Although there are not many credit card users in Indonesia, the existence of plastic cards is often considered important because it can make it easier for you to shop and get promos when shopping. Unfortunately, using an improper credit card can get you into trouble. Therefore, many people think that it is better to live without a credit card. But are these assumptions correct?
Life without a Credit Card in Indonesia = Possible!
In Indonesia alone, the use of credit cards has not boomed. Until now there were not many factors that really required someone to have a credit card. Many think that there are many shortcomings if you live without a credit card, but here are some factors that you can consider to start living without a credit card:
1. Can Still Get Discounted Prices Even though Not with a Credit Card
Not having a credit card can indeed make you lose the opportunity to get a reward when transacting. Rewards are one of the additional benefits that you can get from your credit card. Some people take advantage of these benefits and redeem rewards for getting discounts or other benefits.
However, if you live without a credit card there are other options that you can use to get a promo or discount. You can use various non-cash cards for electronic money such as Flazz BCA, e-Money, BNI TapCash, BRIZZI, and TCASH (Telkomsel Cash). This electronic payment media can also give you lots of promotions that can be utilized. Example comparison is like this:
On BCA credit cards, you can join the PAY 1 FOR 2 program for every cinema ticket purchase in XXI. If you don’t have a credit card at all, you can still watch frugally in XXI, that is by using TCASH every Monday by paying only IDR 25,000 for every ticket to the XXI cinema.
How? Can still enjoy a promotion without a credit card, right? The key is that you often have to find out what promotions you can get. Don’t forget to subscribe to the newsletter from the non-cash card you are using, so you can find out about the latest promotions. (Also Read: The Right Way to Get Low Prices for the Same Goods)
2. Still Can Trade Online Only with a Debit Card
Now online shopping has become a common thing to do. Online shopping makes it easy for you to buy things without having to go and also provide everything you need. To get more choices of goods, you can shop on international sites like Amazon, eBay, or book Agoda rooms and various other international sites. Unfortunately, to shop on sites like this you need a credit card in order to make payments.
No need to worry, you can still shop at various international sites even if you don’t have a credit card. You can use a debit card to shop online. Note that not all debit cards can be used when making payments. Make sure your debit card has a VISA or MasterCard logo. Usually a debit card like this also has a CVV that can be used for shopping as if it were a credit card.
If the debit card you have is still not usable. You can still use the payment gateway with DOKU Wallet, iPaymu or Firstpay. Many payment options can help you pay online transactions. So, don’t worry, huh!
3. Still Can Apply for a KPR and KKB
In contrast to developed countries, in Indonesia own credit card ownership is not a mandatory thing. You won’t have a problem at all if you want to apply for another type of loan even if you don’t have a credit card. In countries like the United States, credit cards are an important item to have to apply for loans such as mortgages or KKB, but it is different in Indonesia where credit cards can be replaced with many other options.