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A credit card, which is a payment card issued by a financial institution that allows the cardholder to borrow funds up to a predetermined limit to make purchases or withdraw cash, with the understanding that the cardholder will repay the borrowed amount plus interest and fees.
Tôi thường sử dụng thẻ tín dụng để thanh toán các giao dịch lớn.
I usually use my credit card to pay for large transactions.
Ngân hàng đã tăng hạn mức tín dụng của thẻ tín dụng của tôi.
The bank increased the credit limit on my credit card.
In Vietnamese, 'thẻ tín dụng' is the standard term for credit cards, while 'thẻ ghi nợ' (debit card) refers to cards that deduct funds directly from the cardholder's bank account.
In Vietnamese, 'thẻ tín dụng' (credit card) and 'thẻ ghi nợ' (debit card) are distinct. Credit cards allow borrowing funds up to a limit, while debit cards deduct funds directly from the cardholder's bank account.
Always ensure you understand the terms and conditions of your credit card, including interest rates, fees, and repayment terms, to avoid financial difficulties.
The term 'thẻ tín dụng' is a direct translation of the English 'credit card,' with 'thẻ' meaning 'card,' 'tín' meaning 'credit,' and 'dụng' meaning 'use.' The concept of credit cards was introduced to Vietnam in the late 20th century, and the term has become widely adopted in the financial sector.
While 'thẻ tín dụng' is the most common term for credit cards in Vietnamese, some older or less formal contexts may use 'thẻ tín dụng' interchangeably with 'thẻ ghi nợ' (debit card). However, in formal financial contexts, the distinction is clear.