The things that are less good than the above Credit Card usefulness :

1. Replace Tool For Payment

Weaknesses:

- That is if the type of consumer is very dangerous, because we are so difficult to control all the things we buy because we are still able to pay by Credit Card with a certain limit.

How to anticipate:

- By signing up all the needs that we had to meet at that time. For example, it is today. Many school children need (books, new uniforms, etc.) that we must fulfill. Make it a priority of our credit card usage is.

- Try us bring the credit card is only to places that provide these purposes we need. This serves to minimize the use of outer d  that we have set in early.

2. As a Backup

Weaknesses:

- Sometimes many public facilities are not provided with a credit card payment facility.

How to anticipate:

- We have to get used to predict how much budget we should spend for unexpected needs. According to Mr. Godo Tjahjono, SE, M Si, RFC business and financial practitioners, we must have an emergency fund of at least 3-6 times our spending ato family (for those who have a family). And more storage in the form of savings or deposits.

3. Helping Top Payment and Claims Payment Household

Weaknesses:

- If we forget to pay credit card bills we will pay interest that is not comparable when we mebayar these bills in cash through an ATM or cash to banks that have been d point.

How to anticipate:

- We  reminder on the agenda, hp tool  other reminders a day before the bill due date. That we have to pay these bills in full without remainder. Because of the delay can be  2-3% of the total interest bill.

- Never use the facility to take cash from your credit card, because it will be subject to the direct connection of 10% after the transaction.

Having one easy payment tools such as Credit Card is not a bad thing or a loss, but how do we  is the key to be able to avoid faults us in managing our personal financial budget.
Well that was the view of the Credit Card that may be my friends take the positive and negative aspects. Hope can be useful for us all.

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Tags: Balance transfer, Business, Credit, Credit card, Debt, Financial Services, Merchant Services, Payment

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