Tips for Choosing a Credit Card For Beginners

Credit cards are already a tool used for payment transactions while shopping or other transactions such as eating at restaurants, watching movies in theaters, hotel reservations and more. It is because in this modern age many people prefer the practicality offered by a credit card. The convenience and security of a credit card is also why people choose it as a payment tool instead of using cash. Even more, fans have seen it since 2015 with credit card users increasing by 16.5 million.

However, many users who use credit cards are not surrounded by enough knowledge and information, especially for beginners. Each user needs a different type of card. According to your needs, the purpose of use and financial ability that will also determine the extent of the limit.

Do you already have a credit card?

Do you already have a credit card?

Or want to apply for a credit card application but are still confused about which one is right for you? Dude, in this article Good Finance will talk about tips you can apply when choosing a credit card. Especially if this is your first credit card submission.

Learn First

A credit card is a full-blown payment instrument. In general, almost all banks offering credit card products will include attractive promotions and promotions, such as discounts when shopping at a particular restaurant or store.

Before applying for a credit card, you need to know the basics, procedures, advantages, and disadvantages of each type, in order to maximize your credit card usage. You can also find out this information from the guides on the internet.

Set Clear Purpose of Use

Before applying, first, consider what your goal is to have a credit card. If you want to have a credit card because you love shopping, then look for a credit card with a discount or cashback offer . If you are a holiday traveler, then look for a credit card that offers discounted hotel reservations or airline tickets.

Consider the Cost

When you are about to apply for a credit card, you need to consider the costs incurred by the bank that issued the credit card such as annual dues, interest, administration fees and so on.

It doesn’t matter if you choose a credit card with the smallest cost. Especially if you will pay the installments at the specified nominal minimum. If you have a fixed source of income and are important enough to pay your monthly bills, at least the minimum, then low costs are a major determining factor in choosing a credit card.

Benefit Discount Offered

Benefit Discount Offered

One of the factors that can be considered when choosing the right credit card is a discount or discount offer. If you’re happy to shop looking for a credit card that offers a lot of discount offers, which is usually the result of a credit card issuer’s bank cooperation with a number of sellers or merchants.

Adjust Usage Limit with Ability

This is important, friend. You should adjust your credit card limit to your regular monthly income. Keep in mind, credit cards are not extra money. So you can’t spend anything at a price that exceeds that credit card limit.

Usually, this is the main thing that people who will be applying for a credit card will often notice. Low-interest rates or 2.95 percent, 2.75 percent, and 2.85 percent may be your choice. If there are banks that offer Credit Cards with this service and work with a variety of merchants to charge up to 0 percent, select this credit card.

Quality of Customer Service

Quality of Customer Service

Customer service or customer service is also one of the factors to consider when choosing a credit card. As a credit card user, you will want to get good and complete service from their issuer, among others, including a 24-hour transaction and complaint service with friendly and friendly staff. If you find it necessary to contact your credit card issuing bank often to ask for everything, it’s important to make sure that the customer service provided by your credit card issuer is exactly what you want.

Ensure Security Level

If you really care about the security of transacting or the security of a credit card owner, we recommend choosing a credit card issuer that gives your customers more security. This form of security can be a photo of yourself or printing a signature on a credit card that will work to reduce the risk of misuse of your credit card by an irresponsible party. In addition, nowadays credit card issuers also offer insurance to their credit cardholders.

Dude, here are some tips you can apply when choosing a credit card issuing bank. Especially for those of you who are still a beginner. You should be wise in selecting and selecting and not be easily influenced by advertisements or promotional promotions from the publisher.