Currently, banks are offering their credit card to consumers intensively, either through radio, TV and newspaper. Sometimes they offer with a very disturbing way, a call to the house or through a mobile phone, which somehow they could get the number.
In addition to the banking sector, today big retails such as Carrefour and others also continue to compete to issue their credit card. Carrefour for example, they partnered with international institutions to offer their plastic cards such as GE Consumer Finance and Mastercard.
Indeed, there are advantages and also shortcomings in the use of credit cards. It all depends on how you use your credit card. If you can not arrange the use of credit cards wisely, surely you will get financial debt.
Therefore, you should know deeply about credit cards. Here are things that need to be noticed before using a credit card.
Should have a credit card?
Before deciding to use a credit card, you make sure your purpose in having a credit card. Here are few reason in having a credit card
1). Credit card as payments facility.
Credit cards can be used as alternative payment tool, so we do not have to carry much cash, which have a high risk such as missing or fall in the street. If you think it carefully, credit card truly useful because you seem to get double pay or salary.
2). Credit card as a backup.
Credit cards can also be used as a reserve for unexpected needs, such as if suddenly there was a family who is sick and needs hospitalization, then first payment can use a credit card. This is not troublesome than if we had to go to the ATM or bank.
3). Credit Card for helping household bills payments.
There is a facility in the credit card, it’s called one bill. It means you can ask the bank to pay the bills at once through your credit card, such as electricity, internet bills and other bills. Thus, every month we are not preoccupied with paying to several agencies, but the payment can be done at once via credit card.
Know Deeply Your Credit Card
Once you determine your goals in using credit cards, then you must identify about credit cards that you want choose. Here are some things that you should examine carefully.
First, you should find out what facilities can be enjoyed in the credit card. Bank usually provides many facilities for the convenience of credit card users, from discount until the lucrative gift. But remember all things are not important. Know your needs and select the appropriate card for you. In particular credit card there is an insurance facility, so that if the card holder dies, the insurance company will pay off your bill.
will be continued in next posting
