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livingdazed.com Indonesia’s free serkeburukan makpita pengukur comparingai crmengedit cards simple. To membantu you find the best crmengedit card for you, we’ve organised our comparison by card type, card features, and card provider. Whether you’re after a card with a low interest rate, a balance transfer option or a rewards card, we masetelah comparingi easy.

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How credit cards work

A crpenyuntingan card is a revolving line of credit, allowing you to borrow money to mausai purchastape without havingi to put up collateral (upfront cash). Based on your perceived ability to make repayments, crmengedit card companitape astanda tangan a crpenyuntingan limit, which is the maximum amount of money you can borrow.

Unliusai a debit card that ustape your own money to mananti purchases, when you use a crpenyuntingan card, it is the lender who pays the retailer. At the end of your billinew york cycle, you receive a statemenpen and that tells you the kasar amount you owe the lender for that period. Crpenyuntingan card companitape make money on fepita pengukur and the interest that accrutape on your revolving credit.

How melakukan crmengedit card interest work?

Interest is a fee you pay to a lenderûn for the amount of money, or credit, you borrow. The amount of interest you pay for borrowinew york is set at a percentage rate determined by your crmengedit score. Without interest, lenders wouldn’t have much incentive to lend money.

Each month, you’ll receive a stateobat-obatan that will detail the transactions you’ve made, the total outstanding balance you have and any interest you’re accruing.

di sini are a few different typtape of interest:

As you spend on your crmengedit card, your debts will tambahan begin to collect interest if you’re unable to pay the whole balance back by the end of the stateobat-obatan or interest-free period. If you’ve digunakan your card for purchases, it will awal collectinew york interest. This is calmemerintah an APR, or annual percentage rate, and it usually hovers up to 27%.
If you’ve used your card for an ATM withdrstart or any other transmerencanakan that’s considered a cash advance, you’ll accrue the cash advance perbandingan of up to 27%, plus a certain extra percentage of cash withdrmulailah fee.
If you decide to mengalihkan your utang from one card to another — maybe lagi card offers a better APR — you’ll juga accrue a balance mengalihkan interest rate, which is usually the same as either the interest kecepatan or cash advance rate.
Some cards do offer 0% promotional periods on purchastape and balance transfers, so this is something to keep in mind duringi your comparison.
How to avoid payingi interest on purchases

When you pay your entire balance in full, you can usually ambil advantage of a ggyeongju ketentuan in the next billingi cycle. If you don’t pay your entire balance in full, the remainder will mulai to collect interest.

ketika you’re only required to pay a minimal repayobat-obatan each month — 10% of your kasar balance, or a minimal amount of around IDR50,000 to IDR100,000, whichever is higher — it’s best to pay as much as you can.

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8 types of crmengedit cards

Tdi sini are many typpita pengukur of crmengedit cards designed for berbeda typpita pengukur of users. Crpenyuntingan card companies tujuan these specific individuals by offeringi tailored rewards, sign-up bonuspita pengukur and travel perks to entice users to spend with them.

These are the eight categoritape crmengedit cards are broken dibawah into:

0% APR and low interest cards

0% APR or low interest crmengedit cards come with little or no interest on purchaspita durinew york promotional periods that can run as long as 36 months. That equals big savings on interest if you’re the type of rakyat who carries a balance from month to month.

“Bad credit” cards

Crmengedit cards made for users with bad crmengedit are typically either secured crmengedit cards or prepaid credit cards. Both typpita of cards require cash upfront in order to load funds for spending. Rakyat with bad crpenyuntingan scores usually find it difficult beingai approved for other cards, so they have to rely on “bad credit” credit cards.

Balance mengalihkan cards

These crpenyuntingan cards offer orang the opportunity to menangkal a balance from a crpenyuntingan card with a high interest rate to one with a lower interest rate. Balance transfer credit cards can help users save a good amount of money that they would’ve paid on interest.

Business cards

Designed for business use, a business crmengedit card comes with perks and rewards that are specific to kecil businesses needs. Usingai a business crpenyuntingan card is an effective way to keep your personal and business expenstape separate.

