Tips for Using Credit Cards Wisely

Offers many advantages. Payments are comfortable, cut prices on a variety of restaurant or hotel and many other advantages. However, credit cards can also bring many problems, if you are not careful in using it.
Use that it can easily make you falls asleep with constantly swiping a credit card regardless of the obligations that must be paid at the end of the month. Well, if you have this you will realize when the bill is bloated.

If you use a credit card wisely, then the credit card can make your life easier. As quoted how, here are tips for using credit cards.

1. Always pay the full bill every month. Interest in credit cards is usually higher, so do not procrastinate so as not liable to pay interest many times over.

2. Customize your purchase with the money they had. If you do not have money saved, then do not use credit cards. Make sure you still have enough money to pay off your credit card bills.

3. Avoid using credit cards in places that do not cooperate with your credit card. Usually if the machine does not support credit card with your credit card, will incur a charge of 3 percent. Dependant charge will be paid by the credit card owner. So this will hurt you.

4. Use only one credit card only. Do not be lulled by credit card offerings. If you have two or three credit cards you actually bother of having to pay dues per year. In addition, having a credit card more than one further encourage you to spend more.

6. Avoid taking cash on credit cards. Flowers are borne will be huge if you take cash from the banks that issue credit cards. So try, do not take money from credit cards.

7. Keep your credit card number information. Do not just buy stuff online with your credit card number. If you want to shop online, make sure the place you are shopping already trusted. Credit card numbers can be abused and used by others.

8. Always check the bills every month. This is to avoid your credit card used by others.


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Tips and Tricks using a credit card to avoid debt

Who wants to trellis debt and the catch-chased by debt collector? Especially in the period in which every person can easily make a credit card as now, consumers are free to buy more consumer goods without realizing the high interest credit card, then you need to apply the following surefire tactics to prevent that you are not harassed by debt collectors.

1. Prioritize Largest Flower

Credit card bill will bloom and the flowers will bloom again. That's why; you have to pay off your bills. If funds are not enough, give priority to paying credit card bills from banks that apply the highest interest, especially if you have credit card debt of more than one. Let's say you owe 2 million dollars in bank A are applied rate of 10 percent and 1 million dollars in bank B, which charge interest rates of 8 percent. Repayment of debt means that you must prioritize the debts of the bank A

2. Bring Claims in One Account

If you are delinquent credit card debt in several banks, move the bills on one of the banks that charge the lowest interest rates. You can also report on the credit card issuing bank that you want to move the credit card accounts because of the high competition among banks typically they dared to offer a lower interest rate.

3. Use for Durable Goods

Basically there is nothing wrong with the presence of a credit card as long as it is used appropriately and discipline pay.
Use a credit card to pay for items that provide more value even though you have paid off payment. For example for education or buying a computer. Avoid swipe a credit card to pay for concert tickets, vacation expenses, or eating in restaurants.

That need to be understood, credit cards are a way to borrow money from banks for 25-30 days. Take advantage of this time to pay credit card bills so that you are safe from the flowers.

This Tips Using Credit Cards

Jakarta - Bank Indonesia (BI) cautioned to customers and prospective customers in their use of credit cards in order not to fall and was in debt. What information should be known by the credit card holder?
Associate Analyst Bank Indonesia Sri Yulia Parayudhanti reveals both to holders and prospective credit card holders need to know basic things before using this card.


"It is important, for prospective customers and clients to know these basic things that customers will not get caught and if they feel aggrieved clients understand their rights," Sri said when met at the sidelines of the Transparency Products, Customer Protection and Mediation Banking at Hotel Papandayan , London, Saturday (24/09/2011).

What should be known to clients the following explanation of BI:

1 ) Credit card issuers must inform the use of the services of parties other than the credit card issuer to perform billing, if the credit card issuer to use it.
 2 ) Credit card issuers submit billing information complete, accurate, and informative and done correctly and on time.
3 )   Any change in general to information shall be informed in writing back to the credit card holder.
4 )  Credit card issuers are automatically prohibited from providing facilities that have an impact on the additional costs to be borne by the holders of credit cards or other facilities outside the main functions of a credit card
 5 ) In the case of issuers using the services of a third party by such party billing is only done if the quality of credit card bills, in doubtful or loss
 6 )  Publishers must ensure the billing by the other party notice provisions in a manner that does not violate the law
 7 )  In the event the merchant transaction processing prohibited EDC cash withdrawals using a credit card.
 8 )  Merchants are prohibited from charging additional fees (surcharge) to the holders of credit cards
 9 )  Minimum payments are pegged publisher for customer liability in the amount of arrears which amounted to 10% minimum of the total bill
 10 )  Cash withdrawal limit is $ 10 million for cash withdrawals through ATMs
  Nominal boundary to be transferred via credit card is $ 25 million through the ATM

"When there are customers who feel do not get the rights that should be given by the publishers, customers may request direct to the publishers," said Sri.

If there are problems, Sri adding sometimes solved by direct bank and if it has not satisfied the customer can complain through the mediation of Bank Indonesia.

