How to optimize your credit card
Friday, November 16, 2012
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A credit card is indeed very gives ease for our lives. Even most people consider if his purse filled with assorted credit card then he is prestigious and bankable. Moreover, if the type of credit card that is platinum/titanium from leading foreign banks that are rated very prestigious. You may be including?
But
the next question that arises is whether or not you also include people
who have a track record of healthy in the Bank Indonesia to this
consumer credit or vice versa is struggling to break out of the vicious
cycle of credit cards. Maybe you just realized it
has been stuck in credit card debt problems, after a day and night
being pursued by a debt collector. Still capable
of kuatkah and you (and family member at home) face terror debt
collector credit cards a certain famous foreign kebringasannya? (tau khan which hehehe) Or you do not have a problem with a credit card, but instead greatly helped him.
If examined further, the motives of someone using a credit card can be classified into three groups, namely:
The first group is using a credit card to buy goods and services that it is required and is already budgeted. Hence they always pay off the entire Bill before or at maturity. This
group can be said to have been able to control the use of her credit
card and understand very well the risks and dangers of the use of credit
cards.
The second group are those who consider a credit card in lieu of pay tools in the shop. So
easy it is to use a credit card to involuntarily seen is not enough or
whether the money belonged to but rather see if the limit of his credit
card is still pretty or not. This type of can not see the difference between the materials bought in cash compared to the mortgage/installment. Surely
these groups including those that are not sensitive to interest rate
movements so that it becomes easy target credit card issuer. Only
with the lure of shopping amenities and promotions such as the merchant
discount, free cinema tickets, complimentary airport lounge, the ease
of raising the ceiling of credit, collection of points shopping,
currency flight tickets with prize (reward point), or the transaction
via telephone can make the holder of credit card is fast mengesekkan
cards. From this group of credit card issuers earned the annual dues (if worn), interest on debt, and the fee from the merchant.
The third group are those who consider a credit card as an extra money (extra money) in addition to cash. Since the beginning, it will be used as a tool to owe. This group of very high risk into financial problems due to the lack of ability to pay. They often ignore what is actually real interest rates on credit card debt dibebankannya. This is a group of consumers who potentially had bad credit (bad debt) if central banks raise interest rates, which encourages anchor rising market interest rates including consumer credit.
This article was made to arouse the consciousness of your return as a consumer credit card. Should
we don't overlook the things important in having a credit card, such as
how to choose a credit card issuing bank, card type, important dates in
the credit card, as well as the strategy of using a credit card.
Start
by selecting a credit card issuer that is credible, experienced, clean
transaction administration, accepted in many places, the interest rates
are quite competitive or lower, giving a deadline of a long maturity,
annual dues are competing even free at all, there is the clarity of the
details of the charges (a fine late mortgage payments, cost more, the
cost of replacing the card, if applicable), the ease of paying bills,
insurance (which will be paid the full price of your bill if passed), discount cards, rewards points. Adjust with the ability of your bags before choosing the type of card silver, gold, or platinum/titanium. Never again to apply the concept of "large pegs of on" since you've been Klabers now.
Remember the deadline is due (grace period), date print bills (statement date), and the due date of bills (payment date). This is the advantage of using a credit card to support the transaction and manage cash flow. The longer the maturity deadline is certainly the better for us. You
will not be charged interest if shopping credit after the print date of
the Bills and pay off entirely on the due date of payment.
Think twice if you want to "swipe" but did not want to "held hostage" by credit card and debt collector. Please
use a credit card seminim possible to owe and the maximum possible to
ease Your tranksaksi activities, such as shopping and bill-paying
household bills. Suppose some sort of short term funding (short term
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Title: How to optimize your credit card
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