Using Credit Cards Carefully

Using Credit Cards Carefully - Use of credit cards offer benefits. Payments are comfortable with discounts at restaurants and malls. But sometimes credit cards can cause problems.

Use credit cards must also be careful and cautious in using it. Financial Director Actuarial Consultation Plannger Joannes Widjajanto explained several things that observed in the use of credit cards.

First, customers must choose the right bank and provide low interest and provide a lot of discounts to meet the needs. Joannes said, the current credit card offers by the banks is so intense.

Customers do not ever apply for credit cards each have an offer from a particular bank. When someone owes on a credit card then the person will be 'chased' until the debt is paid off.

"Thorough and careful before have credit cards," said Joannes, when contacted by reporters recently. Secondly, taking into account the use of credit cards carefully. Joannes rate, some people think credit cards are "extra money", so they use it regardless of how they will pay for it.

Third, use credit cards wisely according to income. Joannes said, with a credit card controls in general, people buy things too, so that not a few people can meet the bills of credit from banks. "Generally, in debt we must be careful, so when we owe on credit cards.