Visa Card Vs Master Card

[Wacha1]

Wacha1 analeta ligi isiyo na kombe.

Nilikuwa bongo mkuu chacha kama hupendi shauri yako nyie wadanganyeni watu hapa watakwenda na makadi yao watatoka kapa. Tena bongo siku hizi imebadilika kuna ATM zinazokupatia mpunga in US dollars kama unapenda na nyingine madafu.

Nilikwenda kwenye mashine moja nikagonga nusu laki ya kibongo kumbe inatoa US dollars ikabidi igome nikacheck tena ndio nikagundua. Kama hutaki pressure nenda Barclays.

 

[Viper]

mkuu mpunga kwa usd! ??!! hehehe itabidi nikajionee kaka!

 

[Nyani Ngabu]

Nilikuwa bongo mkuu chacha kama hupendi shauri yako nyie wadanganyeni watu hapa watakwenda na makadi yao watatoka kapa. Tena bongo siku hizi imebadilika kuna ATM zinazokupatia mpunga in US dollars kama unapenda na nyingine madafu.

Nilikwenda kwenye mashine moja nikagonga nusu laki ya kibongo kumbe inatoa US dollars ikabidi igome nikacheck tena ndio nikagundua. Kama hutaki pressure nenda Barclays.

Unang'ang'ania kuwa "ulikuwa" bongo wiki iliyopita kama vile ni wewe pekee tu ndiye mwenye hati miliki ya kuwa bongo. Wengine unajua tuko wapi?

 

[Wacha1]

mkuu mpunga kwa usd! ??!! hehehe itabidi nikajionee kaka!

Nenda pale zamani ilikuwa Twiga Branch NBC kuna mashine zinakupa in US dollars mie nilishituka nikawa nataka 500 000 USD ...... .. kuna hoteli moja pale karibu yake mpya, miundo mbinu hovyo kabisa ..... ...... ....... pesa zote anakula Fisadi papa.

 

[Wacha1]

Unang'ang'ania kuwa "ulikuwa" bongo wiki iliyopita kama vile ni wewe pekee tu ndiye mwenye hati miliki ya kuwa bongo. Wengine unajua tuko wapi?

Mkuu sing'ang'anii ndio maana ya kuwa na forum, andika na wewe ya kwako au unaona wivu? Wacha fujo .... ..... ....

 

[mbongopopo]

Master Card ni kadi ya benki inayokuwezesha kuchukua pesa kwenye ATM yeyote duniani iliyopo katika mfumo huo wa MASTER. Kwa mfano kama unayo master card ya CRDB unaweza kuchukua pesa kwenye ATM ya Exim, NBC au Backlays etc ...Visa Card ni kadi ya benki inayokuwezesha kuchukua pesa kwenye ATM za benki yako peke yake. Kama unayo visa card ya CRDB huwezi kuitumia kuchukua pesa kwenye ATM ya NBC, Exim au Backlays

Ndio umesema kweli kwa kuchukua pesa ila kadi hiyo ikiwa ni CREDIT card interest utakayolipia kwa kuchukua pesa ATM utajuta na kuingia deni kubwa zaidi.So kama ni debit card weye chukua tu as pesa ni zako na sio za mkopoIn short credit card ni nzuri ukichanja online, madukani etc bila kuchukua cash toka ATM. Au kuna maduka kama bado yapo duniani najua nchi nyingi hawafanyi hivi unaweza omba cash back sasa ukipewa kwa via credit card itakuwa kama umetumia kadi kununua. Nimechangia tu navyozijua zilivyo la muhimu ukitaka product yoyote ulizia na pia shop around. Kwa credit card itasaidia utajua charges za kuchukua deni linaendaje ila ukilipa mapema ku clear balance yako unakuwa huchajiwi pesa yote ni juu ya terms and conditions.

 

[Nyani Ngabu]

Mkuu sing'ang'anii ndio maana ya kuwa na forum, andika na wewe ya kwako au unaona wivu? Wacha fujo .... ..... ....

Nikuonee wivu wa nini? Wa wewe kuwa bongo wiki iliyopita? Daaah kaazi kweli kweli!

 

[EMT]

Sijajibu kivipi wakati katika maelezo yangu nimesema zote ni kadi za benki zinazotolewa na makampuni mawili ya Kimarekani. Fundamentally hazina tofauti na tofauti kubwa iliyopo ni zinatolewa na makampuni mawili tofauti.

Au wewe ulitaka niandike orodha nzima ya tofauti zake, kwa mfano, Mastercard makao yake makuu yako Purchase, New York. Na makao makuu ya Visa yako San Francisco, California etc., etc.

Nembo ya MasterCard ina vimiduara viwili, kimoja cha rangi ya chungwa na kingine cha rangi ya manjano. Vimiduara hivyo vimeunganika na katikakati yake kuna maneno "MasterCard".

