Things to know when shopping for technology goods with a credit card

The purchase of technology items such as computers, smartphones, tablets or smartphones ... will become easier when using a credit card to pay. However, it is also the reason that becomes a financial burden for cardholders when they swipe and release the card without consideration.

Shopping for technology items is more convenient with credit cards

Credit cards are the "spend first, pay later" cards that banks issue to you based on the proof of income or assets you own. If the income is higher, the credit limit that the bank gives you will be very high, up to a billion. This helps you shop for technology goods without having to worry about lack of finance.

The payment of technology goods and expenses by credit card helps you save more time and bring higher safety than cash means. With the compact card in hand, you can go anywhere, shop anywhere as long as it accepts credit card payment, bringing the luxury that cash cannot bring.

Besides, credit cards are also useful friends in case of needing cash directly but you do not have an account such as paying hospital fees, tuition .... Just need to go out at the bank's ATMs issuing cards or affiliate banks means you can get the cash you need.

In addition, credit cards are highly secure, help you make transactions without worrying about information theft or card fraud, helping to minimize the risk of losing money when carrying a lot of cash with you. This is essential when hunting for technology items on occasions of great favor, with a large user base.

Get more deals when shopping for technology items with credit cards
Discounts up to 50%

In addition to convenient and safe payment, when using your credit card to buy technology items, you also receive super attractive discount offers from card issuers. This helps you hunt for essential items at a cheaper price, more economical.

For example, with VIB International, when buying Galle Watch products at Galle Watch branches nationwide, you will receive up to 8% discount on the total bill when paying by VIB credit card.

0% interest installment with a term of up to 12 months

Not only discount, when paying by credit card, you can also participate in the 0% installment shopping program for technology items at affiliated partners of the card issuing bank with the installment period from 03, 06, 09 to 12 months depending on the item and unit sold.

If you are a VIB Mastercard credit card holder, you will be able to buy electronics - technology in the form of 0% interest installment by credit card for a period of up to 12 months at associated partners. Associated partners include: Lazada, Nguyen Kim, Cho Lon Electronic - Furniture Supermarket, Samsung, Tiki, Hoang Ha Mobile, CellPhones, Thien Hoa Electronics, MPOS, FPT, Media Mart, Di Dong Viet, Future World , Lotte E-Commerce, Vimo.

Enjoy many benefits when shopping for technology items with credit cards

Besides enjoying discounts and installments with 0% interest, the purchase of technology items by credit card also offers many outstanding benefits for cardholders.

Currently, most card issuing banks offer bonus, reward or cash-back rewarding shopping programs to boost demand for credit card purchases.

When using VIB Mastercard credit card to pay for shopping, services, cardholders can participate in the program of earning points or receiving rewards from VIB International Bank. Give gasoline to VIB Happy Drive card, earn points to get gifts evoucher at hundreds of famous brands for VIB Reward Unlimited cardholders. In addition, VIB Cashback credit cardholders also participate in the cashback program with a refund of up to 10%

Shop for technology items with credit cards - get cool gifts from VIB

Accordingly, 125 customers with the highest total online shopping spending from now until 30/04/2020 and using VIB credit card to pay will be determined by VIB to receive gifts with corresponding prizes: 02 first prizes: Anker-Soundcore Liberty Air Bluetooth Headset, 36 second prizes: Anker-Soundcore Flare Bluetooth Speaker and 87 third prizes: Anker-Powerwave Wireless Charger.

To be eligible for the prize, in addition to high total online spending, you must have minimum spendings: 4 online transactions / entire program, including 2 transactions to save information Primary card VIB credit card on the app at checkout.

The note when shopping for technology items with a credit card

Credit cards bring many outstanding utilities to you in the purchase of technology items, but it is also the cause of financial burdens. Therefore, when using a credit card to spend on shopping, you should pay attention to the following points:

+ Avoid spending beyond your ability to pay: when you swipe the card, consider carefully, is the total revenue likely to cover the total expenditure? Avoid the situation of "lighter gas" and then try to pay both principal and interest.

+ Pay on time for credit card payment: if you swipe it, you can pay it, avoid the situation that 
when statement period comes, you do not have enough money to pay to the card issuing bank, then you will incur a not-cheap interest rate. In the case of not paying 100%, pay the minimum payment to maintain credit score, while reducing costs incurred.

+ Need to find out carefully the fees when applying the 0% interest installment payment method via credit card in order to best balance the financial situation..

+ Buy the items you need, not for the momentary fad, but carry a debt of credit on your shoulders, which will greatly affect your dealings with banks later.

Be the smart consumer when holding your favorite technology item at a good price without worrying about debt. Quickly open credit cards to discover and enjoy many attractive offers!