TIPS and TRICKS STOP CREDIT CARD BE CUSTOMERS

Some time ago, I decided to stop using credit cards. Therefore I called the credit card issuing bank, so they delete my account. Of course, before the rest of my bills have been paying off. Tragically, they continue to seduce me in many ways that I do not stop being their customer. I am seduced by the lure of a free annual fee, and so on. In essence, I find it difficult to give a very strong reason, that they "give up" and granted my request to terminate my membership.

I want to ask, is there any practical tips that I can do to stop the membership in the credit card issuing bank?

Thank you very much for the reply.

Answer:

Hello Sir Roy tough!

Of course you may stop at any time from membership of a club, an organization, an association, let alone a credit card membership. No one has the right to forbid you to stop, so that a variety of seduction and persuasion of the various parties should not be a problem.

But the various acts of seduction and persuasion it was quite disturbing and makes you hard and uncomfortable. Well, here are some tips for saying "no" to the seller all around us in a way that diplomatically:

1. Do not say anything about the reason for your decision to quit. The more you talk, the more information that can be used by sellers to break your mind.

2. If bonuses are offered a range of facilities and other facilities, just say you do not need it. Offers a variety of other facilities is one way of them to distract you. Saying "no need" better than "not interested". "No need" is the final decision, was "not interested" means there are still opportunities.

3. Used word "no" as often as possible, because it pshikologis will further weaken the spirit of the persuader.

4. Let them talk at length without being interrupted by you. At the end of the explanation, usually they ask your opinion with the phrase "What sir?". Be careful! It is a trick to prolong the conversation. Do not argue any opinion. Powerful sentence that you can use is "Thank you for your explanation, but sorry I stick to my decision to quit."

5. Last weapon is to say you will soon be meeting or any other urgent activities so that this problem should be solved now. Remember, the longer the conversation, the more powerful seduction waged. Of course the best time to do this is during peak hours of work, so do not get caught engineering.

That we should realize, that they are simply carrying out their duties, because it remains to be sympathetic and friendly without having to sacrifice your interests. Hopefully these tips were helpful.

Tips & Tricks, 4 Ways to Secure Credit Card Transactions

True credit card users need not fear the debt collectors. That need to be anticipated is that credit card thieves do not be affected breaker credit card. How do I? Tim Info bank

Credit card crime increasingly sophisticated. Hence, the card owner must be extra careful. According to the Executive Board of Credit Card Association of Indonesia (Akki) Dodit W. Prabojakti, there are a few tips for users of credit cards to avoid misuse of credit cards.

< One > , the credit card and related documents must always be under the supervision of the cardholder. That is, if the card is lost, must be reported immediately to the bank concerned to block fast.

< Two >, if you want to transact via the internet, find a safe place. "Do not be in public places are easily intercepted, either card number or anything," said Dodit some time lau, in Jakarta.

< Three >, when wanting shopping through online shopping facility, look for a reputable provider. "Do not give card number and its expiration. Because, a certain merchant, the consumer gives a 16-digit card number and expiration period, it was entitled to debit, "advises Dodit.

So, he said, always apply caution against persuasion and goods and services offered.

< Four >, if the issuing bank call and see recent transactions, answer honestly. Therefore, it could be, it unusual transactions on your card. That's if you want your credit card safe aka not compromised. (*)

How to avoid the misuse of your Credit Card

your financial security, is of great we watch. To anticipate the possibility of risk
fraud and misuse of the card, we implement early prevention services (Early Fraud Detection) with this service allows us to notify you in case of private transactions outside of your habits.


However, we recommend that you always check your monthly billing statements to ensure that every credit card transaction you are well done by you as a cardholder.

Tips to avoid theft, fraud or abuse of the card:

1) Storing credit cards in a safe place.

2) Do not provide data or credit card information to another person or party that is not clear.

3) Check the monthly billing statement and match it with the transaction slip to ensure that transactions are printed on billing statements in accordance with the transaction you are doing. Immediately report to the bank if there are discrepancies or errors.

4) You are expected to cooperate, if the Bank to confirm the transaction is usually done by telephone.

5) Never sign a blank receipt.

How to Use Credit Cards Lucky

Practicality and ease the main reason most people use more than one credit card. Credit cards not only makes it easier when shopping (because do not have to carry cash), but also rewarding when you pay your hotel bill when it was out of the country for example. Credit cards become problematic when you have no self-control in using it. So, before having 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 in the specified time period. The man who is familiarly called Adhie this continues, the loan accounts have determined the maximum limit that can be used by the borrower. Borrowers may use these funds continuously provided does not reach the maximum limit. Each time the debt repayment of the loan will reduce the balance in the account. This means that funds can be used also increased.

Importantly, the credit card user is the borrower. So, make sure you have strong self control in order to wisely use the loan. However credit card is debt.

Adhie explains, there are some disadvantages and advantages of using a credit card:

Advantages:

ou will not be charged interest if you pay your debt until paid off under the grace period (prior to maturity) within 25-30 days.
*    Simplify the recording because the credit card company sends the 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 around the world.
* Benefits of current widespread because the issuing bank has worked with some merchants to provide special discounts with credit cards.

Weaknesses:

*    You tend to spend more with credit cards so that a higher tendency of consumerism.
*   High interest rates. You have to pay high interest for the balance which has not been paid.

