Safe & wise tips to use your Credit Card

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

Tips Wise with Credit Card

source: web kumpulan.info/uang/solusi-keuangan/68-solusi-keuangan/234-bijaksana-menggunakan-kartu-kredit.html

Flexibility and variety of benefits offered by credit card partially offset by the danger either temptation to buy and live outside the ability. It is also the danger of abuse and credit card fraud. Given the danger behind the use of credit cards, then the wise thing what can you do?

* Do not have too many credit cards
# Having a lot of credit cards will cost you to pay annual dues and make you tempted to spend more. A maximum of 2 credit cards that must be owned. If you have more than that, you should immediately close the other credit cards. Considerations in choosing a credit card which will be maintained including interest rate credit cards, credit cards and limit the benefits offered by credit cards really useful for Anda.Anggarkan funds for credit card spending in the budget, enter the maximum amount of funds that may be used by kredit.Mencatat card purchases using a credit card with a note will help you find out how much you should pay so that will help you to 'brake' next purchase. This record can be matched with invoices to make sure you actually made the purchase.
Try to always pay the full bill
This is useful so you do not burdened by a very large flowers. Do not be tempted to just pay the minimum bill. If you already have a mortgage or credit card debt, prioritize earnestly to immediately pay off your debt by being more frugal. For example, by reducing the visiting cafes, shopping or eating out. If you are boarding or renting a home, consider whether you can move to another place cheaper.
#
Avoid using credit cards to withdraw cash
Credit cards can indeed be used to withdraw cash at an ATM, but it is not free. You must pay interest on the cash withdrawal value even higher than the rate for spending.


# Beware of credit card fraud
Standby credit card fraud increasingly diverse either by phone or Internet. So, keep careful not notify the credit card number, expiration date, or other information to strangers. Do not lend your credit card to someone else.

Do not let your finances get worse with credit card debt. Use credit cards wisely so that your finances remain strong.

Additional tips web resources blog.ngaturduit.co

* Pay your credit card bill in full each maturity date or at least 80% of the existing bill, do not pay the minimum paymentnya, because large flowers resulted in subsequent
* Use a flat rate for each transaction spending, with this bill will relieve us of every month, now many banks have implemented a flat rate for their transactions, such as 1.67% or even 0% depending on the time period specified installments

7 Biggest MistakesUsing Credit Card

Article by Konobe , Edited by Edison

Recently I read the news in seconds if the NPL (non performing loans) credit cards in Indonesia has more than 10%. I also remembered an article written mate Edison telescoped 2009: The threat of Consumer Credit. Well, apparently it had started to show predicted results ..
Although the threat of breakdown of the credit card has a pretty frightening impact on the economy, this article I will discuss this issue from the other side, namely from the side of the credit card holder.
When bad credit card, of course, the 'headache' is not just the Bank alone. The card holder card (generally) are also experiencing depression that is not small. An example is an acquaintance of mine. He has problems with her credit card until the anxiety and stress. Almost every day he was called by debt collectors. Not just a mere reprimand he received, but also a threat. In fact, from my observations, he was among those who simply are.
So why do these my friends got caught in credit card debt? Although I do not know exactly why, but most likely he was to do one (or even several) of the 7 biggest mistakes in using credit cards. So what's 7 biggest mistakes?

MISTAKE No. 1: No pay all credit card bills

This can be said is the main cause why many people are caught in credit card debt. Not a few people who only pay a "minimum payment". When you do this, then the remaining balance will be exposed to very high interest rates (can mencapai2, 9% -4% per MONTH!). When you make this mistake, it's like you've taken the first step to enter into credit card debt bondage.
Pay off all your credit card bill!

MISTAKE No. 2: Taking credit card as a debit card (ATM)
This is one of the most fatal mistake in using a credit card. Credit Card Debit Card is not (ATM). Avoid withdrawing money using cash credit cards because this will attract interest and cash withdrawal fees are very high (even higher than the numbers I wrote in error No. 1).

MISTAKE No. 3: Using credit cards to pay debt
Including credit card debt into a kind of "Unsecured Debt", aka debt without collateral. Such debt is subject to high interest rates. Therefore, such debt is not just used for capital business will be extremely burdensome for the financial condition of the business / your business.

Other errors are classified as 'similar' is to use a credit card to cover debt repayments or type "Secured Debt" / debt using the guarantee. Debt is using the security (such as mortgages, KMK, etc.), the interest generally lighter. Therefore, if you use a credit card to pay the debt of this type, you actually 'trade' interest debt with a lesser interest debt heavier.

One of the 'catastrophe' in the largest credit card when an error occurs no.2, and no.3 error 'combined'. The most common examples of 'calamity' as this is when credit card holders get cash with a credit card to pay another credit card.

MISTAKE No. 4: No discipline to control the use of credit cards and bills
This error usually starts with the sentence 'first string aja ..' and then at the end of the month followed by the phrase 'Oh my God!?! Kok gede amat the bill '.

Determine the maximum limit allowed you 'string' every month. Then the control and record each use of your credit card every day. When the amount of usage is already approaching the maximum limit you specify, 'seal' your credit card, or if necessary (for the weak against the temptations of shopping), leave the credit cards at home.

Related to No. 4 this error, is not disciplined in credit card payments. Do not wait until the day of the final limit to pay off your credit card, because if the day you are busy / forgot / no business suddenly, it might be no charges paid.


MISTAKE No. 5: Too many to have Credit Cards
Credit Cards The more you have, the more difficult for you to control expenses each credit card. In any settlement of credit card you will be more troubled because the need to remember the date of repayment of each card is not too late to pay.

Some financial planners recommend to have a maximum of 3 credit card only. If more than that, maybe start to consider to cut the rest.

MISTAKE No. 6: Taking Credit Card as 'Additional Costs'
Although it sounds hard to believe, but not a few people who think as Money Credit Card Supplement. When the credit card application is approved, they get excited like a 'windfall'. Often this then leads to the 'shopping party' using the new credit card.

Having a credit card does not mean that you have more money to spend.

Credit card is not a 'blessing', 'bread' or 'windfall'. If you are not wise in using it, which is actually just 'catastrophe'. Remember that credit card is just a payment tool and not additional income. You may owe to the bank by using a credit card, but sooner or later the credit card debt you'd have to pay.

MISTAKE No. 7: Using a credit card for ALL purchases and payments
Not a few people use credit cards for all types of spending. Yet, for some types of products, would be better if purchased with cash money.

When you shop with credit card, the seller of goods will be charged for 2,5-3% of the transaction price by the bank. For some types of products (especially the small profit margin), a seller of goods is not willing to bear these costs, thus passing these costs to the buyer (aka you).

Usually in cases like this, sellers will say that 'If using a credit card, we put on a charge of X%'. At this moment, this is usually a charge of 3.5%. If you still buy it this way, you have to pay 3.5% interest only for 'delay' while paying groceries. And your money you put in savings earning interest is far below that.

Even if the seller of goods is not wearing a charge, try to ask if there is a discount for cash purchases. Often you will get significant discounts for purchases using cash money.

source: web janganserakah.com