Want to Have a Credit Card, Think First!

Do you Want to Have a Credit Card? Credit cards have already become one of the lifestyle of the people of Indonesia in recent years. Based on the records of Bank Indonesia, in 2007 credit card users by 9.1 million people. At the end of 2011 increased to 14.7 million people.

Want to Have a Credit Card

“Unfortunately, the number of credit card users do not Sejala with payments made to the bank. Many credit card payment transactions are stalled,” said Praise Atmoko, Head of Payment System Oversight Team BI in the show Talkshow in Demat Restaurant, Jakarta, Monday (6/2)

In a talk show hosted Brava FM and Media Indonesia, the government disclosed in this BI has issued revised Bank Indonesia Regulation (PBI) of the Card Payment Instruments (APMK).

One of the rules are, they can have a credit card when his salary of at least Rp 3 million. If you have more than two credit cards, then the number just three times the salary ceiling of credit card users.

“These regulations were published to protect customers. Since many customers used to paying under two million to make a credit card, when I have to pay the difficulty. This is what we avoid,” added praise.

A little advise for potential users of credit cards;

1. If wages are not Rp. 3 million should not have to have a credit card.
2. You can still use other means of payment such as debit cards.
3. If you already have a credit card, should be disciplined in paying the minimum payment, so you do not pay interest on flowering in the months ahead.

What about you? Want to Have a Credit Card?