Wednesday, 23 May 2012 |
Irit dengan Kartu Kredit
Category : Tips1. Pemakaian harus tetap memikirkan tingkat kepentingan. Maksudnya, gunakan kartu kredit hanya untuk belanja yang benar-benar penting dan mendesak.
2. Jangan keenakan belanja, tapi perhatikan limit atau "pagu" kredit kartu Anda. Bila penggunaan melebihi batas maksimal kredit yang diberikan, maka Anda akan dikenai denda.
3. Perhatikan tanggal jatuh tempo. Bayarlah tepat waktu atau sebelum tanggal jatuh tempo tiba. Bila tidak, Anda akan dikenakan denda bunga yang berlipat ganda.
4. Biasakan membayar semua tagihan sekaligus, kecuali bila Anda benar-benar telah memperhitungkan keuntungan dari mencicil pembayaran tagihan setiap bulan.
5. Usahakan untuk tidak menggunakan kartu kredit sebelum tagihan yang lalu dilunasi. Bila tidak, maka beban pembayaran di kemudian hari akan bertambah berat.
6. Untuk mengurangi godaan penggunaan kredit yang berlebihan, sebaiknya Anda tak menyimpan kartu kredit dalam dompet yang biasa dibawa sehari-har
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