{"id":5206,"date":"2013-05-03T11:55:30","date_gmt":"2013-05-03T03:55:30","guid":{"rendered":"http:\/\/www.imoney.my\/articles\/?p=5206"},"modified":"2018-01-12T09:57:45","modified_gmt":"2018-01-12T01:57:45","slug":"perkara-perkara-yang-anda-perlu-tahu-mengenai-kad-kad-debit","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/perkara-perkara-yang-anda-perlu-tahu-mengenai-kad-kad-debit","title":{"rendered":"Perkara-perkara Yang Anda Perlu Tahu Mengenai Kad-kad Debit"},"content":{"rendered":"<div id=\"attachment_5207\" style=\"width: 410px\" class=\"wp-caption alignleft\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-5207\" class=\" wp-image-5207\" alt=\"debit card\" src=\"\/articles\/wp-content\/uploads\/2013\/05\/shutterstock_123256870.jpg\" width=\"400\" height=\"311\" srcset=\"\/articles\/wp-content\/uploads\/2013\/05\/shutterstock_123256870.jpg 400w, \/articles\/wp-content\/uploads\/2013\/05\/shutterstock_123256870-300x233.jpg 300w, \/articles\/wp-content\/uploads\/2013\/05\/shutterstock_123256870-64x50.jpg 64w\" sizes=\"auto, (max-width: 400px) 100vw, 400px\" \/><p id=\"caption-attachment-5207\" class=\"wp-caption-text\">Walaupun ia disertakan dengan PIN, kad debit tidak patut dianggap sebagai kalis penipuan.<\/p><\/div>\n<p><span style=\"font-size: 13px; line-height: 18px;\">Selama beberapa tahun yang lepas, kad-kad debit semakin popular sama seperti<\/span><a style=\"font-size: 13px; line-height: 18px;\" href=\"https:\/\/www.imoney.my\/credit-card\/\">\u00a0kad-kad kredit<\/a><span style=\"font-size: 13px; line-height: 18px;\">. Selain daripada sebab-sebab kemudahan yang ketara, penerimaan luas terhadap kad-kad debit terletak terutamanya pada keyakinan orang ramai dalam aspek keselamatan (disebabkan Nombor Pengesahan Peribadi\/Personal Identification Numbers, atau PIN) yang disertakan.<\/span><\/p>\n<h2>Tips dan Maklumat Tentang Penggunaan Kad Debit<\/h2>\n<p dir=\"ltr\">Jika anda merancang untuk menukar kemudahan kredit yang lain ke kad debit, berikut adalah beberapa maklumat dan tips yang mungkin menarik bagi anda:<\/p>\n<p dir=\"ltr\">Anda Mungkin Telah Memiliki Kad Debit: \u00a0Ya, ambil kad ATM anda dari poket dan lihat. Jika ia mempunyai mana-mana perkataan ini \u2013 VISA atau MASTERCARD \u2013 dicetak pada permukaan kad, ia adalah kad debit.\u00a0 Di Malaysia, kad ATM biasa juga mempunyai MEPS (Malaysia Electronic Payment System\/Sistem Pembayaran Elektronik Malaysia) kemudahan yang boleh digunakan untuk transaksi-transaksi debit\u2026 tapi hanya di kedai-kedai jualan yang memaparkan logo MEPS.<\/p>\n<p dir=\"ltr\">Tiada Hutang Dengan Kad Debit: \u00a0Di dalam situasi-situasi yang biasa, kad debit anda menggunakan wang dalam akaun bank anda untuk membuat bayaran. Jadi secara asasnya, anda membelanjakan wang yang anda sedia ada dengan menggunakan kad debit. \u00a0Secara ringkas, tidak mungkin anda terlibat dengan hutang dengan kad debit melalui cara ini.<\/p>\n<p dir=\"ltr\">Anda Masih Boleh Terlibat Dengan Hutang Melalui Kad Debit:\u00a0Namun begitu, jika anda mempunyai kad debit dengan kemudahan overdraf (iaitu yang membenarkan anda untuk berbelanja lebih daripada jumlah yang ada dalam akaun anda), itu memberikan kebebasan pada anda untuk berbelanja lebih daripada jumlah simpanan anda.\u00a0 Sudah tentu ini bermakna anda masih boleh terlibat dengan masalah hutang dengan kad debit.<\/p>\n<p dir=\"ltr\">Anda Boleh Tetapkan Had Untuk Mengawal Perbelanjaan Anda:\u00a0Kebanyakan bank di Malaysia menetapkan had perbelanjaan RM3,000 pada kad debit anda. Jika anda mahu, anda boleh menaikkan atau menurunkan had tersebut mengikut keperluan anda. \u00a0Ia adalah cara yang sangat baik untuk mengawal perbelanjaan anda jika anda kurang berdisiplin dengan wang.<\/p>\n<p dir=\"ltr\">Ada Caj-caj Yang Terlibat Dalam Kad Debit Anda:\u00a0Biarpun dengan tanggapan yang biasa dibuat, yuran dan caj tetap menjadi sebahagian daripada kad debit yang dimiliki. Caj-caj biasa termasuk: yuran tahunan, yuran pengeluaran tunai (RM1) di ATM MEPS, yuran pengeluaran tunai (RM8) di ATM lain, dan faedah yang dikenakan apabila anda menggunakan kemudahan overdraf, antara yang lain.<\/p>\n<p dir=\"ltr\">PIN Anda Tidak Menjadikan Kad Debit Anda Kalis Penipuan:\u00a0Kerana ia disertakan dengan PIN, kebanyakan orang melihat kad debit sebagai instrumen bayaran yang lebih selamat berbanding kad kredit.\u00a0Walaupun ini, dalam hal tertentu, benar; apa yang sepatutnya menjadi alat keselamatan anda (iaitu PIN), juga boleh menjadi laluan ke akaun-akaun anda (jika seseorang berjaya mendapat PIN anda). \u00a0Jadi pastikan anda sentiasa berwaspada dalam melindungi kepentingan anda apabila anda menggunakan kad debit.<\/p>\n<p><b>Suka artikel ini? Anda juga mungkin ingin membaca mengenai\u00a0<a href=\"\/articles\/debit-card-what-is-it-how-does-it-work\/\">asas-asas bagaimana kad debit berfungsi<\/a>.<\/b><\/p>\n<p>&nbsp;<\/p>\n<p dir=\"ltr\">\n","protected":false},"excerpt":{"rendered":"<p>Selama beberapa tahun yang lepas, kad-kad debit semakin popular sama seperti\u00a0kad-kad kredit. Selain daripada sebab-sebab kemudahan yang ketara, penerimaan luas terhadap kad-kad debit terletak terutamanya pada keyakinan orang ramai dalam aspek keselamatan (disebabkan Nombor Pengesahan Peribadi\/Personal Identification Numbers, atau PIN) yang disertakan. Tips dan Maklumat Tentang Penggunaan Kad Debit Jika anda merancang untuk menukar kemudahan&#8230; <a class=\"view-article\" href=\"https:\/\/www.imoney.my\/articles\/perkara-perkara-yang-anda-perlu-tahu-mengenai-kad-kad-debit\">View Article<\/a><\/p>\n","protected":false},"author":1,"featured_media":5441,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[326,100],"tags":[279],"class_list":["post-5206","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-artikel-terkini","category-kad","tag-bm"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Perkara-perkara Yang Anda Perlu Tahu Mengenai Kad-kad Debit<\/title>\n<meta name=\"description\" content=\"Jika anda merancang untuk menukar kemudahan kredit yang lain ke kad debit, berikut adalah beberapa 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