Penggunaan kartu kredit tentunya sudah tidak asing lagi bagi beberapa orang. Jika kamu salah satu penggunanya, apakah kamu tahu bahwa kartu kredit memiliki beberapa jenis? Mereka hadir dalam beberapa jenis kartu kredit yang masing-masing terbagi berdasarkan tingkatan tertentu. Sebelum membuat kartu serbaguna ini, pastikan kamu mengetahui jenis-jenis kartu kredit yang tersebar secara luas di pasaran.
Dilansir di cermati.com, berikut jenis-jenis kartu kredit dan kelebihannya untukmu:
Kartu Kredit Silver
Kartu kredit dengan jenis silver merupakan kartu paling dasar dan paling banyak dimiliki di masyarakat. Ini karena pada umumnya, setiap pemegang baru kartu kredit, akan diberikan kartu dengan jenis silver terlebih dahulu, baru kemudian ditingkatkan. Kartu silver memiliki limit kredit paling rendah, yakni sekitar 4 juta hingga 7 juta saja. Kartu ini dapat diajukan oleh mereka dengan gaji per bulan minimal 3 juta. Akan tetapi, seiring pemakaian, seseorang dengan gaji 3 juta bisa saja memiliki kartu dengan tingkatan lebih tinggi, yaitu kartu gold.
Keuntungan memiliki kartu jenis ini adalah limit yang tidak terlalu besar akan membatasi penggunaan kartu kreditmu. Sehingga kamu bisa membatasi jumlah uang yang hendak kamu pakai untuk belanja. Kamu dapat mengurangi keborosan bukan?
Baca juga: Tips Singkat Melunasi Utang!
Kartu Kredit Gold
Untuk jenis kartu gold berada di segmen kelas menengah ke atas. Kartu ini diperuntukkan bagi mereka dengan penghasilan tetap per bulannya sekitar 5 juta hingga 10 juta. Limit kredit berkisar antara 10 juta hingga 40 juta, tergantung pada bank penerbit kartu kreditnya. Seseorang bisa langsung mendapatkan kartu dengan jenis gold jika memenuhi kriteria seperti penghasilan minimal maupun riwayat kredit.
Keuntungan memiliki kartu jenis ini adalah limit yang cukup besar sehingga memungkinkan kamu untuk memiliki barang-barang mahal dengan lebih cepat. Kamu dapat menggunakannya untuk mencicil barang yang cukup mahal seperti motor atau telepon genggam. Tetapi, semakin tinggi tingkatan kartu kredit, umumnya semakin tinggi pula besar iuran tahunan yang harus kamu bayar.
Kartu Kredit Platinum
Jenis platinum merupakan kartu dengan tingkatan paling tinggi. Kartu kredit platinum hanya dimiliki oleh sedikit saja orang, karena tidak mudah untuk mendapatkannya akibat persyaratan yang lumayan ketat. Karena merupakan tingkatan tinggi, kartu kredit platinum juga memiliki limit yang tinggi mulai dari 40 juta ke atas bahkan hingga 1 M. Untuk memilikinya kamu harus memiliki penghasilan minimal 180 juta ke atas pertahunnya dan tentunya mempunyai riwayat kredit bagus.
Kartu Kredit Titanium
Di atas tingkatan platinum, masih ada kartu kredit dengan jenis titanium. Kartu kredit titanium sangat terbatas kepemilikannya. Tak semua orang bisa mendapatkan kartu ini, karena hanya yang diundang secara langsung oleh bank lah yang akan mendapatkan kartu kredit titanium. Karena proses kepemilikannya hanya dipilih oleh bank, maka tidak pasti apakah yang menjadi persyaratan dari kartu kredit titanium. Yang pasti, jelas penghasilan tinggi dan catatan kekayaan mencapai nominal tertentu.
Baca juga: Takut Kredit Mobil? ini Alasan Kenapa Kredit Mobil Menguntungkan!
Jenis Kartu Kredit Spesial
Ada beberapa lagi jenis kartu kredit yang termasuk spesial, beberapa kartu kredit ini tidak tersedia secara general, seperti misalnya kartu kredit dengan brand Visa yang mengeluarkan kartu kredit Visa Signature dan Visa Infinite. Kartu kredit Visa Signature dan Visa Infinite tidak diperuntukkan bagi kalangan yang biasa-biasa saja. Kedua kartu kredit jenis ini diperuntukkan bagi mereka pengusaha besar dengan aset milyaran, pengacara terkenal, dokter terkenal.
