Here's How to Use Your Credit Card for Holidays to Get Lots of Profit

TRIBUNBATAM.id - Many people assume that using a credit card is identical to a wasteful and consumptive attitude.

However, do not rush to judge negatively because apparently there are many benefits on credit cards that you can take advantage of, especially for those of you who plan a vacation at the end of the year.

Credit cards generally offer attractive offers to users. So that your credit card can be profitable, of course, its use must be appropriate. 

According to financial planner Budi Rahardjo, there are several ways to use credit cards to make a profit, including: 

1. Avoid debt

Many people think, a credit card is a card that makes it easy to owe. However, credit cards actually play an important role, namely as an emergency fund. 

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Therefore, if you want to use a credit card while on vacation, make sure you don't pay in debt. That is, when the bill is due, you can pay your usage without installments. 

2. Measure the ability

Measuring your ability to use credit cards is quite important. If you are benefit oriented, it must be balanced with your ability to pay bills when due.

Budi gave an example, if you allocate funds of Rp 15 million to Rp 20 million, then the use of credit cards for your vacation should not be more than the allocation of your funds. 

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If it turns out you chose a vacation with a credit card without measuring your ability to pay, then this is an inappropriate financial capacity. You impose a vacation with debt and this credit card can be backfire. 

3. Maximize the promos

The happiest thing is getting a promo or discount at a special price. Take the advantage of your credit card promos by staying within the holiday fund allocation limit. 

Besides the price being much cheaper, you also have the opportunity to get some points and prizes from using a credit card. 

"We use to get the promos and others. When due and must be paid immediately, then you will get the benefits such as points and others," said Budi. (*) 

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