Young people need more ways to pay
At the age of 25-35, many young people are gradually stabilizing their lives, while building a habit of spending personally systematically. Allocating the budget for goals such as investment, savings or daily consumption has become a part of modern financial thinking.
Nguyen Hoang Long (30 years old, media employee) shared: I often separate investment money and spending money. For daily meals and shopping, I prioritize using credit cards so as not to use the money I am saving or investing. This method has been applied to me since I first started working and I find it very suitable.
With this consumption habit, credit cards are not only an alternative to cash, but a tool to help balance personal finances. However, many young people share that they still feel inconvenienced to carry cards for each payment.
This is the time when payment using the VNPAY-QR code from credit card money becomes a prominent choice. With just a familiar device, a phone, users can scan the QR code anywhere with a VNPAY-QR payment acceptance point - from small cafes, traditional markets, convenience stores to retail chains, supermarkets or tourism services. No need to carry a card, no need to depend on payment devices and ensure safe payment. It is this convenience that helps this new method dominate the mobile consumption trend.
Flexible solutions for a dynamic lifestyle
The feature of using a credit card via the VNPAY-QR code allows users to proactively choose the payment method right at the time of transaction on the banking application.
Phuong Trang (28 years old, a designer in Ho Chi Minh City) shared her personal experience: "Last weekend I went to the supermarket to buy food, with a total bill of nearly 800,000 VND. Because I had just bought a plane ticket before, I only had a little money left in my account. When paying, I use a banking application, scan the code VNPAY-QR and choose the source of money as a credit card. The bill was immediately reduced by 10,000 VND thanks to the available incentives. I find using this method very good and convenient but do not need to carry a card. I just need to remember to return on time so as not to be charged interest. Since I learned about this feature, I have used it more often.
By taking advantage of the long-term interest-free period of credit cards, young users can easily balance their personal cash flow appropriately. This is a particularly attractive advantage for those who often have sudden spending.
This solution is also an effective payment tool in familiar situations such as shopping for food, electricity, food, travel or service payment to help users experience credit card utilities more fully.
Notably, the VNPAY-QR network covers supermarkets, restaurants, shopping malls, tourism services... making credit card spending more accessible. In the context of consumers prioritizing initiative and flexibility, integrating credit cards with QR is an inevitable step towards smart digital finance, where every spending is effectively managed.
On the occasion of the launch, VNPAY launched a promotion program for customers using the credit card payment feature via VNPAY-QR for the first time.
