Credit Card

What is Credit Card ?

The credit card is a payment instrument lieu of cash that can be used by consumers in exchange for goods and services in certain places that accept payment by credit card. Credit cards allow customers to make transactions by swiping a credit card and pay bills when due.

requirement to make a credit card

1.             Copy of ID

2.             A minimum age of 21 years and a minimum net income of Rp 3,000,000 per month.

3.             Photocopying earnings 

4.             Photocopy of TIN

5.             Photocopying passbook last 3 months

Characteristic Credit Card

A.      Front

1)      ID card

2)      Validity

3)      The name of the card holder

4)      The logo and the name of the issuing bank

5)      The identification number of the issuing bank.

6)      Hologram (three-dimensional images) in particular 

          to: Master Card, Visa, Astra Card, Bank Card.

B.      Rear

1)      Signature Panel (signature panel)

2)      Magnetic Stripe

3)      Number Debosing (numbers printed sink) which

          is equal to printed on the front.

Advantages and Disadvantages of credit cards

Advantages

1.             Safe

Some people will feel safe because when shopping, people do not need to carry a lot of money. And do not worry about losing money. If you lose your credit card, then you can report it to the bank to block your credit card.

2.             Practical

you do not need to mention the hassle of counting the money to be paid. And we certainly do not have to bother carrying cash in large amounts.

3.             Easy

if you are in need of a particular item, but we do not have the cash, you still can buy it with a credit card and you can pay off later. It would be advantageous if there are certain discounts that apply in a short time.

4.             The specific Promotion

When using a credit card, sometimes - sometimes there are promotions in the form of 0% installment and discounts when purchasing goods with credit cards.

Disvantages

1.             Debt

If you use a credit card, then you owe to the bank. If your debt is too big and you can not pay it off then you will get into trouble.

2.             Financial management is chaotic

You should be able to manage your finances well so that when you use a credit card, you can pay the bills. For that, good financial management is needed.

3.              Be consumptive

Ease offered make credit card users into the consumer because it was facilitated mainly for the shopping. This is what should be wary of.