Selain Visa Signature dan Visa Infinite, MasterCard juga tak mau kalah dengan mengeluarkan jenis kartu kredit MasterCard World. Kartu kredit ini juga sama spesialnya karena tidak diperuntukkan untuk masyarakat umum.
Nah, sudahkah kamu paham tentang jenis-jenis kartu kredit?
You actually stated it superbly.
https://www.waltcoexpress.com/
overseas pharmacies
canadian pharmacies that ship to us
buy prescription drugs canada
canada drugs online
Helpful posts. Cheers.
https://www.interlandchemie.com/
costco pharmacy pricing
northwest pharmacy
online pharmacy canada
northwestpharmacy
Thanks a lot, I like it.
https://www.lunarciel.com/
canadian pharmacy king
trust pharmacy canada
trust pharmacy canada
canadian pharmacies that ship to us
Good material. Appreciate it.
https://www.interlandchemie.com/
compare prescription prices
canadian pharmacies without an rx
top rated canadian pharmacies online
canada drug
Regards! Useful information.
https://www.lunarciel.com/
board of pharmacy
canadian pharmacy online
best canadian pharmacies
canadian pharmacies without an rx
Great facts. Many thanks.
https://www.lunarciel.com/
northwest pharmacy canada
london drugs canada
drugs online
canadian drugs
Thanks. Ample postings!
https://www.waltcoexpress.com/
canadian pharmacy
canadian cialis
medication costs
canada pharmaceuticals online
Truly lots of very good material.
https://www.interlandchemie.com/
pharmacy prices compare
online pharmacies of canada
canadian pharmacies without prescriptions
global pharmacy canada
Lovely data. Many thanks.
https://www.lunarciel.com/
best online international pharmacies
canadian online pharmacy
online pharmacy no prescription needed
canada drugs
You made your stand quite nicely.!
https://www.lunarciel.com/
canadian pharmacy online
canada drugs online
reputable canadian mail order pharmacies
canadian online pharmacies
Cheers, I value it.
https://www.dunamisproductions.com/
canadian online pharmacy reviews
canadian pharmacy
canadian drug stores online
aarp approved canadian online pharmacies
Cheers. I value this.
https://www.lunarciel.com/
canadian pharmacy viagra brand
canadian drugs
compare rx prices
canadian online pharmacies
Kudos, Lots of content!
https://www.visitwaushara.com/
pharmacy cost comparison
canada drug
rx price comparison
canadianpharmacy
Appreciate it, Numerous posts.
https://www.interlandchemie.com/
online pharmacy without prescription
canadian drugs
canada pharmacies without script
northwest pharmacy
You actually explained it well.
https://www.interlandchemie.com/
pharmacy drug store
canadian drugs
prescription online
canadian pharmacies-24h
Great knowledge. Thank you!
https://www.interlandchemie.com/
drugs without prescription
canadian pharmacy online
pain meds online without doctor prescription
canadian drugs
Kudos. Good information.
https://www.visitwaushara.com/
canadian drugstore online
canadian online pharmacy
northwest pharmacy canada
london drugs canada
You’ve made your point!
https://www.waltcoexpress.com/
cheap prescription drugs
canadian online pharmacies
best online pharmacies canada
canada pharmacy
Truly many of useful info!
https://www.lunarciel.com/
rx online
canadian pharmacy online
buy drugs online
canadian cialis
Great write ups, Thanks a lot!
https://www.lunarciel.com/
best canadian mail order pharmacies
canadian pharmacies that ship to us
canadian pharmacy online
canadian pharmacies that ship to us
You actually said it well!
https://www.lunarciel.com/
online canadian discount pharmacy
canadian pharmacies without an rx
mexican online pharmacies
online pharmacies canada
You said it nicely.!
https://www.lunarciel.com/
mexican pharmacies online
canada drugs
canadian meds
canadian drugs
You actually explained that effectively.
https://www.visitwaushara.com/
drug prices comparison
london drugs canada
pharmacy price compare
trust pharmacy canada
Whoa tons of wonderful info!
