping insurance.
7. Recommended for:
Credit card:
If your income is above a certain level and you want various discounts and benefits
If you prefer to use a card rather than cash and find it difficult to pay in one go
If you want discounts on airline tickets by accumulating mileage