Nembo ya VISA ni kiboksi chenye background nyeupe na neno VISA kwa herufi kubwa limeandikwa katikati.

Ndiyo ulitaka hivyo? Au wewe unazijua tofauti gani zingine?

Mkuu nakubali katika maelezo yako umesema "zote ni kadi za benki zinazotolewa na makampuni mawili ya Kimarekani." Lakini hiyo ndio tofauti? Aliyeuliza alitaka kujua tofauti, sio similarities, unless nae hakujua alichokuwa anataka kujua. Kwa sisi watumiaji tunaona hakuna tofauti lakini zipo tofauti kubwa tuu. Ni ni sawa na kuuliza tofauti kati ya Coke na Pepsi. Ukimwuliza a consumer tofauti ya hizo card mbili atakuambia hakuna. Lakini zipo tofauti. Tofauti zina affect retailers zadi kuliko card holders. So, unless you're a retailer, you won't notice the difference. Nitakupa tofauti chache, lakini ziko nyingi tuu.

Kwanza, VISA inakubaliwa sehemu nyingi duniani kuliko Mastercard. Visa inakubalika zaidi Europe (toa Uingereza) kuliko Mastercard. Kwa hiyo kama mtu anasafiri kwenda nchi za Ulaya na ana hizo card mbili, lakini anataka kusafiri na card moja, ushauri ni kusafiri Visa.

Pili, kama una hizo card hapo, check the long numbers on the middle inaanza na namba gani. VISA card inaanza na namba 4 wakati Mastercard inaanza na namba 5. Hiyo nayo ni tofauti na ina maana yake ambayo sisi card holders hatujui. Kama zilikuwa hazina maana then wasingetofautisha namba ya mwanzo.

Tatu, kuna michezo ambayo imekuwa sponsored na Mastercard. Ukinunua tiketi online lazima utumie Mastercard. Kwenye London Olympics, Visa tuu ndio inayokubalika kununulia tiketi online. No visa card, no ticket. Hili limelalamikiwa vibaya sana sijui kama wamebadilisha.

Nne, kuna merchants wanakubali Visa lakini sio Mastercard and vice versa. Kwa mfano, Dollar General Corp wanakubali Visa tuu wakati Sam's Club wanakubali Mastercard (credit or debit) na VISA debit cards lakini hawakubali Visa credit cards.

Tano, more significantly, network ya Mastercard ni tofauti sana na network ya Visa. Network ya visa is a star based system where all endpoints terminate at one of several main data centres, where all transactions are processed centrally. Mastercard's network is an edge based, peer-to-peer network where transactions travel a meshed network directly to other endpoints, without the need to travel to a single point. This allows MasterCard's network to be much more resilient, in that a single failure cannot isolate a large number of endpoints.

Hizo ni baadhi tuu ya tofauti

 

[Viper]

Zote ni kadi za benki zinazorahisisha matumizi ya fedha. Zote ni kampuni za Kimarekani. Unaweza ukazipata katika namna mbili; kama debit card au kama credit card.

Debit card inachukua nafasi ya pesa taslimu. Yaani badala ya kubeba hela na kuzitumia ktk malipo yako, unaweza ukatumia debit card iliyounganisha moja kwa moja na checking account yako. Ukinunua kitu au huduma basi unaichanja tu hiyo debit card yako na hela zinatoka moja kwa moja kwenye akaunti yako kwenda kwa huyo unayemlipa. Hii inahitaji kimashine cha kuchanjia. Pia unaweza kulipia hivyo kwa njia ya simu au mtandao.

Credi card ni kama mkopo. Badala ya kupewa mkopo wa pesa taslimu unapewa ki-card hicho badala yake. Na chenyewe unakitumia kama ilivyo debit card lakini tofauti ni kwamba hela itokayo kwenye credit card si yako. Ni mkopo na hivyo itabidi uulipe kwa kadri utumiavyo (ukopavyo).

Nimeeleweka?

IIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIPLUS

Mkuu nakubali katika maelezo yako umesema "zote ni kadi za benki zinazotolewa na makampuni mawili ya Kimarekani." Lakini hiyo ndio tofauti? Aliyeuliza alitaka kujua tofauti, sio similarities, unless nae hakujua alichokuwa anataka kujua. Kwa sisi watumiaji tunaona hakuna tofauti lakini zipo tofauti kubwa tuu. Ni ni sawa na kuuliza tofauti kati ya Coke na Pepsi. Ukimwuliza a consumer tofauti ya hizo card mbili atakuambia hakuna. Lakini zipo tofauti. Tofauti zina affect retailers zadi kuliko card holders. So, unless you're a retailer, you won't notice the difference. Nitakupa tofauti chache, lakini ziko nyingi tuu.

Kwanza, VISA inakubaliwa sehemu nyingi duniani kuliko Mastercard. Visa inakubalika zaidi Europe (toa Uingereza) kuliko Mastercard. Kwa hiyo kama mtu anasafiri kwenda nchi za Ulaya na ana hizo card mbili, lakini anataka kusafiri na card moja, ushauri ni kusafiri Visa.

