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Wednesday, February 18, 2009

Dos and Don'ts Of Using Credit Cards

Most of us aren't born knowing how to use credit cards. Still, it’s important to learn the rules of the credit card game – preferably before you start playing. These do’s and don’ts of credit card usage encourage healthy spending habits for new and experienced credit card users alike.
Don't
Use your credit card to make everyday purchases. Items like food, clothing, and gas shouldn't be purchased with a credit card. Using your credit card as a substitute for cash is a habit that can quickly lead to debt. For ordinary purchases, leave your credit card in your wallet and use cash or debit card instead.
1. Get into the habit of making minimum-only payments. Making only the minimum payment each month increases the amount of time it will take to pay off your debt. It also increases the amount of interest you end up paying. To pay your debts off quicker and cheaper, you should pay as much as you can on your balance each month.
2. Use your credit card to buy things you can’t afford. Living a borrowed lifestyle is the quickest way to get into debt. If you can’t afford a purchase today, chances are you won’t be able to afford it tomorrow, or even next month.
3. out a credit card without knowing how your credit will be impacted. There are times when closing a credit card can hurt your credit score. Avoid closing cards that still have a balance or those that make up a significant amount of your credit history.

Do
1. Make wise decisions about purchasing items you need versus those you simply want. We’ve all used the word “need” to describe something we really just wanted badly. Using your credit card responsibly means recognizing which things you need and which you just want.
2. Let your creditor know in advance if you won’t be able to make your monthly payment on time. The worst thing you can do is simply forgo your credit card payment, no matter the reason. Most creditors will assist you if you let them know before you miss your payment. Simply call your creditor, briefly explain the situation, and ask that any late fees be waived.When You Can't Make Your Payment
2. Stay within 30% of your credit limit. A large part of your credit score considers the amount of debt you have. Keeping your balances low helps you maintain a good credit score. Not only that, lower balances are easier to manage than those that are higher.How Your Credit Score Is Calculated
3. Negotiate a lower interest rate. Especially if your current rate is higher than offers you receive. Your interest rate determines how much you pay for carrying a balance on your credit card. Evaluate the interest rate on your credit card periodically to be sure you are getting the best deal possible.How to Negotiate a Lower Interest Rate

The Advantage of Credit Card

Ask any financial advisor and they will tell you that credit cards, in general, are not a good idea. But they aren't all completely bad. The problem isn't necessarily the card, it is the way the card is used.
The average American family has approximately $7,000 to $10,000 (or higher, by some reports) of credit card debt. For most people, credit cards are a major obstacle between them and financial security. They are just too tempting. Too easy to use. And it is too hard to get out from under them.
But if you are one of the few people who have the self control to pay off your credit card bill each month -- every month -- then credit cards could have some advantages.
If you pay off your bill each month, you are basically receiving an interest free loan from the time you make your purchase until your credit card bill arrives. But the key is that you have to keep a close eye on how much you are spending, you must have the money to pay it off in full. Or you will pay interest on what you can't pay.
Many credit cards offer protection for your purchases for a certain amount of time after the purchase is made. Airline tickets purchased with credit cards often offer free life and baggage insurance during your vacation. Some provide rental car insurance. A number of cards let you earn points for every $1 you charge. Others offer you cash back on your purchases. Many of these "reward" cards can be found with little to no annual fee.
The most popular of the rewards cards are the airline credit cards. These allow you to earn points toward free tickets or other upgrades with each dollar you spend. Almost all airline cards have annual fees, but these are sometimes waived for top customers. If you have used your card a lot during the year, you can request to have your fees waived.
There are many other card programs out there -- all intended to draw customers in. There are cards that pay towards your home mortgage loan. Some will donate to your favorite charity. You can find a card linked to almost anything nowadays.
The reason that credit cards take the risk that you will take an interest free loan and pay off your bill in full is simple. First of all, anytime you make a purchase with a credit card, the store you do business with must pay the credit card company anywhere between three and seven percent of the amount charged.
The other way they stay in business is by charging credit card holders who don't pay their balance each month high interest rates. These rates are even higher for those who miss a payment.
Credit cards are banking on you not paying your balance in full. The majority of their card holders don't. They encourage you to charge by offering money transfers, convenience checks and other incentives. They want you to be surprised when you receive your bill each month at how much you owe them.
But the fact is that credit cards are only a good deal if you pay off your balance in full each month and you only buy things that you have the money for at the time you buy them.
So that leaves many advisors to ask: why not just use your money and forgo all of the trouble? The benefits to the rewards cards are so minimal, they often aren't worth the risk.
While cards are the downfall of many, if you have self-control and use them wisely, there are advantages. Many people do find that they can save money by using them. Be careful and keep track of your spending, and you should find that they not only improve your credit score, but provide many other benefits as well.

