3. Banyak Promosi Khusus Pengguna K

3. Banyak Promosi Khusus Pengguna Kartu Kredit
Manfaat sampingan nomor satu kartu kredit adalah banyaknya promosi yang ditawarkan oleh setiap penerbit kartu kredit. Promo yang dihadirkan bisa berasal dari kerjasama dengan toko tertentu, diskon dan potongan harga insidental, iming-iming bunga rendah, dan lain sebagainya. Promo-promo ini bisa menjadi salah satu strategi penghematan bila toko langganan Anda bekerjasama dengan bank penerbit kartu kredit tertentu untuk selalu memberikan potongan harga.
Kekurangan Kartu Kredit
1. Biaya Besar Untuk Menarik Cash
Penggunaan kartu kredit menjadikan pembayaran transaksi lebih praktis, tetapi perlu dicatat bahwa kartu kredit sebaiknya tidak digunakan untuk menarik uang cash di ATM. Penarikan bisa dilakukan, tetapi umumnya dikenakan charge besar hingga sekitar 5 USD untuk setiap penarikan. Sangat direkomendasikan untuk menggunakan kartu kredit Anda hanya untuk membayar transaksi.
2. Bunga Kredit Dan Biaya Kartu Tinggi
Bunga kredit konsumsi terhitung sangat tinggi, lebih tinggi daripada bunga kredit karya. Persentase bunga ini seringkali luput dari perhitungan pengguna kartu kredit. Anda berbelanja sebesar 100 USD, lalu hanya menghitung pengeluaran 100 USD, padahal pengeluaran sesungguhnya adalah 100 USD + bunga sekian persen. Itu pun belum memperhitungkan biaya iuran tahunan kartu kredit yang lebih tinggi daripada kartu debit/ATM biasa.
3. Kartu Kredit Rawan Pembobolan
Sudah banyak cerita pembobolan kartu kredit baik di Indonesia maupun di luar negeri. Pembobolan bisa menggunakan cara-cara tradisional seperti pemalsuan tanda tangan, juga bisa dengan cara canggi memanfaatkan teknologi. Kartu kredit di Indonesia kebanyakan masih dibuat menggunakan pita magnetik yang kurang terjamin keamanannya, berbeda dengan kartu kredit di Eropa yang kebanyakan sudah menggunakan micro chip. Begitu pun, kartu kredit masih tak terlindung dari serangan hacker yang menyasar sistem komputer Bank penerbit kartu kredit. Jika Anda memutuskan untuk menggunakan kartu kredit, maka cermati laporan periodik yang berisi catatan transaksi Anda untuk memastikan bahwa pengeluaran yang terjadi sudah sesuai dengan transaksi yang Anda lakukan.

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3. Many of the special promotional credit card usersA side benefit of the number one credit card is the large number of promotions offered by any credit card issuer. The promo featured can be derived from cooperation with certain stores, discount and rebate the incidental, the lure of low interest rates, and so on. Promo-promo this could be one of the strategies the savings when you shop your subscription in collaboration with certain credit card issuing bank to provide discounts.Disadvantages Of Credit Cards1. The great Cost to withdraw CashThe use of a credit card makes payment transactions are more practical, but it should be noted that credit cards should not be used to withdraw money at an ATM cash Withdrawals can be made., but are generally charged great until about 5 USD for each withdrawal. It is highly recommended to use your credit card just to pay for the transaction. 2. Credit Card Interest and fees TallMortgage interest calculated consumption is very high, higher than mortgage interest. The percentage interest is often missed in the calculation of credit card users. You are shopping in the amount of 100 USD, and then just calculate spending 100 USD, whereas expenditure is in fact 100 USD + flower umpteen percent. It is not yet take into account the cost of annual dues credit card higher than a regular ATM/debit card. 3. Credit Card Fraud-prone There have been many stories of credit card fraud both in Indonesia and abroad. Break-ins could use traditional ways such as forgery of signatures, can also be canggi by way of utilizing the technology. Credit cards in Indonesia are still mostly made using magnetic tape which is less assured of its security, in contrast with credit cards in Europe that most already use a micro chip. So, credit cards are still not protected from hackers who attack a computer system menyasar Bank credit card issuer. If you decide to use a credit card, then examine the periodic reports which contains a record of your transactions to ensure that expenditure that occurs is in compliance with the transaction that you do.

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3. Many Special Promotion Credit Card Users
Benefit side number one credit card is the number of promotions offered by any credit card issuer. Promo presented can be derived from cooperation with certain stores, discounts and rebates incidental, the lure of low interest rates, and so forth. Promo promo This could be one strategy when saving your shop in cooperation with certain credit card issuing bank to always provide discounts.
Lack of Credit Card
1. Great Cost To Attract Cash
Using a credit card to make payment transactions more practical, but it should be noted that credit cards should not be used to withdraw cash at an ATM. Withdrawal can be done, but generally subject to charge large up to about 5 USD for each withdrawal. Highly recommended to use your credit card just to pay for a transaction.
2. Interest Credit Card Fees And High-
interest consumer loans is considered very high, higher than the lending works. This interest percentages often escape from the calculation of credit card users. You shop at 100 USD, and then only count spending 100 USD, whereas the actual spending is 100 USD + a percentage interest. That's not even taking into account the annual fee credit card that is higher than debit card / ATM usual.
3. Credit Card Cartilage Piercing
There have been many stories of burglary credit cards both in Indonesia and abroad. Piercing can using traditional means such as falsification of signatures, also by way of sophisticated use of technology. Credit cards in Indonesia, mostly still made using magnetic tape are less secured, unlike credit cards in Europe are mostly already uses a micro chip. Likewise, the credit card is not protected from hacker attacks that target computer systems credit card issuing bank. If you decide to use a credit card, then look at the periodic report that contains a record of your transactions to ensure that expenditure incurred is in conformity with your transaction.