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Practicality and ease the main reason some people use more than one credit card. Credit cards are not only easy when shopping (because do not have to carry cash), but also useful when you pay your hotel bill when you’re abroad for example.

Credit cards become problematic when you can not self control when using it. So, before you have a credit card, it is important to understand how to use it intelligently.

Syafriady Hutagalung, financial planner, writing in the Financial Consultant Group defines credit cards as a form of loan account that can be used continuously within the specified time period. The man who was familiarly called Adhie this continues, the loan account has been determined maximum limit that can be used by the borrower. Borrowers can use these funds continuously provided that not reach the maximum limit. Each time the debt repayment of the loan will reduce the balance in the account. This means funds can be used also increases.

credit card user is the borrower. So make sure you have strong self control for wise use of loans. However credit card is debt.
there are some disadvantages and advantages of using a credit card:

Advantages:

* You will not be charged interest if you pay your debt until paid off under the grace period (prior to maturity) within 25-30 days.

* Simplifying the registration because the credit card company will send a report to your account.

* Convenience and can be used when not have cash for unexpected needs.

* The risk is lower than carrying cash.

* Can be used around the world because the issuing bank in cooperation with the international financial network that is recognized throughout the world.

* Benefits of the current widespread because the issuing bank has worked with several merchants to provide special discounts with credit card.

Weaknesses:

* You tend to spend more with credit cards so that the consumerism trend higher.

* High interest rates. You have to pay high interest for the balance that has not been paid.

Tricks:

* Save your credit card for payment by installment system. Do not get stuck to always rely on payment by credit card if you can only pay the loan installments.

* Do not buy their daily needs through credit cards because you will be addicted and then get stuck with consumer debt. Pay cash for daily basic needs, and save your credit card at home.

* Pay your bills before the due date to avoid interest.

* Pay your bills at the amount of groceries. That is, do not indulge yourself by delaying payment of bills. If not capable, then the self control to not only shopping with credit cards.

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