Credit card is a method of payment using a card where you can buy anything to use the card just by swiping the particular tool. But of course at the end of the month you will receive a credit card bill in accordance with the amount that you spend some previously plus interest.
However, as a means of payment besides credit card also serves as a means to receive money from a particular party. There's even a special credit cards issued to employees of certain companies.
If a credit card intended for international payments it must have a VISA, MasterCard, JCB, Amex label and so on. Every credit card logo definitely one among the institutions that handle the issuing and payment systems above. The most common are VISA and MasterCard Indonesia, and there are times when a bank can be issued from these two institutions like Citibank and HSBC.
The advantages of using a credit card:
- Facilitate payment so no need to carry cash everywhere.
- Some credit cards in collaboration with certain parties such as hotels, restaurants and so on so that we will get a discount in place.
- Expenditure will be more obvious in the credit card account.
- Can make payments via the Internet (be careful if you use this service).
- Security level is high enough.
- Expenditure is not restricted.
Disadvantages of using a credit card:
- If not monitored its use, your bill will swell.
- Payment per year is quite expensive.
- Administrative costs are quite expensive if it will make transactions via ATM.
Conclusion:
Using a credit card does have a distinct advantage, but if you do not use it wisely rather than the profit you get, but it's swollen bill on your credit card account
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