source: web www.panduankartukredit.com/cara-bijak-menggunakan-kartu-kredit/
Few tips from my wise way to use a credit card:
# What is your income: this is very important for those of you who just want to process credit card number once your income, can have terms rata2 2jt credit card per month, if you blum achieve these basic requirements in force never had a credit card you will be natinya entangled debt (masyarat current reality imposed jt/1jt salaries for 1.5 credit cards by increasing the paycheck can let my warranty card but stepped 1thn secure 2 or three years I guarantee you will be tangled in debt if your basic requirements are not met).
# Limit your credit card usage up to 25% of your assets either your savings or time deposit, why do so if something happens you are still able to pay it off.
# Select the bank to offer the lowest interest rate (although the average credit card interest each and every banking to offer interest rates of different banks for example, even though independent expenditures combined with others but gave powercash program, cash funds with interest only 1 %).
# Pay your bills by ful payment (full payment of all bills) every month so you do not get the credit card interest rate 3.5%.
# Pay on time prior to maturity so that you do not get late cash, (for foreign banks please 3 days before maturity).
# Do not ever use Cash Advace at atm if not forced really.
# Take the card issuer bank with annual or monthly fee that is not burdensome.
# Have a maximum of 2 credit cards to conventional user, Use as many if you do business with funds from the credit card.
# Do not assume that credit cards as extra income, much of this phenomenon because akhir2 global crisis to affect our salaries do not rise but demand continued to rise all the many vying for credit cards as much as possible, put as much, he could pay I guarantee you will be stuck in a prolonged debt.
Tip secure with your Credit Card!
Selly
1. At the time of submission of new applications
- Try not to ever ask for it via credit card agent
(Like a lot at the mall the mall, restaurants and supermarkets) even though they use
certain bank facilities, they still are not bank employees, but employees
company agent who works with that particular bank.
- If you want to make a credit card attempted to come directly to the Bank / Institution
Financial credit card issuer to the card center division of his (Credit Cards) or at least to
bank branches.
- Do not just look at the free annual fee for the first year only, so
close next year and find the card again for free annual fee again.
Here is prone to leak your data to people we do not know lain.Karena actors
from an institution that mischievously.
- Credit limit is the maximum cultivated 1 / 2 of our Take Home Pay (Yg ideal
the loan is 1 / 3 of our income), if too high just get off limits, rather than
difficult to pay.
2. At the moment already have Credit Card
- Try always to pay the entire bill is paid off before maturity,
so you avoid the cost and relatively high interest
- Rate credit card interest rate is always above other loans because the credit card
is a loan without collateral, usually a percentage rate is the monthly, so
you must multiply by 12 to know the rate annually.
- Calculation of credit card interest rate is since from our transactions or taking cash
have walked the flowers, but if you pay in full (Full Payment) before falling
then we release date flowers.
- Do not inform the data available on our credit cards to others,
including close relatives, whether the card number, expiration, name printed on the card,
and so forth. Beware of marketing via phone (Tele marketing) that
said if from the Bank as the card issuer and have cooperation with them
good insurance, hotels, clubs, etc. cuman remember their tricks, and never love
know your card number to them! as well as other data, including data issuing bank
card.
- We seek to swipe the card at the time Kedit, cashier swipe in front of us, ordinary
occurs particularly in the restaurant of our card to the cashier first brought their new friction
without the presence of us, well this is best avoided. Always rub in the face
us.
- Do not ever order goods via the internet with our credit card mentions,
Avoid this model of how to spend even more if the transactions and in diWarnet
companies that can not be trusted (not bona fide)
- Always check your credit card, if lost immediately report to the bank card issuer to
avoid abuses.
- Do not behave consumer, feel I have a credit card can be Cicil and remember bill
you still have to pay, do not burden your own
- Have a credit card today is not a luxury and prestige, so ngak
need to have credit cards lined up, my advice is 1 of the Visa and Master 1 longer than
Card with two different publishers, which provide the most benefit
and good. For example in a supermarket discount percentage, discount dining all
percent, etc.
Hopefully some of these tips can be useful, and others can add more fields as there yag msih less.
