In using the credit card we also need to always wise. Consider first before you make a loan and get yourself so that you do not pile up a lot of debt beyond your limits.
In today's ever-increasing need for family. There are many families who have sufficient income but still have to look for another attempt in order to meet their other needs. This is the perfect excuse for many banks in seeking profits by exploiting this situation to attract a lot of people have credit with low interest easily so many people who are interested to open a credit card in order to meet its needs.
The use of credit cards in the world is increasing and credit cards also have become today's lifestyle. Credit cards not only allows us to credit home electronic appliance or vehicle, but the credit card has been regarded as a magic card in all the activities of shopping, only with one swipe you can buy everything without spending cash.
In other countries such as America, people have to make a credit card transaction tool shop everywhere. Almost all Americans have credit cards and use cash already rare. Some time ago when I traveled from New York to Miami using the plane, I want to buy food in the plane and when I was going to pay, they could not accept my money because the payment system in the plane can only be done by using a credit card. It occurred to my mind at that time, the technology is very advanced in age, everything can be bought only by using a magic card (credit card). But did you know credit cards also have a negative impact should be avoided for its users. Many people become addicted to shopping and could not pay his bills because lulled by the ease of this credit card.
Here are tips for using credit cards wisely:
Knowing how to pay credit card
Before you use a credit card, you should calculate in advance how your mandatory expenses, such as monthly basic necessities, pay utility bills, pay school fees and so on, then if your income minus the cost of basic needs is still there, just put it aside to pay credit card you. If you do not have much income should not use credit cards.
Prioritize the need
Once you have had a credit card and want to use it, you must instill in you to not over use it. For example you are shopping for a shopping center with the aim to buy a television, when you have to get the items you need, you see a very nice DVD with promo price is very cheap. If the item was not so into your needs you should not buy it even though you can pay by credit card, because it will only add to the burden of your loan each month.
Do not shop without a plan
Shopping may be the nice thing to do but if you do not have a goal to buy something, you should not go shopping. Many people, especially women who use credit cards while visiting the shopping center became hungry eyes and buy anything that caught his attention. Avoid habits like it and learn restrain yourself to spending not otherwise planned. If you like shopping you should plan in advance what you want to buy and Take into account also the money you have.
Provide sufficient cash when you leave the house
If you want to shop, places to play, or eat at a restaurant, or anywhere, take the first money you have before you go, whether you enough money to pay your expenses. Seek to always pay your expenses with cash. We recommend using a credit card if necessary, for example, your money runs out and you have to buy a meal or if paying by credit card get a much cheaper price.
We may keep abreast of the times, enjoy the convenience, get a discount when shopping, and meet the needs of our families with the help of a credit card. However, the use of credit cards we also need to always wise. Consider first before you make a loan and get yourself so that you do not pile up debt beyond your limits.