https://www.visitwaushara.com/
prescription cost
top rated canadian pharmacies online
canadian prescription drugs
canadian pharmacies without an rx
You actually said this terrifically.
https://www.lunarciel.com/
discount pharmacy online
canadian cialis
cialis online
mexican pharmacies shipping to usa
Wow quite a lot of useful advice.
https://www.dunamisproductions.com/
cheap prescription drugs
canada drugs
discount prescription drug
canadian pharmaceuticals online
Superb facts. Thanks a lot.
https://www.waltcoexpress.com/
pharmacy prices compare
canada pharmacy
online drugstore
canadian cialis
Thank you. Loads of advice!
https://www.dunamisproductions.com/
no prior prescription required pharmacy
mexican pharmacies shipping to usa
canadian online pharmacy
online pharmacies of canada
Thanks, I value it!
https://www.interlandchemie.com/
rx online
canadian drugs
drugstore online
canadian pharmacies
With thanks! Valuable information!
https://www.visitwaushara.com/
canadian pharmacy
canadian pharmacy
canadian viagra
canadian viagra
You suggested it adequately.
https://www.interlandchemie.com/
online pharmacy usa
canadian pharmacies online
canadian pharmacy
canadian viagra
Lovely forum posts. Regards!
https://www.lunarciel.com/
24 hour pharmacy
canadian pharmacies online
buy online prescription drugs
canadian pharcharmy
Many thanks. Great information!
https://www.waltcoexpress.com/
legitimate online pharmacies
north west pharmacy canada
buy prescription drugs canada
canadian cialis
You actually reported it perfectly.
https://www.waltcoexpress.com/
best canadian prescription prices
canada pharmaceuticals online
candrugstore com
canadian pharmaceuticals online
Terrific information. Kudos.
https://www.waltcoexpress.com/
prescription price comparison
canada drugs
approved canadian pharmacies online
canadian pharcharmy
Thanks, Ample material.
https://www.interlandchemie.com/
pharmacy drug store
canada drugs
canadian online pharmacy
canadian pharcharmy
You expressed it fantastically.
https://www.dunamisproductions.com/
us pharmacy no prior prescription
global pharmacy canada
pharmacy tech
northwestpharmacy
Good info. Kudos.
https://www.dunamisproductions.com/
canadian meds
canadianpharmacy
canadian pharmacy reviews
canada pharmacy
Thank you! I enjoy it.
https://www.lunarciel.com/
no 1 canadian pharcharmy online
canada pharmaceuticals online
canadian prescription drugstore
canadian pharmacies online
Cheers. Very good information.
https://www.dunamisproductions.com/
top rated canadian pharmacies online
canada drugs online
reputable canadian mail order pharmacies
canadian pharmacy
Lovely write ups. Thank you!
https://www.waltcoexpress.com/
online pharmacies no prescription
canadian pharmacies-24h
northwest pharmacy canada
online pharmacies of canada
Appreciate it! An abundance of posts.
https://www.lunarciel.com/
mexican pharmacies
london drugs canada
canadian prescription
online pharmacies canada
Regards. Terrific stuff.
https://www.visitwaushara.com/
discount prescription drug
aarp approved canadian online pharmacies
discount pharmacy online
canada pharmacy
Regards! I appreciate it!
https://www.waltcoexpress.com/
canada online pharmacy
canada drug
canada drug
mexican pharmacies shipping to usa
You reported that wonderfully!
https://www.dunamisproductions.com/
online pharmacy usa
canadian online pharmacy
no prescription pharmacies
mexican pharmacies shipping to usa
You stated this terrifically!
https://www.dunamisproductions.com/
discount prescription drugs online
canada pharmaceutical online ordering
online canadian pharmacies
canadian cialis
You actually suggested that wonderfully.
https://www.interlandchemie.com/
canadian prescription drugs
canadian pharmacy online
prescription drugs without doctor approval
canadian pharcharmy
Fantastic knowledge. Thanks a lot.
https://www.interlandchemie.com/
prescription drugs without prior prescription
canadian pharcharmy
mexican pharmacies
london drugs canada
Great knowledge. Thanks a lot.
https://www.interlandchemie.com/
online pharmacies
canada drug
canadian drug
canada drugs online
You expressed it effectively!
