How to Use Credit Cards Wisely for Beginners, Along with Steps to Make - Requirements

Kapanlagi.com - Credit cards are one of the services offered by a bank that can be used by anyone. However, for KLovers who want to open a credit card, there are ways to use credit cards wisely.

Yup! Making mistakes in using credit cards, even not being wise in using them, will make you difficult. Even, this will make you burdened with enormous debt. Therefore, knowing how to use credit cards well and wisely is important.

For that reason, as reported from various sources, here's how to use credit cards wisely for you beginners. Along with the steps to make and also the requirements.

1. How to Use Credit Cards

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As previously explained, misusing a credit card will cause losses for you, KLovers. Therefore, here are some ways to use a credit card that beginners can do.

1. Choose a Card according to Your Needs

Yes, just like when you open a savings account. When you are going to open a credit card, you will be given many choices of credit card types and services. Now, you need to be wise in choosing which credit card is suitable for you to use.

2. Don't Use Too Many Cards

Then, the second way to use a credit card is, don't use too many credit cards. Yes, the more you use various types of credit cards, the more debt you will have.

3. Make Sure of the Interest You Have to Pay

Yes, when you decide to use a credit card, you must first make sure of the interest you have to pay, KLovers. Usually, not only interest, but there are also other fees such as annual fees, late payment fees, over limit fees, and so on.

4. Utilize Promotions

Usually, for those who use credit cards, they have many attractive offers, one of which is promotions. Yes, to reduce your use of many loans on credit cards, it is better for you to take advantage of the promotions offered.

5. Pay Bills on Time

Just like a mortgage, credit cards also have rules for paying bills on time. If the user is late in paying their bills, they will be charged penalty fees and interest that will make the monthly bill larger. And this will make it even more difficult for KLovers.

6. Avoid Withdrawing Money Through Credit Cards

If you have a credit card, then you will get a facility, which is to withdraw money there. However, using a credit card to withdraw money is not a wise thing to do, KLovers.

7. Adjust Your Credit Card Limit

Then another way to use a credit card is by adjusting your credit card limit. Yes, you must be able to adjust your limit, KLovers. Because, the larger the limit, the easier it will be for you to borrow. In addition, fees such as interest and others will also be even larger.

8. Use It Carefully

In using a credit card, fraud is very easy for us to experience, KLovers. Well, for KLovers who want to use a credit card, using it carefully and checking bills will be a wise thing to do.

2. Requirements for Making a Credit Card

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Before KLovers know how to make a credit card, KLovers need to know the requirements for using a credit card. Here are some requirements that KLovers can prepare when making a credit card.

1. Photocopy of ID card

2. Minimum age of 21 years

3. Net income of at least IDR 3 million per month

4. Photocopy of salary slip

5. Photocopy of tax identification number (NPWP)

6. Photocopy of the last 3 months of bank account book

7. If you already have a credit card, attach the last 3 months of your credit card bill.

3. How to Make a Credit Card

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Not only knowing how to use a credit card, KLovers can also learn how to create a credit card. And here are some ways to create a credit card.

1. Credit Card Application

- Come to the bank office because it is made directly.

- Bring all required documents to be checked by customer service.

- Fill out the credit card application form available at the bank.

- You need to make sure that the data is correct and complete so that the application is successful.

2. Bank Survey

- Prepare yourself to be surveyed by the bank.

- Surveys are conducted on credit records, homes, and workplaces.

- Surveys are conducted to ensure that you deserve to get a credit card.

3. Credit Application Process

- If the survey results show that you deserve to receive a credit card, the application process will continue.

- The bank will contact you through the number listed on the form.

- Conversely, if you do not meet the criteria, the application process will be canceled.

4. Credit Card Activation

- After the application is received, the card will be sent to your home address.

- Immediately activate the card so that it can be used.

- You can activate it independently online or by visiting the bank where you applied.

- You can do independent activation by accessing the official website of the bank where you applied.

- Next, fill out the data verification form and select the PIN activation menu.

- Enter the six-digit "Authentication Code" sent via SMS.

- Click "Process" and wait until you receive an SMS notification.

- Done.

That's how to use a credit card that KLovers can know and understand wisely. Not only how to use a credit card, but there are also stages of making and requirements for making it.

(kpl/gen/dhm)