Credit
Credit are the means of payment of cash that can be used by consumers to be
exchanged for goods and services they want in the places that can accept
payment by credit card (merchant ).Requirement
is simple is a
photocopy of ID card,paycheck or income,photographs
and other certificates deemed necessary
A
credit card or a credit card is the type of card that can be used as a means of
payment buying and selling goods or services where the repayment or payment of
return can be made by lump sum or by installments, a certain minimum amount.
The installment amount is calculated on the value of the monthly outstanding
balance plus interest.
The
bill in the last month, including interest (retail interest) is principal in
the next month. For example the previous month's bill is Rp. 1,000,000.00. The
minimum payment is set for example 10% of the total bill with a minimum payment
of Rp.50.000,00. Of that number, the cardholder must pay installments of 10% x
Rp. 1,000,000.00 = Rp. 100,000.00. Had the result of the multiplication of the
bill is less than Rp. 50000.00, then the number of installments for the month
minimum Rp. 50000.00.For
example the number of a bill for Rp.200.000,00, the installment amount is 10% x
Rp. 200,000.00 = Rp. 20,000.00. Because this amount is less than RP. 50000.00,
the cardholder must repay at least Rp. 50000.00. If the credit card holder did
exceed the limit, then the minimum payment is as much as the excess of the
credit limit plus 10% of the total credit limit. The payment should have Characteristics
of Credit Card,From
a wide range of credit cards issued by credit card manager in Indonesia,there
are common traits were similar between one another,namely;Looks Front is ID card,Validity,Name of cardholder,The logo and the name of the issuing bank,identification number of the issuing bank,The hologram ( three-dimensional images ) in particular for Master Card,
Visa , Astra Card, Bank Card.Back view Signature Panel ( Panel signature ),Magnetic Stripe,Debosing number ( number printed sink ) is equal to printed
on the front.The
advantage for the bank or financial institution Annual
fee charged to each card holder, the acquisition is huge every year. The more
cardholders so the more contributions might be Interest charged while shopping,The
administrative fees are fees charged to each card holder will withdraw cash at
an ATM,Fines
against late payment fees in addition to interest,Benefits
for cardholders, among others The
convenience of shopping on credit, a customer does not need
bring
cash to complete the transaction,Ease of obtaining cash for 24 hours and 7 days a week in various strategic
places, making it easier to meet the needs cash suddenly,For
some people holding a credit card gives the impression of reliability, thus
providing their own pride,Benefits
for traders (merchant}, namely is Can
increase sales turnover, this is due to minimal expenditure and the consequent
cardholders feel not pay with cash so it uses at will, then the cardholder
usually wasteful,As
a form of service provided to customers, so that customers always come back to
do the same thing over and over again