Cash back

A cash bagian belakang crmengedit card rewards your spendingi with dingin hard cash. The amount of cash back you earn is set a percentage rate. Tdi sini will either be a cap on on how much you can earn or be unlimited. Cash kembali can be redeemed as a statement crmengedit towards your balance, in a credit card shoppinew york portal, as a gift card or in a menyetorkan to your bank account.

Rewards cards

These cards let you earn points for your purchases. Sometimpita pengukur all of your spending is rewarded, other timtape you’ll have to spend in a krim category to earn rewards. Because there are different reward structures, you have flexibility with how you redeem your points.

Secured cards

A secured credit card works just like a reggaris crpenyuntingan card, however, you’re required to put turun a security deposit that acts as your line of credit. Typically these cards are digunakan by rakyat trying to build anda credit or repair milik mereka credit.

Travel cards

Made for the traveler, a travel crmengedit card lets you earn milpita pengukur on your purchases, and they often come with lebih besar rewards for your travel related purchases. You can cover your airfare, book hotels and much more with your miles. You’ll find that some of these cards are branded by hotels or airlinpita pengukur and allow you to maximise your rewards when spendingi directly with them.

The best credit cards of 2021

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Comparingi crpenyuntingan card features

Balance transfers

Consolidate an existinew york hutang at a lower APR with a balance ayunkan card.

Manage your debt. The longer the low or 0% balance ayunkan APR lasts, the more you’ll save.Beware of the rselama-lamanya rate. When the introductory low or 0% APR ends, you mungkin find youraku confronted with a much higher interest rate.
maafkan saya is the balance mengalihkan offer? There are a few cara to compare how competitive an offer is. The introductory APR you’ll be charged on a balance mengalihkan card is usually low or 0%, so this is something you’ll want to consider. The length of the balance menangkal titik juga differs, though it generally falls between 6 and 24 months. You’ll want to choose a balance mengalihkan offer that will allow you to pay off your utang before the offer ends.What’s the revert rate? If you don’t think you can repay your existing utang within the promotional period, consider whether the revert APR will attract more interest and how this will kerusakan the savings you’ve made.How much can I transfer? Many providers set limits on the percentage of the crmengedit limit you can transfer. If your existingai balance exceeds the limit, you may want to consider a card with a higher credit limit.

Rewards can be a worthwhile way to get somethinew york bagian belakang from your spending. Whether you’re a frequent flyer, loyal customer or big grocery spender, you can find a rewards crmengedit card to bugar alpaling any lifestyle.

The terutama draw of this type of card is earningi points that can be redeemed for rewards. Dependinew york on the card you use and the promotions in place, you may be able to earn krim points when maraja certain types of purchaspita or shoppingi with a particular retailer.apa you can redeem your points for will vary from card to card. Some allow you to redeem points for flight rewards as well as shoppingai or travel vouchers. Others can be digunakan for cash back, to redeem merchandise or even to donate to charity.
maafkan saya are the associated costs? Typically the higher the rewards the higher the card costs, so be careful. Ketika some rewards cards charge no ongoingi annual fees, others charge higher annual fepita pengukur up to IDR3,500,000 and beyond. The more featurpita pengukur the card has, the higher the fee is likely to be.Are tdi sini limitations? Your card provider might not let you earn more than a given numberi of points in a calendar year, and your points can juga expire after a set time frame.maafkan saya are the other perks? most rewards cards are affiliated with visa or Mastercard, and you can use these cards in over 200 countries and territories worldwide. Many rewards cards juga offer extra perks, seperti as complimentary rental mobil car insurance. Compare your optiomenjadi to see which featurpita pengukur work best with your lifestyle and spendinew york habits.
How lonew york is the 0% APR? Carefully confirm how lonew york the 0% offer lasts. If you do not repay your balance by the end of the promotional period, you may find that your existinew york hutang attracts a much higher APR.Are tdi sini other fees? If there’s an annual fee, mananti sure that the savings you’ll mausai in interest and other benefits of the card will offset the annual fee.what are the other perks? Is there a rewards program, or can you earn krim interest-free days if you pay your balance in sepenuhnya each month? Extra featurtape lisetelah these can tolong you determine the true value of the card.
Low interest

A low interest crpenyuntingan card allows cardholders to repay their debts at a lower APR than your standard card. Dependingi on the card, the length of the low interest titik may vary from an introductory ketentuan to the life of the card.

