Profession as a private employee is certainly no stranger to being tempted to buy an item whose price is often higher than the regular income received every month. The solution that is usually used is by shopping with a credit card. Some people think that by this installment they can get the desired item. Not to mention the temptation of credit cards that often provide promos so the price of a product can be cheaper than the regular price.
Therefore, for young employees who have just gotten income are also tempted to try to make a credit card for the first time. However, realize that actually when you have a credit card you need a wise attitude that is high enough not to shop carelessly? Not to mention the temptation of credit card agents who often roam in shopping centers or public places such as airports. The temptation of the ease of credit card submissions is often difficult to resist especially with so many offers. (Also read: Here’s How to Evaluate Your Monthly Expenditures)
Understand Monthly Salary and Your Paying Ability
No matter how many credit cards you want to make, make sure you have calculated in advance whether or not if the card is used at least half of the limit every month, you are still able to pay or not. If you can’t, you shouldn’t use a credit card first. The impact that will be felt if you do not pay off the payment is of course with the interest piling up every month, not to mention the late fees that must also be paid.
Know the General Requirements for Submitting a Credit Card
These are the basic things you need to know before applying for a credit card, especially for you, the employee who first applied for a credit card. Here are some general requirements that must be met when applying for a credit card, for example:
- KTP / SIM
- Payroll slips, it is necessary to know that the minimum fixed income needed to apply for a credit card is Rp. 3,000,000, – the maximum ownership is only 2 credit cards. (Source: Viva News )
- Minimum age of 21 years and fill in the credit card application form
Choose a card that benefits according to your needs
So many credit card choices, so many offer benefits. Choose the issuing bank and the type of credit card that can provide more benefits for you. Each type of credit card usually has cooperation with different tenants. For example, for those of you who have a hobby of watching fi lm in the cinema, you can choose the type of credit card that works with your subscription cinema, so you can get more pieces every time you watch a movie. In contrast to housewives who may be more suitable for making supermarket credit cards, you can adjust according to the needs and types of products that you often buy.
Another example you need to pay attention to, for example, is that if your credit card issuing bank only has a discount offer in the capital city, it won’t be of any use if you currently live outside the city. So, choose a card that benefits more and can meet your needs.
Understand the costs contained in a credit card
In addition to deciding based on the benefits you have, of course you also have to consider other costs that are in the target credit card. Know how much annual fee (annual fee) contained in the card, whether you are exempt from the fee or whether the cost just does not suit your pocket. Not to mention, understand also the large minimum payment (minimum payment) that must be paid in case you are forced to not be able to pay off the bill in full. In addition, there are also late fees that must be paid if you only pay the minimum payment or even if it doesn’t pay off at all. Know these costs understandably, ask the person who plays the role of your credit card application in detail so that you can carefully calculate whether the credit card is right for you.