{"id":3466,"date":"2020-12-02T10:17:29","date_gmt":"2020-12-02T10:17:29","guid":{"rendered":"https:\/\/www.ibpo.com.my\/?p=3466"},"modified":"2023-09-29T13:37:55","modified_gmt":"2023-09-29T13:37:55","slug":"7-ways-to-use-a-credit-card-and-make-it-work-for-you","status":"publish","type":"post","link":"https:\/\/www.ibpo.com.my\/chi\/7-ways-to-use-a-credit-card-and-make-it-work-for-you\/","title":{"rendered":"7 Ways to Use A Credit Card \u2013 and Make It Work for You"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"3466\" class=\"elementor elementor-3466\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-09cf8aa elementor-section-full_width xts-section-stretch-content elementor-section-height-default elementor-section-height-default\" data-id=\"09cf8aa\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9fe15c9\" data-id=\"9fe15c9\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c13866a elementor-widget elementor-widget-html\" data-id=\"c13866a\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t[xts_html_block id=\"3506\"]\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-86c14ad elementor-section-full_width elementor-section-height-default elementor-section-height-default xts-section-disabled\" data-id=\"86c14ad\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5c446df\" data-id=\"5c446df\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a1e5a17 elementor-widget elementor-widget-shortcode\" data-id=\"a1e5a17\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-shortcode\">\t<div class=\"ibpo-articles xts-single-post-header\">\r\n\t\t<div class=\"xts-post-meta\">\r\n\t\t\t\t\t\t\t\t\t\t<div class=\"xts-post-categories\">\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t<a  class=\"xts-post-category\" href=\"https:\/\/www.ibpo.com.my\/chi\/category\/articles\/\" rel=\"category tag\">\n\t\t\t\t\t\tArticles\t\t\t\t\t<\/a>\n\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t<a  class=\"xts-post-category\" href=\"https:\/\/www.ibpo.com.my\/chi\/category\/articles\/credit-cards\/\" rel=\"category tag\">\n\t\t\t\t\t\tCredit Cards\t\t\t\t\t<\/a>\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"xts-post-date\">\n\t\t\t\t\t\t\t<time class=\"published\" datetime=\"2020-12-02T10:17:29+00:00\">\n\t\t\t\t\t2 12\u6708 2020\t\t\t\t<\/time>\n\t\t\t\t<time class=\"updated\" datetime=\"2023-09-29T13:37:55+00:00\">\n\t\t\t\t\t29 9\u6708 2023\t\t\t\t<\/time>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\r\n\r\n\r\n\t<\/div>\r\n\r\n\t\t\t<h1 class=\"ibpo-articles xts-post-title xts-entities-title\">\r\n\t\t\t\t7 Ways to Use A Credit Card \u2013 and Make It Work for You\t\t\t\t<\/h1>\r\n\t\t\r\n\r\n\r\n\t\r\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-60bed14 xts-scheme-inherit xts-textalign-inherit elementor-widget elementor-widget-text-editor\" data-id=\"60bed14\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.23.0 - 23-07-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"wpb_text_column wpb_content_element \"><div class=\"wpb_wrapper\"><p>Using a credit card for purchases can be scary sometimes. Just imagine all the things you can buy with a mere piece of plastic and all the ways you can overspend.\u00a0<strong><em>Uncontrolled credit card use<\/em><\/strong>\u00a0can put you at\u00a0<strong>risk of getting into\u00a0<em>unaffordable debts<\/em><\/strong>.<\/p><p>However, don\u2019t overlook the benefits because of this, a wise consumer would utilise cash-backs and other rewards from credit cards that save you money in the long term.<\/p><p>If you have in-depth knowledge about how credit cards work,\u00a0<strong>they will work for you!<\/strong><\/p><h2><b>Credit Cards For Dummies<\/b><\/h2><p>In essence, using a credit card is like borrowing a 30-day loan for each of your transactions. An interest rate is incurred on your outstanding balance if you do not pay off your bill in full each month.<\/p><p>The maximum amount of money that can be transacted over your credit card each month depends on your credit limit which is pre-set for the credit card you applied for.