Three Reasons You Must Have Credit Cards

1. Simplifying Your Transactions

   If you do not have cash to make your purchase, what should you do? Credit cards will be ready to help you out during your shopping spree, hassle-free. There will be no need to bring cash or make ATM withdrawals. Just remember your signature or PIN number, and you are ready for any financial transaction. Easy, isn’t it?

2. One Card, Multiple Transactions

   Life will become easier when all financial transactions are doable with the help of just one card. With credit cards, you can do pretty much everything, from doing your daily shopping to paying your bills. All of your transactions will be collected in one place, relieving you of the headache of counting your separate monthly bills. You will never again be in the dark on where your money has gone as every purchases will be recorded for you.

3. The Availability of Many Interesting Promotions

   Doing transactions with credit cards will get you numerous benefits. Many credit cards collaborate with shopping centers, restaurants and hotels to give you various deals, such as discounts and interesting offers.

This has inspired Bank BJB and Bank Negara Indonesia (BNI) to collaborate in issuing a credit card with multiple features and benefits for consumers. Cardholders will be able to enjoy all the benefits of regular BNI credit cards and discount programs exclusively offered for Bank BJB customers.

Shopping with Bank BJB cards now give you more benefits with its various discount offers. With the range of features credit cards have to offer, what are you waiting for? Activate your credit card right away!

5 Tips to Maximize Your Online Banking Application

Standing in line for hours just to pay your bills is a waste of time. Many banks now offer online banking or mobile banking applications, made to provide easier and more practical ways for customers to deal with their financial transactions.

In order to fully enjoy these facilities, here are a number of tips to maximize your online banking experience:

1. Prepare Your Tools

   Smartphones are more than just for selfies or updating your social media platforms. You can use them to help you with your daily transactions. Make sure that your gadgets, including iOS and the open-source Android, are virus-free before downloading your online banking applications. This significantly reduces the possibility of your account getting hacked and used for illicit purposes without your knowledge.

2. Get the Applications

   You will not be able to immediately use your online banking application the moment you download them. First, you will need to obtain an activation code from an ATM machine or from the nearest branch of your bank. This activation code is used to activate your account and the password that you use during registration. You can do this either from the bank’s mobile application or its website. After everything is completed, you can use the online banking facilities right away.

3. Safer Transactions via Website

   Online banking facilities can be accessed through either the bank’s website or mobile applications — both require an internet connection. Use a malware program to prevent your bank account from being hacked.

4. Avoid Doing Transactions in Public Places

   Despite the practicality of online banking, be sure to avoid doing transactions in public places, including through free Wi-Fi networks. Apart from the higher risk of being hacked, free Wi-Fi networks and public places also expose you to criminal activities. It is better to do transactions at home or in a private place and using private networks, away from prying eyes.

5. Protect Your Gadgets

   Never forget to replace the passwords on your gadgets and online banking applications regularly. Furthermore, do not regularly lend your gadgets to other people. No matter how you want to look at it, your gadget is your connection with your bank account. Another important thing is to regularly check your bank account. Always report to the bank any suspicious transactions that you find.

Upon reading these tips on how to maximize your online banking experience, surely many of you are asking what online banking application is suitable for your needs. Of course, it is Bank BJB’s mobile banking application BJB Digi. More than just your everyday online banking application, BJB Digi offers various benefits that will make your life easier.

One example is the bank transfer to other Bank BJB and other bank accounts. You can do this through BJB Digi. Payment of your bills and other needs can also be fulfilled by BJB Digi, including paying your water, phone, cellular phone, credit card, internet and cable TV subscription bills, as well as tickets, virtual accounts, land and building tax, education bills and buying cellular phone credit. All of these can be processed easily through BJB Digi.

How to get it? E-banking BJB can be obtained by registering your cellular phone number at the nearest Bank BJB ATM. After obtaining your receipt with the activation code on it, use it to register your account on the BJB Digi app, which is compatible with all Android and iOS smartphones. You can also register your account directly at either the mobile or desktop site of Bank BJB at ib.bankbjb.co.id.

Enter your username and password. Make sure to keep both a secret to ensure the safety of your account. Afterwards, your BJB Digi app can be used for various transactions. BJB Digi, your solution to limitless banking!

Owning a Home Early Is No Longer Just a Dream

It cannot be denied that home ownership is a primary need nowadays. Every year, the price of land and buildings steadily increase, making home ownership an alternative and promising investment. Owning their own homes early on is every young person’s dream. However, proper planning is surely needed before purchasing property.

This is because the homes should not merely be personal abodes, but ideal residences for their families, as well. The following tips should help you properly plan your first home purchase:

1. Timing is Everything

   Monitor the price of properties regularly. Their fluctuation is influenced by many things, mainly supply and demand. General economic principles apply here. Government policies also influence the price of properties. If you find prices are increasing while experts predict they will go down in one or two years, it is better to just wait. You can save money while waiting for prices to decrease.

2. Survey

   Surveys are important to find out more about the neighborhood in which the house you desire is located, so it’s best to ask around for information about the place you wish to move into. Consider security and other neighborhood issues before making your decision. Always remember that the people who live in an area know so much more about the neighborhood compared to developers who will only sweet talk you.

3. Long-Term Investment

   If one day you wish to resell the house you are about to buy, its location will be a huge factor in determining the resell price. Besides, property investment will determine the size of the house you wish to build. On the other hand, a bigger home would mean bigger maintenance costs in the future. Therefore, if you wish to purchase a home as a long-term investment, plan the right way.

4. Choose Loans Carefully

   Apart from using your private savings that you may have prepared for a long time, you can also use bank loans to purchase your first home. For example, the West Java and Banten Regional Development Bank (Bank BJB) has the Kredit Guna Bhakti program, which can be used by individuals with a fixed income. Both Bank BJB customers and non-customers can use this facility.

If you wish to use the Kredit Guna Bhakti facility, your office or employer must first be in a partnership with Bank BJB. Under such a cooperation, you can pay your installments automatically with your monthly salary. The program is very interesting due to its maximum loan period of 15 years with a competitive interest rate.

If you are a permanent employee at a government institution, state-owned or region-owned enterprise, you can apply for a loan of up to Rp 350 million (US$26,263.48). You can apply for more than Rp 350 million with additional collateral, such as vehicle ownership documents (BPKB), housing certificates or other valuable documents. This is all applicable for individuals whose salary is distributed through Bank BJB. For others, the maximum loan is Rp 250 million. So, what are you waiting for? Register your monthly payroll at Bank BJB right away!

For those of you who wish to pay off your loan as soon as possible, you can set your installment at up to 80 percent of your take-home pay. If you have a regional allowance, you can set your installment at up to 90 percent of your take-home pay! For more benefits of Bank BJB’s Kredit Guna Bakti program, you can visit the nearest Bank BJB branch or contact us at 14049! You can also reach us on Twitter at @infobankbjb, on Facebook at Bank BJB Official, through our website at www.bankbjb.co.id and through Instagram at @bankbjb.

Once you receive approval for the Kredit Guna Bhakti program from Bank BJB, you can purchase your home or anything you wish to have. If you wish to own a home with the highest loan, you can also apply for a House Ownership Credit (KPR) from Bank BJB with a competitive interest rate. You are free to choose your credit program in line with your own needs. Good luck!

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