Currency Name and address of banks

AUD
Chase Australia
CHASAUZXXXX
Level 34, 259 George Street
CMB AUS
Sydney NSW 2000, Australia

CAD
Royal Bank of Canada
RYOCCATZXXX
Financial Institutions - Client Service Centre
180 Wellington Street West,
Toronto, ONT M5J 1J1, Canada

CHF
Swiss Bank Corporation
SBCOCH2280A
P O Box CH 8098 Zurich, Switzerland

DEM
Chase Bank AG
CHASDEFXXXX
Alexanderstvane 59 60489
Frankfurt au Main, Germany

DKK
Den Denske Bank
DABADKKKXXX
2-12 Holmens Kanal, DK-1092 Coopenhagen, Denmark

EUR
Chase Manhattan Bank AG
CHASDEFXXXX
60284 Franfurt am Main, Germany

EUR
Deutsche Bank AG
DEUTDEFFXXX
65755 Eschborn, Frankfurt am Main Strasse, 84
65760 Eschborn, Germany

EUR
Standard Chartered Bank Plc.
SCBLGBZLXXX
37, Grace Church Street, London EC3VOBX
United Kingdom

FRF
Bank of India
BKIDFRPPXXX
Paris Branch, 3 Rue Scribe, 75009 Paris, France
FRF 002014

GBP
Lloyds TSB
LOYDGB2LXXX
Financial Institutions Corporate and Institutional
St. George’s House, 6/8 Eastcheap, London EC3M 1 AE

GBP
Midland Bank Plc.
MIDLGB22XXX
P O Box 181 27-32, Poultry London EC2P 2BX, UK

GBP
State Bank of India
SBINGBZLXXX
State Bank House, 1 Milk Street
London EX20 2JP, UK

ITL
Banca Commerciale Italiana
BCITITMMXXX
Piazza della Scala 6, 20121 Milano, Italy

JPY
Union Bank of California
BOFCJPJXXXX
Hatchobori Centre Bldg 6-1 Hatchobori,
4-Chome Chou-ku, Tokyo 104, Japan

NLG
ABN-Amro Bank N V
ABNAWLZAXXX
Correspondent Banking AA 4330,
ABAMNL
P O Box 283, 1000 EA Amsterdam, The Netherlands

NOK
Den norske Bank
DNBAWOKKXXX
P O Box 1171, Sentrium N-0107, Oslo, Norway

SEK
Nordbanken
NBBKSESSXXX
S-10571, Stockholm, Sweden

SGD
Chase Manhattan Bank N A
CHASSGSGXXX
Gateway West, 150, Beach Road, Singapore 159720

USD
Bank of New York
IRVTUS3NXXX
One Wall Street, New York City, NY 10286, USA

USD
Chase Manhattan Bank
CHASUS33XXX
4 Chase Metro Tech Centre, 8th Floor
UID chips no.
Brooklyn, New York 11245, USA

USD
First Union National Bank
PNBPUS3NNYC
One, First Union Center, Charlotte NC 28288, USA
FUNCHA

USD
Union Bank of California International
BOFCUS33XXX
2 World Trade Centre, Suite No 1410
UID chips no.
New York N Y 10048, USA

