Many people are curious, is there a way to pay off a credit card without paying? Is it possible that all credit card loans that have been in arrears and buried for months or even years can be removed without being paid? Not to mention there are some statements that reveal that credit card debt that has been piled up can be considered paid off on its own because it has been accompanied by insurance. To be clearer and answer the statement, let’s look at the following points:


“He said using insurance could free up the obligation to pay credit cards?”



Some reveal that the insurance contained on a credit card can be a way to pay off a credit card without paying. Though there are mistakes that people do not know. The insurance contained in a credit card is not immediately available, you must register first. This means that you also have to pay insurance premiums regularly every month. So, if you never recorded a bill paying credit card insurance, it means that the card you have has not been accompanied by these paid facilities.

In addition, having insurance does not mean you can get rid of outstanding credit card payments. Usually new insurance applies and can be a way to pay off a credit card without paying if the owner of the card dies or is permanently disabled. If the case is experienced, it means that all arrears costs can be immediately released and do not need to be repaid.


In fact, Credit Card Debt can be ‘inherited’ to the family if the card owner dies

 In fact, Credit Card Debt can be 'inherited' to the family if the card owner dies


Another fact that you need to know is that credit card arrears owned by the card owner can also be passed on to the family. This of course applies if the deceased does not facilitate insurance costs on his credit card. So, even if the card owner dies, the family left behind has an obligation to pay it off. If not, of course the bank will still be pursued through a debt collector.


Means There Is No Way To Pay Off A Credit Card Without Paying


Means There Is No Way To Pay Off A Credit Card Without Paying


If indeed the credit card is not equipped with insurance that the dependents of the dependents have died / experience permanent disability, which has been protected by insurance, it means that the obligation to pay off arrears will still apply. But don’t worry, if you don’t find a way to pay off your credit card without paying, you can still take advantage of credit relief or restructuring programs to be able to pay off credit card debt until it is paid off and free from a bad IDI Historical score.

What is Credit Relief / Restructuring Program?

According to Bank Indonesia Regulations ,   Credit restructuring is an improvement effort made by the Bank in lending activities to debtors who have difficulties in fulfilling their obligations. The results of this credit restructuring can usually alleviate customers so that they can better afford to pay. There are several types of relief programs that can be obtained, for example: getting a discount on credit, deductions with extended installments, or a combination of both.

These three programs certainly can relieve you, so you do not need to spend a lot of money that is burdensome to pay off the remaining debt. The following is an explanation of each lightening program that can relieve your credit card debt:

One-time discount / discount

This type of relief program allows customers to reduce their total debt to smaller amounts. As the name implies, even though the customer gets a discount in his debt (generally 20-50%), they must pay directly in one payment. In some cases, this one relief program can give cardholders a discount of up to 70%.

Extended Installments with Low Interest

Unlike the discount program in one pay, this one program is suitable for those of you who are financially less. In short, customers who have credit card arrears or KTA arrears can extend their installment tenure to be lighter, the interest earned is lower than the prevailing interest rate in general. If the normal interest currently running is in the range of 2.25%, then it is possible to get interest of only 0-2%.

Installment Discounts

Another program with this one, this type of program is a combination of the two types of programs above, namely customers get a discount and the remaining payments can be made in installments. The bank will also see the conditions experienced by the customer first. If the customer has supporting conditions that make it more difficult to pay off the debt, then it is likely that they can get this program (provided that the bank in question has the program).

After knowing various programs that you can use to remain free of debt, but in a way that alleviates, the next step is to find out through which programs can be obtained. One way to get the program is through a company that provides a debt management program. Companies like this usually have consultants who can give you the best advice for paying off debt.

A consultant like this is needed so you can choose which type of relief program is better and in accordance with the financial conditions that you currently have. Not only that, if you have several debts at the same time with various interest rates, of course choose your own advantages and disadvantages. Consultants can help decide which type of debt must be completed first, and how to manage finances you must do.

Third parties like this can also give you additional benefits in the form of time savings. This will certainly be felt for those of you who have credit card debt in several debts at once. You do not need to bother handling debt one by one, the consultant can represent you to meet with the bank and resolve the debt problem. Meanwhile, you can focus on finding income that can later be allocated to pay off debt. The leisure time that you have can also be used to look for side jobs which of course can help you pay off debts faster.

To get help from experienced and professional consultants like this, you can use Brighella’s services.

Brighella international   is the first technology-based professional services company in Indonesia, which provides a debt management program. This program is designed so that consumers who are in debt, have the ability to control their finances again. Brighella Indonesia helps clients through debt management programs, which are specifically designed according to different needs for each client. This program is a combination of education on various opportunities to increase income and reduce expenditure, as well as conduct negotiation processes on existing bank debt requirements to reach the amount of payment that is in accordance with the ability. Brighella Indonesia’s headquarters was established in Jakarta in 2015 by a founding team that has collective experience in the financial sector including debt settlement for more than two decades. Brighella made Indonesia as the center of operations as well as a blueprint for the company’s development plan to other ASEAN countries. Since July 2016, Brighella Indonesia has become the first company in Asia to get   accreditation   from the International Association of Professional Debt Arbitrators (IAPDA).

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