OVERCOME CREDIT CARD PAYMENT PROBLEM

as according to indonesia bank rules, so counted begin your claim is payment next month minimum as big as 10 percents from your claim total magnitude.

 

if you have credit card, you certain get notification such as those which as described on. yes, since beginning year this, you must pay minimal bigger instalment at compare previous only 6 percents from claim. so, if you have claim $2000, must pay minimal $200. while previous, you" free" if pay $120.

 

rule really invite many hard reactions from customers. while indonesia bank take outside that rule be made exactly to spur on person so that soon can finish the debt and not drowsy with payment minimum final be load that congest.

 

but for rule credit card user will decrease quotum for the other post payment. but how again. the name we are as side debt. so to want doesn't want must come along rule of the game that give debt.

 

well that must we look for the solution how overcome that rule problem? as long as this is at beginning year, identical with new plans, so hereunder i shall try affection 5 matters that to face new regulation.

 

1. pay formerly, don't postponed

there wrong habit often we do in pay credit card. fund is taken after all needs or willing is fulfilled. that also if still remainder. sure this is bot true. if really want to pay, yes don't postpone. for example, you are date payday 25. yes pay your claim soon after payday, although payment due, for example stills date 10 and you not yet get claim details. best, you are permanent soon pay. what does magnitude, hat computable. so bothing;there is no reason to postpone.

 

2. specify what that ready you pay before you genuinely wear the card.

this one of [the] manner to regulate your expenditure. say last month your claim zero. then, you are expense at amount of store, where your claim total for this month $250. well, after you do payment as big as $250 for that claim, will try to specify what value that you will pay for next month. for example, $250 again. the effect, in in front of, nature under aware you will say that you can not shop more than $250. thereby, supposed you will be more focus and discipline towards your expenditure. not ever  wear this manner?

 

3. use selection wisely.

come on deh, honest, sometimes we belittle minimal claim total magnitude 10 percents. but you are aware not that your credit card per annum burden interest very big - can around 42 percents - for oustanding invoice can not be liquidated? so if you buy a ps3 player the price $1000, so in 12 total months that must you pay can around $1420. wow, almost half it yes? . monstrous? so, try to wear your card only when are you sure that you pay the claim.

 

4. card priority with low flower.

you have more than one card? well begin to prioritise use in card that burden lowest interest. why? this is because moment pay claim, a part your payment is pays flower. so if you pay only minimal as big as 10 percents, so 3,5 the percents pay interest. lost kan? so, henceforth, if you have more than one card, card priority with bottommost interest in advance.

 

really, card minimal payment reformation from 6 percents is 10 percents there surplus and the deficit self. but optimist as one who there is nothing wrong, we see a certain from any good. then, where the good change? that credit card debt quicker will be paid. yes not?

 

then, how with consequence that you may be sacrifice expenditure post other? true, if you have dared debt, mean the consequence, you are permanent must pay although that enough heavy.

 

 

then, make are there credit card? main profit only one: you are unnecessary brings mint of money cashes every time does goods purchasing transaction and service. conceive if you must mention cash $500 until $1000 at your purse, while you must often take a trip with city bus.

 

return to claim a while ago. how if you not liquidate all at once? there interest that must you pay. magnitude around 2 until 3,5 percents from claim total not yet paid.

 

if you don't want to pay totally your claim, credit card usually give ease shaped minimal payment rule. magnitude varies, around 5 - 10 percents from your claim total is month.

 

problem usually begin to appear when you begin accustomed dislike to liquidate claim fully. you only liquidate minimal claim every the month. temporary frequency and credit card use value rather than decrease but even increase.

 

example, june month credit card use total 1000. when does claim come, only liquidated as big as $150. in july, the use total $1500. when does claim come, only as big as $250 the amortisasi. in august, the use total $2000. when does claim come, only as big as $350 the amortisasi. so then.

 

well, because every total will not be liquidated be hitted interest around 2 - 3,5 percents per month, so at one time certain, claim total very tall so that you will not can again liquidate it all at once. when does credit card total you have there many, more difficulter you get out of claim trap.

 

then who wrong? is bank credit card publisher? not, father and mother. the problem frequently lay in card user self. a lot consider or laid credit card as money addition tool. so, in mind they, has credit card with use limit 4000, for example, that is same like income addition as big as 4000.

 

as is the case? not. that card only cash successor tool. every your time wears card, mean there your money that decreases to pay goods price or service whom you buy.

 

really, there are some credit card publisher bank that give added value to the card, like various insurence, electronic goods, until free holiday out country. good, but permanent you must aware, only one credit card function: cash temporary subsitute.

 

for you in this time trapped problem with credit card, don't blame your card publisher bank. they not wrong anything. don't also blame your self, because consider yesterday that you really not yet knew many strategy exercises used credit card. best you do one: pay slow your claim. call card publisher bank because they can give best amortisasi efforts solution for you.

 

speak about credit card, also often i find that credit card use problem often appear because system less correct in finance management at family.