Credit cards are now everyone’s favorite when shopping or in any activity. Because a credit card can be done simply and easily.

Well, if you are the first person to use this credit card, you need to use a credit card wisely and smartly. Why be wise and smart?

Because the use of this credit card can make a person collectible for any shopping, and after spending a lot of credit card bills actually jumped.

Use Credit Card Responsibly

There are at least 3 reasons why you should use credit cards wisely and hard.

Because when you use a credit card then you are ready to owe, yes when you have a credit card there is a debt that you must pay off.

The second reason is that credit card interest rates always go up every month, usually, credit card interest rates will rise continuously, so you should think carefully about the use of credit cards.

The third reason is that credit cards can encourage you to a consumptive lifestyle, so maybe you want to continue shopping, especially when there is a massive discount or cash back using a credit card then your debt may increase.

Be wise in using credit cards when shopping, which ones are really needed and which aren’t, you should be able to prioritize that.

In the following, we will share tips for those of you who use credit cards to be able to use credit cards wisely and smartly.

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1. Shop As Needed

If you use a credit card when shopping, shop according to your needs if possible make a list of what you really need. For example, you plan to buy furniture using a credit card, so focus on buying household appliances.

Focusing on your plan to buy something that you really need is not easy, sometimes we are tempted to buy something that is not really needed, but it is inconvenient.

For that, go back to your original plan to buy according to your needs and the list you made.

2. Take Advantage of Credit Cards

Nowadays people are interested in using credit cards because of the many attractive offers offered. For example, if you shop for food, books, or other things you can get various promos, bonuses, or attractive cashback.

Well, for that using a credit card can save you too, but do not let you shop until too far because of the various benefits provided.

This method is indeed risky along with the increasing consumption. However, this can be responded to intelligently compared to you buying your needs without getting facilities from the credit card.

3. Don’t Withdraw Cash With A Credit Card

Maybe some people do not know that credit cards can also be used to withdraw money from an ATM. Well, this must be an even greater temptation.

For that, you have to strengthen yourself not to use these facilities to withdraw money through your credit card.

The reason is that when you withdraw money with a credit card, you will be charged 4-5% interest per month for each withdrawal.

Of course, this interest will burden you if you withdraw money from a credit card to an ATM.

4. Check Bills Diligently

If you are currently a credit card user, you will be sent monthly bills to your home. The bill is what contains how much you spend using a credit card.

Now, every time your credit card bill comes, then you must be careful to find out if there are transactions that you did not do.

If there is a transaction that you did not make, then immediately contact your credit card customer service to complain about the bill.

Also, you also have to be diligent in comparing your credit card bills each month, whether the bill gets bigger or the smaller your bill.

5. Ignore Many Bids

Usually, credit card issuers have worked with several companies to hook credit card owners to shop at their place.

For example, credit card users will be given a large discount when shopping at Supermarkets B, then that is a way to hook consumers among credit card users.

Many have experienced this, for that you must be smart to see their offer.

6. Pay Full Credit Card Bill

For some people when shopping using a credit card does not estimate what the bill is, and suddenly the time for the credit card bill comes and you need to pay the bill.

For that, try to pay your credit card bills in full before they are due. When you decide to use a credit card, then you also have to pay all bills properly and not repay it, because you better pay it directly compared to installments.

Also, you can manage your finances for other purposes, you are also free from debt, it doesn’t feel good to be in debt. So when you dare to use a credit card, you must also dare to pay it off on time.

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7. Save Credit Cards When Not Used

If you are not using a credit card, keep your credit card. In addition to avoiding your shopping continuously using a credit card, saving a credit card also avoids your credit card being lost because your wallet has fallen or gone.

Credit cards will be very useful if used wisely and smartly. Due to the increasing need for credit cards, more and more people want to simply use a credit card.

If you want to use a credit card, you can consult with your family first before you want to use a credit card.

Because the use of credit cards needs to go through a process until you will receive a bill for your transactions. Automatically every month you have to be ready to pay the bills.


Thus information on How to Use Credit Cards Smartly. Hopefully, this information can be useful and useful for you to be more wise and smart in using credit cards.