Credit card used to be a benefit, but no penalty?

I see personal credit card somewhat useful. Under the terms of that. * * Not more than option.


I have all 8 credit cards but never pay interest. Never pay yearly. Never pay any fees. Exceeds the product I buy.

Find out the benefits of credit card write my thoughts.

1. Is a credit card channel borrowing without interest within 45 hours (varies depending on card) if your personal business. Credit card can help you reduce the Working Capital or cash that you need to have a ton of business.

For example, a friend I made a small restaurant. Cost of raw materials per month, about one billion baht a simple translation that you should have a cash flow as Do five billion baht in hand. If the purchase of two times per month. To pay for raw materials before currency from the sale.

Purchase materials with your credit card will not have money in hand here. When money is to sell shares to pay part of raw materials.

Many cards you have to pay for your share of the purchase price without interest is high time 3-4 months.



2. From competition, relatively high for each credit card you. Just make your application. Your gift will be approximately 500 - 1000 Baht software way without doing anything.



3. Each card you have discounts for many different places, from retail food cinema hospitals and other oil you use in everyday life.



4. The tax paying public through the Internet and buy through credit card. Increase convenience and reduce costs. Travel and fee payment.



5. The points to select the most gifts will be compared with 3-5% of sales outside you spend enough. You have discount is added.



6. Without any charge. To use a credit card. Whether your card is how much annual fee. If you are spending level. Can always call to dismiss.


In summary, if you use a credit card payment through approximately 20,000 baht per month, you will gain from the use of at least about 1,500 baht.

Is important only is. Do not use more than you have. And pay the full balance. Provide timely every month.

I think credit cards are useful tools. And no sin. As long as you can control the spending of revenue to the extent that many issues you mention, I think of the money without more effective management.

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Regret that each Moore along with boss and colleagues.

Many people pay to spend time with problems crowded. Both problems lead. Problem colleagues. Some people have a problem with another satellite. Any time of day with the thinking brain to another problem. When an employee, we tend to think of problems as people clash with a big problem. No more time with it. Strain on it often. Almost no time to develop or improve or develop their all. Then forget that no one actually work with us to our own life and it does not work with people we do not like the life as well. But then do not think this. Only think that today we will have problems with each other about anything. Think about yesterday, how did it happen to people who break why he is a person that. Finally, we will be stuck with a problem that some people had to flee from one another then. Old people are missing the problem. .. But new problems have occurred.

If go back to time. Thought the problem would be that people like car collision on a road problem that we do not need to pay attention to much. But we should be interested that the path we are walking distance or not is another. We have a long time remaining or not. To think that no one working with us to our own life and it does not work with someone for life as well. And if we think that other people have not been a problem. We would step up to the position of the higher impossible. Higher because more people more problems and more complex.

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