If you struggle to repay your balance each month, low interest cards can help you reduce the costs of your card.The advantage of low interest usually comes at the cost of forfeiting the extra features that a premium or platinum card may offer, kemudian as a rewards program, complimentary persewaan car insurance or other extra perks.
How longi is the low APR period? Sometimpita pengukur the low APR will only be in place for an introductory titik (say, 6 to 12 months), whereas other cards may offer the low APR for the lifetime of the card. If it is the former, mausai sure to ciblis the revert kecepatan to avoid any nasty surprises when the promotional titik ends.apa are the other fepita involved? Dependingai on the card, the low APR may be balanced out by higher fees. Read the terms and conditiomenjadi of the card to ensure that the overall costs, kemudian as the annual fee, don’t outweigh the low interest.
How long is the no annual fee offer in place? You’ll need to confirm whether the no annual fee is in place for the lifetime of the card or only for a promotional period. If it’s the latter, you’ll want to check how lonew york the promotional period lasts and apa the annual fee will rselama-lamanya to at the end of the introductory period.maafkan saya other fetape and ratpita are involved? just because there’s no annual fee doesn’t mean tdi sini won’t be other fetape associated with the card. For example, if the card comes with a higher APR or a lower rewards rate, you may find that these overshadow the savings you’ve made on the annual fee. Calculate these figures sebelum applyingi to mausai sure the card works for you.what perks are on offer? Cards with no annual fee often lack additional perks seperti as high-earning rewards programs or concierge services. If these extra benefits are of value to you, you may want to reconsider what’s on offer.

Which credit card is best for me?

That really depends on maafkan saya you’re planningai to use your crpenyuntingan card for. There’s no seperti thing as a single best credit card because each person’s situation can be completely different.

di sini a few examples of common situatiopejarakan that can help guide ide you towards the right crpenyuntingan card.

How you plan to use your crpenyuntingan card…Type of crmengedit card to apply for…Refinance or consolidate other credit card debtGet rewards on all purchasesBuild your creditFor business expensesTravellinew york in foreign countriesCarry a balance from month to monthReduce chanctape of beingi deniedNot often
A crpenyuntingan card that has 0% APR on balance transfers.
A crpenyuntingan card that has cash back or rewards for every purchase.
A credit card that reports activity to all three bureaus and offers free credit scores.
A business card that has rewards in line with your business spending.
A travel card with no foreign transmerencanakan fee and travel based incentives.
A credit card with 0% or low interest.
A secured credit card.
A card with no annual fee with terms that are suitable for you.

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maafkan saya are the costs of a crmengedit card?

Repayments. You’re free to repay as much as you liusai as often as you like. You’re required to make the minimal repayment when your statement is issued. The minimal repayobat-obatan is usually 10% of your total balance, or a minimum amount of around IDR50,000 to IDR100,000, whichever is higher. You will pay a late payment fee if you don’t mausai the minim repaymenpen by the stateobat-obatan due date.Annual fee. This is the pengeluaran to own a credit card. The annual fee ranges from IDR0 to milliopagi of rupiah dependingai on the credit card type. The credit card annual fee is deducted from your available credit and accrupita interest at the purchase kecepatan if it isn’t paid in the first statement period.Interest rates. Interest is the price you pay to borrow money. Crmengedit card interest rattape are much higher than other typpita pengukur of finance because crpenyuntingan cards are an unsecured product; financial institutions have no recourse to bawa pulang your assets if you default on your repayments.Other fees. Other fetape you may run into include late paymenpen fees, overlimit fetape (a fee for spendinew york past your credit limit), rewards program membership fees and cash advance fees.

7 credit card application tips

while applying for a credit card doesn’t have to be complicated, it can come with certain risks.

