4 Benefits of Credit Cards, Help Manage Your Finances

  Having a credit card can provide a variety of financial transaction conveniences. Starting from the facilities offered to promos and discounts that always pamper its users.

Credit cards are not always synonymous with waste. If you can use it wisely, then credit cards can actually help your finances.

Credit cards generally provide various attractive offers and discounts, as well as 0 percent installments. Take advantage of these advantages when shopping, especially when you have to buy necessities at a fairly expensive price.

4 Benefits of Credit Cards, Help Manage Your Finances

For example shopping for product A, with credit card B 50% discount. This means that you only have to pay for the product at half of the original price. While if shopping using cash, there is no discount.

Usually, promos from credit cards are not just one product at one merchant only. But it's diverse. So it will greatly reduce your expenses, especially when shopping monthly.

Here are the benefits of credit cards to help manage your finances, among others:

Plan regular expenses

The benefit of holding a credit card is how to pay bills in full or in installments. This facility makes it easier for you to plan your personal financial budget.

Especially if you intend to make a large purchase, the way the payment can be arranged according to the budget plan and the ability to pay.

In addition, credit cards also offer payment facilities for various bills through one door, such as telephone, water, electricity, and cable TV. 

By using the payment facility of all these bills through a credit card, you can avoid forgetfulness or late payment because it will be billed along with your credit card bill every month so that the financial budget per month is clearer.

You can also use this payment tool to meet the monthly shopping needs of households. Take advantage of promo offers and discounts to save on expenses.

Shopping for expensive items free of flowers

The next credit card benefit, which is to be able to buy expensive items without interest. How can it be?

This is because credit cards provide 0% installment facilities to users. 0% credit card installment is a credit card facility that allows you to pay a fixed amount.

This means that there is no interest or so-called 0% interest. How 0% installments work, which is when you buy an item with a 0% installment scheme, then the amount of money that will be billed to you does not change.

For example, buy a laptop for Rp 12 million using 0% installments. Tenor or payment period of 12 months, then every month you pay rp 1 million as much as 12 times.

No interest expense is charged. You are only obliged to pay off the principal debt or the total purchase price. 

Track spending easily

Sometimes, spending or shopping doesn't go according to plan. Even if you have a tight budget every month.

In some cases, some people find it difficult to keep track of where their money is used. But different things will happen when you have used to use a credit card when shopping.

On the credit card bill, you can see all expenses in more detail. What items have you bought, how much they cost, and when you buy them.

That way, you can immediately do an evaluation so as not to repeat the same mistake in the next month. Shopping is more controlled and credit card bills remain safe or not swollen.

Convenient shopping without cash

Carrying a lot of cash is often troublesome. In addition to not fit in the wallet, carrying a lot of cash is also prone to theft.

It is more practical and secure to transact finances with credit cards. Pay anything just swipe, because currently the minimarket has received payment using a credit card.

Even abroad. Credit cards, such as visa and mastercard logos are widely accepted in many countries, so that any transaction can run smoothly.

Want to eat at restaurants, shop at the mall, rent a car, and other transactions do not need to bother. Just swipe, all the payment matters are in order.

The most important thing is always to take care of your credit card. Do not lose and always use a PIN code for credit cards, instead of using a signature.

Stay Wise using a credit card

There are many benefits that you can get from a credit card. Understand well what features are offered by your credit card, so you can use it to the maximum.

Enjoy all the benefits of credit cards, so you can more easily manage your finances in a smart way.