Tricks:

*    Save credit cards for payment by installment system. Do not get stuck to always rely on payment by credit card if you only can pay the loan by installments.
*   Do not buy their daily needs through credit cards because you'll be addicted and then get stuck with consumer debt. Pay cash for basic daily needs, and save your credit card at home.
*    Pay your bills before the due date to avoid interest.
*    Pay your bills for the amount of groceries. That is, do not indulge yourself by delaying payment of bills. If unable, then the self control to not only shopping with credit cards.

How to Secure Credit Card Transactions Online

Ease of shopping via the Internet is tempting, all you're looking for there, began to concert tickets, electronic items, to the puppet show. Remarkably, not infrequently are cheaper than in stores. However, when it reached the stage of payment, security issues become a source of reluctance for some people. Shop online from overseas generally require payment by credit card, unlike the Indonesia site that more use of bank transfer facility. The question is, how confident we are that this transaction is safe?

Providing credit card data and ourselves through the site it's like giving a blank check to people we do not know. It's not entirely wrong, but actually the credit card transactions both online and direct friction is equally at risk. Most importantly how do we precisely to avoid the irresponsible actions of others. The key is simple, take the time to learn. Here's some useful information for you when shopping in cyberspace.

1 ). Using a prepaid payment card. Shaped a special card with a number of specific value (vouchers) for payment of credit card replacement. How, live input card number on the online store site. This card is safe because the value is not too big and just generally disposable. The downside of this card but can not be widely accepted by all the sites is also the place of purchase cards only in certain places.
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2 ). Using third-party payments, such as Pay Pal, e-Gold, and others. First we register as a member of Pay Pal, then we put some funds into our account at Pay Pal. Of course with a credit card. Even with a credit card, secured a site like Pay Pal. Later if you want to pay to the online store site, simply by a transfer from our account at Pay Pal. Although for that seller's site also must have a Pay Pal account, but lately more and more web that accept payment through Pay Pal. Logically, we do not need to enter our credit card at all sites especially the new site is known, this certainly is more secure.
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3 ). Use an Internet browser with the latest security features. Some browsers come with the ability of encryption to scramble the data that we send to the server vendor sites. These technologies are often referred to as SSL (Secure Sockets Layer). The principle of data secured with a technology known as encryption. Encryption software scrambles the data with a special code that does not allow others to "peek" when it was sent. When the data arrived at the destination, the same software to restore data to its original form was random. One sign that we really are in a secure site is the web address begins with "https:// ....", sign" s "means secure (safe). In addition, at the bottom of the browser also looks a locked padlock icon. If there are no signs of it, chances are you are trading in sites that are not safe at all. That is, very likely your data "spy" as is.
4 ). Notice the logos of a site security certificate. Safety logo was issued by an independent company that has examined the security of a site. The logo indicates that the site had been declared safe. By clicking on the logo you will get detailed information about the site. This should be done to avoid false logos mounting attempts by irresponsible parties.
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5 ). Read the rules of privacy (privacy policy) contained in the online store site. This rule states what will happen with your data once stored in the database site. While ensuring that the site manager said he would not sell to other parties. As with security certificates, the site with the privacy rules that have examined the independent party can put the logo which means that the rules do not violate privacy laws and protect consumers.
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6 ). Only use one card for all online transactions. Although you have 10 credit cards, try only one that is often used online shopping. Quite simply, in addition to the possibility of another credit card "spy", also so you have time check out details online shopping credit card bills.
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7 ). Never send important data via e-mail. Very likely the e-mails from the fraudsters, as a general rule, the correct site will never ask you to send important data via e-mail.
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8 ). Save all evidence of your internet transactions in the form of a file. When you receive a bill, be sure to check that there are no transactions that you do not know.
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Apart from all that, now is the time to prove that Indonesia is still a lot of good and responsible for online transactions. Therefore, the image of Indonesia in terms of internet transactions slumped in the down position. Countless number of international sites that refuse the buyer from premises. The reason for this much of Indonesia online transactions using credit cards stolen. This accomplishment certainly did not deserve to be proud of.

CRIME OF LIABILITY CREDIT CARD ABUSE OTHERS

Today everyone wants everything that has to be a practical and economical, especially in terms of the transaction and payment system or one solution is to pay bills by credit card or by internet banking, which has provided many national banks and private banks in Indonesia.

The use of banking facilities such as a credit card cannot be separated from the function of banks in the economic field that serves as an intermediary financial institution, which means, on one side of the bank can do fund raising from the public, and on the other hand the bank can make the distribution of funds collected from society to society's its own. So the credit card is one of the cards issued by banks that its usefulness as a means of payment in places such as markets, supermarkets, hotels, restaurants, entertainment venues, and other places, the use of various types of credit cards due to several factors: for comfort, convenience, and practical elements for its users.

So when providing credit card facilities to their customers should be aiming for something better for the user's credit card, resulting in the element of trust from the bank that the customer can credit his performance or be able to repay the loan in accordance with the agreed time.

Credit cards ranked in the short-term credit that is currently in demand in the community because the interest charge is a light that is not more than 5% (five percent). As for the banks to provide short-term credit then that would minimize the risk faced by banks such as the breakdown of bill payments or bad credit.

