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Thinking of Copping A Credit Card? Let’s Talk… Tis The Season Anyway

A few years ago, ungenishow mambo ya credit card, ningekusize vibaya. But yo, that’s all changed now. I really love the man I’m becoming 😊 😊😊 (big LOL).

Nah, on the real though. It’s something you should look into. Najua maybe you have fears of not wanting any ‘debts’. Wueh, personally I’m a person that fears denis. Najua ‘kulipa matata’ only too well. But hii life imagine it’s all about financial discipline. Which took me a while to learn but here we are now hehe. Ni Mungu tu.

Practicing proper financial decisions = creating and having a healthy credit profile. You’ll be able to open a new credit card, rent an apartment, take loans and that financial freedom is oh so nice. Niulizeni, nimeonja hiyo life kidogo haha. But discipline is key and paying on time is important. That way your bank will build trust in you. Spend within your means so when it comes time to pay for your credit card, you ain’t incurring any interest.

An even better advantage? KCB’s credit card holders enjoy tu nice things like flexible repayment options, a 45-day interest free period, exclusive discounts from our over 200 merchants and other benefits which you can soma about here.

Small small list of things you should consider:

  • introductory interest rates
  • Annual Percentage Rate (APR) ie. the cost of borrowing on the card, if you don't pay the whole balance off each month
  • minimum repayment
  • annual fees
  • loyalty points or rewards (of which we have in plenty 😉 peep here )

And now that we are getting into the holiday mood, this is something that can come through for you as you panga yourself and make those 2021 plans happen. Kumbuka the kids are going back to school next year… Plus all the January woes we go through hehe. Prissss let this not be your struggle.

#StaySafe and we hope you’re as much in the Christmas mood as admin is! 😊

 

Over & Out,

The Witty Banker

Dec 10, 2020 Trending

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