Credit cards can be a solution for transactions and managing cash flow. When used, credit cards also offer various benefits and other features to facilitate transactions.
Come on, find out the advantages you can get so you can be wiser is using credit cards.
Reasons Why Young People Need to Have a Credit Card
For those who don’t have a credit card yet, here are number of reasons to consider owning one.
1. Ease of Transactions
Credit cards can be used for a wide range of transactions, both offline and online, at partner merchants. These transactions can range from purchasing physical goods, paying for or subscribing to digital products to paying regular monthly bills.
Additionally, contactless credit cards offer the convenience of PIN - free transactions for certain amounts. Simply tap the EDC machine to complete the transaction.
2.Can be used for overseas transactions
One of the essential things to do when travelling abroad is to exchange Rupiah for the currency of your destination country. However, with a credit card, you can make transactions at partnering international merchants without the need for currency exchange.
Additionally, credit cards can be used to withdraw cash at partner ATMs abroad, typically those with the same logo as the card, such as Cirrus, Maestro, Mastercard, Visa, and others. So, you don't have to worry about needing cash while abroad.
3. Get various promos and rewards
One advantage credit card holders enjoy is the opportunity to access more promotions. These promotions are available for both online and offline transactions. For various BCA Credit Card promotions, see here.
Additionally, transactions using a credit card can also earn rewards or points! One such reward is BCA Rewards, which can be used as payment for credit card transactions or exchanged for points at partner merchants, such as airline miles and other reward points.
4. Can be used for emergency needs
When there's an urgent need, such as a broken gadget, a vehicle that needs servicing, or medical bills, a credit card can be a convenient cashless payment solution. Furthermore, credit cards can also be used to withdraw cash from ATMs if you urgently need to pay with cash.
5. Payment by Installments
Credit cards also offer installment payments. Installment payments can be made directly at a partner merchant during the transaction, or convert to installment payments after the transaction has been completed.
Credit cards offer installment plans with interest rates starting at 0% and terms up to 36 months. This allows large transactions to be paid off in installments, making it easier to manage monthly expenses.
These are the various benefits credit card holders can enjoy. If you don’t have one yet, apply for a BCA Credit Card online!