Mechanism of acquisition of credit cards is not difficult because it requires an ID card and pays slips and fills out a form provided by the bank. After that bank lending to the feasibility analysis that includes surveys, then checked by doing a blacklist issued by Indonesian banks and other banks do crosscheck as another fellow credit card issuer that the applicant has only one credit card from credit card issuers. along with the use of credit cards is increasing from year to year does not rule out the possibility arose of credit card abuse others with a variety of modes that cause harm not only to banks but also for people who use the credit card itself, it can result in bad debts that can be interfere with the national banking system and weaken the Indonesian currency exchange rate against foreign currencies.

Of misuse of credit card crime that caused it will have a strategic value, in addition to the national crime. Misuse of credit cards are also cross-border or transnational crimes, because the credit cards issued in Indonesia can also be used outside the country as long as its use in place of payment that has the same logo with the logo of the credit card issuer. For example, an Indonesian citizen who went to Germany, where he used the MasterCard credit card to pay for the purchase and sale transactions on the EDC (Electronic Draft Capture) that the perpetrators afterward logo MasterCard credit card discard or not paying bills on his credit card so that the perpetrators of the act could harm Germany as currency in circulation cannot be returned properly and become bad debts. This has meant that credit card crime is cross country or Transnational.

By looking at the increasing crime in the criminal perpetrators of credit card consists of one person or class of people who have a high level of intelligence with the utilization of sophisticated technology. Therefore it is appropriate that such offenders sentenced to the maximum penalty as threatened by regulatory legislation in order commensurate with the crime that he did.

Credit Cards Crime and its association with Outsourcing

The rise of credit card crime that occurred in recent years, in ways that are very diverse, very worrying, especially for credit card holders,, must be vigilant and careful, some of the means used are:

1 ). Recognition of an ex-offender (often called carder) on the screen a few days ago is quite astonishing. The young man whose face was disguised grudge city was admitted several times managed to book a luxury goods ranging from laptops, digital cameras up to four-wheeled vehicles of various virtual stores in foreign countries without leaving dull screen in a cyber cafe located in a narrow alley. Only with a piece of paper containing several credit card numbers belonging to other results obtained from a person's acquaintances from the mailing list (mailing list), it performs the action. Furthermore, the current modus operandi he revealed that his work with actors including couriers and police officers to expedite the delivery process.

"According to Rommy Alkatiry (Deputy Head of Information Chamber of Commerce), misuse of credit cards owned by someone else on the internet is the largest cyber crime case relating to the world of Internet business in Indonesia. Misuse of credit cards owned by others is not complicated and can be done physically or on-line. The names and credit cards of others obtained in various places (restaurant, hotel, or any place of payment transactions by credit card) inserted in the application of the purchase of goods on the internet. "

2). Stealing data over the phone: that is, for example by calling someone and preaches that the use of the card limit has been reached.
The owner of the card is certainly surprised and complains. Well, the complaint is immediately struck by the caller by asking for card number and other data to be checked in the database, but it managed to trap a gift too often hook people to mention his credit card number.

3). the latest methods used in developed countries are to use surveillance devices to obtain credit card numbers of potential victims.

Source of this news (read more here) outside this context, one thing we need to look at is, outsourcing system that occurs in various banks, primarily for marketing credit cards.
Often there is a selection of recruitment for the sales force credit card, which contract to the Other Party * not * directly to the bank, well, if you have this outsourced employees unquestionable loyalty to the bank concerned,, Outsourcing should not only be used for work that is not a major job? Here I saw the need for banks to look back on these outsourced systems, are safe? "What if our data is not up to the bank? Or is there another copy of the data we are?? so scared,, Some tips that may be followed to avoid credit card scams are as follows:

Be careful with the card identification data (card number and expiry date)
For identifying the card can also be used as a means of verifying transactions remotely. Eg transactions via the Internet or telephone. To be careful with your card identification data do not fall into unsafe hands. Identity cards you can use by other parties if they known card number, expiration and PIN.
Be careful with personal data (date of birth and mother's maiden name)
This is usually done with a more sophisticated mode over the phone. If you contact the bank via telephone to transact, usually the bank will ask you some personal identity, such as date of birth and mother's maiden name, to ensure that the call they are persons entitled to the card used. This is a standard security measures to protect consumers. But beware if someone calls you and claims to be from the bank and ask for your personal identity. Remember, in this case, because they are calling, then you should prove that the call was a bank officer in charge, not vice versa. Recently developed mode of fraud where the perpetrator call the card holder and pose as bank officials then asked a number of personal data and identity cards. Do not give your data if you are called, would be better if you call them back to the official number on the card or official brochure, not the phone number suggested by the caller's dark.
Do not show cards to unauthorized persons.
Note your card during the transaction.
Do not give a copy of your credit card to anyone except the last 3 digits on the back signature panel of your card you have your cover or remove.
Do not throw away shopping receipts or invoices you are in intact condition, receipt and immediately destroy your bill if it is not necessary.
Avoid online transactions on websites that do not have a security certification.
Do not inform your credit card data to anyone.