List of Correspondent Bank Accounts for Remittances

List of Correspondent Bank Accounts for Remittances
CurrencyCorrespondent BankSwift CodeNostro Account Number
USDJPMorgan Chase Manhattan Bank, NEW YORKCHASUS33001-1-406717
USDWachovia Bank N A (Formerly known as First Union Bank)PNBPUS3NYC2000191000409
USDBank of New York, New YorkIRVTUS3N8900330937
USDBank of America,New York ,USA.BOFAUS3N6550492079
USDABN AMRO Bank, New York, USA.ABNAUS33574-0748188-41
USDAmerican Express Bank, New York, USA.AEIBUS33745844
GBPJPMorgan Chase Manhattan Bank, London, UKCHASGB2L111-35191
GBPRoyal Bank of Scotland, LondonRBOSGB2L10005149
GBPDeutsche , LondonDEUTGB2L84003011320000GBP000LDN
GBPLLoyds Bank, London, UKLOYDGB221015444
JPYSumitomo , TokyoSMBCJPJT4313
JPYJPMorgan Chase Manhattan Bank, Tokyo,JapanCHASJPJT01-42-453539
EURJPMorgan Chase Manhattan Bank, FRANFURTCHASDEFX6231602308
EURAmerican Express Bank, FrankfurtAEIBDEFX18102010
EURABN Amro Bank, Frankfurt, GermanyABNADEFF07370005602675019EUR
AEDEmirates Bank International, Dubai,UAEEBILAEAD0004-808439-784
AUDANZ Melbourne, AustraliaANZBAU3M568204AUD00001
NZDANZ National Bank Limited,Wellington, NZANZBNZ22XXX568204NZD00001
CADBank of Nova Scotia, CanadaNOSCCATT5271202445 - 11
CHFUnion Bank Of Switzerland, Zurich, SwitzerlandUBSWCHZH02300000094169050000E
DKKNordea Bank, Copenhagen, DenmarkNDEADKKK5000015611
HKDStandard Chartered Bank, HongkongSCBLHKHH44709406528
SEKNordbanken, Stockholm, SwedenNBBKSESS39527909511
SARSaudi Holandi Bank, Saudi ArabiaAAALSARI031 002 605 275
SGDDBS, SingaporeDBSSSGSG003-901438-4 HDFC BANK LIMITED
SGDJPMorgan Chase Manhattan Bank, SingaporeCHASSGSG111874122

List of Correspondent Bank Accounts for Remittances

List of Correspondent Bank Accounts for Remittances
CurrencyCorrespondent BankCorrespondent Bank's Swift CodeCorrespondent
Account Number
Additional Account Details
USDJPMorgan Chase Bank, NEW YORKCHASUS33001-1-406717CHIPS ABA:0002
FEDWIRE ABA:021000021
CHIPS UID#354459
USDBank of New York, New YorkIRVTUS3NV801-890-0330-937
USDBank of America, New York , USA.BOFAUS3N6550492079FEDWIRE ABA:026009593
USDABN AMRO Bank, New York, USA.ABNAUS33574-0748188-41
CHIPS ABA No : 0958
FEDWIRE ABA No: 26009580
CHIPS UID No: 012995
GBPJPMorgan Chase Bank, London, UKCHASGB2L111-35191SORT CODE:609242
GBPRoyal Bank of Scotland, LondonRBOSGB2L10005149SORT CODE : 160034
IBAN No: GB15RBOS16003410005149
GBPDeutsche Bank AG LondonDEUTGB2L84003011320000GBP000LDN
GBPLloyds Bank, London, UKLOYDGB2L01015444IBAN No: GB53LOYD30963401015444
JPYSumitomo Mitsui Banking Corporation, TokyoSMBCJPJT4313
JPYJPMorgan Chase Bank, Tokyo,JapanCHASJPJT01-42-453539
EURJPMorgan Chase Bank, Fankfurt,GermanyCHASDEFX623-16-02308IBAN NO:
DE26501108006231602308
EURABN Amro Bank, Frankfurt, GermanyABNADEFF07370005602675019EURIBAN NO: DE96502304005602675019
AEDEmirates Bank International, Bank Relations Department, Dubai,UAEEBILAEAD0004-808439-784
AUDANZ Melbourne, AustraliaANZBAU3M568204AUD00001
AUDCommonwealth Bank,AustraliaCTBAAU2S100323201AUD112601
NZDANZ National Bank Limited,Wellington, NZANZBNZ22XXX568204NZD00001
CADBank of Nova Scotia, CanadaNOSCCATT244511
CHFUnion Bank Of Switzerland, Zurich, SwitzerlandUBSWCHZH80A02300000094169050000EIBAN No: CH070023023009416905E
DKKNordea Bank, DenmarkNDEADKKK5000015611IBAN No: SE183000000039527909511
HKDStandard Chartered Bank, HongkongSCBLHKHH447-094-0652-8
SEKNordea Bank AB, Stockholm, SwedenNDEASESS39527909511IBAN No: SE1830000000039572909511
SGDDBS Bank Ltd, SingaporeDBSSSGSG003-901438-4
SGDJPMorgan Chase Bank, SingaporeCHASSGSG0111874122

