Instrumen Pembayaran

付款方式（一）= instrumen pembayaran 现金就是直接用纸币和硬币付钱。借记卡付款时，钱马上从自己的银行储蓄户口扣掉。信用卡是先买东西、以后再还钱给银行，其实是向银行借钱，所以要按时全部还清。网上银行是用电脑或手机上网，从银行户口付账单或转钱。 例子：用借记卡买鞋，户口里的钱立刻减少。 注意：信用卡是欠债，不能乱用。

ways to pay (1) = instrumen pembayaran Cash is paying directly with notes and coins. With a debit card, the money comes straight out of your savings account. A credit card lets you buy now and pay the bank later; it is borrowing, so pay it all back on time. Internet banking lets you pay bills or transfer money from your bank account online. Example: paying for shoes with a debit card reduces the account at once. Watch out: a credit card is a debt, so use it carefully.

付款方式（二）= instrumen pembayaran 预付卡要先充值，用多少扣多少，常用在收费站和公共交通。电子钱包是手机应用程序，扫二维码就能付钱，不用带现金。支票是写给银行的书面指示，请银行从户口付出写明的金额。邮政汇票在邮局购买，用来把钱寄给指定的人。 例子：离开停车场时，可以用预付卡付停车费。 注意：预付卡里的钱用完了要再充值。

ways to pay (2) = instrumen pembayaran A prepaid card is topped up first and the amount used is taken off; it is common at tolls and on public transport. An e-wallet is a phone app: scan a QR code to pay without cash. A cheque is a written instruction telling the bank to pay a stated amount from an account. A postal order is bought at the post office to send money to a named person. Example: a prepaid card can pay the parking fee at a car-park exit. Watch out: top up the prepaid card when its value runs out.

为情境选方式 = pilih instrumen yang sesuai 配对时，每一个情境都问自己两个问题：钱在什么地方付？付钱的人手上有什么，是现金、卡、手机，还是银行户口？再回想前两屏每种付款方式的特点，找出最配合这两个答案的一种。先配最有把握的，剩下的会比较容易。 例子：在加油站加油，人在现场、带着银行卡 → 可以用借记卡；在网上书店买书，人在家、要上网 → 可以用信用卡。 注意：有些情况可以用不只一种方式，这里挑最合适的一种；每种方式只配一次。

choose the right way = pilih instrumen yang sesuai For every situation ask two questions: where is the money paid, and what does the payer have with them: cash, a card, a phone or a bank account? Then recall the features of each way to pay from the two screens before, and find the one that fits both answers best. Match the ones you are surest of first. Example: filling up at a petrol station, on the spot with a bank card → a debit card works; buying at an online bookshop from home → a credit card works. Watch out: some situations allow more than one way, so pick the most suitable; each way is used only once.

按条件选择 = pilih mengikut syarat 先把题目的条件一条一条找出来：在哪里付钱、钱放在哪里、能不能欠债、要不要带现金。然后回想每一种付款方式的特点，拿每一种去对照所有条件，全部条件都符合的才是答案。 例子：阿明在书展买书，只带了手机、不想带现金 → 条件是“现场付、用手机、不用现金”，要找能用手机付款的方式。 注意：只符合一两个条件还不够，每个条件都要检查。

choose by the conditions = pilih mengikut syarat First list the conditions in the question one by one: where the money is paid, where the money is kept, whether debt is allowed and whether cash is carried. Then recall the features of each way to pay and test it against every condition; only a way that meets all of them is right. Example: Amin buys books at a book fair with only his phone and no cash, so the conditions are on the spot, by phone, no cash: look for a way that pays by phone. Watch out: meeting one or two conditions is not enough; check every condition.

安全付款 = bayar dengan selamat 用卡或手机付钱要小心：密码不能告诉任何人；付款前看清楚屏幕上的金额；信用卡的欠款要按时全部还清，不然会越欠越多；出门前先给预付卡充值，免得在收费站不够钱。 例子：店员请你输入密码时，用手挡住键盘。 注意：有人打电话问你的密码，一定不要说。

paying safely = bayar dengan selamat Be careful when paying by card or phone: never tell anyone your PIN; read the amount on the screen before paying; pay the credit card in full and on time so the debt does not grow; top up the prepaid card before a trip so it has enough at the toll. Example: cover the keypad with your hand when typing your PIN. Watch out: never tell your PIN to someone who calls and asks for it.