It turns out that quite a lot of people have the wrong perception about credit cards. In fact, some of the uses of credit cards that have a share in making financial so healthy you know.
Understandable if there are people who feel come up short with a credit card. Investigate to have their own overdrawn credit card users because of their wasteful nature in shopping. Yes, of course. Use a debit card will also come up short if you have wasteful nature.
As long as it is used correctly, credit cards can actually give a lot of profit, you know. Well, in a credit card review this time, Good Credit wants to tell you what the use of credit cards that give a positive impact on finance. C’mon, pay attention.
1. Pay installments can be without interest alias 0 percent
One of the uses of a credit card is the zero percent installment benefit.
The use of this credit card is the most preferred by many users. How do you not like it? Buy items with credit card installments not subject to interest at all alias 0 percent interest.
Yummy again, this 0 percent credit card installments have a tenor of up to 24 months. Really great, right? Then, your shopping can be even more efficient because of the additional promos of the items you buy.
However, you can enjoy this 0 percent interest as long as you pay the installments on time, aka never late. You see, just late a day, you will be charged credit card interest of 2.25 percent.
Also, avoid credit card minimum payments. Because, it also can make the 0 percent interest provision no longer valid.
2. Transactions are more efficient because they can promos
Transactions are more efficient because there is a promo which is also the use of a credit card.
As long as it is used correctly, the credit card can save your expenses. Why is that? Because credit cards always offer many promos, ranging from cashback, discounts, to rewards.
The promo is not half-hearted you know. You can get promotions such as discounts or discounts of up to 50 percent. Especially for you who like to travel by plane. You can exchange your rewards for plane tickets.
3. Can easily submit a loan
The use of other credit cards is to help facilitate lending.
Because using a credit card, you can easily apply for a loan. Just so you know. Quite a lot of you know bank loans or KTA that include the requirements must have a credit card. Even loan applications are processed faster thanks to credit card ownership.
Already so, some credit card issuing banks provide special credit card user loans, namely cash.
The amount of the loan provided from the credit card cash program is not half the burden. You can get funds of up to USD 200 million. The flowers offered are also interesting you know. You can get 0 percent loan interest for three times the repayments. Really delicious, right?
4. Maintain credit collectability
The use of credit cards is to maintain credit collectability.
Using a credit card can in fact help you maintain credit collectability. This is the reason why credit card users are easier to apply for loans such as KTA than people who do not use credit cards.
As Good Credit has reviewed previously, credit collectibility must always be quality 1 if the loan application is approved. Paying credit card installments on time, aka never late, makes quality loans continue to be of quality 1.
So you have to be vigilant if your credit card installment payments are too late. You can check the status of credit collectibility in the Financial Information Services System (SLIK) of the Financial Services Authority (OJK). There you can get information about your credit history.
Interest in having a credit card? These are the conditions
After knowing the use of credit cards above, you want to not have a credit card? It turns out that filing a credit card is easy, you know.
Some of the following credit card application requirements will certainly not be difficult for you to fulfill. Anything?
- The minimum age of the holder is 21 years, while for an additional card a minimum of 17 years
- Show your KTP for Indonesian citizens (WNI) or show your passport or Limited Stay Permit Card (KITAS) for foreign nationals (foreigners).
- Show salary slip.
- Show NPWP.
The conditions are simple and easy, right? For those of you who submitted, good luck and be accepted!