Proper use of Credit Cards

You have more than one credit card and use for shopping? Is your credit card is often used for cash withdrawal? If two of these questions the answer is yes, then you do not yet know the usefulness of credit cards. Credit cards are not only useful as a substitute for cash only. Behind its small, it saves a lot of benefits. Well, there are many benefits to be maximized from the credit card. You should be able to take advantage of the usefulness of credit cards rather than just used for shopping only. We will discuss eight ways to maximize your credit card.

1. Insurance Services
Some credit cards offer insurance facilities. Some are offering vehicle insurance and health insurance. Vehicle insurance usually covers accident and lost the car. If it turns out this feature embedded on your credit card then do not have to bother buying a car insurance policy. You must check and watch carefully whether the facilities offered by credit card has been qualified. Compare also the services provided by the insurance of a credit card with a pure insurance company. As reference can be read several articles in www.cashadvanceloansforbadcredit.com

2. Containers Hunting Discounts and Promotions
Discounts and promotions in some of the merchant credit card into the appropriate strategy to attract consumers. Make sure you often see discounts and promotions provided by merchants who worked together with the credit card belongs to you. It would be advantageous if you do need to purchase products or services at merchants that have cooperated with your credit card. Usually in the form of promotion of buy one get one free, bonus points, discounts up to 50 percent, and others.

3. Extends Product Warranty
If you buy a product with a credit card is usually no facility to extend the product warranty. The majority of the products covered are electronic products. Some credit cards apply the product warranty extension. To be sure, you can ask the credit card issuer. If this service is available, yet there’s nothing wrong purchase with the credit card rather than cash.

4. Pay Bills Automatically
In addition to the annual bill credit cards, it turns out you can pay other bills with credit cards. Routine monthly bills such as water, electricity, pay TV, internet and others can easily be paid automatically. How, you simply activate the feature “autopay” offered by some credit card issuing bank. So that when the bill came, it would be paid directly from your credit card automatically.

5. Friends Travel Abroad
When you apply for a credit card to allow you to trade abroad, means that your decision is right. When you’re short of money, you can make transactions abroad with a credit card that is valid internationally. By bringing the credit card you are traveling, you can reduce losses arising from differences in currency values.

6. Zero Percent Installment
You really need to buy a TV or a refrigerator. However, insufficient cash to purchase those needs. You can use a credit card and seek promotion is giving offer 0% installment. If, products offered for Rp 3 million and can be repaid within 12 months. So, in a month you only need to pay Rp 250,000. Keep in mind that the 0% rate applies if you pay off the bill each month on time.

7. Utilize For Business
Among friends game or friends only your office who have a credit card. This situation can use to do business. Take advantage of your own credit card for small business. For example, goods that have been purchased by the owner of the interest-free can be sold back to your friends. The buyer will pay off the bill each month plus a commission price as a small profit. Adding a source of income through credit cards is certainly no harm in it?
8. Protection Products
Indeed there are so many products that are protected when you buy it with the transaction via credit card. Some credit card issuers offer a guarantee in the form of the free repair service to the replacement product if lost within 30-90 days of the transaction. In order not to lose, you can ask your credit card issuer, whether this service is available and any merchant that work together for product protection facilities.