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 ^^