<\/p><p>Certain credit cards require you to pay an annual fee and most credit cards have a minimum spend each month for the cardholder to avoid deactivation of the credit card. As such, it is important to check thoroughly with your issuer for any charges, fees, and interests that may be imposed on your credit card.<\/p><p><strong>With that out of the way, let\u2019s discuss what you can do to reap the benefits of using a credit card.<\/strong><\/p><p>\u00a0<\/p><h3><b>Do Not Hold Too Many Credit Cards<\/b><\/h3><p><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter wp-image-1068 size-medium\" src=\"https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2020\/12\/too-many-credit-cards-300x200.jpg\" sizes=\"(max-width: 300px) 100vw, 300px\" srcset=\"https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2020\/12\/too-many-credit-cards-300x200.jpg 300w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2020\/12\/too-many-credit-cards-1024x683.jpg 1024w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2020\/12\/too-many-credit-cards-768x512.jpg 768w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2020\/12\/too-many-credit-cards-1536x1024.jpg 1536w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2020\/12\/too-many-credit-cards-219x146.jpg 219w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2020\/12\/too-many-credit-cards-50x33.jpg 50w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2020\/12\/too-many-credit-cards-113x75.jpg 113w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2020\/12\/too-many-credit-cards-750x500.jpg 750w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2020\/12\/too-many-credit-cards-1140x760.jpg 1140w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2020\/12\/too-many-credit-cards.jpg 1920w\" alt=\"\" width=\"300\" height=\"200\" \/><\/p><p>The initial concern that arises when you hold too many credit cards is the likelihood of you overspending.<\/p><p>While you may not be spending with all your cards, financial institutions might look at your record and\u00a0<em>assume you have a spending problem<\/em>. Worse still, it may\u00a0<em>tempt<\/em>\u00a0you into actually overspending and accumulating debts!<\/p><p><strong>This will impact your credit score and harm your chances of getting a loan.<\/strong><\/p><p>\u00a0<\/p><h3><b>Always, Always Pay Your Credit Card Bill On Time<\/b><\/h3><p>To maintain a healthy credit score, pay your credit card bills on time, or at least the minimum payment on your credit account. Late payments often result in heavy penalties, high interest rates, and charges that damage your personal finance and impacts your cash flow for months to come.<\/p><p>In addition to financial penalties, your bills\u00a0<em>might be sold off to debt collection agencies<\/em>\u00a0who may not be too\u00a0<em>friendly<\/em>\u00a0with you.\u00a0<\/p><p>\u00a0<\/p><h3><b>Never Carry An Outstanding Balance<\/b><\/h3><p>Although minimum payments are sufficient to keep away penalties and scary debt collectors, you should always fully pay off your balance every cycle when possible.<\/p><p>Not only does it keep your credit usage low, it also won\u2019t incur an interest. Carrying an outstanding balance means you end up paying much more than you should for your transactions.<\/p><p>Credit cards should not be utilised as a long-term credit option because the interests are\u00a0<em>extremely steep<\/em>\u00a0compared to other financing options.<\/p><p><strong>Always be wary of any outstanding balance on your account to avoid overpaying.<\/strong>\u00a0<\/p><p>\u00a0<\/p><h3><b>Use Your Credit Card As If It Is A Debit Card<\/b><\/h3><p>The best way to use your credit card is to use it like a debit card \u2013 remember after you clear your debts, your credit card spending will be reflected by the amount you have in your checking account.<\/p><p>This way, you can be more mindful of your purchases and not overspend your credit. A good way to start this habit is to monitor your credit card and checking account balances regularly to ensure you don\u2019t spend more than you can repay.<\/p><p><strong>Pay off your credit card bills regularly<\/strong>\u00a0\u2013 instead of doing a monthly payment, try paying it off weekly or once every two weeks to avoid carrying balances.