Using Credit Cards On The Internet

Quite a lot of potential online traders in Indonesia are asking me, how to take care of online payments to be selling on the Internet. Many 3rd party payment gateway for credit card via the internet. But in Indonesia is still small, and most can not continue running. Examples www.commerce.net.id or www.cipas.com (Cipas actually a Malaysian company that is not wrong, but has offices in Indonesia). BII also used to provide these services. There are several others, but I myself do not know.
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So the selection of 3rd party would have to do with parties outside the country. Maybe you should look for already employed the same or trusted by Version example. Quote affairs a little trouble on this one. Another difficulty that may occur, you should already have an online application (shopping cart) which will then be connected to the system payments their gateways. So you have to work with your web maker, and give the object that is provided by 3rd party. (Oh yes, the merchant is not allowed to store credit card data you know). You should also use the services of a consultant making a good web. If using web maker of the 'origin', chances are you have a shopping cart even baseball adequate.
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Once your website with shopping carts finished, and then paste the object code provided the payment service provider, you can already selling to a world Antero. Done?

The risk of selling with Credit Card payments
Apparently not as easy as imagined. Credit card fraud levels are still high. You must be prepared to bear the loss if the buyer uses a credit card illegally. Payment service providers will not pay you if this happens. Simply put, you are to suffer the consequences if anything happens with this credit card. Fair? But this is the condition given by the payment service provider.
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This is the hardest part of the online merchant. If you only sell services such as hosting services, you may only decide your services. But if a product, where you have to have capital first?
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There are a few tips to avoid credit card fraud for those of you who have become an online merchant:
- Some countries in the world is in the 'black list' because there has been fraud, such as: Africa, Romania, Nigeria, Malaysia, Slovenia and Indonesia!. This means that if you hold a credit card Indonesia, do not expect your card to buy goods online can. So if you as a merchant doubt ... do not be sent.
- Buyers addressed in Thailand, for example, but using a credit card USA, it also should be suspected.
- Although already in the blacklist or baseball can order online, Carder (the term for illegal credit card users) Indonesia often outsmart the other way. They can call you, then ordering via phone / fax, and give their credit card data. This should also not be in disbelief. Even if they can prove it can deliver reports of credit card payments over the past 3 months. There is a good confirmation to the bank that provides credit cards, and asked banks to inform customers that there are transactions to you. If the bank then informed that the credit card is not used, then cancel it.
- And many other evil ways that I still do not know. If you know, please let me know too.
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VISA and MasterCard are working for online transactions on the Internet should use a pin number that can be changed by owners. Hopefully these steps can make eCommerce on the Internet a better and eliminate the bad image in the past. Unfortunately, the owner must be willing to bothered to register with the bank issuing the card. This reduces the chance of people to shop online. If possible, locate the Payment Gateway providers are already using this. Hopefully you will be protected as a merchant.

Credit Card Fraud Prevention

Globally, credit card fraud costs card issuers billions of dollars a year in the abuse
their cards. Some of this loss is passed back to the retailer who fails to comply with the method normal processing to the card. Another part of the insured losses. However, as
holder you are potentially responsible for the misuse of your credit card.
 Therefore, the important that you make yourself aware of what the current fraud scams and how you can help in fighting credit card fraud prevention. For this purpose, the following is,
1). several fraud prevention methods you can do  
 when using your card, do not once the card out of your view if you use the card into a machine-copy paper old carbon, carbon-copy store and then destroy it never use the card your credit on an unsecured site never use your credit card to withdraw money at an ATM addition to the above, make sure you use a certain technology advances with
Your credit card should also help in the prevention of credit card fraud. In this case, the following is currently popular with the card issuer:  
 2). Photo identification  
 Where your image will be displayed in front of the card
 3). Finger printing:  
Where facsimile finger print will be displayed on the back of your card.
 4). Chip and Pin system   
Where the card has an encrypted chip containing details about the card and PIN cards guarantee is a genuine problem. Basically, the chip contains the same information used must be contained in the magnetic strip behind the card, but in a chip format is believed to be more difficult to copy. Although each of the existing  system of credit card fraud very easy method prevention, with credit card fraud costs more and more every year, you can bet that issuers who will deal with this problem head-on: so stay aware of the latest credit card fraud prevention methods and help address this growing problem.

CREDIT CARD CRIME

Currently in the world of Credit card crime increasingly widespread and diverse, one type of computer crimes the most common and perhaps most popular in Indonesia is the misuse of credit cards, or better known as Carding.

Basically carding activities carried out by doing the most business transactions on-line buying and selling through the internet and then enter the payment type to the type of credit card and then when confirmed stuffing actors enter credit card information credit card information to others, so the bill will go into account the other. There are several ways to obtain one's credit card information, such as by capturing transaction information when someone makes a purchase on line, entered the retail sites that have not secured / security has not been good, but there is more humiliating is cooperating with officials at the places serve the credit card transaction, for example hotel, so when someone makes a payment by credit card, then the officer had noted that credit card information and gave it to the perpetrator.

According to sources in the Investor On Line, crime credit card abuse occurred thousands of cases in Indonesia, and in general each affected credit card holders between 5 to 25 million dollars, according to the same source the total losses suffered by holders of credit cards during 2003 amounting to 50-60 billion dollars.

