How credit card growth nowadays?

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How credit card growth nowadays?

Very rapid growth. Thus, the number of credit card holders also increased, the number of shopping volume also increased. It was at this time to reflect, at least throughout 2007, the improved economic capability, so the ability to utilize the credit card is also improved.

How much credit card contribution to the income banking?

Credit card interest rates are always higher than the interest rates credit the other, so that certainly contribute significantly. Because not all bank issued credit card products. Largest credit card issuer is Citibank, BNI, Mandiri, BCA, Danamon, and HSBC. The greater the number of credit cards that are sold, offered, certainly have impact on interest income from credit cards.

If we include selling credit cards, not just income from interest, but also of the cost of administration fees and annual fees. Annual dues are two, for the primary credit card and extra credit cards. Add one more that is fine, for those who have to pay credit card bills.

Acumulation overall?

Can not digeneralisir. Because banks have a wide customer base, such as Citibank, BNI, Mandiri, but there is also a bank credit card sales are growing. For example, small banks, such as NISP, their new growth. I wanted to say is a contribution or donation from a credit card this product from time to time continue to expand. Better term.

If not, ngapain banking on the ’selling’ a credit card. That logikanya. As if we to shopping-mall now, ditawarin a credit card only with ID card. That means the phenomenon that sell credit cards to provide benefits or benefit for the Bank.

If the bad debts from credit card how much?

NPL if it is still low according to me, is still below 5%. Because the credit card bill payment that has the flexibility, the minimum payment 10%. If you have a billing Rp 1 million, you just pay Rp 100 thousand, is still the go smoothly and not have its NPL.

From the misuse of a credit card?

For now, credit card users are expected to be more careful, when making a transaction. This means, do not be careless love of credit cards to people. Second, from the bank must also be careful. For example, if there terindikasi Bank credit card is duplicated, we are called, to block the card. So, this is more to security. After five days, the credit card will be replaced. That’s good. So before the incident, have been protected first.

What is the percentage of losses from credit card abuse?

From the police data, loss of Rp 180 billion. Indeed large, but if the percentage of speech, is small. Below 3% even. But we must not underestimate it. Still to be done precaution. I think it is important that along with economic pressure, then use a credit card wisely.

With the increase in prices, the ability to pay by credit card will be limited, the use of credit cards wisely. This must be emphasized, if it is jammed into NPL. This means that its NPL nambah again.

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