In order to make transactions easier and more efficient, a credit card payment tool as is known today. The existence of this credit card to change one’s lifestyle in the transaction. People who used to often use cash transactions slowly switched to credit cards.
Only with one credit card, then the payment business will be completed in seconds. Every credit card user does not have to bother carrying a lot of cash when he wants to travel. For example, shopping centers, when traveling and so on.
Even so, anyone who has a credit card is not recommended to continuously use it without a good financial system. Because uncontrolled use can be bad for the financial. But if faced with certain situations, you certainly can not refuse to not use a credit card. Then, what are the situations? The following reviews have been summarized Good Finance from various sources.
When the desired item is discounted
Desired goods during this sudden discount? Without thinking, you will definitely buy the item even though the payment method must use a credit card. You consider this discount as luck and luck is not something that should be wasted. At least that’s what is in the mind and mind.
It’s legitimate if you want to use a credit card to enjoy attractive discounts. Just don’t use credit cards as a tool for impulsive shopping. Keep in mind the reasons or motives behind the desire to buy. Do not let the goods purchased are not used and only used as a display.
There is a certain amount of cashback
Who is not tempted by the cashback offered by credit cards? As many as 95% of people seem to be tempted and will be willing to use their credit cards to enjoy this cashback, especially if the amount of cashback can reach hundreds of thousands in one receipt. Just like a discount, cashback is believed to be effective in reducing expenses.
It’s just that the cashback given is limited because there are terms and conditions that apply. So, only certain people can get it. If you are included, it is natural to swipe a credit card even if it is a little heavy-hearted.
Entitled to get a lottery
The intention to minimize the use of credit cards is likely to fail miserably if the issuing bank holds a lottery for each user who transacts with a credit card. This is reasonable because the prizes of each lottery are usually very attractive, even more, attractive than promos or discounts up to 90% offered by a merchant.
If the bank doesn’t limit the lottery numbers for each user, you will be happy to use as many credit cards as possible to get more lottery numbers. If necessary, you will borrow other family members’ credit cards to increase your chances of winning.
Not allowed to pay in cash
Cash payments are still valid for most stores in Indonesia. But, there are some stores that no longer serve cash payments, but only accept by debit card or credit card. If the debit card machine is damaged, inevitably have to use a credit card to pay for items that have been purchased from the store in question. If not, the item must not be taken home.
It is legitimate if you return the item you want to buy to its original place, but there is a sense of discomfort or shame because people see it. At times like this, credit cards will be very useful. So, always carry a credit card anywhere just in case.
Shopping on foreign websites
For those who like to shop, especially branded goods from abroad, a credit card will definitely be very useful to facilitate payment. Moreover, most websites abroad only provide payment instruments in the form of credit cards and even credit cards with a special logo. If the logo does not comply with the website policy, you are not permitted to complete the purchase. Very unfortunate, right?
Even more unfortunate if you don’t have a credit card at all. Want to borrow from someone else? Certainly shy and a little embarrassed. Logically, your time involving other people to facilitate online shopping activities? It would be better and efficient to use your own credit card.
A mediocre cash amount
One of the risks of paying cash is running out of money in a short time, especially for those of you who like to shop. Try to imagine if the money in the wallet runs out, you will find it difficult to buy an item, including daily necessities.
In the opposite condition, if the transaction is done with a credit card, you do not need to spend any money to buy any goods. This means that the amount of cash held will remain intact. Even if it is reduced, the shortage is not too significant or just buying other necessities of value.
Experiencing emergency matters
When things that are emergency occur, what will you do especially if the emergency requires a sizable cost, for example buying electronics such as laptops or washing machines, medicines and so on? Yes, most people will definitely rely on online loans. However, this loan can not be disbursed just like that but must go through a rather long process.
In this situation, a credit card would be the right choice. With one swipe, the immediate emergency needs that are being faced will be quickly resolved.
Use Credit Cards Wisely
Credit cards don’t always have a negative impact on someone’s finances. In some aspects, a credit card will actually provide the maximum benefit for you.
Provided that with important notes that must be embedded in yourself, namely using a credit card wisely both from shopping needs to obey paying the installments until they are paid off. so that financial conditions will remain safe without having to feel afraid of debt that has not been paid.