As a result of the crime transnational, in turn, will bring a bad image for Indonesia, as a country "nest" of credit card crimes. In the end, the foreign community will be afraid to deal with credit cards in Indonesia, in turn, will become even worse, namely tourists afraid to come to Indonesia. If that happens, Indonesia as a country that in the future will rely on the potential of tourism as a source of income, of the most disadvantaged of the herd criminal act that way. More than that due to this evil poisoned the younger generation simply to earn a living through the moral consequences of credit card abuse the younger generation will be worse.

Credit card abuse, including crimes that are very difficult to overcome, because in Indonesia there is no law that specifically regulates the punishment of this crime, but to reduce and prevent it, the credit card holder can take action carefully as suggested by the Commerce Bank following:

Credit Card Application - Things You Need Be Aware Of

Then this is why you must do your due diligence if you need to apply for a credit card. Most often because the cards are been applied for and submitted over the internet, there is every likelihood that those cards wont reveal the cardholders terms which will leave you having a high bill. Therefore ensure you go through all the details before requesting for one. In recent times, applying for a credit card has been made a lot easier by banks with the requirement put at the minimal level that allows customers to have direct access to credit card ownership while taking advantage to charge higher interest rate than normal to make huge profits. credit card application!
Getting a credit card does come with a lot of benefits but there are also challenges that come with this newly found convenience.
Deciding to make all your purchases on the new card is quite okay, but you need to ensure that the balances could be paid up fully as at when due. Discipline is the key factor in ensuring that your card balance is not too high such that it will attract high interest payments at the end. bad credit card!
Ensuring that payments are made on time will surely reduce excess charges that are normally charged for late payments. Always make calls in advance through to the these companies if for one reason or the other your payment is delayed due to late arrival of the bills so that you will not be charged for late payment. credit card!
Penalty for late payment is normally an avenue for credit card companies to make excess money. so ensure this does not arise.
This short article will hopefully assist you in knowing what to watch out for when applying for your next credit card, always ensure you use it wisely!
Thanks for reading

Credit card

Credit cards were first introduced in the 1920's in the United States. At first people called as plastic money. Later plastic money or credit cards attract the attention of people around the world. Then in 1985, introduced a credit card with an exclusive holographic sophisticated. Holograms on credit cards are made with the visible laser beam three-dimensional shape. In addition, the credit card given other security features, including special codes in the magnetic lines form behind him to mark the invisible visible under ultraviolet light. There's also given a photo credit card owner. The goal is to avoid fraud and misuse of credit cards.

Although using credit cards more freely and easily, but to remember is to use a credit card just like you owe. When buying something, you do not need to spend money but enough to swipe a credit card. Purchase transactions are conducted within a period of one month accumulated a total of bills to pay. On a certain date each month to the maturity date is the date by which you paid the bill. Previously, invoices will be sent, which contains details of the transaction date, the total bill and the minimum amount to be paid.

A). Benefits of Credit Cards.
Credit cards will be very useful especially in times of emergency when we do not have the cash. For example, when I had to pay the hospital. Credit cards give up to one month for repayment. So if we do not have cash, we can still pay the hospital fees and credit card bills paid after receiving a salary or if we can have payments for some time.
By the time you have to transact online, one of the most popular payments is by credit card. Another benefit is when you have to go to a place that is not wise to carry cash.

You can also take advantage of promotions from credit cards to get discounts at a particular restaurant or while shopping at a particular place. If the purchase is an important and necessary course you will benefit from the discounts obtained. But this needs to be examined properly. If not, will make us be wasteful to buy things that do not need or dine at the restaurant for being attracted to the discount given.

B ). Dangers of Credit Cards
Because of its simplicity and no need to spend money when we buy something, often we are too busy to shop regardless of how much total money that was spent. In addition, because it does not use cash, making the total purchases do not seem large compared with the cash shop. We seem to still have a lot of money because of unused cash. However, if you do not pay in full the total bill is ready for danger awaits you. While you will be able to pay the minimum amount which is usually for 10% of the total bill. However, its shortcomings will be counted as a debt to be paid and interest is very large. As a result, total to be paid would be enormous and will continue to bloom, so the amount to be paid will become swollen. If you have not paid off for some time, the bank will bring abusive debt collectors who will force you to pay these arrears. Many credit card users end up having to sell his property to pay off debts that swelled due to credit card interest. Pelu known, that the interest rate most credit cards than other types of credit. Credit cards are also often used in fraud. Someone or some institution might fool you with a variety of ways to get your credit card number. Furthermore, they will make a purchase or making money with your credit card number that will be charged to you as the owner of a credit card.
C ). Wise Tips by Credit Card
Flexibility and variety of benefits offered by credit card partially offset by the danger of either temptation to buy and live beyond the capabilities. It is also the danger of abuse and credit card fraud. Given the danger behind the use of credit cards, then the wise what can you do?

D ). Do not have too many credit cards
Having many credit cards will cost you to pay annual dues and make you tempted to spend more. A maximum of 2 credit cards that must be possessed. If you have more than that, you should immediately close the other credit cards. Considerations in choosing a credit card which will be maintained including interest rate credit card, credit card limit and rewards offered by credit cards really useful for you. Budget funds for credit card. In preparing the budget, enter the maximum amount of funds that may be used by credit card.