Pili, kama una hizo card hapo, check the long numbers on the middle inaanza na namba gani. VISA card inaanza na namba 4 wakati Mastercard inaanza na namba 5. Hiyo nayo ni tofauti na ina maana yake ambayo sisi card holders hatujui. Kama zilikuwa hazina maana then wasingetofautisha namba ya mwanzo.

Tatu, kuna michezo ambayo imekuwa sponsored na Mastercard. Ukinunua tiketi online lazima utumie Mastercard. Kwenye London Olympics, Visa tuu ndio inayokubalika kununulia tiketi online. No visa card, no ticket. Hili limelalamikiwa vibaya sana sijui kama wamebadilisha.

Nne, kuna merchants wanakubali Visa lakini sio Mastercard and vice versa. Kwa mfano, Dollar General Corp wanakubali Visa tuu wakati Sam's Club wanakubali Mastercard (credit or debit) na VISA debit cards lakini hawakubali Visa credit cards.

Tano, more significantly, network ya Mastercard ni tofauti sana na network ya Visa. Network ya visa is a star based system where all endpoints terminate at one of several main data centres, where all transactions are processed centrally. Mastercard's network is an edge based, peer-to-peer network where transactions travel a meshed network directly to other endpoints, without the need to travel to a single point. This allows MasterCard's network to be much more resilient, in that a single failure cannot isolate a large number of endpoints.

Hizo ni baadhi tuu ya tofauti

Nimepata picha kamili

 

[mbongopopo]

How long ago did you visit Tanzania? I was there last week, I can assure you that, I used both cards (visa debit card, Visa Credit card and master card) I was not lucky to get money anywhere else except Barclays. Unless this development happened yesterday.Aliyekwambia naongelea Cirrus ni nani?

Kwa kweli hii kitu inategemea na mtu unataka kutumia ATM yenye jina duniani na support Barclays tangu nimeanza kutumia kadi zangu za nje TZ mie ni barclays tu, yaani siwezi kwenda kwingine na charges huwa poa kweli account yangu statement inaonyesha kila kitu hadi wapi nilitoa pesa nasema benki yangu uko inaweka haya. Ni account ya kawaida kadi ina MAESTRO.Kwa hiyo mie I 2nd barclays for many years no matatizo. Ila sijui habari ingine juu ya kadi kukataa ila kama ATM aina nembo za kusupport kadi yako yaani kama vijipicha havipo hakuna umuhimu wa kutumia hiyo ATM.Haya kumbukeni kuficha na mkono mnapodonoa PIN zenu ma expert ni wengi mtaibiwa

 

[Viper]

Nikuonee wivu wa nini? Wa wewe kuwa bongo wiki iliyopita? Daaah kaazi kweli kweli!

mkuu ... umenifanya nicheke kweli..... !! labda kuna mambo flani alifanya bongo akikuhadithia lazima uone wivu..

 

[Nyani Ngabu]

Mkuu nakubali katika maelezo yako umesema "zote ni kadi za benki zinazotolewa na makampuni mawili ya Kimarekani." Lakini hiyo ndio tofauti? Aliyeuliza alitaka kujua tofauti, sio similarities, unless nae hakujua alichokuwa anataka kujua. Kwa sisi watumiaji tunaona hakuna tofauti lakini zipo tofauti kubwa tuu. Ni ni sawa na kuuliza tofauti kati ya Coke na Pepsi. Ukimwuliza a consumer tofauti ya hizo card mbili atakuambia hakuna. Lakini zipo tofauti. Tofauti zina affect retailers zadi kuliko card holders. So, unless you're a retailer, you won't notice the difference. Nitakupa tofauti chache, lakini ziko nyingi tuu.

Sidhani kama Viper yeye ni retailer. Yeye mwenyewe yupo hapa na anaweza kusema kuwa yupo kwenye kundi gani - la retailer au card holder. Kwa hiyo mimi nilijibu kutoka kwenye msimamo/ mtazamo (standpoint) huo wa cardholder. Na sidhani kama nilikosea kutokana na reaction ya watu juu ya jibu langu.

Kwanza, VISA inakubaliwa sehemu nyingi duniani kuliko Mastercard. Visa inakubalika zaidi Europe (toa Uingereza) kuliko Mastercard. Kwa hiyo kama mtu anasafiri kwenda nchi za Ulaya na ana hizo card mbili, lakini anataka kusafiri na card moja, ushauri ni kusafiri Visa.

Mimi nimesafiri Ulaya na kadi zote mbili na nimezitumia zote na hamna hata sehemu moja nilipozitumia ambapo mojawapo ilikataliwa. Sijui ni wapi Ulaya ambako MasterCard haikubaliki. Licha ya hivyo, aliyeuliza aliuliza katika muktadha wa Tanzania.

