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TRIBUNBATAM.id - For some people, having a credit card is a form of luck in itself. Besides making it easy to make installments, it is certain that some shops or merchants offer special promos, discounts and rewards for certain credit card holders.
Launch from CNBC page, Sunday (3/11/2019), there are three mistakes in using a credit card. Here are the following 3 of errors:
1. Make a minimum payment
One of the most tempting things as a credit card user is making a minimum payment for the amount of the bill given to you. Indeed making minimum payments is a tempting thing, because you can allocate your funds for other needs.
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Let's say that your credit card interest is 2.95 percent, then your cumulative total debt or credit is IDR 1 million. You then choose a minimum payment or 10 percent of your total bill of IDR 100,000. If in the following month you do not have a transaction, then your remaining payment is IDR 900,000 plus interest of IDR 26,550.
2. Tempted special merchant promos
Each credit card has attractive promos at every merchant that works together. However, the interest set by the merchant is generally the deferred interest. This means you have to pay off credit before the promo period ends.
"Special financing options are available for specified credit limits if they pay off the specified tenor. However, interest will be included in your bill if payment is not paid during the promo period, "said the Amazon credit card service provider.
3. Use a credit card for rewards or gifts
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Credit cards do indeed often provide a variety of tempting rewards for credit card holders to spend their money. However, to get a reward you must meet the minimum requirements set by the store or merchant.
If you tend to shop regularly, you might benefit from a store reward program in the long run.
But do not just because you dream of a reward or gift, you shop for something that is not useful for you. Surely this will be very detrimental, isn't it? (*)
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