{"id":24782,"date":"2021-04-28T10:34:07","date_gmt":"2021-04-28T03:34:07","guid":{"rendered":"https:\/\/www.ciputra.ac.id\/library\/?p=24782"},"modified":"2021-04-28T10:34:07","modified_gmt":"2021-04-28T03:34:07","slug":"using-credit-card-wisely","status":"publish","type":"post","link":"https:\/\/www.ciputra.ac.id\/library\/using-credit-card-wisely\/","title":{"rendered":"Using Credit Card Wisely"},"content":{"rendered":"

\"\"<\/p>\n

By Faradina Amanda<\/p>\n

Kartu kredit memang mempermudah kita dalam urusan belanja tapi ibarat pisau bermata dua penggunaan kartu kredit yang nggak bijak justru bikin keuangan kita jadi berantakan!<\/p>\n

    \n
  1. USE ONLY ONE CARD<\/li>\n<\/ol>\n

    Kita mungkin suka tergoda sama promo kartu kredit. Buy 1 get 1 di coffee shop dari kartu A, diskon tiket pesawat dari kartu B dan bikin kita ngerasa buth punya semua kartu biar untung. Padahal punya lebih dari 1 kartu kredit bikin kita terdorong buat belanja hal yang sebenernya nggak diperluin. Pilih kartu kredit yang bener-bener pas sama kebutuhan kita. Bukan Cuma sekedar promo, tapi juga brlaku bungan rendah.<\/p>\n

      \n
    1. KNOW THE LIMIT<\/li>\n<\/ol>\n

      Biar lebh terknotrol, plih limit minimum yang sesuai sama uang jajan kita supaya pengeluaran dan pembayarannya lebih gampang diatur. Usahain buat nggak belanja mendekati limit yang disediain, karena ini justru bikin skor kredit kita di bank jadi jelek. Pake maksimal banget 70% dari limit yag disediain, jadi saat bayar juga nggak akan terasa berat.<\/p>\n

        \n
      1. KEEP TRACK OUR SPENDING<\/li>\n<\/ol>\n

        Nyambung dari poin sebelumnya, kira jga harus rutin nge-track apa aja yang udah kita belanjain dengan credit card, supaya nggak besar pesak daripada tiang. Cut the unnecassry spend, dan evaluasi lagi tiap pengeluaran yang kita lakuin. We can also download some apps to help manage our expenses, misalnya Monefy atau Wallet.<\/p>\n

          \n
        1. SHOPPING WITH PLAN<\/li>\n<\/ol>\n

          Punya kartu kredit juga bisa jadi ajang latihan buat belanja sesuai rencana. Tiap kali ke mall, selalu bikin list belanjaan yang mau kita eli, and stick to it. Jangan tadinya Cuma berencana beli sepatu Vnas yang ditaksir dari 2 bulan lau, malah merembet ke tas atau baju di Zara yang sama sekali nggak\u00a0 kita rencanain, Cuma karna lagi sale atau modelnya lucu.<\/p>\n

            \n
          1. IT\u2019S BETTER TO PAY OFF<\/li>\n<\/ol>\n

            Tiap kali tagihan dateng di awal bulan, selalu bayar tagiahan yang ada dengan full dan selalu tepat waktu sebelum jatuh tempo. Walaupun kartu kredit ngasih keringan buat mencicil minimal 10% dari tagihan, tapi dengan ngebayar sepenuhnya kita nggak akan kena bungan berlipat-lipat dan punya dana yang utuh buat kita ake selanjutnya tanpa pusing mikiran cicilan sebelumnya.<\/p>\n

              \n
            1. USE IT ONLY FOR AN EMERGENCY<\/li>\n<\/ol>\n

              Credit card will be so good if unexpected expenses arise, which are out of our control. In case pfemergencies, kita jadi punya cadangan uang yang bisa diandalakn. Well, a cup of Starvucks or a pair of nice shoes on sale do not constitute emergencies. Jadi usahain buat nggak terbiasa pake kartu kredit buat belanja rutin, atau beli barang yang nggak terencana.<\/p>\n

               <\/p>\n

              Sumber: Gogirl!vol.153\/oktober2017\/financial.<\/p>\n","protected":false},"excerpt":{"rendered":"

              By Faradina Amanda Kartu kredit memang mempermudah kita dalam urusan belanja tapi ibarat pisau bermata dua penggunaan kartu kredit yang nggak bijak justru bikin keuangan kita jadi berantakan! USE ONLY ONE CARD Kita mungkin suka tergoda sama promo kartu kredit. Buy 1 get 1 di coffee shop dari kartu A, diskon tiket pesawat dari kartu…<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[100],"tags":[],"class_list":["post-24782","post","type-post","status-publish","format-standard","hentry","category-library-info"],"yoast_head":"\nUsing Credit Card Wisely - Library<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.ciputra.ac.id\/library\/using-credit-card-wisely\/\" \/>\n<meta property=\"og:locale\" content=\"id_ID\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Using Credit Card Wisely - Library\" \/>\n<meta property=\"og:description\" content=\"By Faradina Amanda Kartu kredit memang mempermudah kita dalam urusan belanja tapi ibarat pisau bermata dua penggunaan kartu kredit yang nggak bijak justru bikin keuangan kita jadi berantakan! 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