Maybe some of us have had the means of payment which we often call the Credit Card. Right now everyone is very easy to get it, it could be a single person can earn 2-5 credit cards at once.I will discuss the issue prior understanding Credit Cards:According to the Expert Dictionary is defined: "cards issued by banks and the like to allow the bearer to purchase items needed by debt. While the Arab Economy in the dictionary explains, "a kind of special card issued by the bank-as-card expenditures, then the amount will be paid later. The bank will provide to its customers globally that account to be paid monthly, or to directly debited from his account that are still functioning. "(Ahmad Zaki Badwi 1984, p.. 62)
If you are the type of consumer is very dangerous, because we are so difficult to control all the things we buy because we are still able to pay by Credit Card with a certain limit. We try to bring the credit card is only to places that provide these purposes we need. This serves to minimize the use of outer d angaran that we have set in early. If we forget to pay credit card bills we will pay interest that is not comparable when we mebayar these bills in cash through an ATM or cash to banks that have been d point.
Advantages using credit card:
1. Replace Tool For Payment
2. The risk is lower than carrying cash.
3. As a Backup
4. Helping Top Payment and Claims Payment Household
5. Can be used around the world because the issuing bank in cooperation with the international financial network that is recognized around the world.
6. Benefits of current widespread because the issuing bank has worked with some merchants to provide special discounts with credit cards.
Disadvantages Using Credit Card
1. Cards can be broken other people are dishonest, for example if the seller is not honest then he would rub the credit slip more than 1 time before we signed. He will charge into the bank for another transaction using a second slip by stating that forged our signatures as in the first slip.
2. If we need money or want to spend more of its capabilities, we can still use the card, but that is often overlooked by consumers is the percentage of consumer credit interest rates are very high ..
3. Payments per year is quite expensive, including additional payments for withdrawing money abroad, including Internet transactions on the website that is outside the country.
4. Exchange value of money is determined by the issuing bank, so sometimes the bank somewhat arbitrarily to give a daily average exchange value of money.
5. At the time of taking cash from an ATM, then the fee charged directly capture the amount of about 30 to 40 thousand (depending on the institution issuing the credit card).
Having one easy payment tools such as Credit Card is not a bad thing or a loss, but how do we mensiasatinya is the key to be able to avoid faults us in managing our personal financial budget.
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