In the era that money is hard to earn and the pandemic is spreading that one feels paranoid to touch cash, cashless methods of payment such as QR code or credit cards are being used more widely. For anyone who wants to apply for a credit card, but is still worried if it will result in tremendous debt like what others said, to be honest, if the user does not overspend, a credit card will become an essential item with lots of benefits.
 

Let us see how to use a credit card to manage our spending and make our life better.

Use to control monthly expenses

By using a credit card to settle the payment, regardless of the amount spent, the paid amount will be recorded in the system and every month, the bank will send the summary of our spending to us. Thus, it is very suitable to use the credit card on regular spending that we have to settle every month like utility bills or telephone bills to keep us informed on the approximate amount we spend per month. If any month has unusually high spending, we can check on what we did spend on, how much it did cost and we can be notified to be more careful on spending in the following months.

For anyone who already has SCB EASY Application, you do not need to wait for the monthly account summary from the bank because you can add your credit card information into the application to check the payment summary yourself any time. Is it not convenient?

Use to increase convenience and decrease worries

For those who are worried about forgetting to pay bills or need to be notified to make a payment, we can now rest assure by register for the service to automatically deduct the payment amount through a credit card. This helps to reduce various problems like forgetting to pay or bills do not come in time. The registration can be done in many ways depending on the type of bill. For example, the service can be registered through the bank call center or through service providers that we have to make payments every month.

For those who are worried about forgetting to pay bills or need to be notified to make a payment, we can now rest assure by register for the service to automatically deduct the payment amount through a credit card. This helps to reduce various problems like forgetting to pay or bills do not come in time. The registration can be done in many ways depending on the type of bill. For example, the service can be registered through the bank call center or through service providers that we have to make payments every month.

And for those who lost their credit card or detect unusual spending on their record, worry not because we can temporarily deactivate the card through many platforms like deactivate credit cards by users themselves through SCB EASY APP or contact the bank call center to temporarily deactivate the card as well.

Use to save money

One of the benefits of a credit card is that it always offers many promotions to save money with special offers, cashback, or 0% installment. Apart from promotions, there are points earned from spending using the credit card that can be redeemed for discounts or rewards for free. These special deals are the charms of credit card that whoever gets to use will be enchanted by it.

Use to settle bills –forget about rounding off the decimal points

Product or service charges, sometimes, come with the amount that is in decimal points and it is impossible to pay the exact amount by cash. For example, the total amount is 1 999.88 baht. If one wants to pay by cash, they will have to pay 2 000 baht. Even though the amount is not tremendous, settling the payment by credit card will reduce the problem that comes from the amount with decimal points. Moreover, nowadays, the calculation of VAT and other discounts always result in decimal amount. Thus, settling payment with a credit card provides both convenience and it really saves more.

Use as help in time of emergency

In the situation that one needs fast cash like in the time of sickness that one will have to go to the hospital and the medical bill is high that cash is barely enough. To wait for the salary to be paid or claim from welfare is not going to make it in time. We can utilize the monthly leftover financial limit immediately. If the limit of the card is not sufficient, we can request for temporary higher financial limit for our credit card through SCB EASY APP. This can simply be done by putting the amount requested and the end date with the reason for the request. However, an approved temporary financial limit will not be included in the installment payment program. Therefore, users will have to pay the full amount before the end date to allow them to normally use the card.

Use to establish financial credit

Credit cards, as its name suggested, can be used to determine users based on “credit”. In the case that cardholder has an excellent record of spending and never once missed their due date when they request for loans with the bank, this good credit they established will allow the approval to be easier because the record will indirectly show that the user is financially disciplined and know how to spend. The same goes for the installment payment. It does not matter how many months, it will test the user’s discipline in repayment. Thus, if we have credit in our hands, we should take care of it well to let it stay with us for long.

Credit card, if know how to use, can be an excellent aid in managing spending. Everything depends on us to pay the complete amount, not miss the due date, keep payslips for reference and not let the card information leak. Being able to do all that, our life would be much more convenient and do not forget that credit card is not the reason that makes people in debt, but bad spending habit is.
 

Interested in SCB credit card? That is very simple. With SCB EASY APP, registration can be done easily through the application by following these steps.