Housewives Can Shop Efficiently Using the Right Credit CardUncategorized
Housewives can shop more economically if using the right credit card and the right way. This time Edwin Droad will discuss a credit card that is suitable for housewives.
Save More with a “Like This” Credit Card
Housewives in big cities are naturally familiar with credit cards. Now there are more than 30 credit cards. Each of these cards has its own advantages. This time Edwin Droad will discuss a credit card that is suitable for housewives.
Household expenditure is a mandatory and outgoing expenditure every month. You certainly already have a budget or budget for household expenditure, right? Usually mothers deal with monthly shopping by shopping during promo times (for example every Monday and Thursday at 10% discount) and compare the price catalog in several supermarkets. In addition to these two solutions, housewives can actually also use credit card promos.
We try to do research, regarding credit cards on our partner website.From the results of the research it can be concluded that some credit cards can save monthly spending. In this article we will not discuss products one by one, but only explain the features of the credit card.
Benefits offered by various types of credit cards, which can help save monthly spending:
- Up to 10% discount on all products, private labels and promotional products in supermarkets that have collaborated with credit card issuing banks. Usually this promo does not apply to baby milk under 1 year, bulk eggs, cigarettes, gadgets and telephone credit.
- There are cash backs of up to 3.5% of total shopping in supermarkets that have worked with credit card issuing banks.
- Get extra 3x reward points. You can exchange these points for discounts when shopping at other merchants or stores. Example You can use reward points, for discounted prices at cafes or in cosmetics stores.
- There are also credit cards that provide direct prizes, for example, cooking oil, instant noodles, sugar if the transaction is more than a certain nominal (usually Rp. 500,000) in one receipt.
There are several credit cards that provide the benefits above, as well as additional benefits:
- Is the first credit card. So if you are a housewife who does not have a credit card, you can easily get it.
- Cash back for watching movies.
- Cashback for filling in vehicle fuel.
- Free annual fee.
Bonus: How to Use a Credit Card for Shopping Monthly
In addition to choosing a credit card that is right for your primary needs, housewives also need to know how to use or credit card rules:
- It’s called a credit card, but its function is not for credit. So pay 100% monthly bills. Don’t have debt. Don’t pay minimum.
- Never be late in paying credit card bills.
- For beginners, limit the number of credit card limits according to the monthly expenditure budget. Example of Rini’s monthly shopping every month is Rp. 2,500,000, the most suitable credit card limit is Rp. 3,000,000.
- Use a credit card for monthly shopping, preferably only for monthly family expenses. If you want to repay electronic or other products, we recommend separating with a credit card for shopping.
- Discounts do not mean you can buy more items. Buy items according to your needs. Example of a total monthly expenditure before there is a credit card of Rp 2,500,000 per month. After there are credit cards and discounts, the total monthly expenditure becomes Rp 2,350,000. So there is a savings of Rp 150,000. You should use this saver for social donations, increase your savings and investments. Remember there are still fees for college kids later, your and your husband’s retirement and other expenses.
Hopefully you and other housewives can use a credit card and get the benefits offered. Good luck.