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Most of the United States population has been using credit cards. It is rare to find anyone who does not have credit card nowadays. Other developing countries are also adapting this trend and have started carrying cards for purchase, paying debts or doing monetary transactions. Credit card terminals are rampantly spreading even in convenience stores and buses cross the globe.
Singapore, Japan and Seoul, South Korea are some of the biggest markets of credit card because of their outstanding financial capabilities. Surprisingly, cities of developing nations are also competing for the most used credit cards. According to reviews, Jakarta, Indonesia and Kuala Lumpur, Malaysia are included to the top ten places in South East Asia to have an ample amount of purchases using credit cards.
With the trend continuously growing, Axis Capital Business Funding, a company which provides credit loans to small business owners across the globe has released their top reasons why credit card is slowly replacing cash:
1. Helps in Budgeting
For simple homemakers or frugal individuals who keep track of their expenses, credit card can help organize their finances. You can monitor your purchases and financial transactions and also ask for monthly balance through the receipts.
2. Helps in Credit History
Credit scores and reports are vital when you would have to loan one day. Your credit history which shows if you have spent and surpassed your credit limit and the frequency of using your credit card can help boost your credit score. It can also build a solid credit history which can tell lenders that you can be trusted.
3. Helps in Saving Money
When you pay your debts on time, it can boost your credit score. When you have a good credit score, you can have a discount in mortgages, lower interest rate, car purchases etcetera
4. Helps in Availing Rewards
When you are using your credit card often, it can gain you rewards and freebies. There can be points or other promotions that your credit card provider may be teaming up with, perhaps a free round-trip ticket or free items when you purchase. Just make sure you don’t give your confidential information for the redemption of your rewards. It can also be a scam used to lure you in.
5. Helps you Purchase Fast
Credit cards are now accepted everywhere compared to cash that you have to exchange with local currency if you are traveling abroad. Moreover, if you are fond of purchasing online, having a credit card can also keep your transaction hassle free.
Getting a job offer is very pleasing and rewarding, more specifically when you are about to land a dream job abroad, say a teaching job in Jakarta Indonesia. It’s at all times a satisfying emotion to experience you went into an interview and submitted yourself in an approach that made the employer to make a decision you were perfect for the position. Though, occasionally it can be tough to articulate if a job is accurate for you, and taking on one job is a big obligation; it’s just normal to undergo the feeling of a bit hesitant at first. It can be tough to articulate when to accept an offer or when to decline one since you do not want to have complaints afterwards, nonetheless luckily, there are ways to crack when a job is worth accepting.
Accepting a job offer from a different company can be justifying; it’s for all time pleasant to discern that others in your field value your work. Though, your present company could not intend to just let you go. Brilliant employees would be hard to catch and the price of training fresh hires is considerable. Consequently, your company possibly will prepare a counter proposal with the optimism that you will review your resignation. If you choose to remain there, make certain that you are doing it for the correct motives.
It might be tough to really catch the ideal job you like. All the benefits such as health, life and income protection insurance, paid vacation time, plus satisfactory pension plans all put into one incredible and thrilling job is the dream of every employee. On the other hand, although the job you’re thinking of accepting isn’t proposing everything of your standard incentives, several benefits are not bad than nothing at all. Numerous companies are reducing the benefits they’re proposing their employees, hence grab any chance that offers you whatever additional benefits. It demonstrates that your employers are concern for your welfare besides that they value your time and commitment, and every company that shows appreciation for your dedication to your work is one worth investing for.
One vital tip from Axis Human Capital Ltd, a group of companies currently located in Accra, as straightforward an idea as it is, listen to your instinctive feeling at all times. It can protect your life and daunt you from whatever circumstances that might instigate a decrease in your contentment. On the other hand, when you have a sincerely positive gut regarding the job once you’re done thinking on the interview and to some extent of follow-ups you had with your expected company, have faith in that. If they looked like somebody you could be compatible working with and believe you could be contented coming to with matters, and in the condition that the hopes that were presented appear to be well-defined and equitable, end the overanalyzing all the potential destructive consequences and pursue the chance. Your instinct is accurate more frequently than incorrect and attending to it can at all times support you in the most favorable for you.
