What credit card facilities do you like the most? What is the biggest discount or bonus you have ever received from a credit card? Share your experience with comments, who knows you are the luckiest person.
Having a job as an employee means you rely on income only from bonuses and salaries every month. Increased needs are of course often a financial obstacle for employees. Not to mention business trips that are costly and sometimes companies need time to compensate your official expenses. This is where you have to be more careful and use a credit card as a financial solution.
Credit cards have a temporary bailout system. As you know, when you use it you don’t need to spend funds from your own account. Then at the end of the period, you are responsible for paying the entire bill ( full payment ). Of course for an employee, a credit card will greatly facilitate your life, because hotel reservations, purchasing transportation tickets, consumption and becoming much easier. The following credit card facilities that benefit you:
Of course you often find restaurants that have discounted signboards using Bank A, or Bank B credit cards with each different piece. You also often spend time outside the office, whether it’s for lunch or meeting with clients. With a discount promo at a restaurant or cafe, you can save on consumption expenses. Not bad?
In addition to eating places, banks also often work with shopping centers to hold discounted discounts. So in addition to saving on consumption expenses, you can satisfy your shopping desires without worrying about spending too much money. Even this discount promo also applies to airplane tickets or other transportation. Of course this promo will save on business travel.
For an employee, it is natural to have a mediocre salary, but of course you still need equipment to support a career, such as a gadget , smartphone or tablet. As you know the price of these devices is not cheap, it can be the same as 1-3 months salary. With a credit card, you will get a 0% installment facility. So you can buy these items and get paid in installments without interest.
Cashback is a facility of returning cash after using a credit card for payment. Cashback is similar to a discount, only at a discount, the discount is valid in front (when you are going to purchase goods). On cashback, the discount is valid behind (after a purchase transaction). For example, there is a watch purchase promo worth Rp. 1 million with cashback of Rp. 100 thousand, which means you have to pay Rp. 1 million and then give cashback in the form of a voucher or discount in the first installment of Rp. 100,000.
Reward points are points that you collect every time you shop using a credit card. These points usually differ from 1 bank to another bank, there are IDR 1,000 = 1 point, or IDR 2,500 = 1 point and not all of your purchases get points. Then, the benefit of these points rewards is that you can exchange them for bonuses or money.
With reward points, you don’t need to be confused to choose where to eat. You can choose places to eat that can be paid using points or reward extra points.
Usually, banks also offer 1 free buy promo 1 or buy 1 free 1, this promo can be used to save your expenses. You can also use a free promo to treat work colleagues. There is nothing wrong with doing good for others, while not damaging our finances.
Things to remember in using a credit card
As employees with a fixed salary, you should avoid yourself from financial conditions that are not healthy due to the use of credit cards. Some things you must remember if you want to use a credit card are:
- Pay the maximum amount and on time
- Always pay attention to fees or fines imposed by the bank
- Manage your expenses so that they are not wasteful
- Do not use a credit card beyond the maximum usage limit
Credit cards are one of the facilities offered by banks that can be very profitable if you use them wisely. As an employee, maximize all facilities offered by a credit card to reduce spending or simplify your work. Also don’t forget to pay credit card bills on time. So, remember to always be up to date with promotions offered by banks.
What credit card facilities do you like the most? The biggest bonus like what you ever got from a credit card? Share your experience by commenting.