Obviously because of the simplicities. With it, you can buy an item without having to pay the whole price of the goods or the term can be installment umpteen months (depending on promo/vendors) so you can buy the item without having to wait for Your accumulated savings.
The other advantage is the credit card can help you create financial statements for free. Each month, you will be sent a list of transactions last month. This can help you to audit the spending you do.
Practical! How it feels to bring money ' millions ' in your wallet? Certainly it feels uneasy and misgivings. Uneasy because her wallet tebel really and was was for fear their wallets too flashy. With a credit card, you can bring a piece of card to perform a variety of transactions, not practical?
He said that credit card ' danger ', not true?
Actually kalo used excessive! Gini, as has been explained above, the credit card gives us the ease of shopping. Well this is due to the ease, there are some people overdo it. Shopping exceeds the ability of pay, this is dangerous.
If you use it wisely, you'll be greatly helped.
There are 2 tips that can help you control the use of the credit card, namely:
1. Reserving 1 cc only
Generally people think have much credit card, they can be more thrifty in fact more people are excessive shopping. So it's better to close all Your cc, reserving 1 only.
2. Lower limit
By default the bank has given the limits of the use of the maximum limit for each type of credit card. If the limit is quite high compared to your income, immediate request to shrink the limit. In this way You will definitely not be wasteful.
How to save money using a credit card?
Really easy! Follow the latest updates promo so can save money.
Even with the use of a credit card, You can be able to cashback (3-5%) of the rich Carefur, hypermarket, Giant Hypermart, etc. Okay right?
When managed to have a credit card, a lot of people who directly use it without thinking much. Take credit everywhere so that any mortgage laying up. Many think when it already has a credit card that is a final achievement. Use and pay off its debts.
Whereas, when having a credit card, it is very important to improve your credit score. The point is for the future, i.e. when it will submit the credit card again or ask the loan to the bank. With a good credit score, loan interest granted is smaller, and the process becomes easier. Therefore, here are five ways to improve your credit score.
Pay Bills On Time
Without having to be told any paying bills on time is an obligation in order for the debt you don't hitchhike. Bonus of paying on time is you get the good reputation of the bank. Therefore, if you ask a loan to the bank, the process will be easy enough. Note a good credit card payment that can also be accessed by the rest of the bank so that you become a good customer. Instead, there is one bad note, for example, there are debts that debt, it's also still stored in the bank and can be seen by any bank or credit card issuer.
Have A Steady Job
Another way to increase your credit score is to have a steady job. Have a steady job that means you have a steady income. By having a steady income, meaning you can pay the installment credit cards regularly, paying on time, and secure its future.
Have Assets
To gain a good reputation in the eyes of the bank, You will also need to have some assets, such as property, stocks, or investing. By having some assets, means you have good financial conditions as well as good management.
Reduce Debt
Have debt bodes bad for your credit. Therefore, try to reduce the amount of debt or mortgage you take. If ever there was a debt that has not been paid off, immediately get rid of the debts in order for your credit to be good reputation back. Don't worry about the debt you have, it is inevitable. The important thing, you pay that debt repayments on a regular basis, even if it can be directly at once paid in full. If there is a debt that has not been paid off, don't try to take another installment.
Become A Customer Loyal
Loyalty is something that is rare, as well as in terms of banking. The Bank will treat the customer well, let alone its loyal clients that have a long credit history and good. Therefore, with the faithful at one bank, your credit score has become even better.
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