Around the world, including Indonesia, there are various kinds of financial services companies issuing credit cards, though actual credit card organizer in this world there are only two (formerly three), namely VISA and Mastercard, as well as previous American Express (Amex only edition of the Gold Credit Card while Another variant is the Charge Card which must be paid in full rather than Credit Card which are installments).
For Visa, there are several levels of credit card from the start of the class for all classes until the classes are super exclusive groups that are not offered to everyone.
* Visa Classic, this is the type of credit card lowest credit ceiling limit (limit) expenditure and the accompanying features. Capping credit limit credit card type is generally only up to about 5 million dollars is not much different with a debit card transaction limit of several local banks. Most people with a salary / income slightly above the minimum wage up to 50 million a year income class can have this credit card, provided that is not listed on a black list of Bank Indonesia and has a current bank account (there is a positive balance and other income / salary is transferred 100% to account, not that type of income cash on hand aka disposable cash paid daily wages.)
* Visa Gold, this is the type of credit card a bit more exclusive, with some additional features such as special discounts for some merchants (products / services), and the maximum credit limit is higher. Start early to people who deserve to have this type of credit cards from the start that income is around 5 million a month to about 20-25 million a month. Capping credit limits also vary depending on the amount of the related income and credit worthiness rating of the bank. Some are providing up to 50-100 million a month despite the fact that it was too big, but for special Gold credit card company (Corporate Client) do exist that provide up to 100 million dollars limit.
* Visa Platinum credit card is usually more to event-gengsian prestige or salary workers who refuse to man their status is equated by managers below the average have a credit card type of Gold. Or used by some employers to entertain business associates / clients in some fancy places that need the "award" of its own. I recall early start feasibility to have a credit card of this type are those whose income above 25 million a month, at least touch the number 28 million a month. Although it is possible that lower income can have this card, depending on the assessment of the bank and negotiating the candidate submitting this card (if necessary dating only people in that part of sales or determining applicant eligibility hehehe). Capping credit card limit these types ranging from 75 million to nearly Unlimit depending on the capabilities of the card holder to pay the bills alone.
* Visa Signature, credit card types are classified as very exclusive, not for the office or labor (employees). Generally issued only for the businessmen or professionals if only for the top lawyer or public accountant on board and several leading doctors only. And that's still considered the feasibility of its financial coffers, whether deposits, current accounts, savings accounts, investments and so forth. Very high ceiling limits the start-up began 100 million to unlimited. The facility was also varied from the starting airport lounge (an average of Gold Card also been able) to travel up to assist, Golf membership, special travel and so forth.
* Visa Infinite, this is a credit card that is not offered to the public. Only specially made to several people who had assets valued at over 100 thousand USD in cash, and usually only to customers specific premium savings account owner / deposit / investment of the bank issuing the card. Capping limits ranging from 50 million rupiah to unlimited, but generally revolve around the number 250 million rupiah (if only a deposit balance of 100 thousand USD or 1 billion rupiah). The more money you deposit it increasingly is not limited to its limits. Facilities also varied ranging from travel insurance, travel assists, to pass a special priority that simplify matters by pass an immigration officer at the airport in almost all over the world. The owner of this card is also generally have access facility for booking a private jet (good for any time to escape to Singapore through a special lane if pursued KPK hahaha).
In order to issue MasterCard credit cards, there are several levels of membership of this type of credit card, includes several levels namely:
* Mastercard Classic, just like his brother in Visa, Mastercard Classic owner of the card type is usually only get a maximum credit limit low of about 5 million dollars and the minimum expected income is slightly above the minimum wage by 50 million dollars per year. Discount facility was also not much, except if there is big sale.
* Gold Mastercard, Visa Gold as well, has a maximum credit limit slightly higher than the Classic to the limit of around 100 million rupiah. Special features discounts and bonus rewards points are also roughly equal to his brother in Visa Gold. Minimum income standards do not differ too much.
* Platinum Mastercard, is a bit different from the Visa Platinum, usually credit card type Mastercard Platinum offers more features jor-rod slightly from the start reward points to a variety of other services available. Maybe this is because some time ago, Master Card International is active to encourage the promotion program, whether that right now. Problem maximum credit limit, earning mininum not differ much with the Visa Platinum.
* Mastercard World, this type of card is actually level with the Visa Infinite card, but it is unclear how broad the scope of its services features. What is clear is the minimum usage should be 75 million a year, under that you likely will be charged a fee / annual dues or perhaps monthly (depending on the issuer bank) which is quite a big. Of course if you do not need ya-do not need quite grasp. Fitting perhaps for entrepreneurs with individual business tax ID type independent, not bad for a payment of raw material / materials, can wholesale wholesales.
So at a glance the credit card discussion, but I suggest if your spending can still be covered by the withdrawal of cash from an ATM or debit card transactions, so no need to have a credit card because the credit card name should still be paid, otherwise you can not sleep soundly terrorized by debt collectors .
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