Credit Card

Guys.... welcome again with my blog.... first i hope you are fine with your health. And then i want to tell about the Credit Card, before this I'm already to explain about Credit in my before blog. Now is about Credit card, Credit cards are one of the facilities from banks that easier for customer transactions and you remain rub the credit card and you just pay when the bill arrived. Credit card is a any card that may be used repeatedly to borrow money or buy products and services on credit. Issues by banks,savings and loans, retail stores, and other bussinesses (i take this definition in http://www.investorwords.com/1199/credit_card.html)

Before you get a credit card you must know about Annual Percentage Rate(APR), Grace Period,Annual Fees,transaction fees and the last is balancing computation method for the finance charge.

First is APR, APR is a numeric representation of your interest rate,when deciding between the credit cards,APR can help you compare how expensive a transaction will be on each one.And second is the Grace Period, some credit card companies offer a grace period for new purchases, If you only make purchases and pay off your ending balance each month by the due date,you pay just the amount you owe with $0 interest.However, if you opt to carry a balance on your card, you pay the agreed upon interest on your outstanding balance.Third is annual fees charged by a credit card company each year for use of a credit card. This is a separate fee from interest rate on purchases. While annual fees were once common, they largely disappeared in the '80s and '90s, remaining only on a few clasess of cards, such as secured cards or those that offer airline frequent flier miles as a reward. Fourth is Transaction Fees, a common and costly mistake when shopping for credit card processing services is to focus on a processor's rate while playing little attention to transaction fees. The financial impact of this mistake is especially damaging for businesses with a low average sale amount. and the last is balancing computation method for the finance charge.

Details of all transactions you make will be shown on your statement along with the minimum amount you must pay and the date by which your credit card provider must receive at least your minimum payment.Using a credit card is like getting a loan. Every time you charge something, You are borrowing until you pay it back later that month, or over time. In exchange for this loan, the credit card company adds interest charges to your company, in exchange fir this loan, rhe credit card company adds interest chargest to your account,which you must pay along with the purchase amounts.... Maybe thats all my explaination about credit card.... I hope we can control to buy anything with credit card , so we can use the credit card with self-awareness to purchase goods.

thanks all for atention :)

I Think that's all of my blog. Hopefully whats is read can be beneficial to you.

Thankyou ^^

Credit

Hiiii ...... how are you all? I think you are fine with your health. Today i want to tell about Credit.
Credit is the means of payment of cash that can be used by customers in exchange for goods and services who they want.

And next I will explain about advantages and disadvantages from the Credit Card.
What advantages from the use credit card? first is able to buy needed items now like example this, i want came to supermaket for buy snacks and daily good necessities and if I don't have much money, I can buy that goods with my credit card. Next is don't have to carry cash, if u not have bring carry cash you can use credit cards to pay for all your purchases. third is creates a record of purchases, example when i want to buy something, I can make a record first before going and I also not bring the carry cash. Fourth more convenient than writing checks,if you want buy something item, you do not need to write a check again, and you can buy anything pounds. Last is consolidates bills into one payment, when you use a credt card, you can make all your payment in one report, example, if you buy a handphone in mall and you use the credit cards so all your payment was recorded in a report.

And now i will explain about disadvantages from the use credit card. First is interest (higher cost of items),if you want to buy something items, you use credit card and your incur interest Expenses, example my bill is a  Rp 1.000.000,- but i can pay it is Rp 1.200.000,-. Second may require additional fees, if i buy television for Rp 3.000.000,- and i will use credit card but i get 3% surcharge in my bill. Third is financial difficulties may arise if one loses track of how much has spent each month, if you use a credit card , you must control what you will neededs, so that at the end of the month your salary is not only used to pay credit card. And the last disadvantages is incresed impluse buying may occur, ofthe happens, when you are constantly using your credit card you can not control impluse buying and your credit report to swell.

And in the credit card have a 3Cs, first is Character, if u have a poor credit and you money not much, you can rejected by the bank.Second is Capital, if you use the credit card to much and you can not payback, you can entry the blacklist in the bank. Last is the capacity, you must to get a salary and you can pay with 20% your salary,and you will get that item with your finance.
In the end,I will give you solution to use the credit card. You must control yourself to buy anyhing items, and your salary can you save in the bank for your future.

I Think that's all of my blog. Hopefully whats is read can be beneficial to you.

Thankyou ^^

Banking Services

Hey Guys,,,, Wellcomeback again :p... buy the way i will tell about 3 type or model banks first is Intelegent Multichannel Bank, second is Sosially Engaging Bank, and last is The Digital Ecosystem Bank. But i will explain about Sosially Engaging Bank, so i will start :)

Sosially Engaging Bank example, a agent of bank to get new information from the central bank and next agent of bank informing to custommer and agent must promotion on social media ,so customer will know about new information, agen can share by facebook or tweeter etc.So Sosially Engaging Bank is use social media to incrase customer get a new information from bank about customer expetation and preference.

Like example about The American Express have several social media including link, like ,and love. American Express 30% increase  in sales from 2009 to 2010 they use facebook, twitter, and 4square.
Social media has become an important tool for costumers,waiting to share experiences,connect and learn more about different company and their product.

I Think that's all of my blog. Hopefully whats is read can be beneficial to you.

Thankyou ^^

Buying A Home at

Hello... welcomeback again with my blog, now i want to tell about Buying a Home and i will buy my dream house in the future.First i'll explain about my exterior facilities in my house.i want to make a karaoke room in my house,because i want to sing with my family together and it can make a more harmonious my family relationship.But i make that room in a small room ,not big room because it can be saving my place. Next, i will make a garden in behind my house,i'll make a garden full of lawns and fountains,so that the garden looks more beautiful and i will have a dog , so i can play with my dog in the afternoons day.And last i wanna make a meditation room, to make a tranquility and exercise patience in my life, so i can live in peace and relaxing self hahaha.....
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Second, is my Interior construction, first i will make a 3 bed room in my house, 1 for me and my life , 1 for my child, and 1 again to guard if there are guest.And in my bedroom ,i will design my bedroom like a cloud in the sky hmmm maybe like ceiling clouds picture.Next i will build 2 bath room, so as not to wait for a shower each other between people at home.And next is a kitchen room,for my wife cooks and eat together with my family.Last, i will build a family room,to meet each other and share a story with my family.
I wish my dream house reached in the future, so I can live with my family be happy until the end.I will make a this dream house in 5 years from now.

I Think that's all of my blog. Hopefully whats is read can be beneficial to you.

Thankyou ^^