You surely have heard of a method of payment using credit card, isn’t it? The presence of credit card not only facilitate cashless payments become more, but can also allow you to make transactions even though it does not yet have enough money to purchase the item. Yet, credit cards often come with a variety of promos so that shopping activity more interesting. However, the use of can-can make you trouble paying off credit cards.
However, it’s not that credit cards are the things that should be avoided? Come on; check out some tips for choosing credit card for you:
1. Select which offers free annual dues.
You can see the promo anything they have to offer. Generally, to lure the hearts of potential borrowers, a new bank credit card issuer will offer some direct gifts and also a free annual dues (annual fee) in the first year. You should also be looking closely at how with annual dues will be billed in year two and beyond, make sure if there is a promo for the abolition of annual dues as well.
Usually the program for elimination of annual dues already exist with a variety of options that can be performed by its customers, as do the program three times for purchases, do certain nominal with spending in a given period, and still a lot of other programs that you can follow to abolish the annual dues.
2. Choose a Bank that is easy in terms of Requirements
Usually one of the terms of the submission of a credit card is a credit card copy others. Well, for those of you who don’t have a credit card of course this will be difficult. This is the kind of thing that can make us back off when wanting to file a credit card, but don’t give up just yet, there are still other credit card issuer bank which does not ask for photocopies of old credit cards as one of the terms. Therefore, you should be able to sort out the credit card issuing bank that could provide ease in filing the application.
3. Select the credit card limit for small
For those of you who just have the first credit card, you better choose from the low ceiling, so you will be able to learn and easier to manage your usage, spending and payment of your first credit card. As a result you will not fall into uncontrolled credit card debt.
Try to imagine if the limit given is large from the beginning and the entire limit is almost used up for spending. Surely you will be surprised to see the total bill and imagine how to pay it.
4. Locate the tribe of interest rates are low
There is a maximum limit on the grant of interest rates for purchases on a credit card that has been set by the Government namely 2.95% per month. But, that occur in the field there are still many credit card issuing bank that dared to lower interest rates.
This is an advantage for you that just want to have a credit card, because by having a credit card with a low interest rate will benefit if you forget to make a payment or else shopped too much by credit card First you.
5. Adjust to the lifestyle
Each person has a different lifestyle. Then try when choosing credit card first, you ask first to yourself, whether you want the credit card submitted will be in accordance with the requirements or the pattern of your life?
Each credit card issuing bank has their respective promos, and there are those who offer greater promos to make purchases. So, be sure to choose a credit card with a limit and a promo that suits your lifestyle, so that it is more fitting, economical, and you can also shop with satisfaction without worrying about paying it at the end of the month.
Well, before submitting a credit card, you might consider some of the tips above to be able to feel the benefits of a credit card that will be owned. Don’t forget to choose a credit card to suit your needs so you don’t have to worry about when the end of the month later. Whether you are interested in having a credit card? Come on, immediately select and submit the credit card that best fits you needs.