It is not a strange thing to use a credit card for shopping. Especially those who are living in urban areas. It is undeniable, for most of the shopping centers are providing EDC machines that are helpful for the cashless people. The same thing goes on e-commerce sites that most of these sites included credit cards in their payment option. The customers even offered discounts by using credit cards. That is why it becomes a common matter for the bills will add up by the end of the month. It is obviously caused by a careless habit in using credit cards. So here are four smart ways for you to use a credit card for shopping.
Use reward points
It is often founded that the credit card providers will reward the customers by giving them points that can be used for shopping later. Which means it is possible for you to get more benefit by using the reward point while shopping. It can be discounts, free items, free access to tourist attractions, and more.
The more you use the credit cards, the greater the chance to get more points. If you already have a lot of points then try to use it to fulfill some monthly needs. So you don’t need to add more bills on your credit card by the end of the month.
Don't be wasteful
There are many people who are lured and being too comfortable with the convenience of a credit card. Because people can pay by the end of the months then they tend to use the credit card to purchase unnecessary items. It happens a lot when you are visiting a shop or supermarket where you end up buying things that you don’t even need.
Before you go shopping you better make a list of the items you need to purchase. This list will help you in focusing only to get the items listed. Learn the difference between needs and wants, then try to prioritize the needs first. You need to make wise decisions when you are standing in front of the product's shelf. Remind yourself not to take items that are not listed in your basket.
Check thoroughly
There’s one another reason why people are so interested in using a credit card. It is because of the promos that are almost offered every month. Ensure yourself to check the promos regularly. If it’s really needed then don’t feel hesitate to ask the customer service of your bank through a phone call or social media. Take advantage of the promos as much as possible to save on your expenses.
You will often find the promos in discount offers or cash back. When you are checking the promos you need to pay close attention to the validity period and the terms and conditions. Do not put yourself in a condition where you are not able to purchase things just because you apply the wrong promo or read the terms wrong.
Hundreds of Shopalogic Promos from PermataKartuKredit
If you are a PermataKartuKredit user of any type of it, then you can take advantage of hundreds of Shopalogic promos. There are cashback, discounts, buy 1 get 1, free product, and many more advantages. The participating merchants came from various categories such as e-commerce, shopping stores, restaurants, beauty and health products, housing, travel, hobbies, and even gadget. Click here to find out more promos you can get.
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