Saatnya punya Credit Card

http://www.everlife.com/images/credit-card-application.jpgDari dulu sampai sekarang kalau lagi jalan-jalan ke Mall, sering banget ditawarin apply Credit Card (CC) oleh para sales, malah pernah sampai dikejar-kejar segala. Syaratnya mudah banget, cukup pakai KTP. Tapi karena memang gak butuh ya selalu saya tolak. Iya memang gak butuh, buat saya CC malah punya potensi berbahaya mengancam keuangan πŸ˜€ . Punya ATM aja suka gesek sana sini, gimana kalau punya CC.

Setelah resmi jadi blogger matre (entah sejak kapan, lupa :p ), yang hampir semua transaksinya memakai validitas CC, tetap saja saya gak tertarik blas buat bikin CC. Apalagi saat tau kalau verifikasi Paypal bisa pakai VCC dan Adsense lebih ok via Western Union. Jadinya tiap ada sales yang nawarin langsung kutolak mentah-mentah.

Sekarang semua berubah, saya lagi getol-getolnya berburu CC. Berawal dari saat cuti mudik awal bulan ini. Walaupun mudik aktivitas nguber dolar harus tetap lancar donk. Nah saat harus login Paypal untuk melakukan transaksi pembayaran, langsung akun paypalku diblokir. Istilahnya kena status limitation (duit bisa masuk tapi gak bisa keluar). Katanya sih paypal mendeteksi adanya penyusup. karena aku login dari kota lain. Jadinya harus di interograsi dulu. Mulailah aku menjawab pertanyaan paypal satu-satu.

Mulai disuruh ganti password baru, tanya rekening bank sampai minta dikirimi file scan KTP semua sukses kulayani. Sampai terakhir paypal minta saya mendaftarkan CC baru, karena yang lama sudah expired, wong saya pakai VCC yang umurnya hanya 3 bulan. Pikirku daripada tiap 3 bulan beli VCC ribet bgt, ya sudahlah apply CC beneran saja.

Sepulang dari mudik aku langsung berburu CC. Target utama BCA dan Bank Mandiri, karena aku punya rekening disana. Syarat dan ketentuannya lumayan ribet. karena status resmiku adalah karyawan, jadi harus berpenghasilan minimal 3jt/bulan (melampirkan slip gaji). Disamping itu syaratnya masih banyak dan ketat. Ntar perusahaan kita akan ditelepon untuk konfirmasi data dan gaji, trus rekening bank kita 3 bulan terakhir akan diteliti debet kreditnya. Sampai sekarang sih aku belum apply kemanapun karena KTP ku udah expired, harus diperbaharui dulu.

Nah hari minggu lalu aku dan keluarga jalan-jalan ke Mall. Gak seperti biasanya aku selalu menghindari sales CC yang suka gentayangan, sekarang aku malah clingukan nyari mereka. Eh kok malah gak nemu satu sales pun. Didepan Carefour pun yang biasanya banyak bgt, ini kok sepi ya. Waktu baru saja masuk Carefour akhirnya nemu juga sales CC. Tapi ini sales CC khusus BCA Carefour. Tanpa ba bi bu lagi aku langsung apply, wong syaratnya cuman KTP dan ATM doank. Setelah KTP di fotocopy aku baru ingat kalau KTP ku udah uzur alias expired. Tapi gpp kata salesnya, haha ketahuan banget kalau lagi ngejar setoran πŸ˜€ .

Hari ini rencananya perpanjang KTP dan melanjutkan apply CC di BCA dan Bank Mandiri. Untuk BCA mungkin aku akan buat kartu tambahan aja. Jadi downlinenya kakakku, jadi kemungkinan tembusnya lebih besar.Β  Toh aku hanya butuh untuk validitas saja. Apalagi limitnya bisa di set minimal 500rb, jadi bisa terhindar dari godaan blanja blanji πŸ™‚

Kalau baca pengalaman apply CC teman-teman diblog mereka masing-masing, sebagian besar berkata ribet dan susah tembusnya. Nah buat teman-teman yang sudah nyasar keblog ini dan terlanjur baca postingan gak penting ini, sudilah kiranya berbagi pengalaman tentang apply CC. Mungkin ada yang punya tips dan trik jitu? mohon di sharing.

Thankyou and happy blogging πŸ™‚

Image diculik dari http://www.everlife.com/images/credit-card-application.jpg

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