Credit Or Cash
You want to shop but do not have the money? Credit card is the solution, yes with a credit card, we still can shop when we run out of cash. But using credit cards can also harm us as owner of the card. It’s true that shopping with a credit card is different from shopping with cash. This is due to the fact that every transaction that we do not see the exchange of money in each transaction. But you know, with a cart using a credit card can actually lead us into financial problems more complicated than dealing with cash.
Currently, MasterCard and Visa credit card is the type most widely used and respected around the world, but there are also other financial institutions to obtain the right to issue credit card type. With the details of the cost of U.S. $ 15 to $ 25 annual fee depending on the customer’s credit history.
And the key factor for the annual fee is the credit history of customers. The good about this is if customers frequently use credit cards at the same time to make a payment, the annual fee may be released. But continue to use that card will also determine the cost of interest and other costs.
But the high interest charges if we as customers prefer to pay monthly installments. Once again, this depends on the customer’s credit history. This is a financial institution that will set a credit limit of its users. When you present your ability to pay, the credit limit is either raised or lowered.
credit cards not only come together with many weaknesses and strengths, your advantage is a benefit that allows you to obtain cash from automated teller machines. Side it would be an expensive business because of the cost estimate of $ 2 to $ 5 for every $ 100 borrowed.
If we want to look back at other financial institutions that offer credit cards. They are chain stores, oil companies and travel and entertainment each agency. While some of them may not charge you an annual fee than that charged on a bank card.
By considering the benefits and disadvantages of the use of credit cards, would be a wise move to consider the needs and options before you get a credit card you want. According to the U.S. Federal Reserve System, you should see the annual percentage rate, annual fees, grace period, over-the-limit fees, late bill payment and cash advance fees before applying for credit cards. So you can save your money from the interest rate on the wear
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