http://canadianpharmacymim.com/
pharmacy canada
canadian pharmacies-24h
mail order pharmacy
canadian pharmacy
Thanks a lot. I like this!
http://www.canadianpharmacymsn.com/
no prior prescription required pharmacy
canadian pharmaceuticals online
canadian pharmacies without prescriptions
canada pharmaceuticals online
You actually said this perfectly!
http://canadianpharmacysilo.com/
prescription price comparison
trust pharmacy canada
canadian pharmacies that ship to us
canada pharmacy online
Amazing information. With thanks.
http://canadianpharmaciesnnm.com/
us pharmacy no prior prescription
canada online pharmacies
no prescription pharmacy
canadian pharmacies that ship to us
Very well expressed genuinely! !
http://canadianpharmacysilo.com/
canadapharmacy com
aarp approved canadian online pharmacies
buy prescription drugs without doctor
aarp approved canadian online pharmacies
Nicely put, Thanks!
http://canadianpharmacymim.com/
canadian drugstore reviews
canadian pharmacies-24h
online pharmacy usa
top rated canadian pharmacies online
Thank you! Terrific stuff!
http://www.canadianpharmacymsn.com/
prescription drugs without doctor approval
canadian pharmacy online
canada pharmacies
canadian pharcharmy
Valuable facts. Thank you.
http://canadianpharmacysilo.com/
candrugstore com
canada drugs online
online pharmacy canada
london drugs canada
Kudos! I appreciate it!
http://canadianonlinepharmacynnm.com/
discount drugs online pharmacy
top rated canadian pharmacies online
canadian drugs without prescription
canadian pharmacies that ship to us
Whoa plenty of awesome tips!
http://canadianpharmacysilo.com/
canada drugs online pharmacy
canadian pharmaceuticals online
online pharmacy usa
mexican pharmacies shipping to usa
You have made your point!
http://canadianpharmacyntx.com/
board of pharmacy
canadian pharcharmy
canadapharmacy com
canadian pharcharmy
You actually suggested that really well!
http://canadianpharmacysilo.com/
pharmacy prices compare
canadian pharmacy
canadian pharmacy no prescription
canadian pharmacies without an rx
Regards. Wonderful information.
http://canadianpharmaciescubarx.com/
canadian pharmacies shipping to usa
canada drugs
no prescription pharmacy
canada pharmacy online
Nicely put. With thanks!
http://canadianpharmacyntx.com/
pharmacy online store
canada pharmacy online
global pharmacy canada
london drugs canada
Thanks a lot, Awesome information!
http://canadianpharmaciescubarx.com/
best online international pharmacies
canadian pharmaceuticals online
drugs online
northwestpharmacy
Regards. Valuable information.
http://canadianpharmacysilo.com/
canadian pharmacy king
canadian pharmacies-24h
rx price comparison
canadian pharmacies online
Nicely put, Many thanks!
http://canadianonlinepharmacynnm.com/
canadian pharmacy no prescription
canadian online pharmacy
canadian pharma companies
canadian pharmacies without an rx
Incredible plenty of fantastic advice.
http://canadianpharmaciescubarx.com/
prescription prices comparison
global pharmacy canada
online pharmacies no prescription
canada drugs
Incredible lots of useful knowledge!
http://talahicc.com/
best online pharmacies no prescription
canadian pharcharmy
northwest pharmacy canada
canadian pharmacies online
Regards! An abundance of material.
http://talahicc.com/
safe canadian online pharmacies
canada pharmaceuticals online
prescription cost
london drugs canada
Nicely put. With thanks.
http://canadianpharmacymim.com/
discount pharmaceuticals
canadianpharmacy
legitimate canadian mail order pharmacies
canadian online pharmacies
Incredible lots of beneficial data.
http://talahicc.com/
medication costs
mexican pharmacies shipping to usa
best canadian prescription prices
canadian viagra
Useful forum posts. With thanks!
https://nicktambone.com/
canadapharmacyonline com
canadian pharcharmy
web medical information
online pharmacies canada
Whoa tons of superb tips.
http://canadianpharmaciesnnm.com
pharmacy prices
northwestpharmacy
canada pharmacies
canada pharmaceutical online ordering