Pili, kama una hizo card hapo, check the long numbers on the middle inaanza na namba gani. VISA card inaanza na namba 4 wakati Mastercard inaanza na namba 5. Hiyo nayo ni tofauti na ina maana yake ambayo sisi card holders hatujui. Kama zilikuwa hazina maana then wasingetofautisha namba ya mwanzo.

Hizo back end differences sisi za nini? Nani anajali hizo tofauti? Ni wazi, sequence za namba zitakuwa tofauti kwa sababu ni makampuni mawili tofauti. Kwa nini yote namba zake zianze kwa kufanana? Hata social security numbers za Marekani, sequence zake ziko tofauti. Kila jimbo au kila ukanda kama sikosei unaanzia na sequence zake. Hii yote ni katika kutofautisha tu lakini kwa sisi cardholders kwa kweli hazina umuhimu kihivyo. Cha muhimu kwa mmilikaji wa kadi ni terms of agreement, APR kwa credit card, good thru last day of, CVS number nyuma ya kadi, na PIN.

Tatu, kuna michezo ambayo imekuwa sponsored na Mastercard. Ukinunua tiketi online lazima utumie Mastercard. Kwenye London Olympics, Visa tuu ndio inayokubalika kununulia tiketi online. No visa card, no ticket. Hili limelalamikiwa vibaya sana sijui kama wamebadilisha.

Hizo ni siasa za kibiashara tu.

Nne, kuna merchants wanakunali Visa lakini sio Mastercard and vice versa. Kwa mfano, Dollar General Corp wanakubali Visa tuu wakati Sam's Club wanakubali Mastercard (credit or debit) na VISA debit cards lakini hawakubali Visa credit cards.

Tanzania kuna Dollar General na Sam's Club mazee? Hapa uko nje ya muktadha ingawa factually you are correct.

Tano, more significantly, network ya Mastercard ni tofauti sana na Visa network ya Visa. Network ya visa is a star based system where all endpoints terminate at one of several main data centres, where all transactions are processed centrally. Mastercard's network is an edge based, peer-to-peer network where transactions travel a meshed network directly to other endpoints, without the need to travel to a single point. This allows MasterCard's network to be much more resilient, in that a single failure cannot isolate a large number of endpoints.

Hizo ni baadhi tuu ya tofauti

Again, these are backend differences that are almost meaningless to the cardholders. The most important thing is that, at the most basic level (fundamentally) they are both the same. Kind of like your example of Coke and Pepsi. They are both cola soft dinks. They are both American. But they are both made by different companies. Who needs to know their formula?

 

[mbongopopo]

Ila jamani siku hizi pia kunaingia utofauti na expenses kwenye hizi kadi na kikadi chako ni cha aina gani

Makampuni mengi yanaweka extra charges esp kule mwishoni unapokuwa unamalizia manunuzi yako na hapo ndo utaona utamu wa kuwa na vikadi na hayo malogo yenu ya V na M yanavyokula vya watu

Recession inabadili mengi sasa wengi hawataki charges za kiupuuzi wanakata costs ili wapate faida

Makampuni yanapunguza wafanyakazi etc hii inasababisha wao kupunguza costs za mambo ambayo hawataweza kumudu na wachache walionao kuwafanyia kazi.

At the end of the day iwe kadi au accounti au nini shop around na soma t's & c's.

Poleni nyie juu mnaojaribu kueleweshana nadhani kuna anaye yaelewa mambo kiundani juu ya hizi kadi na kuna anayeelewa kama mtumiaji tu kastama.

Wote mnaelimishana eti?

 

[EMT]

Sidhani kama Viper yeye ni retailer. Yeye mwenyewe yupo hapa na anaweza kusema kama yupo kwenye kundi gani - la retailer au card holder. Kwa hiyo mimi nilijibu kutoka kwenye msimamo/ mtazamo (standpoint) huo wa cardholder. Na sidhani kama nilikosea kutokana na reaction ya watu juu ya jibu langu.

Kwenye swali hakusema kama yeye ni retailer au consumer. Labda kabla ya kumjibu ungemuuliza kama anataka kujua tofauti kama retailer au consumer. Or badala ya kutoa a blanket answer, you should have break down the question kwa kungalia kati ya consumer na retailer. Reaction ya watu juu ya jibu lako haina maana kuwa ulijibu swali la mhusika. Unajua wabongo huwa hatutaki kuumiza vichwa. Tunapenda penda vyepesi vyepesi. Inawezakana nao hawakusoma swali la Viper na kulielewa. Mie mwenyewe nimeshangaa sana hiyo reaction wakati ulichojibu ni similarities ya matumizi ya hizo kadi.

Mimi nimesafiri Ulaya na kadi zote mbili na nimezitumia zote na hamna hata sehemu moja nilipozitumia ambapo mojawapo ilikataliwa. Sijui ni wapi Ulaya ambako MasterCard haikubaliki. Licha ya hivyo, aliyeuliza aliuliza katika muktadha wa Tanzania.

