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5 Criteria that You Need to Check Before Applying for Credit Card

Jun 16, 2020
3 Minutes

A credit card has become one of the most popular payment methods. It is not only very easy to use, but a credit card also offers various attractive promotions. For those who already have a fixed income and are trying to apply for a credit card, you need to check for these 5 criteria before finally deciding on one credit card.

Consider the Interest Rate
Before choosing one credit card, you need to consider the interest rate that is offered by the bank, especially if you are planning to use the credit card to pay installments. A high-interest rate will only make your expenses get bigger each month, even worse when you have purchased an expensive product using the credit card. Choose one credit card that offers 0% installment interest in several merchants. Therefore, your monthly expenses will still be manageable, though you need to be careful and make sure that your spendings still suit your financial ability.

Credibility and Safety of the Bank
Spend some time to dig deeper, find information about the credibility and safety of the bank that provided the credit card. Choose a credit card from a trusted bank, with minimal complaints, and no problems with the regulators. The safety aspect of the credit card should be highly considered as well. Like the transaction process, for example. Will the bank send a mobile notification after each transaction, be it a text message or e-mail? By knowing this, you can be assured that you are immediately notified if there is any suspicious credit card activity.

Check the Customer Support
Credit card issues can happen to anyone, anytime, and anywhere. Perhaps you lose your credit card, or you forgot to pay the credit card bills. That’s why you need to check if the credit card provider has an accessible customer support service. 

A credit card that has a 24-hour customer support service is the best choice for you. Next, you have to pick a credit card that has responsive customer support that can be contacted wherever you are. Several communication methods, such as live chat, hotline, and e-mail, will greatly help you should you encounter serious issues regarding your credit card.

Discounts and Promotions
Discount or cashback is one of the main attractions of credit cards, so you must pick the right credit card that suits your spending habits. For customers who like to do retail shopping, pick a credit card that cooperates with numerous retail companies in Indonesia. Meanwhile, you can choose a credit card that offers various discounts and promotions in your favorite restaurants, should you are one to indulge in good food. Now, you can optimize your spending and minimize the costs!

See the Reward that You Can Get
The best credit card is the one that has a great reward program. This credit card reward is usually in the form of points, which can be used to enjoy cashback, discounts, lounge access in airports, and many more. You can get more benefits by simply collecting these rewards. But how? The more you spend, the more rewards you can get. These rewards can be used for yourself or your loved ones.

To ease your confusion, just use PermataKartuKredit. All of the banking products within PermataKartuKredit have all these 5 criteria. From affordable interest rate, credible and secured bank, great customer support service, to numerous discounts, and reward programs that you can enjoy. Whatever the needs, PermataBank has the perfect card!

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