Financial Inclusion
How do Visa cards and domestic ATM cards differ, and how are they used?
Reader Tuân Nguyễn (Quang Ninh) asks: I have both a Visa card and a regular ATM card, but I’m not sure how these two types of cards differ. Do I need to keep both, or is one enough?
08/26/2026
Should I buy a car if I can still ride a motorcycle to work?
A car isn't just about the initial purchase price. For people who mainly commute to work by motorcycle, the real challenge lies in the regular expenses associated with owning and using a car.
08/22/2026
You should carefully consider making cash advances on your credit card
Reader Minh Khang (Hanoi) asks: I’m using a credit card, and sometimes I need cash urgently, so I want to withdraw cash directly from the card. However, I’ve heard that this method can incur fairly high fees and interest rates. So, should I withdraw cash from my credit card? What fees, interest rates, and risks should users be aware of before deciding to withdraw cash?
08/18/2026
Besides the banking app, what other ways are there to check my credit card limit?
Reader Da Nguyen (Quang Ninh) asks: “I want to check my credit card limit, but I can’t use the mobile banking app right now. Is there any other way to check my credit card limit besides Mobile Banking?”
08/17/2026
Are there any additional fees when buying a motorcycle on installment?
Reader Nhung Nguyen (Quang Tri) asks: I want to buy a motorcycle, but I don’t have enough money to pay for it all at once, so I’m considering buying it on an installment plan. My question is: Aside from the price of the motorcycle, are there any additional interest charges or fees associated with buying on an installment plan, and what should I be aware of before signing the contract?
08/14/2026
If you receive a mistaken bank transfer, what should you do to avoid being scammed?
Reader Anh Thư (Lâm Đồng) asks: I just received a payment from an unfamiliar account, but I don’t know who sent it. Later, someone contacted me, saying they had sent it by mistake, and asked me to return the money. How should I handle this situation so that I can return the money if it was indeed a mistake, while also avoiding being taken advantage of or scammed by fraudsters?
08/13/2026
You should carefully consider closing your savings account early so you can reopen it when interest rates rise.
Reader Huyền Trân (Da Nang) asks: I currently have a savings account, but I’ve noticed that some banks have recently raised their deposit interest rates. Should I close my account early and reopen it to take advantage of the higher interest rate?
07/27/2026
