Monday, February 8, 2010


An interesting credit card.

An interesting credit card.


In the current life credit card is considered the financial needs. It provides ease of portability. We do not have a very close-fitting cash. A single credit card can buy easily. Moreover, when foreign is no time to exchange money. Apart from the need to commission payment in exchange. If money back home to exchange would not be required to change back to the baht is charged. Commission another one. Today, you can sign up credit card issuers require a credit card, however, have cautioned the following.

1. Credit card should only need watch. Because if we are to withdraw money or buy goods or services signed many other means that we owe much that after months will have to pay back more. If not paid will be refunded all interest collected up to 18.5% per year, some credit cards issued by non-banks. (Ie credit card Non Bank) may be cover charge. And interest combined as high as 54% a year, so the credit is to facilitate the purchase. But not a card that will create a debt to many of us.


2. I have a credit card. Bank of Bangkok and then I open treasure. End of the month is enough for him to cut money from the account no. Each month I will make even signed the card does not have to pay interest. Are easy and economical. I do not like to pay a debt interest or anyone.

3. People should have a single credit card. If it is not necessary any more than 2 cards to have multiple application card to make money extravagantly wasteful costs and more debt. Do not sign a card to card to repay another one leaves.

4. Should select a credit card issued by the bank because we pay lower interest card issued by the Non Bank may charge interest of up to 50% higher per year.

5. If your children will ask for additional cards is the only person growing up to age 20 years and limit it as much as 50,000 baht when children do not graduate and work with their own income is then. They should cancel the additional card. By providing balls to ask for their credit card. Following will help teach children to have financial discipline. Know how to value and savings.

6. You must remember that if a debt. Credit card and not pay very punctual. In addition, interest will be charged and expensive. May enter the name of the blacklist data center credit (Credit Bureau) which restore your credit standing or other hard currency for acquisitions, such as borrow money to buy a home or providing capital to the business. You will be inadequate to finance the system.


7. Parents teach children to be zealous. Honest and thrifty know what should be paid should not pay anything. For working with children's own income. Savings need to be taken into use in emergency. And in times of a difficult position. People no one knows the future, we will do. Should be careful in financial matters. Moreover. Parents must teach children to keep more regular stop learning. Have good English. Our contemporary world is to develop very quickly. Each year new graduates earned hundreds of thousands people, so future generations will be generations before competition makes money more difficult. If not keep stop learning more and not fight later children. Teaching children to work from small. Complementing knowledge creation discipline makes children aware of the obligation. Children should help the home paltry first time and then work on growing that the more skilled. And sent with other interns. To know that some difficulties were employed. How the real world.

From: Office of Accounting.

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