07.25
Credit cards provide a lot of convenience in shopping. Using a credit card does not mean we are free to buy anything we want without any planning that mature on the payment, unless you have adequate funding for direct and pay at maturity date.
Most common problem is the number of debt obligations that must be paid as interest rate credit card. Could far exceed the debt payments if the principal of the selected scheme is the minimum payment or installment remains. Credit card interest is calculated not based on how many bills you left last month (if the minimum payment), but the total bill from the beginning.
Example:
Credit card interest rate 4%
You use credit cards to buy plasma TV device at Rp. 50 million.
Tell a minimum payment that you pay Rp. 5 million every month and this has been running for 4 hours.
On paper means that you already pay Rp. 20 million (out of interest), the remaining debt is Rp. 30 million plus interest.
Nah interest charged on the remaining balance on your debt-to 5 months is not 4% x Rp. 30 million, but the balance of your debt that is the initial IDR. 50 million.
Acquittance for allocation, the maximum is 30% of monthly earnings, unless you have more funds in the savings or you ready to live completely economical because of the routine to pay a debt discharged. Suppose you have a credit card debt Rp. 10 million, your monthly income is Rp. 2 million, the maximum revenue that should alokasikan to settle your debt is 30% x Rp. 2,000,000 = Rp. 600,000 / month.
If the financial condition is not possible to set aside 30% of revenue, contact the bank to re-schedule a time and pay. Some of the things that you need to prepare before contacting the bank:
-Prepare detailed billing (billing statement)
-Letters from the bank to settle the arrears (if any)
-Determine exactly how much your ability to pay off credit card debt
If your credit card account has been problematic (menunggak) for months, do not put great hope that telalu akan debt collector beramah-hearted with you when called. Generally, debt collectors have been trained with certain materials that you pay off debt as soon as possible, can still form in the stage of negotiations to the level of intimidation, threats etc if they find customers who are not cooperative. Remember, our country is a country of law, even if you are intimidated with the threat of physical, always easygoing course, is how you stay on top of the wind because the debt collector you want to collect debt from you. Explain briefly and firmly that you intend to pay off the debt.
When to call the collector, they usually refused to back reschedule debt, essentially, they only want to pay off all debt the customer at that time also. If such a condition that must be your face, there are several things you can of the:
-Stop the negotiations by phone with the debt collector, do the polite, often they use for fishing rough emotional customers. Remember all the talk by phone to record, so if you would wisely avoid provocation.
-Request with the good things to talk to one, can be managers, supervisors. In general, they can be more negotiation and certainly more educated.
Send a letter-request reschedule debt to your credit card department authorities, line-bawahi that you really want good beritikad defaulter. Explain in detail when starting (date), how much value you pay at this time, the value that youable to pay to the next month.
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