Credit Card Functions and Its Application Mode
Basically credit card function is to facilitate the transaction. You do not need to carry cash in large quantities that could endanger your safety or your money. Another plus is its flexibility in the modern business world, especially in online business. In this business credit card is needed.
Benefits
Uses credit cards are felt during an emergency. For example, when you or your family own operating costs or hospital costs. Especially when you're not having a supply of cash.
Using a credit card, the new bill will come one month later or more without interest. Even if that time you still do not have the money also to pay it off, although you can still installments with interest.
With credit card, you also have the opportunity to enjoy the promo-promo offered by credit card management, such as discounts at hotels, restaurants, shops, travel agents as well as the acquisitions of goods which can be payable up to 12 months without interest.
In addition, card holders, you also can borrow cash from your bank without cumbersome procedures and the payment can be paid by installments with mild interest per month.
How to Use the Right
• Have two credit cards issued by two different banks that the number limit when combined roughly enough to pay the costs of emergency hospital if one day you need it. Do not use too many cards. The more cards you more and more cost should you spend each month.
• Try to print on different transactions between cards with another card so that you are not burdened with having to pay a lot at once to your bill.
• If you do not have to, do not just pay the minimum bill. Better to be paid immediately so you do not have to pay huge interest charges. Save your opportunity to pay the minimum bill is when you really are not capable.
• If not very, very forced, do not use credit cards to withdraw cash at ATMs because the interest is very high and is calculated daily from the time you withdraw it. Better to use the loan facility offered by the bank for the card holders that the bill followed the routine bill print date.
• Do not be fooled bargains by phone or internet, and do not easily tell the card number, expiration, or your personal information because the information-this information could be misused. Make sure you collect and store purchase orders that you really do to be matched with the bill came. It's also useful to monitor your spending.
Questions and Answers
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