thẻ tín dụng
Tôi dùng thẻ tín dụng để thanh toán khi mua sắm trực tuyến.
I use a credit card to pay when shopping online.
A plastic card issued by a bank or financial institution that allows the cardholder to borrow funds to pay for goods and services, with the promise to repay the borrowed amount plus interest.
Ngân hàng vừa phát hành thẻ tín dụng mới với hạn mức lên đến 500 triệu đồng.
The bank has just issued a new credit card with a credit limit of up to 500 million VND.
Bạn nên thanh toán toàn bộ dư nợ thẻ tín dụng mỗi tháng để tránh lãi suất cao.
You should pay off your entire credit card balance each month to avoid high interest rates.
Thẻ tín dụng is distinct from thẻ ghi nợ (debit card), which deducts money directly from the cardholder's bank account.
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Pro Tip
Distinguishing credit vs. debit cards in Vietnamese
Remember: 'thẻ tín dụng' (credit card) involves borrowing money, while 'thẻ ghi nợ' (debit card) uses your existing funds. The word 'tín dụng' (credit) implies trust/borrowing, whereas 'ghi nợ' (debit) means recording a debt/obligation.
Gold Rule
Credit card debt management
Always prioritize paying the full balance monthly to avoid compound interest. Vietnamese banks typically charge 25-40% annual interest on unpaid balances.
Word Origin
Thẻ (card) + tín dụng (credit), a direct translation of the English term 'credit card'. The phrase entered Vietnamese financial terminology in the late 20th century alongside the introduction of modern banking services.
Usage Notes
Commonly abbreviated as 'thẻ TD' in informal contexts. Vietnamese banks often issue credit cards with co-branding (e.g., thẻ tín dụng Vietcombank - Visa). Interest rates and fees vary by issuer and card type.