Credit cards are held with the aim of making it easy for people to make transactions. Therefore, there is nothing really wrong if you have this non-cash transaction tool.
Although we have been told what are the benefits of using a credit card, there are still people who think that using non-cash cards is a financial loss.
In fact, clearly the offer of credit cards from discounts, cashback, to rewards really helps save expenses. Moreover, the offer of 0 percent interest for credit card installments, very helpful.
In addition, there are some things that must be known, especially women regarding credit cards. Here are some things that women need to know about credit cards:
1. Useful for building bank trust
Think long term when you want to have a credit card. Because the role of this one transaction tool is so meaningful in the future. For example, you want to have a house or apply for a KTA loan for venture capital. Thanks to this transaction card, you can easily win bank trust.
Banks if lending or approving credit always consider the credit history of the prospective debtor.
If in the debtor’s information or iDeb the prospective debtor has a good credit score, there is a great chance that the prospective debtor gets a loan.
Another story if the credit score of the prospective debtor is bad or not updated at all, the bank will think long and ultimately reject the submission of the prospective debtor. The thing is, banks don’t want to risk their customers’ funds to prospective debtors who have the potential to default.
By routinely using a credit card and paying full bills each month, your credit score will always be shiny in the eyes of the bank. Your opportunity to get credit is certainly great.
2. Credit cards have protections that are not owned by debit cards
A debit card at a glance gives good security. Therefore, the transaction is secured PIN number. Unfortunately, transactions that occur without your knowledge are impossible to return.
Another story if you use a credit card. You can refuse bills that you shouldn’t pay. You can submit a refusal to the bank with the reason not to do the transaction.
Later the bank will process and declare the transaction is not your transaction, so you don’t need to pay the amount of money that becomes your bill.
3. Have more than one card, but use it still knows the limit
It’s only legal if you have more than one credit card. Provided, you still know the limits in using it.
Whatever card you use must be adjusted to your ability to pay. Don’t use a lot of cards, but can’t pay. It’s just the same as piling up debt, and letting you pile it up.
Do you really want to be chased by the debt collector because of not paying the debt? Certainly do not want it. That’s why know to what extent you are transacting with a card.
How to determine the limit is easy really. You just use the card with a percentage of 30 percent of your salary. With credit reaching the limit, you won’t be burdened to pay bills every month.
4. Not all rewards are beneficial, so choose the right card
Credit cards have many uses. There are cards that are beneficial if used for eating, there are also cards that are beneficial for traveling. That’s why you have to selectively choose the cards that you want to use. Find out in detail about the benefits or rewards offered by the card.
Do the benefits or rewards provided benefit you? Or is it actually not useful at all? Besides information about the rewards card is easily obtained how come through the bank’s website that provides the card. So, there’s no complicated story to get the info.
Those are some things that must be known by women who use credit cards. Hopefully the information above is useful for you who are looking for a credit card.