Swift Code of Banks in Indonesia

  1. ABN AMRO Bank: ABNAIDJA
  2. Hagabank: HAGAIDJA
  3. Bank Artha Graha: ARTGIDJA
  4. Bank Bumiputera Indonesia: BUMIIDJA
  5. Bank Bumi Arta Indonesia: BBAIIDJA
  6. Bank Buana Indonesia: BBIJIDJA
  7. Bank Danamon: BDINIDJA
  8. Bank Mandiri (not Bank Syariah Mandiri): BEIIIDJA
  9. Bangkok Bank: BKKBIDJA
  10. Bank Niaga: BNIAIDJA
  11. Bank Negara Indonesia (BNI): BNINIDJA
  12. Bank BNP Paribas Indonesia: BNPAIDJA
  13. Bank Resona Perdania: BPIAIDJA
  14. Bank Rakyat Indonesia (BRI): BRINIDJA
  15. Bank Bukopin: BBUKIDJA
  16. Bank Central Asia (BCA): CENAIDJA
  17. Deutsche Bank AG: DEUTIDJA
  18. Bank Mizuho Indonesia: MHCCIDJA
  19. Hongkong and Shanghai Banking (HSBC): HSBCIDJA
  20. Bank Internasional Indonesia (BII): IBBKIDJA
  21. Bank Indonesia: INDOIDJA
  22. Lippobank: LIPBIDJA
  23. Bank NISP: NISPIDJA
  24. Pan Indonesia Bank: PINBIDJA
  25. Bank Rabobank International Indonesia: RABOIDJA
  26. Bank UFJ Indonesia (formerly Bank Sanwa Indonesia): SAINIDJA
  27. Bank Swadesi: SWBAIDJA
  28. Bank Tabungan Negara (BTN): BTANIDJA
  29. Bank UOB Indonesia: UOBBIDJA
  30. Bank Permata: BBBAIDJA
  31. Bank Maybank Indocorp: MBBEIDJA
  32. Bank Chinatrust Indonesia: CTCBIDJA
  33. Woori Bank Indonesia: HVBKIDJA
  34. Bank Sumitomo Mitsui Indonesia: SUNIIDJA
  35. Bank Finconesia: FINBIDJA
  36. Bank OCBC Indonesia: OCBCIDJA
  37. Bank Kesawan: AWANIDJA
  38. Bank Commonwealth: BICNIDJA
  39. Bank Ekonomi Raharja: EKONIDJA
  40. Bank DBS Indonesia: DBSBIDJA
  41. Bank CIC International (formerly Bank Century Intervest Corp): CICTIDJA
  42. Bank Ekspor Indonesia: BEXIIDJA
  43. Bank Mega: MEGAIDJA
  44. Bank of China, Jakarta Branch: BKCHIDJA
  45. Bank Syariah Mandiri (bukan Bank Mandiri): BSMDIDJA

Tuesday, February 17, 2009

List of Syariah Banks in Indonesia

Bank Umum Syariah

Bank Muamalat Indonesia
Arthaloka Building Lt.5
Jl. Jend. Sudirman Kav.2 Jakarta 10220
Telp. 2511414/51/70

Bank Syariah Mandiri
Gedung Bank Syariah Mandiri Lt.3
Jl. MH. Thamrin No.5 Jakarta 10340
Telp. 2300509, 39839000 (Hunting)

Bank Syariah Mega Indonesia
Menara Bank Mega Lt.21
Jl. Kapt. Tendean Kav.12-14 Jakarta Selatan 12790
Telp. 7917 5500 (Hunting)

Unit Usaha Syariah Bank Umum
Bank IFI Syariah
Ariobimo Sentral, Lt. Dasar
Jl. HR. Rasuna Said X2, Kav.5 Jakarta 12950
Telp. 522 6088 (Hunting)

