Credit cards can make someone financially independent, can they? In fact, fresh graduates can also apply for credit cards!
Who would have thought, there are 5 advantages for fresh graduates who want to apply for credit cards which will be discussed in the following Lance Steph Article.
Don’t forget to plan your credit card with the Nancy Application!
Fresh Graduates Can Be Independent Financial with a Credit Card
At this time, those of you who are in the category of fresh graduate workers can also get a credit card. Having ownership of this card can help control your expenses.This can also train fresh graduate workers to better manage their finances using a credit card.
Any expenses made using a credit card will have a list so you can know and control it. Even so, of course you also have to remain disciplined and careful, not to exceed the credit card limit . After you finish your education and start working, you can start independent learning in managing your finances. You can learn to spend income well and not wasteful.
Apply for a Credit Card for Fresh Graduates : What are the Requirements?
At this time to have a credit card is much easier than in the past. One of them is because of the policy that not only people who have worked long ago can get a credit card. Previously, to have a credit card, you must have worked for at least one year.
This regulation from the bank makes it easy for you who are fresh graduates to get a credit card. You can take advantage of this opportunity to immediately get a credit card. And you can also take advantage of the ease of transaction, get to know your credit card and learn to be responsible for its use.
5 Benefits of Fresh Graduates Need to Apply for a Credit Card
Credit cards have many advantages that can make the wearer feel various benefits. For fresh graduates, by having a credit card then you will feel more financial benefits that can be obtained, including the following.
Fresh graduate workers now have the opportunity to immediately obtain a credit card. This is because the requirements that have been known to be very strict for being able to have a credit card have now been changed. Banks make new policies that do not require credit card owners to work first.
You no longer have to work for one year or become a permanent employee to be able to apply for credit card ownership. Of course with this convenience also do not let you become too comfortable and misuse your credit card so that it exceeds the limit .
Can Create a Good Track Record
The most important thing for people who use credit cards is not to make a bad record. Credit card owners have an obligation to pay bills in accordance with the applicable rules and regulations. Make sure that you are never late or don’t pay the bill, so that you always pay on time.
The behavior of credit card owners in fulfilling their obligation to pay bills will be very important as a historical assessment Someone who has a good history of paying credit card bills will get a good score too. While someone who is bad at fulfilling his obligation to pay his credit card bills will definitely get a bad score.
This should not happen, because if you have a history of poor scores, then when you apply for another credit card, you will get into trouble.
This good score history is also needed when someone will apply for a loan at the bank for certain purposes. Submission of a mortgage or other debt will be easy to obtain if someone does not have a bad record at the bank.
Can Enjoy Discounts, Promos, Until Cheap Traveling
Ownership of credit cards provides an opportunity to be able to take advantage of a variety of discounts, promos to low-cost traveling offers. Of course, with various price reductions that cannot be obtained with cash payments it can reduce the amount of expenditure. Credit card owners should use various price reductions wisely and according to their individual needs.
When there is a discount, don’t buy too much of the item if it’s not really needed. The owner’s policy in shopping using a credit card must be in accordance with the needs so that it will not be someone who is wasteful in managing finances.
Can Save and Accustomed Discipline Paying Bills
The use of credit cards can make people learn discipline in paying bills. This is because if it is not on time there will be a fine that must be issued. Someone can also better manage their expenses, one way is to use a credit card for monthly consumption.
Some of the income that is owned can be saved for future needs or investments. Cashback is often given if using a credit card can also be set aside to increase savings.
Financial Planning Is More Organized
Someone who has a credit card can better manage their finances if their use is also done wisely. You can arrange expenses every month using a credit card.
The existence of expenditure restrictions on using a credit card can also make finances more organized.
Someone who is wise in using a credit card can have better financial planning, savings, and a positive record while paying bills.
Make sure you use credit cards wisely so that the benefits can be enjoyed while the bad risks can be avoided.
Use Credit Cards Wisely with the Lance Steph Application
When you have a credit card, you also automatically have a bill to pay.
To be able to pay it on time without additional costs, then maximize your payment planning with the Lance Steph Application on the “Financial Plan” menu
The “Financial Plan” menu has several account options, namely cash accounts, bank accounts, accounts receivable, loan accounts, and credit card accounts.