viva on plastic money

8/3/2019 Viva on Plastic Money

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Project on plastic money

Smita gupta 098538


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Chapterizations

Chapter 1

Introductions

ObjectiveTypes of credit card

Chapter 2

Scope of study

Methodology

Chapter 3


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WHAT IS A CREDIT CARD?

A credit card is a card or mechanismwhich enables to purchase goods,travel and dine in a hotel without

making immediate payments. Theholders can use the cards to creditfrom banks unto 45 days. The credit

card relieves the consumer from thebotheration cash and ensures safety. Itis a convenience of an extended creditwithout formality. Thus, credit card is apassport to, SAFETY, COVENIENCE,


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Objectives

To study the awareness of the plasticmoney.

To study the reasons why consumerlike to opt for plastic money

To study the usage and advantage of

the plastic money. To study the use of plastic money in

the next generation

To study the opinion regarding plastic


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CARD HOLDER A person who earns a salary of Rs

60,000/_ per annum is eligible for acard.

A reference from a banker and theemployers of the applicant is insistedupon.

He should have a savings currentaccount in the bank.

His assets and liabilities on aparticular date are reported to bank.


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PARTICULARS DISPLAYED ON THECREDIT CARDS

NAME OF THE CUSTOMER:

16-DIGIT CARD NUMBER

VALIDITY DATE THE VISA HOLOGRAM

NAME OF THE ISSUING BANK

SIGNATURE PANEL

MAGNETIC STRIP


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Types of credit card

Bank credit card

Travel and entertainment card

In store card ATM

Debit card

Smart card

Agriculture card

Corporate and business credit card


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Scope of study

Scope of study - world wide usage ofcredit card , major types of creditcard issued by Indian banks , types ofcard issued by the bank

Methodology

Primary and secondary source

- Survey was conducted.- Secondary data was collected

through internet

Limitation :


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Findings

85 % of the respondents are aware ofPlastic Money from which 38 % of therespondents came to know about the

Plastic Money from the media, 28 %from Friends and Relatives, 18 % frombank employees, 9 % from thenewspaper and the rest 7 % from

other resources. 76 % of the respondents responds

that they always want the facility of

plastic money with the opening of an


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For the reasons for opting card is that

31 % go for fast transaction, 23 % forhandling solutions, 19 % for safetysolutions and for convenient also, 6 %

for all of above and the rest 2% forany other.

59 % have use their card weekly, 36

% use it monthly and the rest 5 %daily. Most of the cards belong to theprivate banks as they adopt manytechniques so that the customers gofor the use of plastic money in terms


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39 % of the customers usetheir card for cashwithdrawal, 24 % for the

shopping bills, 18 % for thedining bill, 11 % for

traveling and 8 % for anyother usage regarding saleand buying in the market

and on the internet also.


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CONCLUSION

Many of the respondents or the bankcustomer are aware of plastic money.

Media and friends/relatives are themain sources to know about theplastic money provided by variousbanks like HDFC , PNB Bank , ICICI

Bank . When the bank customer going to

open the account in a bank they

always want the facility of plastic


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viva on plastic money

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