Bank BNI Syariah
Gedung BNI Lt.22
Jl. Jend. Sudirman Kav.1 Jakarta 10220
Telp. 5728773/91

Bank Bukopin Syariah
Gedung Bank Bukopin
Jl. MT. Haryono Kav.50-51 Jakarta Selatan 12770
Telp.7989837, 7988266 (Hunting)

Bank BRI Syariah
Gedung BRI II Lt.5
Jl. Jend. Sudirman No.44-46 Jakarta 10210
Telp. 5713116, 2510286(Direct)

Bank Danamon Syariah
Graha Surya Internusa Building 3rd Floor
Jl. HR. Rasuna Said Kav. X-0, Jakarta 12950
Telp. 2551 7198

Bank BII Syariah
Wisma Kosgoro Lt.10
Jl. MH. Thamrin No.53 Jakarta 12160
Telp. 39832600

Bank HSBC Amanah Syariah
Gedung World Trade Center Lt.4
Jl. Jend. Sudirman Kav.29-31 Jakarta 12920
Telp. 524 6656/59

Bank Niaga Syariah
Gedung Victoria Lt.2
Jl. Sultan Hasanuddin 47-51 Jakarta Selatan 12160
Telp. 726 8050/51

PermataBank Syariah
PermataBank Tower III, 1st Floor
Jl. MH. Thamrin Blok B1 No.1, Bintaro Jaya, Sektor VII Tangerang 15225
Telp. 7455888 (Hunting)

Bank BTN Syariah
Menara Bank BTN Lt.19
Jl. Gajah Mada No.1 Jakarta 10130
Telp. 633 2666/6789

Unit Usaha Syariah Bank BPD
Bank Jabar Syariah
Jl. Pelajar Pejuang ’45 No.54 Bandung 40262
Telp. (022) 7316408, 7319015, 7306608

Bank DKI Syariah
Jl. KH. Wahid Hasyim No. 153 Tanah Abang, Jakarta Pusat 10240
Telp. 3909706, 3901340, 3901466

Bank Riau Syariah
Jl. Sudirman No.628 Pekanbaru 28116
Telp. (0761) 32826, 856356

Bank Sumut Syariah
Jl. Imam Bonjol No.18 Medan
Telp. (061) 4155100

Bank BPD Aceh Syariah
Jl. Tgk.H. Muhd. Daud Beureueh No.24 Banda Aceh 23231
Telp. (0651) 229966 (Hunting)

BPD Kalsel Syariah
Gedung Bank BPD Kalsel
Jl. Brigjend. H. Hassan Basry No. 8, Banjarmasin 70123
Telp. (0511) 3350726-28

Bank BPD NTB Syariah
Jl. Pejanggik No.30 Mataram 83126 Nusa Tenggara Barat
Telp. (0370) 632582

Bank Sumsel Syariah
Jl. Kapten A. Rivai No.21 Palembang 30129
Telp. (0711) 350494, 3511867

Bank BPD Kalbar Syariah
Jl. Ahmad Yani Komplek Perkantoran & Town House No.5-6, Pontianak
Telp. (0561) 706 1800

Bank BPD DIY Syariah
Jl. Tentara Pelajar No.7 Yogyakarta 55231
Telp. (0274) 561614 (Hunting)

BPD Kaltim Syariah
Gedung BPD Kaltim Lt. I & II
Jl. Jend. Sudirman No.33 Samarinda
Telp. (0541) 735500

Bank Nagari Syariah (BPD Sumbar)
Jl. Pemuda No.21 Padang 25117 Sumatera Barat
Telp. (0751) 31577

Bank Jatim Syariah
Jl. Basuki Rachmad No.98-104 Surabaya 60271
Telp. (031) 5310090

Bank Sulsel Syariah
Jl. Dr. Sam Ratulangi No.16 Makasar 90125
Telp. (0411) 859171

Bank Kustodian Syariah
Deutsche Bank
Deutsche Bank Building
Jl. Imam Bonjol No.80 Jakarta 10310
Telp. 3193 1092, 3904792

BPR Syariah

Dewan Syariah Nasional MUI
Masjid Istiqlal Km.12 Taman Wijayakusuma, Jakarta 10710
Telp. (021) 3450932 Fax. (021) 3440889

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