Do you already have a credit card? Or are you confused whether you want to make it or not?

Credit cards are a practical cashless payment transaction tool that is easy, secure and has been widely used by the public.

You could say that nowadays almost all transaction activities of living needs to lifestyle today so it is easier if we have a credit card.

Credit Card

Did you know that you can make more profit when transactions with credit cards than debit cards? Yes, there are many benefits that you can get from using credit cards wisely and actively. 

8 Reasons Why You Should Have a Credit Card

1. Transactions Become Easier

When you have to make transactions but do not hold cash or do not have enough money. Relax, no need to panic or be confused to find a money loan because the credit card is ready to help you.

Credit cards are very useful in helping any transaction, from online shopping to offline. All your financial transactions become easier and more profitable let alone payment with a credit card there are always various promos to cashback that you can enjoy. 

2. Practical

Imagine, by having one credit card you can do any transaction and you no longer have to bother having to bring large amounts of cash when traveling / shopping or have to wait for the payday date first if you want to shop.

All can pay using credit cards ranging from online shopping buying electronics, food, clothes, to pay monthly bills (electricity bills, water, internet, cable tv, and so on).

Transactions with credit cards are not only practical but can make you become more knowledgeable about your finances.

Because credit cards collect and record every transaction you make. All transactions will go into the monthly billing history so you no longer need to be confused where your money flows because everything has been recorded on the credit card. 

3. Provide Security

Everyone doesn't want to lose money. In addition to being annoying, losing money will certainly also be detrimental. Therefore, it is very important to make sure your money is always safe.

But with credit cards we no longer need to be afraid of losing money, because as explained in the first point, with credit cards we no longer need to carry cash.

So, we don't need to feel anxious when walking or being in a crowd. You just need to keep your credit card and personal banking data safe.

Remember yes, personal data that is confidential such as credit card number, CVV number (card verification value), OTP code (one time password), the name of the birth mother you must take good care of. 

4. Flexible

With a credit card, you can make transactions anytime and from anywhere. Of course, in this day and age, with online shopping credit cards is getting easier.

For example, you again need a laptop to support work from home to be more productive. But the condition, your savings are not enough to buy a laptop for Rp5 million. Even though your target brand laptop again discount flash sale. Well, the lucky thing if you have a credit card is that you can directly buy the laptop.

Or the situation, you are walking in the mall and see there is a massive mobile phone discount that only applies in a short time but you are upset because the payday date is still long. Just use a credit card, you do not need to be upset for long and immediately have the goods you need and want. 

How to pay for online shopping with a credit card is also very easy. The trick, choose payment by credit card and then you just fill in the identity data, fill in the credit card information (username, credit card number, Card Verification Code (CVC) or Card Verification Value (CVV), card expiration period) and click pay. 

5. Help in frugality

Having a credit card can help you downsize. Credit cards often cooperate with shopping places, restaurants, hotels, and many other things.

The promotions it does are often very profitable for consumers. If you have a credit card, you can enjoy all the things they offer with a myriad of promos / discounts to rewards that can make you happier because it can be more frugal.

Generally the promos are given such as 10% discount, 20% or even 70%. Not to mention there are rewards in the form of points that you can get and exchange for shopping again later.

Of course, if you are dealing using a debit card, it is very rare for there to be special promos or discounts, because all the facilities can only be enjoyed when you transaction with a credit card. 

6. Protect during an Emergency

Disasters can happen at any time, but we don't always have enough money to overcome them. The advantage of having a credit card is that you can use it for emergencies. Credit cards provide certainty that you will always be protected under any circumstances.

For example, you need money to pay hospital bills or buy medicines. In addition, other emergencies can be like you need cash for very urgent needs.

Here, credit cards have benefits that can help you that you can get an unsecured instant loan to take money at the ATM. The feature of withdrawing cash using a credit card at an ATM machine can be done but you also have to understand the cost and interest. 

7. Secure, Can Transaction Worldwide

Countries in the world have different majority currencies so we must first have local money when traveling.

But what happens if you don't have time to exchange money for the country's local money? Or for the sake of security you should not bring large amounts of cash when traveling.

This is what makes a credit card so necessary. Credit cards are a universal means of payment that applies all over the world. Any transaction in any country can be easily and practically done as long as you have a credit card. 

8. Available 0% Installment Service

You can directly buy dream items to vacation tickets by using a credit card. Credit cards provide installment facilities so that you can pay them within the specified period of time. For example, installments with 0% interest. So, you don't have to be sad or wait months to be able to have a new laptop or cellphone, especially if you need items that are urgent and you need.

Wise to Use Credit Cards

That's 8 benefits if you have a credit card. By knowing the benefits that you can get, it is expected that now you understand and not be confused anymore.

The key is to understand the function of credit cards to help finances, be wise in using them so that you will always feel the benefits of credit cards, not the other way around.