From there it can be concluded that by using credit cards, user debt will increase. If the planning in returning the debt is not mature, it will become a snowball that will endanger the financial condition. Therefore, it takes intelligence in managing finances.
That is why, there are a number of things that must be considered when going and are dealing with credit cards. What are these things?
First, for those of you who do not have a credit card, it’s good to undo the intention if really do not need it. If you do not need too much, do not apply for a credit card. Because how life would be more comfortable without debt.
Secondly, for those of you who will try to have a credit card, choose a credit card issuing bank that has many advantages, such as free annual fee and small fines. We may also consider a publisher bank that offers many promos such as cheap flights. That way, we will have an advantage when we have a Citi card.
Can be concluded, credit cards are like blades that have two sharp edges. We can get hurt if wrong in using it. Instead, we will have many advantages if we can use them properly.
No one has a credit card, but it’s good to note some things that can make consideration in determining when to use credit cards.
Before using or deciding to have a credit card, it’s good to pay attention to the financial condition. It should also be noted whether the financial condition is good or bad. This indication can be seen from the size of the budget to save and investment. The bigger the budget for investment and savings each month, the better the financial condition.