E ). Noted that purchases by credit card
With a record will help you find out how much you should pay so that will help you 'brake' next purchase. These records can be matched with invoices to determine whether you actually made the purchase. Try to always pay the full bill This is useful so that you are not burdened by the enormous interest. Do not be tempted to just pay the minimum bill. If you already have a mortgage or credit card debt, prioritize earnestly to immediately pay off your debt by being more efficient. For example, by reducing the visiting cafes, shopping or eating out. If you are boarding or renting a home, consider whether you can move to somewhere a bit cheaper. Avoid using credit cards to withdraw cash Credit cards can be used to withdraw cash at an ATM, but it is not free. You must pay interest on cash withdrawal value even higher than the rate for purchases.

F). Beware of credit card fraud
Mode of credit card fraud increasingly diverse either by phone or Internet. So, keep careful not notify the credit card number, expiration date, or other information to strangers. Do not lend your credit card to someone else. Do not let your finances get worse with credit card debt. Use a credit card wisely so that your finances remain strong.

Credit Card Abuse Down 47 Percent

Illustration credit card. (source: JG Photo / Jurnasyanto Sukarno) The expansion of credit card getting out of control.

Bank Indonesia (BI) Credit card abuse noted in the January-September 2011 fell 47 percent over the same period last year.

The more uncontrolled expansion of credit cards be the trigger.

"Prevention is better this year than last year," BI spokesman Difi Johansyah in Jakarta, today.

He said the reduction in credit card misuse is also not separated from the modus operandi that increasingly detected.

Data reports Transactions Payment System, BI recorded in the period from January to September there are credit card fraud amounting to IDR. 23.8 billion with 12 265 cases.

This is down significantly compared to the same period of 2010 amounted to Rp 44.7 billion. Throughout the year 2010 was recorded due to credit card fraud amounting to IDR. 55.2 billion.

Difi said the fraud that often occurs is a stolen credit card. Modes including stealing a credit card when used directly or transaction. Until September, there were 19 banks that issue credit cards all over Indonesia.

Tips for Choosing a Credit Card Match Requirement

WAR interbank credit cards began to find its momentum. Banks aggressively offer credit card products with lots of charm in it. There is a free annual fee (annual fee) and not a few who flooded the prize if you are the more frequent use of credit cards. Also, high cash advance and ease of raising the loan ceiling as well as reward points. On the other hand, one choosing and using credit cards to the card holder will trap wells in debt. That you hold a credit card debt is not snared for life and being chased handyman receivable (debt collectors) are sometimes rude and embarrass you in front of work friends, the following tips on choosing a credit card and once using credit cards wisely. There are three important steps that must be observed in selecting and using credit cards. First, choose a credit card issuer of credible and ease in the can from the credit card. Second, select the type of credit cards, whether the type of silver, gold, or platinum. Third, the outlook on the credit card itself.
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IN selecting a bank issuer of credit cards, there are some things you should look. First, whether the credit card issuing bank is credible enough, for example, whether the bank had long been issuing credit cards. This involves administrative neatness of the transaction. In many cases, simply chase the target bank card holders so as to give ease excessive at first, but later it lost the day convenience. Choose the credit card issuing bank experienced. Secondly, if your credit card can be accepted in many places (merchant), including if you are abroad. Third, if interest rates are applied fairly competitive or lower.
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Interest rate factor becomes important when you include people who are not disciplined or often "forget" to pay the bills. In addition, the bank does not mean that wearing a zero interest rates is cheaper than the bank that gives interest rates, for example, three percent. Be careful, because the bank that sets interest rate is zero requires cardholders repay a fixed monthly, and if the sum is still greater when paying with a system of interest. For example, you buy a computer worth USD 6 million. If no interest, you will pay Rp 500,000 per month for a year. In fact, you pay the mortgage is greater than Rp 500,000 per month.
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Fourth, whether the annual fee imposed cheap or expensive. However, banks are not necessarily also freed in the first year annual fee will be cheaper in the second year, and beyond. Fifth, if the issuing bank provides the ease of paying. For example, if you want to pay the bills, whether you have come to the bank or via ATM. It also needs to be careful because every time you pay on any ATM charges. These payment rates are not uniform, there is Rp 8,000 per payment and there is Rp 10,000 per payment. Sixth, if your credit card has insurance? Choose the card that has insurance and discount card at a time.
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Step two is to select the type of card, whether silver, gold, or platinum. The three types of cards that contain the consequences of its own making in choosing the type of card you have to adjust to the capabilities of your pockets. If you are just classy silver bag with a loan ceiling of Rp 6 million, do not ever hold your gold card with a ceiling of Rp 20 million, especially holding the card that had a platinum type of loan ceiling of Rp 50 million.
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It concerns the potential vulnerabilities in debt. The key, if you have an income of Rp 6 million per month, as usual formula of debt, you do not have more mortgage debt by 30-40 percent per month or about USD 2.5 million up to Rp 3 million of the total of your income. Problems will arise if you still have to repay a car, house, or other items of debt. Then, from where your credit card debt? It could be that you will sacrifice consumption needs or you will be deeply in debt for the rest of your life.
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Furthermore, the third step is the attitude outlook on the credit card itself. Never shop with a credit card solely chase rewards points or prizes. However, according to the needs and abilities Spend your pocket. The key, if you are shopping with a credit card every month Rp 3 million, at the end of the month you have to pay Rp 3 million.
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The move will make you do not have to pay interest. However, if you only pay the minimum bill, the rest of your debt will be exposed to interest. If at the second and third month you only pay the minimum bill, though for the month you still use a credit card with additional debt, you include the people who will "debt hangover" because of your outstanding debt and interest expense increased even bigger. Basically, the credit card that is not as easy for the debt instrument, but must be treated as a tool to ease and security in the transaction. The basic attitude that should be underlie every credit card holder if it does not want his life debt held hostage and was visited by debt collectors.
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Many cases of credit card holders are trapped in debt bondage because looking at credit card debt as a convenience. In fact, the credit card as a means of cash transactions substitute for safe and easy.

