Jakarta, hitclubapk3 Indonesia
–
Credit card
It is indeed one of the anti-ribet payment tools.However, if not careful, users can be trapped into a consumptive lifestyle.
Head of Advisory & Financial Planner Financial My Shierly said that all people who already have income can easily apply for a credit card service.However, this is not mandatory for everyone to have.
“For someone can get a credit card facility, it must be assessed by the bank first whether it is feasible or not. Compared to other bank credit services, the requirements for credit card loans are lighter,” Shierly told
hitclubapk3Indonesia.com
, Friday (3/10).
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Shierly exemplifies the four conditions that usually must be met in applying for a credit card.
First
, has a valid, stable, and according to the minimum limit required by the bank.
Second,
Complete the requirements documents, such as income slips or checking accounts and identity documents.
Third,
Have a good credit history.
Fourth,
Details of the number of credit cards or other financial institution loans that are already owned.
“In terms of financial planners, even though we have gained the trust of the bank for credit card facilities and limits, it does not mean we can at will use loans to the limit limit. Credit cards should not be a means to support our consumptive habits,” Shierly ordered.
Credit cards, according to Shierly, can actually be a tool in helping financial affairs.The condition is to use a credit card for productive and effective purposes.The effort must also be accompanied by responsibility in credit payments.
There are 5 tips given by the Head of Advisory & Financial Planner Financial, Shierly so that credit cards are used correctly.
First,
Pay attention to the amount of installments.He emphasized that the amount of credit card consumptive installments should not exceed 15 percent of monthly income or total installments do not exceed 35 percent of monthly income.
Second,
Separating the use of credit cards for fixed and variable expenses.Fixed expenditure, such as paying household bills.While variables are online shopping, holidays, to eating at restaurants.
“It’s okay if you want to use a credit card for payment of one or both of these expenses. But if the two expenses both want to use a credit card, you should use 2 separate cards to make it easier
Budgeting
, “he explained.
Third
, pay credit card bills on time.Shierly suggested paying
full payment
And don’t install it.
He said credit card interest in Indonesia averaged 1.75 percent per month or 21 percent a year.
Fourth,
limit the number of cards.He said the ideal number was 1 card to 2 credit cards as needed, not a collection because of pursuing promos.
Tips
fifth
is to use promos wisely.Shierly advised to only use credit cards for goods and services that are needed, not shopping because they are tempted by discounts.
Alternative other than a credit card
Financial Planner Finante.id Rista Zwestika asserted that not everyone is suitable to have a credit card.He said the most important basis was the readiness of the mindset and financial condition.
“The right moments to have a credit card usually when you already have a routine salary, often online transactions or traveling, need credit history, and can control expenses according to the budget,” he explained.
Rista also provides 4 alternatives to choose from, besides credit cards.This applies if the main objective is ease of transaction and flexibility
Cashflow
.
First,
Debit card with auto-debit or virtual discharge features.Rista emphasized that the debit card was a safe option from a consumptive lifestyle because it could only be used according to balance.
Second,
Paylater service.He said this service was similar to a credit card, but the interest was higher.Rista emphasized that the paylater option is suitable if it’s really an emergency.
Third,
Buy Now Pay Later (BNPL) Sharia.Rista gave an example that there was a sharia fintech that used a murabahah or ijarah contract so that it could be a safer option.
Fourth,
Line of Credit
from the bank alias a checking account.This option only applies if it requires business cash flow flexibility.
“In essence, credit cards are suitable only for people who are disciplined and understand how to use them. If you still often hungry, safer to use a special monthly debit or savings,” Rista ordered.
[Gambas: hitclubapk3 video]
(SFR)
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