Una maana ulitembelea nchi zote za ulaya na kushop maduka yoye, etc ya Ulaya? Na tiketi ya London Olympic ulinunua sio? Tena kwa kutumia Mastercard? Sasa hii ina tofauti gani na ulivyomjibu Wacha1 hapo juu? "Unang'ang'ania kuwa "ulikuwa" bongo wiki iliyopita kama vile ni wewe pekee tu ndiye mwenye hati miliki ya kuwa bongo. Wengine unajua tuko wapi?" Huoni kama unaji-contradict?

Hizo back end differences sisi za nini? Nani anajali hizo tofauti? Ni wazi, sequence za namba zitakuwa tofauti kwa sababu ni makampuni mawili tofauti. Kwa nini yote namba zake zianze kwa kufanana? Hata social security numbers za Marekani, sequence zake ziko tofauti. Kila jimbo au kila ukanda kama sikosei unaanzia na sequence zake. Hii yote ni katika kutofautisha tu lakini kwa sisi cardholders kwa kweli hazina umuhimu kihivyo. Cha muhimu kwa mmilikaji wa kadi ni terms of agreement, APR kwa credit card, good thru last day of, CVS number nyuma ya kadi, na PIN.

Backend differences hazina tofauti kwa cardholders, lakini tofauti zipo kwa retailers, etc. Kwa mfano, benki inatumia Maestro, wanataka kubadilisha kwenda Visa au Mastercard, wakataka kupata ushauri kwako juu ya tofauti ya hizo card na ipi bora. Utawaambia, don't bother with the backend differences, what matters is the front end?

Hizo ni siasa za kibiashara tu.

Well, whether ni siasa za kibiashara, nazo ni tofauti. Tena ukingalia ile post yako ya kwanza imekaa kibishara. Wamiliki wa hizi card huwa wanajaribu ku portray kibishara kuwa hazina tofauti. Lakini tofauti ziko pale. Siku utakayojua hizi tofauti, utakuwa unachagua utumie card gani.

Tanzania kuna Dollar General na Sam's Club mazee? Hapa uko nje ya muktadha ingawa factually you are correct.

Hapo umejaribu ku make assumption kuwa aliyeuliza swali aliuliza in the context of Tanzania. Yeye kauliza "naomba mwenye uwelewa wa hivyo vitu viwili anieleze Tofauti yake ni nini hasa?" Wapi ka mention Tanzania? Kwa nini unam-limit? BTW nafikiri amesema kwa sasa hayupo Tanzania.

Again, these are backend differences that are almost meaningless to the cardholders. The most important thing is that, at the most basic level (fundamentally) they are both the same. Kind of like your example of Coke and Pepsi. They are both cola soft dinks. They are both American. But they are both made by different companies. Who needs to know their formula?

Hapa tupo kuelimishana zaidi, if you don't need to know the the backend differences, then, another one might do. Lakini kinacho matter zaidi ni kuwa tofauti ipo regardless of whether is in the backend or in the front end. Mtu akiitwa kwenye interview Mastercard, aulizwe tofauti ya hiyo card na visa halafu ajibu hakuna tofati na hizo tofauti za backend are meaningless to cardholders whilst Mastercard proud themselves as having peer-to-peer network where transactions travel a meshed network directly to other endpoints, without the need to travel to a single point, thereby allowing much more resilient. Kazi atapata hapo?

 

[Kweli]

NyaniNgabu na EMT wamefafanua kwa kina, Visa debit na Master maestro zinakubalika kwenye malipo sehemu nyingi duniani.
Ni muhimu kutambua tofauti ya VisaCard maestro/Visa debit na Visa/ MasterCard credit card.
Ulaya na Afrika Visa debit inakubalika sehemu nyingi wakati Marekani MasterCard maestro inakubalika sehemu nyingi zaidi, nilikwenda na watoto Disney Florida 2006 na sehemu nyingi zilionyesha alama ya 'master card preffered' ingawa bado niliweza kutumia kadi yangu ambayo ni visa, kuna baadhi ya freebies sikupata kwa vile sikuwa natumia MasterCard.
Kidogo inakuwa usumbufu kutoa hela kwenye cash-points ukiwa na MasterCard ama Visa Card nje ya Marekani na Ulaya ila ukitumia Visacard maestro na Visa debit kwenye cash-points(ATM) hizo inakuwa ni rahisi.
Kama alivyosema NN Visa debit na Maestro ni hela yako mwenyewe wakati hela iliyomo ndani ya Visa Card na MasterCard sio ya kwako na ukiitumia inakula kwako in term of interest accumulated.
Ni muhimu kuelewa nembo ya kadi yako na aina ya akauti yako kwa sababu Visa wanatoa visa debit kwa wamiliki wa current accounts ambapo mara nyingi huwa unaruhusiwa overdrawn facilities na cheque guarantee (ukiangalia nyuma ya kadi yako utaelewa kiwango chako uloruhusiwa kwa cheque guarantee) nyengine huwa visa electron na hizi visa electron huwezi kutumia sehemu zote na sio cheque guarantee, sehemu nyingi nje ya Ulaya na Marekani bado hawaruhusu kutuimia hizi Visa electron na ndio ukaona mtu analazimika kwenda Barclays kutoa hela.