<\/p><p>By effective management of your credit cards, you ensure you are\u00a0<em>not overpaying<\/em>\u00a0your issuer\u00a0<em>unnecessary interests<\/em>\u00a0and enjoy all the benefits of using a credit card.<\/p><p>\u00a0<\/p><h3><b>Keep Your Credit Card Accounts Active<\/b><\/h3><p>One of the\u00a0<strong>key features<\/strong>\u00a0of using a credit card is the calculation of your credit history through your credit account, which will be\u00a0<em>reflected in your credit score<\/em>.<\/p><p>The longer your credit history, the better your credit score will be, provided you are a responsible user, and a good credit score makes it easier for you to get larger sum loans.<\/p><p>Hence, keep your credit card accounts active by using them and fulfilling the minimum spend each month\u00a0<em>to avoid account closure<\/em>.<\/p><p>\u00a0<\/p><h3><b>Redeem Your Rewards! (You Deserve it)<\/b><\/h3><p>Most credit cards award you an average of 1% to 2% cashback or rebate on your purchases,\u00a0<em>some even go up to 10%<\/em>. The\u00a0<em>rebates<\/em>\u00a0or\u00a0<em>cashback<\/em>\u00a0(usually in the form of points and miles depending on your card\u2019s type) are redeemable for various gifts, cash, merchandise, and even vacation packages.<\/p><p>Conduct small research on the rewards your issuer provides and find out what\u2019s best value for you.\u00a0<strong>Do not let your rebates go to waste!<\/strong><\/p><p>\u00a0<\/p><h3><b>Understand The Benefits of Different Credit Cards<\/b><\/h3><p>Most credit cards on the market currently are associated with a variety of benefits such as consumer protection, extended warranty, credit score report, rental car insurance, and even access to premium airport lounges depending on your card type.<\/p><p>Different cards come attached with different sets of benefits.\u00a0<strong>You should take some time to go through the benefits of various card types.<\/strong>\u00a0<\/p><p>It helps you to understand which set of benefits are the\u00a0<em>most useful to you and your lifestyle<\/em>\u00a0as it can\u00a0<strong>save you heaps of money<\/strong>\u00a0over the lifetime of your credit card.<\/p><p>\u00a0<\/p><h2><b>The Bottom Line?<\/b><\/h2><p>With proper utilisation, credit cards can act as your\u00a0<strong>universal voucher booklet<\/strong>\u00a0chock-full of\u00a0<em>savings<\/em>\u00a0and\u00a0<em>benefits<\/em>\u00a0that can also be used as a payment method.<\/p><p>On the contrary, if used incorrectly, credit cards can land you in a world of\u00a0<em>severe debt<\/em>\u00a0and\u00a0<em>irreparable credit scores<\/em>, resulting in\u00a0<em>you working for your credit card<\/em>, not the other way around.<\/p><p>\u00a0<\/p><p><strong>In short, don\u2019t use your credit card if you\u2019re drunk.<\/strong><\/p><\/div><\/div><\/div><\/div><\/div><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>[xts_html_block id=&#8221;3506&#8243;] Using a credit card for purchases can be scary sometimes. Just imagine all the things you can buy with a mere piece of plastic and all the ways you can overspend.\u00a0Uncontrolled credit card use\u00a0can put you at\u00a0risk of getting into\u00a0unaffordable debts. However, don\u2019t overlook the benefits because of this, a wise consumer would [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":3467,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[17,82],"tags":[83,33],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>7 Ways to Use A Credit Card \u2013 and Make It Work for You - IBPO<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.ibpo.com.my\/chi\/7-ways-to-use-a-credit-card-and-make-it-work-for-you\/\" \/>\n<meta property=\"og:locale\" content=\"zh_CN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"7 Ways to Use A Credit Card \u2013 and Make It Work for You - IBPO\" \/>\n<meta property=\"og:description\" content=\"[xts_html_block id=&#8221;3506&#8243;] Using a credit card for purchases can be scary sometimes. Just imagine all the things you can buy with a mere piece of plastic and all the ways you can overspend.\u00a0Uncontrolled credit card use\u00a0can put you at\u00a0risk of getting into\u00a0unaffordable debts. 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