LIFESTYLE - You who already have a credit card or are planning to have a credit card, remember this one thing: you have to build credit reputation. For smooth or not you pay your bills, will be recorded in the system called BI Checking.
It is a system of recording payments made by Bank Indonesia to help banks determine credit seekers prospective customer profiles.
In BI Checking, will be recorded whether or not you will be delinquent credit for a long time, in possession of the credit, or have a current bill payment.
Do not let your reputation will be recorded with red ink because you are delinquent credit card bill so it is hard to get your next credit facility from the bank.
So how to build credit reputation in the BI Checking? This is how:
Use a credit card
Credit cards serve as a substitute for cash and as a means of payment to facilitate transactions. If you have never used a credit card, of course no data is recorded in Debtor Information System (SID) Bank Indonesia about your transactions.
Try using a credit card for payment of goods or services such large bernominal pay air tickets and hotels, buy electronics, and the like.
After that immediately pay off the bill before the due date so that the historical data of your transaction will be recorded in the SID Bank Indonesia, and your credit reputation is also slowly taking shape.
Do not overdue bill
In assessing the credit quality of customers, the bank will look at the history of credit kolektabilitas customers. Kolektabilitas customer credit status is divided into five, namely: Current, Special Mention, Substandard, Doubtful, and Loss.
Customers who always pay credit card bills and interest in the discipline to get the highest score is 1 or Current. The longer delinquent clients (generally above 360 days), the lower the scores kolektabilitasnya (close to 5 or jam).
Specifically for users of credit cards, try to pay the bills by at least 10 percent of the total monthly bills that have been defined.
But if you can pay off these bills would be much better, because any delay will be charged interest is quite high. Similarly, the installment loan, always try to pay on time.
Take breaks when credit is denied
When your number of rejections when applying for a credit card or a variety of loans, stop a few months, before asking again.
Like being a test, you repeatedly follow a similar test without increasing abilities. As a result, took the test many times probably did not help, because you need to do is relearn.
Similarly, when applying for a loan, you need to look back at what went wrong. Maybe you apply for credit exceeds the limit of the credit balance of 30 percent of revenues, or you have yet another installment.
During the pause time, focus pay off debts that existed before taking the new debt. Then, ask a petition on credit cards low berlimit first.
This can help to increase the score, and provide a positive indication to the bank that you are a trustworthy debtor.
Report If There Incompatibility Charges
It often happens, the bank stated customers are late paying credit card bills so she charged interest. When in fact, paying bills on time, but records in a bank that does not comply.
If you pay the bill on the final day in the allotted time but the new system to record the next day, report on the bank on the system error. Typically these systems error occurs when you pay on the weekend.
Perhaps the bill amount is not much, but delays in payment information will be recorded in the SID. As a customer, you are entitled to penjalasan on information that is not appropriate. If the bank refuses to give explanations and to process your request, you can submit to the aspirations of the Financial Services Authority (FSA) in 1,500,655.
So if you just have a credit card or other loan, make sure you become a debtor's good for banks. Build your credit reputation so that you can reach from the bank loan facility for your various needs.
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