Jakarta, Kartunet.com - Despite their significant importance, credit cards should not be misused to prevent future complications.
This particular banking service product is incredibly important, especially in urgent situations. However, many people often struggle to manage them. Here's a wise guide to using credit cards, directly from reliable financial advisors.
Wise Ways to Manage Credit Cards :
1. Make it a habit to keep your credit card in a drawer, not in your wallet. Only use it for essential situations to quickly access funds, such as for hospital bills.
2. Choose one banking institution you trust when applying for a credit card and thoroughly examine all your rights and obligations as a customer.
3. Avoid impulsive shopping with your credit card. Use cash as a secure payment method.
4. Never be tempted by promotions offered by the issuing bank, such as 'buy one get one free' deals, as these are merely designed to encourage regular credit card usage.
5. You may use your credit card for important matters, but remember to pay off your credit debt in full at the end of the month to avoid troublesome interest accumulation.
6. Immediately cut up your credit card if you haven't used it for more than 6 months and, of course, have no outstanding balance, to avoid the temptation of using it again.
7. There may be times when you find yourself in a credit card debt dilemma. It's best to discuss this with the bank to resolve the issue wisely without burdening either party.
Our advice is to use your income as wisely as possible to avoid future difficulties. (Hendro)
Send your financial information or questions to email: redaksi@kartunet.com