The use of credit cards will require a strong commitment and also a high discipline, it is related to the pattern of life and also the way we manage finances. When a person does not have good control over the use of a credit card, then it can be ascertained if someday the person will get into debt and have financial difficulties. Here are some points that can be applied in using free credit card effectively:
Limit the Amount
Currently there are many types of credit cards offered by the bank, but of course you will not need all types of cards is not it? Use only one or a maximum of two credit cards, so be sure to recognize your credit card requirements first, so you can find the type of card that is most appropriate for you to use.
Do not use anything that is not beneficial to the maximum, this is also true in credit cards. Using a credit card is meant to simplify and also benefit, so make sure you get both of those from the credit card you use.
Avoid Cash Withdrawal
Credit card is not an ATM card, so you should not use it in ATM machine, meaning do not use for cash withdrawal transaction. This will incur a certain amount of charges in your bill, for every cash withdrawal transaction you will be charged 5% or at least $ 5. Huge amount, isn’t it?
Not only cash withdrawal fees, you will also be charged interest amounting to approximately 3.8% -5 %% of the amount of funds you withdraw from your credit card. Some of these interest will be applied immediately when the cash withdrawal transaction is done, because the bank implements a daily interest rate system on cash withdrawal transactions, in contrast to the interest on the shopping transaction.
Join the event of iPhone giveaway online and you can have a chance to win the new series of iPhone. At least that what published by several websites such as: winiphonegiveaway.com. The event is indeed will help you to win the chance, but then could you imagine how much is your chance from all of the participants? Since the event is held online, mostly it will be held in free, which will add the number of participants. Especially if the event rules asked you to share and promote this event to your friends, then the competition will be extra tight.
Wonder that the prize from iPhone giveaway online usually is single brand new iPhone. Those who read the advertisement will likely join the event. Well, logically, most people lived free items even though its actually based on their luck and not everyone can get the chance. Therefore, before joining such event, it is recommended to do some analysis first. You can consider how much the participant will be from the event difficulty. In example, if you join a giveaway event and it required you to answer many question correctly, then you can get around 10-25% chance to win. Especially if the question is a bit challenging. Not all of people willing to search the correct answer, and some of them had already give up after seeing the quiz type. Therefore, you should use your effort to search the best answer to win the prize.
However, it will be different if the event is held easily. Many people will likely participate it, which will decrease your chance to win. Especially if you can only join the event once. However, you can still do some tricks like following the same event again, but using the name of your family member. You can write the name of your father, mother and even grandma, and those who lived in the same address with you. It is not suggested to create such names, because usually, the iPhone giveaway event will check the ID card to prevent from the fraud participant.