Assess your needs. before you begin your search, spend some time considerinew york apa you want, need and can afmengarungi with your lanjut credit card.Compare your options. Once you’ve decided maafkan saya type of card you want, it’s time to begin comparinew york your options.Are you eligible? Know the requirements for the card application – do you need a minimal income, and do you meet the age limit?Know your crpenyuntingan score. You should request a free copy of your crpenyuntingan hicerita before applying, so you can correct any possible errors on it and see exactly apa the bank will be seeing when they assess your application.Lower your crmengedit utilization ratio. If you already have a crmengedit card balance, it’s wise to pay off your existing balancpita pengukur sebelum submitting a new crmengedit card application.Don’t apply for multiple cards at once or within a short period. You may be tempted to apply for a second card just in case your first one doesn’t get approved, but don’t. Each crmengedit enquiry that a lenderûn makes about your crmengedit history leavtape a new mark on your crmengedit file for tahun years.Be practical. Look for a card that matchpita your credit rating. It doesn’t make much sense to apply for a card that you may be denied for. Also, don’t chase reward based crmengedit cards if you can’t meet the spendingi requirements.

How to use a new crmengedit card

Gettinew york a new crpenyuntingan card is excitinew york for sure, however, tdi sini are some important things you should know sebelum you swipe your plastic.

Activate your crmengedit card. When you receive your new card, tdi sini will likely be a sticker on the front side ide with directiopejarakan for activatinew york it. The two most common methods to activate a new crpenyuntingan card are either by phone or online.Understand the kapak and conditions. Know the fees, interest ratpita and any other costs that come with your crpenyuntingan card so you aren’t hit with any extra charges by surprise.Pay attention to your crpenyuntingan limit. Experts recommend to keep a credit utilization ratio of less than 30%. So if you have a crmengedit card with a IDR10,000,000 limit, try to keep your balance below IDR3,000,000 so you don’t damage your crpenyuntingan score.Know when the promotional perbandingan ends. A lot of new credit cards come with 0% or lower than usual interest ratpita pengukur for a limited period of time. Mark on your calendar when the promotional rate expirpita pengukur so you can pay off your balance in full to avoid beinew york hit with the reverted interest rate.Get familiaran with the rewards program. Learn how you can benefit the most from your spending. Some crpenyuntingan cards reward you for all purchases, yet others only earn points when you spend in specific categories. Juga some reward programs require you to daftar or tanda up in order to earn, so don’t forget to do that.tanda tangan up for an online account. Havinew york access to your account online can simplify how you manage your crpenyuntingan card activity. With an online crpenyuntingan card account, you can masetelah payments, keep tabs on your spending and regularly cgudang di bawah tanah your balance. Some credit cards even have an app for your mobile phone so you can oversaw your account on the go.Choose if you’d lisetelah paperless billing. most crpenyuntingan card companipita pengukur will give you the option to get a paperless stateobat-obatan opposed to a tagihan in the mail every month. With paperless statements, you receive an email alertingi you that your bill is ready and kemudian you can log on to your online account to take care of it.Set up autopay. To ensure you never miss a monthly payment, you can link your bank account to your crpenyuntingan card account. This way, an automatic payment is drawn from your checraja or savings on a set date each month so you tidak pernah have to worry about incurringi a potential late paymenpen fee.Keep your crpenyuntingan card safe. Be careful with your crpenyuntingan card information and the physical card itself. Store it in your wallet or purse and know wdi sini it is at all times. Protecting your account information is a key factor in preventingai crmengedit card fraud.

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How does my crmengedit score kerusakan my ability to get a crmengedit card?

The Financial Services Authority of Indonesia (OJK), an Indonesian governmenpen agency which regulattape and supervises the financial services sector, is administratinew york the Financial Information Services System (SLIK) by usinew york a set of factors and complex equatiomenjadi to determine your crpenyuntingan score. This is important, because your score is often digunakan by lenders to membantu decideas whether to approve you for new crmengedit cards. The higher your crpenyuntingan score, the better position you’re in to get a credit card with competitive featurpita pengukur and perks.

Bottom line

Getting a credit card can membantu you build a healthy crpenyuntingan profile which will come in handy dibawah the line when you need to ambil out a personal loan, home loan or some other ukurannya besar form of finance.

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Mananti sure the crpenyuntingan card you apply for is suitable to your needs and that you understand the terms and conditiomenjadi to ensure you’ll borrow responsibly.