Source : IYUS (web sellycantix.multiply.com)
Credit Card Mailing List: finance.groups.yahoo.com/group/Kartu-Kredit/message/611 web
Few tips from my wise way to use a credit card:
# What is your income: this is very important for those of you who just want to process credit card number once your income, can have terms rata2 2jt credit card per month, if you blum achieve these basic requirements in force never had a credit card you will be natinya entangled debt (masyarat current reality imposed jt/1jt salaries for 1.5 credit cards by increasing the paycheck can let my warranty card but stepped 1thn secure 2 or three years I guarantee you will be tangled in debt if your basic requirements are not met).
# Limit your credit card usage up to 25% of your assets either your savings or time deposit, why do so if something happens you are still able to pay it off.
# Select the bank to offer the lowest interest rate (although the average credit card interest each and every banking to offer interest rates of different banks for example, even though independent expenditures combined with others but gave powercash program, cash funds with interest only 1 %).
# Pay your bills by ful payment (full payment of all bills) every month so you do not get the credit card interest rate 3.5%.
# Pay on time prior to maturity so that you do not get late cash, (for foreign banks please 3 days before maturity).
# Do not ever use Cash Advace at atm if not forced really.
# Take the card issuer bank with annual or monthly fee that is not burdensome.
# Have a maximum of 2 credit cards to conventional user, Use as many if you do business with funds from the credit card.
# Do not assume that credit cards as extra income, much of this phenomenon because akhir2 global crisis to affect our salaries do not rise but demand continued to rise all the many vying for credit cards as much as possible, put as much, he could pay I guarantee you will be stuck in a prolonged debt.
Tip secure with your Credit Card!
Selly
1. At the time of submission of new applications
- Try not to ever ask for it via credit card agent
(Like a lot at the mall the mall, restaurants and supermarkets) even though they use
certain bank facilities, they still are not bank employees, but employees
company agent who works with that particular bank.
- If you want to make a credit card attempted to come directly to the Bank / Institution
Financial credit card issuer to the card center division of his (Credit Cards) or at least to
bank branches.
- Do not just look at the free annual fee for the first year only, so
close next year and find the card again for free annual fee again.
Here is prone to leak your data to people we do not know lain.Karena actors
from an institution that mischievously.
- Credit limit is the maximum cultivated 1 / 2 of our Take Home Pay (Yg ideal
the loan is 1 / 3 of our income), if too high just get off limits, rather than
difficult to pay.
2. At the moment already have Credit Card
- Try always to pay the entire bill is paid off before maturity,
so you avoid the cost and relatively high interest
- Rate credit card interest rate is always above other loans because the credit card
is a loan without collateral, usually a percentage rate is the monthly, so
you must multiply by 12 to know the rate annually.
- Calculation of credit card interest rate is since from our transactions or taking cash
have walked the flowers, but if you pay in full (Full Payment) before falling
then we release date flowers.
- Do not inform the data available on our credit cards to others,
including close relatives, whether the card number, expiration, name printed on the card,
and so forth. Beware of marketing via phone (Tele marketing) that
said if from the Bank as the card issuer and have cooperation with them
good insurance, hotels, clubs, etc. cuman remember their tricks, and never love
know your card number to them! as well as other data, including data issuing bank
card.
- We seek to swipe the card at the time Kedit, cashier swipe in front of us, ordinary
occurs particularly in the restaurant of our card to the cashier first brought their new friction
without the presence of us, well this is best avoided. Always rub in the face
us.
- Do not ever order goods via the internet with our credit card mentions,
Avoid this model of how to spend even more if the transactions and in diWarnet
companies that can not be trusted (not bona fide)
- Always check your credit card, if lost immediately report to the bank card issuer to
avoid abuses.
- Do not behave consumer, feel I have a credit card can be Cicil and remember bill
you still have to pay, do not burden your own
- Have a credit card today is not a luxury and prestige, so ngak
need to have credit cards lined up, my advice is 1 of the Visa and Master 1 longer than
Card with two different publishers, which provide the most benefit
and good. For example in a supermarket discount percentage, discount dining all
percent, etc.
Hopefully some of these tips can be useful, and others can add more fields as there yag msih less.
Source : IYUS (web sellycantix.multiply.com)
Credit Card Mailing List: finance.groups.yahoo.com/group/Kartu-Kredit/message/611 web
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