The difference with credit card interest fees and a debit card overdraft fees is that on the credit card interest fees cannot be avoided, but with the debit card if you are aware of the balance in the bank account and do not go over what is in your account, all your purchases will not cost you any extra money. Both credit cards and debit cards have limits.
For instance, with a credit card you have a credit line, which can be increased or decreased depending on your account status from the time when you applied for the card. With a debit card the limit of your spending depends on how much money is in your account. Being responsible with your credit card usage can be helpful for your credit rating, but it is also very easy to run a large balance by spending too much, and when you add the interest fees, and late payment fees if applicable, the debt becomes so large it will be hard to keep up with your payments and it is very possible that you will go into higher debt.
Similarly with debit cards, not keeping up with all the debit transactions can lead to more fees, but unlike credit cards most debit cards after the first sign of overdraft your card becomes unusable and when swiped it will be denied. According to the Nilson Report, Americans made However, the total debit and prepaid card transactions in U. In my opinion debit cards are the best choice to pay small amounts that you can easily pay in full, and the credit card should only be used as an absolute last resort.
People everywhere are drowning in unsecured debt, because it is easier to overspend with a credit card. Home Essays Credit card vs. We will write a custom essay sample on. A limited time offer! The feasibility study needs to answer the question: The outcome of the feasibility study will indicate whether or not to proceed with the proposed venture. If the results of the feasibility study are positive, then the cooperative can proceed to develop a business plan.
The company does not appear to have done the necessary research to determine the whether there is a need for this service in the market. In addition, this would hint to the fact a proper business plane was not completed and reviewed.
Their validity of market acceptance appears to be assumed versus researched and studies. Primary market research is one of the starting points for this customer to have been able to determine acceptance into the market.
Appendix I shows the current state of their stability in the market. Smart Card Marketing Solutions. Accessed September 14, We will write a custom essay sample on Smart Card Marketing Solutions specifically for you.
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