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Credit cards have many facilities associated with the payment process. If the facilities provided by the bank can not you use it correctly, there you have it useless.

If you are a user’s credit and debit cards you should read the facility and utilize the facilities provided by the provider of credit and debit cards are maximal and optimal. if we can not use it to its maximum, salah2 we actually harmed by the use of our credit card.

For example, some people use credit cards exclusively to pay expenses. They consider this method more secure. Through some banks, they can collect cash back or points incentive. However, this strategy requires precision and intelligence in using it so that the debt can be repaid in full or in full at the end of the month. If not, your debt will only grow.

If you use a credit card, you can only shop according to the remaining balance on your account. In fact, you should leave a few dollars after deducting the balance of the purchase. If the balance is not sufficient, you can not shop. This means you can only shop according to ability.

So you can take advantage of the facilities offered as much as possible and avoid the costs that you do not need, consider when you should use a debit card and when to use a credit card.

Use a debit card
Buying something that is not expensive or can be consumed.
You run out of milk for children and a few other household necessities. Instead of wasting time, you stop by the mini home from the office. However, you’re not carrying cash. Well, use your debit card since some mini usually apply a minimum purchase value is not so high. Do not use credit cards for purchases that are not too much or for goods that are consumed because you will pay more when you are late paying.

Need cash fast
If you suddenly need cash, use your debit card. For BCA debit card holders, for example, you might as well take the cash in the cashier when you pay for your groceries at the mini market. Intake of such cash generally will not be charged extra, either by banks or by the merchant. The amount of cash withdrawal is determined by the availability of funds the merchant, but generally the average limit of Rp 500,000. Compare this with if you make cash withdrawals using credit cards. For Citibank credit card (all types of cards), for example, you will be charged interest at 4 percent of the amount taken.

Use a credit card
Online Shopping
Either buy an airplane ticket or shopping at Amazon.com, you will be asked to pay via credit card. This is reasonable because credit cards offer greater protection in case of fraud (fraud or embezzlement).

Buying something expensive
Some credit cards offer extra warranty protection over the manufacturing of the products you buy. In addition, several bank credit card providers are often also works with merchants for promotional programs, such as buying fitness equipment with a special price. There is also an additional incentive program or reward accumulation that can be exchanged with certain gifts.

Proving Credit History
You need to prove credit history when you start using credit cards and stop using it. Do this by buying an item with a credit card, and paid at the end of the month, or by paying the minimum payment. If records are good, you have the opportunity to increase credit card limit or qualify to use the Platinum card from another bank.

Put promotion on some sites, start with a free site first, you can create a free blog at Blogspot, WordPress or Multiply. Post a topic you have product research in the previous step. Provide product descriptions, pictures, and prices of products if any, is also an email contact address and phone number to call.

You also can do some promotion free site that has a range not too far with your target market. These sites are sites that have a very high traffic, so hopefully if you do a test there, then your product will be quickly known and well known by visitors to the site and by search engines according to the keywords that your target product.

I have the experience while trying to test the product to market telecommunications products, namely by putting them online promotion. I then create a free website there by including some of the products complete with product name, product description and picture, I also enter a keyword research on information products that can be quickly recognized my website google search engine, and also I put the contact address of both the number HP, email, Messenger, SMS, etc., just what my contact address can be contacted.

As a result, less than a week after a pair of websites, many have contacted me via email, IM, HP, to ask about the products I install, from the asking price to product specifications, but I do not have a stock of goods at the time.

From the results of such testing proved that the telecommunications product that I promote has its market on the internet and can I sell through the internet (online sales). So step researching and testing products are the most important part before you jump in the next step is to make website sales or build an online store, from research and test results are you can find out what products are much sought after internet, so then you can start provide a stock of goods in accordance with the needs and market demand alone.