 

[SHERRIF ARPAIO]

Zote ni kadi za benki zinazorahisisha matumizi ya fedha. Zote ni kampuni za Kimarekani. Unaweza ukazipata katika namna mbili; kama debit card au kama credit card.

Debit card inachukua nafasi ya pesa taslimu. Yaani badala ya kubeba hela na kuzitumia ktk malipo yako, unaweza ukatumia debit card iliyounganisha moja kwa moja na checking account yako. Ukinunua kitu au huduma basi unaichanja tu hiyo debit card yako na hela zinatoka moja kwa moja kwenye akaunti yako kwenda kwa huyo unayemlipa. Hii inahitaji kimashine cha kuchanjia. Pia unaweza kulipia hivyo kwa njia ya simu au mtandao.

Credi card ni kama mkopo. Badala ya kupewa mkopo wa pesa taslimu unapewa ki-card hicho badala yake. Na chenyewe unakitumia kama ilivyo debit card lakini tofauti ni kwamba hela itokayo kwenye credit card si yako. Ni mkopo na hivyo itabidi uulipe kwa kadri utumiavyo (ukopavyo).

Nimeeleweka?

Umeeleweka na umeeleza kiufasaha kabisa. On top of that, credit companies nyingi na hata baadhi ya banks huku US wakati wanaku-issue a debit/credit card huwa wanakuuliza utapendelea Visa ama Master card, chaguo lako. As I said before sijaona mahali US kuna sehemu inasema Visa only ama MC only.
Mkuu umeeleza vizuri sasa sijui malumbano yanatokea wapi. Labda matumizi yanatofautiana kati ya nchi na nchi which I still doubt.

 

[Nyani Ngabu]

Kwenye swali hakusema kama yeye ni retailer au consumer. Labda kabla ya kumjibu ungemuuliza kama anataka kujua tofauti kama retailer au consumer. Reaction ya watu juu ya jibu lako haina maana kuwa ulijibu swali la mhusika. Inawezakana nao hawakusoma swali la Viper na kulielewa. Mie mwenyewe nimeshangaa sana hiyo reaction wakati ulichojibu ni similarities ya matumizi ya hizo kadi.

Swali nililijibu. Sema sikulijibu ulivyotaka wewe, kwa mtindo na taarifa ambazo zingekupendeza machoni mwako. Wengine wameridhika na jibu langu. Na hata swali lenyewe lilivyowekwa lilikuwa wazi mno. Nami nikalijibu kwa mithili ya lilivyoulizwa. Kungekuwa na swali au maswali ya nyongeza na yenyewe yangejibiwa ipasavyo.

Una maana ulitembelea nchi zote za ulaya na kushop maduka yoye, etc ya Ulaya? Na tiketi ya London Olympic ulinunua sio? Tena kwa kutumia Mastercard? Sasa hii ina tofauti gani na ulivyomjibu Wacha1 hapo juu? "Unang'ang'ania kuwa "ulikuwa" bongo wiki iliyopita kama vile ni wewe pekee tu ndiye mwenye hati miliki ya kuwa bongo. Wengine unajua tuko wapi?" Huoni kama unaji-contradict?

Nilienda Hamburg, Bayreuth, Summertown, Oxford, Helsinki, Antwerp, Rotterdam, na Bern. Ilikuwa kwa nyakati tofauti. Na huko kote kadi zangu zilifanya kazi. Tena uzuri wa hizi kadi ni kwamba ukiwa Ulaya huna haja kabisa ya kutafuta maduka ya kubadilishia fedha. Kila sehemu niliyoenda, iwe mgahawa au duka mimi nilikuwa nachanja tu - shwaaap - kitu na boksi. Ila sikwenda kwenye kila duka la kila mji nilioutembelea. Na bado sijanunua tiketi za London 2012 na wala sina mpango wa kununua. Sijaji-contradict popote hapo.

Backend differences hazina tofauti kwa cardholders, lakini tofauti zipo kwa retailers, etc. Kwa mfano, benki inatumia Maestro, wanataka kubadilisha kwenda Visa au Mastercard, wakataka kupata ushauri kwako juu ya tofauti ya hizo card na ipi bora. Utawaambia, don't bother with the backend differences, what matters is the front end?

