Guess the business of paperless transaction is going well!! http://s.nyt.com/u/AVz
When you start to work, one of thing that might be in your mind is : having credit card. Why? Humm not sure tho'
But as a woman, many cases that one getting trouble with it. Credit card allow you to have new prada bag, new LV coat,etc, all in discounted price!! But then, realize that she has more debt than income, she got into big trouble. Even though she got a cheaper price, but at the end, she need to pay to the interest rates of the debt or penalty fee. Bang!! And the money goes to the bank!! Yeah that is one way how they get money from us, other than charging the stores 1 cent of every dollar purchase.
With a lot restriction and troubles to have it, why people still want it? Prestigious card? Or lifestyle? For easy life? Or maybe all of them?
Why credit card?
Paperless transaction? Really? Are you really that green? The benefit of having it, hummm you can buy something while you dont have money and at discounted price.
Hari gini, org pada ngomingin punya credit card, secara udah mulai punya penghasilan, dn kebetulan penghasilannya mencukupi untuk punya credit card. Tapi kadang gw suka mikir, apa iya credit card banyak mudharat-nya dari pada benefitnya? Atau sebaliknya?
Ap credit card itu seperti jebakan yg lebih halus dri gamble? Pernah denger kan ada org yg bankrupt gara2 credit card? Sama halnya gamble, pada saat orgnya menang, he/she will be happy, tapi kalo lagi kalah ujung2nya rugi juga.
Setelah gw pikir2 lagi, diskon2 yg dikasih jga gak gede2 banget, paling2 sekitar 10%-20%, kcuali makan pake credit card mandiri yg diskonnya bsa sampai 50%, I dont know what kind of deal they have.. Untuk pembelian kecil/sehari2, diskon segitu gak begitu berarti banyak, but for big ticket? Yes it is a lot of money. Let say, you buy a rolex watch, it costs you maybe 2500 SGD, when you pay with credit card, you might have 250 SGD rebated. Artinya credit crd akan sangat berguna saat kita mulai beli2 barang yg termasuk 'big ticket'. Dan awal karir, bukan saat yang pas buat punya credut card. Anyway, belakangan debit card (untuk beberap bank) eligible buat dapet diskon2 yang tersedia untuk credit card.
Paperless transaction, sebenernya keuntungan buat kita. Tentu bkn jamannya lagi bawa2 dompet tebel berisi uang. Ini salah satu keuntungan tdk terbantahkan ttg credit card. Tapi credit crd punya competitors, seperti : debit card dan NETS (buat yg disingapur), even ez-link now can be used to shop.
Bayar perbulan atau pertahun.
Gak smua kartu mnta dibyar ( but most of them) biasanya mereka menghilangkan kewajiban membayae untuk beberapa tahun awal. Yang begini ini yg perly dihitung2, apa diskon2 yg kita dapet bsa lebih besar dri biayanya? Artinya, punya credit card, sebaiknya setelah pengeluaran kita banyak (setelah menikah misalnya). Tapi kalo memang free it would not be a problem, I guess. Lagipula sebenernya ATM card, atau debit card juga ada biaya admin, yg kadang2 terlupakan.
Having idea that I can buy a thing when I dont have money is freaking me out. Secara gw baru punya duit sendiri, kind a shock untuk ngatur duit sendiri. For this, I am choosing debut card.
Untuk diskon gw dapet (walau gak banyal), paperless transaction juga bsa, bisa di seluruh negara juga, dan hanya bsa dipakai saat ada uang, bukankah begiti seharusny??
Punya debit card, feeling gak ngeluarin duit tapi dapet barang, that is the thing that make me worried. But at least, when the transaction is successful, means you have money... Not sure about the money left tho'
It's frightening and helpul at the same time.
I choose debit card still.
- Posted using BlogPress from my iPhone
Pake iPhone, pantesan.. Banyak typo. Credit card atau Debit card? Kk lebih banyak pake debit card karena biar lebih terkontrol. Tapi klo Credit card ada program cicilan 0%, ya... pake Credit card. Ini bukan artinya lebih suka ngutang, tapi ini semata masalah likuiditas. :)
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