What is a good credit card? Why do people like it? Especially salary humans.

If we were payroll humans,

It's employees who have to rotate their expenses to survive each month.

Or maybe a silver man for less than a month.

What's in our pocket besides the ID card. There might be a "credit card."

But believe it, many people

Still don't use it right, don't understand its potential.

Or afraid to use it, even though it helps us a lot.

This article looks at the "advantages of credit cards."

Really through the corner of the working age. Not selling dreams. Not a beautiful world.

But it's something we should know before we decide to use it or not.

1.Use before, pay later

Many payroll humans, money doesn't enter, along with expenses waiting, credit cards help us "survive" during that time.

Because it has an interest-free period of 45-55 days.

If we know full pay and not slow pay,

It means we can use the money for free without interest.

It's a money revolving aid for people with certain income.

But the money-in-and-money-out rhythm still doesn't match

2. Multiple 0% installments

Many people have to buy big things, such as notebooks, phones, or health insurance, but their salaries are unaffordable.

Credit cards are the solution that allows "general employees."

You can buy the necessary items with 0% installment.

Pay not too hard, plan well, everything lasts without an informal loan.

3. Collect points. Redeem items. Many people use credit cards every day, but forget that "every swipe has points."

These points can actually be exchanged.

It's a gift card, refueling or redeeming items.

So the regular expenses we have to pay

Can come back as a small reward for yourself, too.

4. Get discount shop for dedicated cards

Many workers spend regularly at the same store.

Whether it's restaurants, cafes or online shopping,

Credit cards have deals in conjunction with these stores.

Use the right card. We may get a 5-15% discount.

Save hundreds to thousands a month.

Fits people who "spend money around" like people with salaries, of course.

5. Safer than carrying cash

Some payroll humans like to press cash in their pockets.

But if the day the bag is gone, all the cash is gone, there's no way to get it back.

But if we carry a credit card and accidentally lose

Can call immediately

The system will prevent immediate use.

It's safer and easier to track than cash.

6. Create long-term financial credit.

Who's human, payroll, line, plan the future.

For example, plan to buy a house, borrow a car, or invest in the future.

Having a "good credit card history"

Will become a credit that the bank takes into account.

If we pay directly, don't overuse.

A good credit history will help us get a higher limit.

Or better interest than people without credit at all.

7. Many additional benefits

Many cards provide rights that working people never know, such as

• Travel accident insurance

• Airport lounge

• Online protection

• Insurance store discount or fitness

Read good conditions and see that many things are "free."

We never used it once.

8. Cashback system

Many moneymen less than a month use credit cards to buy essential things, such as refueling, buying belongings into their homes.

Some of which provide 1-5% cash back for these categories.

We spend the same amount, but keep getting money back.

Helps reduce routine costs without changing behavior at all.

Credit cards aren't always villains.

If we were regular income, disciplined,

And not overuse yourself.

It is the tool of working people who plan to be

Save money, save money, save money, and help build the future.

If we're a payroll man who wants to survive without running, find a way out only. Credit cards are a helpful option.

True, it's easy to swipe, but it's also smart.

And must use with a disciplined plan as well

Because there are advantages and disadvantages that I will tell you in the next post.

# Credit card # First credit card # Financial planning # Office man # Salary man