Mimi sio financial services consultant. Ila ikitokea wamenijia na kuniuliza mimi kuhusiana na yote hayo sitajifanya ujuaji. Nitatafuta Yellow book na kuangalia ni kina nani wanafanya hizo kazi za ushauri wa huduma za kifedha na kuwa direct waende huko kwa wataalamu wa mambo hayo. Wewe ni mtaalamu wa mambo hayo? Utani pembeni, kampuni katika capacity yake wanatakiwa wajue all the ins and outs of bank card transactions. Me as me....not so much so long as I know what my rights and my obligations are in relation to the bank card(s).

Well, whether ni siasa za kibiashara, nazo ni tofauti. Tena ukingalia ile post yako ya kwanza imekaa kibishara. Wamiliki wa hizi card huwa wanajaribu ku portray kibishara kuwa hazina tofauti. Lakini tofauti ziko pale. Siku utakayojua hizi tofauti, utakuwa unachagua utumie card gani.

From the consumers vantage point the differences are minuscule. And I would advise people to have both cards (they can even add one more - Discover card) for convenience's sake. Have both of them linked to your checking accounts. Having them both may come in handy at some point.

So I still maintain that at the very basic level, both cards are virtually the same. They are bank cards that you can use for your daily financial transactions in lieu of cash.

Hapo umejaribu ku make assumption kuwa aliyeuliza swali aliuliza in the context of Tanzania. Yeye kauliza "naomba mwenye uwelewa wa hivyo vitu viwili anieleze Tofauti yake ni nini hasa?" Wapi ka mention Tanzania? Kwa nini unam-limit? BTW nafikiri amesema kwa sasa hayupo Tanzania.

Okay, I'll give you that. I made an ass of myself. I assumed. But my contention that they are both fundamentally the same in terms of usage still stands.

Hapa tupo kuelimishana zaidi, if you don't need to know the the backend differences, then, another one might do. Lakini kinacho matter zaidi ni kuwa tofauti ipo regardless of whether is in the backend or in the front end.

Look, hakuna aliyebisha kuwa hakuna tofauti kabisa. Heck, hata ma CEO wao ni tofauti. Ma CFO na COO (kama wanao) pia watakuwa tofauti na hizi zote ni baadhi ya tofauti kati ya nyingi tu zilizopo. Sasa ulitaka pia nizitaje hizo tofauti za ma CEO? Vitu vingine ni common sense tu. Lakini pia hakuna ubaya kwa wengine kama wakiamua kuzitaja.

Nikuulize - kwenye matumizi, kimsingi wewe unaona kuna tofauti?

Mtu akiitwa kwenye interview Mastercard, aulizwe tofauti ya hiyo card na visa hajibu hakuna tofati na hizo tofauti za backend are meaningless to cardholders whilst Mastercard proud themselves as having peer-to-peer network where transactions travel a meshed network directly to other endpoints, without the need to travel to a single point, thereby allowing much more resilient. Kazi atapata hapo?

Huu haukuwa usaili. Kwenye usaili mtu unapaswa kujibu maswali kwa utondoti zaidi. Hili ni jukwaa la majadiliano.

 

[Nyani Ngabu]

Umeeleweka na umeeleza kiufasaha kabisa. On top of that, credit companies nyingi na hata baadhi ya banks huku US wakati wanaku-issue a debit/credit card huwa wanakuuliza utapendelea Visa ama Master card, chaguo lako. As I said before sijaona mahali US kuna sehemu inasema Visa only ama MC only.
Mkuu umeeleza vizuri sasa sijui malumbano yanatokea wapi. Labda matumizi yanatofautiana kati ya nchi na nchi which I still doubt.

Loh! afadhali aisee manake jamaa sijui alitaka nielezeeje tu.

 

[EMT]

Swali nililijibu. Sema sikulijibu ulivyotaka wewe, kwa mtindo na taarifa ambazo zingekupendeza machoni mwako. Wengine wameridhika na jibu langu. Na hata swali lenyewe lilivyowekwa lilikuwa wazi mno. Nami nikalijibu kwa mithili ya lilivyoulizwa. Kungekuwa na swali au maswali ya nyongeza na yenyewe yangejibiwa ipasavyo.

Suala sio kuwa hukujibu nilivyotaka mimi. Suala ni kuwa hukujibu swali. Swali lilitaka tofauti, Wewe umeelezea similarities. Ni sawa na mtu aulizwe analyse, yeye ana discusss. The fact kuwa watu wanakusifia kuwa umeeleza vizuri haina maana kuwa umejibu swali. Unaweza kueleza vizuri lakini usijibu swali. Mkuu acha kulazimisha.

Nilienda Hamburg, Bayreuth, Summertown, Oxford, Helsinki, Antwerp, Rotterdam, na Bern. Ilikuwa kwa nyakati tofauti. Na huko kote kadi zangu zilifanya kazi. Tena uzuri wa hizi kadi ni kwamba ukiwa Ulaya huna haja kabisa ya kutafuta maduka ya kubadilishia fedha. Kila sehemu niliyoenda, iwe mgahawa au duka mimi nilikuwa nachanja tu - shwaaap - kitu na boksi. Ila sikwenda kwenye kila duka la kila mji nilioutembelea. Na bado sijanunua tiketi za London 2012 na wala sina mpango wa kununua. Sijaji-contradict popote hapo.

