What are the things to avoid if you have more than 2 credit cards ? How and why is that? This time Barnaby Rudge will be the things you should avoid if you have more than 2 credit cards.
Having more than 2 credit cards can be a disaster when you don’t balance them with the awareness of shopping wisely. Indeed, credit cards have many benefits, such as can be used when funds are not sufficient. However, if you have a credit card, the level of caution must also be increased compared to if you only have 1 or 2 credit cards.
Things You Must Avoid If You Have More Than 2 Credit Cards
At least, there are 9 things you should not do when you have 2 or more credit cards. In addition to causing waste, someone can also lose trust from the bank if they experience problems. Here are 9 things you should avoid if you have more than 2 credit cards.
Using a Credit Card Outside the Payable Limit
If you have the ability to pay Rp 10,000,000, then use the limit below the ability to pay. If the credit card is more than 2, it will be very important to share the credit card limit and use it in more detailed lines. The use of credit cards beyond the ability to pay will be very risky. Besides not having other deposits, you can also lose a lot of things in lieu of payment.
Using a Credit Card When You Have a Debit Card
Debit cards will be better for you, so you don’t need to have 2 credit cards or more if the debit is sufficient. Why is that? Because with a credit card you will have feelings of anxiety due to being chased by a bill. This will be different if you use a debit card which is actually your own savings.
Utilizing Unnecessary Credit Cards
It’s time for you to use the credit card that you will need. Don’t do too many transactions using a credit card. If the credit card bill has come out, don’t let you have the confusion to pay for the month.
Making Waste Because You Don’t Reach Limit
We recommend that the limit be adjusted to your needs. It is not good to make too large a distance between the limit and the expenditure. Therefore, it will be very good if the limit is limited and the use of credit cards is in accordance with needs. So, when you have more than 2 credit cards, you will not be pursued by a debt collector .
Forgot Payment Date
Use alarms on both the agenda and gadget when you often forget credit card payment limits. If you can’t remember it even though there is a lot of help from gadgets , it seems that this is not the right time to have more than 2 credit cards. Therefore, first reorganize your awareness and reduce vulnerability so that you can start having more than 2 credit cards after that.
Failure to Check Credit Card Activities
A credit card with all its activities for payment of bills or purchases must be clearly checked. If you often neglect to check credit card activity, first have 1 credit card before choosing 2 or more payment media on this one.
Mistakes that are often made by credit card holders with more than 2 numbers are missed calculations. If you miscalculate your credit card expenses, the consequences are enormous. There will be many additional bills that are more than monthly income. If this happens, immediately stop using your dual credit card.
Credit Cards Used by Irresponsible Parties
Many irresponsible parties can use credit cards without control. Therefore, if your environment is “vulnerable” when it comes to borrowing and borrowing credit cards, it’s good to have one credit card. So, when someone wants to borrow, you can reveal that reason. That this is the only credit card and is used almost every day and is not possible to borrow.
Obsessed With Online Shopping
Online shopping is indeed a very pleasant activity. Especially if someone has many needs but the time to shop is very limited. However, if you can’t eliminate the hobby of buying items online without budget constraints, don’t use more than 1 credit card.
Wise in Using a Credit Card
You have a variety of choices when using a credit card. Do not let the use of this credit card give your own downturn. Be wise in using a credit card so that you also get the many benefits offered by a credit card provider bank.
Which things have you already done ? How do you avoid the 9 things above ? Answer the question – the question above and share this important information to the friends who have two or more credit cards, thank you.