Most uncomfortable when we
have credit card debt. Even so,
it seems we can not stop its use.
Once a card is almost paid off,
we immediately use it to shop again.
The longer, you also emboldened to
buy goods more expensive,
even using the same card for the cost of
your clubbing. After that,
because one card is felt not enough,
you receive an offer from the sales bank to make a credit card again. Finally, the debts are increasingly ensnare us.
Basically, the error in the use of credit cards originated from the first time you make a card.
1. Bringing more than one card in the wallet.
Greater likelihood to shop because you feel you are supported by different cards. In fact, using your card becomes much more difficult to keep track of your expenses. When you begin to feel heavy with credit card bills, better keep your credit card in your drawer until the bill actually paid.
2. Increase credit card limit, but rarely use it.
Sales of credit card data bases are now often sell them to the other party so that you often receive calls from various banks that offer their products. Supposedly, you're angry because your data is bought and sold. You even persuaded the seduction sales by accepting a new card with a limit of USD 200 million. In fact, you are only traveling when going home holiday, you are not the type who likes fine dining, shopping is more often go crazy when in a factory outlet. Believe or not, if the card was never used, you will only inconvenience receive sales calls from parties who continually offer the program. Until when you can no longer avoid it, eventually you are forced to accept a program that you do not need it.
3. Only paying the minimum payment.
You have more than three credit cards and their respective number of bills equal to your salary. Let's say your salary to Rp 5 million per month. Means the third bill your credit card up to Rp 15 million, with a total minimum payment of about Rp 1.5 million. If every month you are only able to pay the minimum payment, calculate just how long your debt will be repaid. You still have to pay interest, a percentage, that later it will increase the amount of your bill. That is, you have to pay a debt that you did not do.
Therefore, pay your debt is more than the minimum amount to be paid. At least, 30 percent of the total bill. When you get a bonus, prioritize to pay off your debt first.
4. Late credit card payment.
In addition to fines, you also still have to pay interest. The best way to pay credit card balance is to pay your bills before the date of billing. Because if you pay on time lag between spending and transaction billing date, you will not be charged interest credit card so you will be relieved of interest because it has paid off credit cards before the bill is printed.
5. Taking a cash loan to pay credit card.
This is tantamount to the principle of closing a hole dug hole. You pay off the debt from one place to the debt of another party. Remember, banks usually provide cash loans with interest rates high enough (in the foreign private banks, loans under $ 25 million bears interest at the range of 27.5 percent (36 monthly installments) to 36.54 percent (12-month installment) per year. Your debt never paid off, and you even have to pay for something you do not spend.
have credit card debt. Even so,
it seems we can not stop its use.
Once a card is almost paid off,
we immediately use it to shop again.
The longer, you also emboldened to
buy goods more expensive,
even using the same card for the cost of
your clubbing. After that,
because one card is felt not enough,
you receive an offer from the sales bank to make a credit card again. Finally, the debts are increasingly ensnare us.
Basically, the error in the use of credit cards originated from the first time you make a card.
1. Bringing more than one card in the wallet.
Greater likelihood to shop because you feel you are supported by different cards. In fact, using your card becomes much more difficult to keep track of your expenses. When you begin to feel heavy with credit card bills, better keep your credit card in your drawer until the bill actually paid.
2. Increase credit card limit, but rarely use it.
Sales of credit card data bases are now often sell them to the other party so that you often receive calls from various banks that offer their products. Supposedly, you're angry because your data is bought and sold. You even persuaded the seduction sales by accepting a new card with a limit of USD 200 million. In fact, you are only traveling when going home holiday, you are not the type who likes fine dining, shopping is more often go crazy when in a factory outlet. Believe or not, if the card was never used, you will only inconvenience receive sales calls from parties who continually offer the program. Until when you can no longer avoid it, eventually you are forced to accept a program that you do not need it.
3. Only paying the minimum payment.
You have more than three credit cards and their respective number of bills equal to your salary. Let's say your salary to Rp 5 million per month. Means the third bill your credit card up to Rp 15 million, with a total minimum payment of about Rp 1.5 million. If every month you are only able to pay the minimum payment, calculate just how long your debt will be repaid. You still have to pay interest, a percentage, that later it will increase the amount of your bill. That is, you have to pay a debt that you did not do.
Therefore, pay your debt is more than the minimum amount to be paid. At least, 30 percent of the total bill. When you get a bonus, prioritize to pay off your debt first.
4. Late credit card payment.
In addition to fines, you also still have to pay interest. The best way to pay credit card balance is to pay your bills before the date of billing. Because if you pay on time lag between spending and transaction billing date, you will not be charged interest credit card so you will be relieved of interest because it has paid off credit cards before the bill is printed.
5. Taking a cash loan to pay credit card.
This is tantamount to the principle of closing a hole dug hole. You pay off the debt from one place to the debt of another party. Remember, banks usually provide cash loans with interest rates high enough (in the foreign private banks, loans under $ 25 million bears interest at the range of 27.5 percent (36 monthly installments) to 36.54 percent (12-month installment) per year. Your debt never paid off, and you even have to pay for something you do not spend.
source: kompas
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