Quite a lot of people are confused by the question, do you need a credit card or not. Even so, there are also those who don’t bother, then quickly submit an application without consideration here and there.
Of course, in a hurry to make decisions, especially those that have to do with financial affairs are not recommended at all. Because, just a little wrong can be fatal later. Moreover, the decision taken concerns the use of credit cards.
Back again to the question, whether you need to use a credit card or not, you should consider the following things.
If from these considerations, you need to have a transaction tool, why should you hesitate to take it?
Want to know what needs to be considered before applying for this card? Come on, find out in the following reviews:
1. Have a loan plan
What does a credit card have to do with applying for a loan? Apparently, the use of credit cards affects the credit history in the debtor or iDeb information. Well, this is the iDeb that makes the loan application will be approved or rejected by the bank.
Just so you know, one of the considerations of banks approving or rejecting loan application applications is to see good or bad credit scores. Transaction with this card can make a good credit history.
As long as card bill payments are always smooth and on time, as long as the credit history is just fine.
Just to note, smooth or bad payment is reflected in the credit score on iDeb. If it’s smooth, the score is good. Conversely, if it’s stuck, the score is bad.
How do you know whether a credit score is good or bad? You can check iDeb via the OJK SLIK service. In iDeb, the credit scores are as follows:
- Quality 1 or smoothly paying bills.
- Quality 2 or special attention because of overdue for 1-90 days.
- Quality 3 or credit is substandard due to delinquency for 91-120 days.
- Quality 4 or doubt due to delinquency for 121-180 days.
- 5 quality or is stuck due to overdue for more than 180 days.
2. Planning to save expenses
Can a credit card save money? Evidently, there are people who come up short because of transactions using cards.
The fact is, there are people who are wasteful because of the use of credit cards. However, that does not mean that bad behavior is done by all card users. There’s also why the benefits from having this one card.
Basically, this non-cash transaction tool is designed to make it easier for people to make payments. Gradually, the benefits increase, such as the promotion of discounts, cashback, rewards, to other promos. Of the many promos on offer, the most profitable promo is 0 percent interest installments.
Deh imagine how fortunately able to pay installments for 3 months, 6 months, or 12 months with no interest at all. These benefits can be found on a credit card.
Therefore, there is no need to doubt the card transaction. The reason is, your expenses can be thrifty because of the promos on offer.
3. Find a solution during an emergency? Credit cards are reliable
When an emergency credit card can be relied upon
Sometimes, there are just situations that force us to spend a lot of money. For example, purchasing a new refrigerator because the old one keeps leaking. Actually, the above situation can be overcome by using emergency funds. However, if there are other solutions without having to use emergency funds, why not?
Well, you can find the solution to the emergency fund replacement in this card. The new fridge that you want can be purchased without the need for emergency funds. Moreover, transactions with cards can be more efficient you know because there are discounts and 0 percent interest installments.
4. A reliable transaction while traveling as well as a debit card
A reliable transaction tool when traveling other than a debit card
In addition to cash, debit cards become a means of payment that cannot be left behind while traveling. However, if you want to save expenses when traveling, a credit card is the answer.
On credit cards, there is such a thing as mileage programs. Cardholders benefit from this program. Because, they can fly for free by utilizing the program. In addition, expenses for traveling can be suppressed by the promos, both at restaurants or promo stay at the hotel. Of course you benefit from these promos.
That’s the considerations before deciding to take a credit card. If there are some that are the same as what you think, that’s a sign that you need a credit card. Conversely, no need to submit a credit card if the above considerations you have not thought about. Hopefully the information above is useful!