How To Use Credit Card Wisely And Seek To Gain The Most Its Benefits

Do you hold any credit card ? If yes, how you use and find its advantage wisely once you take off from wallet. At the old day, we usually carry cash to go for shopping in fresh market, gas station, hyper mart and
more places. Today credit card has great deal influence in all most section of services and business. Many banks and non-banks have launched many credit cards to promote for their customers.

Credit cards categories are:
  1. Cash back / Rebate
  2. Discount 3-8% for fill up car's gasoline
  3. Discount up to 58% for dining at the restaurant partnership
  4. Accumulate for flyer miles
  5. Reward any program in particular period of time
  6. Save for using fitness club
  7. Car miles check in lower price
  8. And more
Use your credit cards wisely. Never use for withdraw cash. You know withdraw advance cash from credit card, the use fee is 3% of your withdraw amount. That's very high expense according to my opinion. Not just only 3% fee but also credit card providers will charge immediately for the interest rate 20-28% of withdraw amount upon you do an advance cash withdrawal.

Use it only for receiving any services from shop, restaurant, gas station, shopping online, insurance, hotel, trip, and/or other services from the participant with credit card issuer banks [Non-banks]. Then 45 days of the free interest after upon credit card using that is a great deal for card holders. Once the outstanding balance has been billed, you ought to pay in the full amount balance amount due to avoid the pending paying interest. on the unexpected expenses or on items that you eventually decide to return.

Of course, using as I have mentioned above, we will gain the benefit fully from credit card privileges.
  • Firstly, buy and/or receive service prior payment for 45 day.
  • Secondly, very convenient for carrying credit card.
  • Thirdly, receive the accumulated points/rewards from the credit card issuer, which can be exchanged to any items from the card's promotion in each particular period.
Generally, credit cards provides 45 days of free for cash for the card holder using card for any purpose with the lender's partnerships in case using card after the 'Cut off date' one day later. The float will be varied everyday upon the day of your card using. The float offered by most credit cards is the grace period you have to avoid interest on a purchase if there is no balance on your card at the time of purchase.

Thus, to hold at least the two credit cards with the difference of 'Cutoff Date' will more benefit refer to the table below;

Card Name Cutoff Date Payment Due Date Wisely Use Period No cash/Interest Charge Period
A bank
29th(Current month)
 13th(Next month)
30th-12th
 30th(Current month)-13th(Next month)
B bank
9th(Current month)
 24th(Next month)
10th-30th
 10th(Current month)-24th(Next month)

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