What are common mistakes when paying your Honest credit card bill?
Having a credit card makes life more convenient, especially with Honest Card’s many benefits and user-friendly features. But if you’re not careful, some common mistakes can cause unnecessary headaches. Here are 5 mistakes to avoid:
1. Late payments
One of the most common mistakes is paying your bill late. Ensure your payment is recorded in your Honest account before the due date. Payments made after 9 PM WIB are processed the next day.
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Pro tip: Check your bill regularly in the Honest app. It’s designed to show all transaction details and due dates clearly, so you never miss a payment.
2. Only paying the minimum amount
While minimum payments may seem tempting, avoid relying on this option unless absolutely necessary. Paying the minimum means more interest and a longer time to clear your debt, which could also lower your credit limit and score. Prioritize full payments whenever possible.
3. Not checking your bill details
Don’t skip reviewing your bill details. With the Honest app, you can easily check your bill and payment history. This helps ensure there are no errors or suspicious transactions.
4. Exceeding your credit limit
Using your card beyond its credit limit can result in higher interest and negatively affect your credit score. Stay within your limit and pay off your bill in full each month.
5. Not budgeting for credit card payments
Budgeting is crucial, especially if you have a credit card. With a budget, you can manage your spending better and avoid unnecessary expenses. Set aside funds specifically for your bill to ensure timely full payments and avoid unnecessary stress.
6. Contact Honest Card customer service
Need more info? Reach out to Honest Care via:
- Phone: 0800-1-101-101 (toll-free)
- WhatsApp chat: 081119191101
- International calls: +62-21-50867077
Late payments can lead to penalties and negatively impact your credit history. Repeated delays may even blacklist you, making it harder to secure loans in the future.
