Open your wallet, note carefully, how many credit cards you have? I had a little peek credit card owned by woman at the checkout one hypermarket in Jogjakarta, I was surprised, she have at least 6 units of credit cards.
How do I know? it may answer your questions. Easy, I am a Banker who's work with that everyday and it's try to see. Credit Card companies from the same publisher, often have the same style, and generally come from the same company network that is also a AMEX, Master and Visa. Easy huh?
Must be recognized that at this time have a credit card is not something extraordinary. You try to run one of the shopping center, and then you will find a lot of credit card ownership bid. The terms and condition more easily and more people may also have them all. Basically have a credit card it is important. Moreover, the possibility in the future all transactions will not conducted in cash. For we all also know, it's unsafe at this time to bring a large amount of money. Not with the number of the "smart" crimes as counterfeiting money. Besides safety, the transaction is digital and not directly with the physical money are also more sparingly. Why? How to deal with the digital before we can make to pay bills in accordance with that listed in the cashier's table. For example you bought a perfume at $ 150 and after the discount, and additional tax and the other to be at $ 122.24. Imagine how difficult it is worth the money to set up above.
Whatever the form of a credit card, the function is basically the same, namely to provide a facility to use our rights and obligations and then run. And it again, that obligation can be paid in monthly or gradually. But of course, subject to compensation in form of interest.
So if we know its function, then we should be able to use the smart card as a smart; means before using it make sure that you have the money to pay for them. Only use it when you have a time deposit ready to be withdrawal when the bill comes. Or use when you believe you can pay. For example, your salary should be enough to pay for them. So if you have a Cash Advance, make sure the card payments as a priority. Do not just 10%, that can be settled or at least 30% of it.
Purposes
We have discussed what should we do with our card. And we also know that was basically a credit card that provides the same facility that is not additional money. If so use it if you have money to pay for them at least 30%.
So therefore, we know that the usage is to pay our obligations. So my suggestion to use it: Pay that is all we need. So if you need payment covered with just one card, it means using only 1 card for shopping, paying bills, insurance, reserve fund, and so forth. But if you feel that you need more than just 1 card for transactions such as your credit card for shopping A, B, to the credit card bill-payment charges, credit card C to the payment of insurance, and credit card for back-up D and so on, then you can also do. But just remind me, the more cards you will be the greater burden of administrative costs should be, and of course will also create a greater temptation to use them.
So how much do we should have a credit card?
Once again there is no definitive figure. But if I can give advice, have a maximum of 3 cards is: One card is used as facilities for shopping and consumption needs (for example, to a monthly expenditure, the purchase of consumer goods and so on).
One card is used for routine bill obligations of the cost and investment / protection (for example, to pay Electricity, Water, internet, phone etc.)
One card is used for the facility means the reserve fund as a means of payment before your funds can be disbursed from the deposit.
So just 3, not more.
Regard.
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