Avoiding Credit Card Abuse

Having a credit card as a payment instrument provides many advantages for the holder. In addition to providing various benefits and facilities that benefit, credit cards provide a major convenience is that the holder does not need to carry large amounts of cash when they want to shop or travel.

As a means of payment, credit cards also have the risk to be abused by people who are not responsible. One form of abuse that often occurs is usually due to a known data about credit cards, such as credit card number and expiry date and PIN. To avoid known credit card data, then below are some things we need to consider:

1. Treat your card like cash.
Always store it in a safe and should never lend it to others even to close friends or family. Use only when absolutely necessary and then save it back as soon as the transaction is done. This is necessary because the credit card, listed a number and the cardholders full name and credit card expiry date. This information is generally used for credit card abuse.

2. Try to allow you to watch or watch on your credit card swipe / swipe.
Make sure the credit card is swiped only once per transaction and swiped at the EDC or the bow that was officially issued by the bank processors.

3. Do not throw away any credit card transaction slips and invoices without tearing it or destroy it first, because it also includes credit card information can also be misused.

4. Always monitor transaction conducted.
Check with your billing statements carefully, ensure that all transactions are transactions that are collectible are you doing. Promptly report to the credit card issuing bank if you find transactions that you did not do.

By doing some of these situations, you have to minimize the possibility of misuse of your credit card.

Tips for Using Credit Cards

Credit card itself was born with the beginning of 1951 in year Diners Club card. This card is as the name is intended as a card-payment credit used banquet in 27 restaurants in New York. Industry credit card issuing banks also continue to develop services to card holders. In general, the benefits for holders of credit cards are an advantage because of the supply of a product, the facility of loan repayment, and get cash for emergency conditions.

Now it has a "Credit Card" is a necessity, almost all the shopping you can pay with credit cards. Unlike the early days of rampant old had a credit card is a symbol of prestige for the owner with a wide range of credit cards in the wallet will further add to the "authority" the owner, although its function more as an ornamental purse alone. With a growing number of merchants that accept payment by credit card it will be more tempting to swipe the card holder for to satisfy their needs. No wonder people are less mature in use will be trapped into credit card debt in which he himself did not know what life would be paid. For card holders who have "broken" liquidity confusion then they later pay the mortgage debt and in desperate need of advice from financial consultants, do not be surprised if you read in the newspapers and many of the birth of the provider of financial consulting services for credit card customers with problems.

Before you get caught the problem of managing credit card bad it's good to think for tips on how to manage credit card :
Use your credit cards wisely

1 ) Pay bills to pay off the debt, because credit card interest rates are generally relatively expensive when compared to credit interest

2 ) Pay installments on time. By delaying your mortgage payments then it is likely that the money was originally intended to pay the mortgage debt could be used for other needs, too late if you pay by installments then the punishment is the application of interest.

3 ) If you can not pay the mortgage current, reduce the use of shopping for the next period.

4 ) Find another bank that provides balance transfer with a cheaper rate

Protect your credit card from crime

1 ) Immediately sign (activation) of credit card replacement / renewal and destroy old credit cards

2 ) Destroy your credit card receipt because this receipt some of contain confidential information associated with your card.

3 ) Never send your card number by fax, because you can not control the recipient's fax data.

4 ) Beware when you give your credit card number over the internet or telephone. Ensure that the system or the person receiving the information is reliable or safe.

5 ) Immediately call the call center if you feel suspicious

Review a history of use of your card

Nothing wrong with re-learn your history of your credit card. Occasionally there are transactions that you may be less confident that the transaction you are doing.

Get the right credit card and from a trusted publisher

1 ) Be alert to the card issuer that provides "the lure of" too sweet (too good to be true), for example, there is interest offer installment of the 'ordinary cheapness "usually valid only for a moment only, then you must prepare smoked.

2 ) Find a publisher that does not charge an annual. Who knows there is still a publishing company that kindly does not burden the annual fee to their customers

3 ) Read back option benefits from your credit card, can be in the form of reward points, good health or car insurance, frequent flyer facilities.

Many credit card issuers who offer their products but it is not going to benefit you earn even a lot of problems that may arise after you become a client. If we read in national newspapers have a lot of our society who become victims of credit card mismanagement or so later be hunted debt collector, when it's so who's going to helped?