Well kwa hiyo Ulaya ni hiyo miji nane then? Kwa sababu hujanunua tiketi za London 2012 na wala huna mpango wa kununua, then hutaona tofauti ya hizo card.

Mimi sio financial services consultant. Ila ikitokea wamenijia na kuniuliza mimi kuhusiana na yote hayo sitajifanya ujuaji. Nitatafuta Yellow book na kuangalia ni kina nani wanafanya hizo kazi za ushauri wa huduma za kifedha na kuwa direct waende huko kwa wataalamu wa mambo hayo. Wewe ni mtaalamu wa mambo hayo? Utani pembeni, kampuni katika capacity yake wanatakiwa wajue all the ins and outs of bank card transactions. Me as me....not so much so long as I know what my rights and my obligations are in relation to the bank card(s).

That will be much better b'se hao wataalamu watawafafanulia tofauti ya hizo card. Kusema kuwa "kampuni katika capacity yake wanatakiwa wajue all the ins and outs of bank card transactions" ni sawa na kusema daktari mgonjwa haitaji daktari kwa vile tayari yeye ni daktari. Kuwa mwanashria haitaji legal representation kwa vile yeye ni mwanasheria.

From the consumers vantage point the differences are minuscule. And I would advise people to have both cards (they can even add one more - Discover card) for convenience's sake. Have both of them linked to your checking accounts. Having them both may come in handy at some point.

So I still maintain that at the very basic level, both cards are virtually the same. They are bank cards that you can use for your daily financial transactions in lieu of cash.

I didn't advise people to have one card only. Neither did I say they bear some similarities. But what I said is that despite those similarities you mentioned in your first post, they also bear some differences.

Okay, I'll give you that. I made an ass of myself. I assumed. But my contention that they are both fundamentally the same in terms of usage still stands.

As a user of those cards you're perfectly right to say that they fundamentally the same. As far as most consumers are concerned, there is no real difference between the two. But a retailer will tell you that they have some differences as well.

Look, hakuna aliyebisha kuwa hakuna tofauti kabisa. Heck, hata ma CEO wao ni tofauti. Ma CFO na COO (kama wanao) pia watakuwa tofauti na hizi zote ni baadhi ya tofauti kati ya nyingi tu zilizopo. Sasa ulitaka pia nizitaje hizo tofauti za ma CEO? Vitu vingine ni common sense tu. Lakini pia hakuna ubaya kwa wengine kama wakiamua kuzitaja. Nikuulize - kwenye matumizi, kimsingi wewe unaona kuna tofauti? Huu haukuwa usaili. Kwenye usaili mtu unapaswa kujibu maswali kwa utondoti zaidi. Hili ni jukwaa la majadiliano.

Mwuliza swali aliuliza "Tofauti yake ni nini hasa". Hakuuliza tofauti "kwenye matumizi" In other words, they asked a general question. But what you're trying to do now is to limit their question. Nakubali "vitu vingine ni common sense" But a common sense of a difference has never and will never be a similarity. Umenipata hapo?

Rudi kwenye swali, soma swali then angalia ulichojibu kwenye post yako ya kwanza. Kama kulikuwa hakuna tofauti then, ungejibu hiyo badala ya kuanza kushuka similarities. Hivi sasa akibadilisha swali na kutaka kujua similarities za hizo card, si bado utaandika ulichoandika kwenye post yako ya mwanzo? Well, mie sio mtu wa ligi. Nilichotaka ni kueleza kuwa pamoja na similarities ambazo umezitaja, pia hizi card zina tofauti zake.

 

[EMT]

Umeeleweka na umeeleza kiufasaha kabisa. On top of that, credit companies nyingi na hata baadhi ya banks huku US wakati wanaku-issue a debit/credit card huwa wanakuuliza utapendelea Visa ama Master card, chaguo lako. As I said before sijaona mahali US kuna sehemu inasema Visa only ama MC only. Mkuu umeeleza vizuri sasa sijui malumbano yanatokea wapi. Labda matumizi yanatofautiana kati ya nchi na nchi which I still doubt.

Kuna tofauti ya kueleza vizuri na kueleweka na kujibu swali. Mimi sijakataa kuwa hakueleza vizuri. Ameelezea vizuri sana ufanano wa hizi card kwenye matumizi. Lakini katika kueleza vizuri huko, hakujibu swali lililoulizwa. Swali linataka tofauti ya hizo card. Rudia post yake ya kwanza then list tofauti alizozielezea vizuri. Kama kulikuwa hakuna tofauti then angesema hakuna badala ya kuelezea similarities.

Tatizo ni kwamba now days we live as consumers rather than citizens.