Posted in Bali, English, Reviews, Spa/Beauty Treatments, Tips, Travel

Leha-Leha Spa, Bali

 

When you are in Bali, you can find many places that offer spa or massage, from private/individual spa/massage that owned by personal or spa/massage that is part of hotel facilities. And there are vary in range of cost. Sometimes it is not easy to find a good spa with a good technique massage because each of us has different preference in how the massage being performed. It also depends on the therapist’s condition when they do the job at that time. Getting a reference from friend or website (for example from Tripadvisor) will help in finding the best one, that suits our preference.

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So, when I was in a need to get massage after long trip while in Bali, I read Tripadvisor and got some places to check. I made some calls, got informations about their services, prices and availability, then I went to try this Leha-Leha Spa.

This spa is owned by local, named Gusde. Located near Taksu Sanur Hotel in Sudamala street, Sanur. The place is clean and modern with touch of traditional balinese interior and decoration. Leha Leha spa has several room, including an inter-connecting couples therapy room, where guest can arrange a couple’s massage. They offer not only spa/massage, but beauty treatments as well, includes manicure and pedicure. And if you need pick up/drop off service, they can provide too. With nice and friendly staff, make the visit to this place is more enjoyable. Furthermore, the price is not that expensive. For one hour ‘Traditional Balinese Full Body Massage” is about IDR 150,000.- (plus 5% service and 10% tax). Overall, great service with fair prices. Highly recommended!

 

Detail information:

Leha-Leha Spa

Jalan Sudamala No 5, Sanur, Bali

Tel: 62-8113995510

Email:  info@balilehaleha.com

Web: http://www.balilehaleha.com

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Posted in English, Indonesian, Miscl, Reviews, Tips, Travel, Website/Online Shopping

Earning Miles via TripAdvisor (Mengumpulkan Miles Penerbangan via TripAdvisor)

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I have previously posted about “Collecting Miles without Flying”, and one of the ways is to share your vacation experiences on TripAdvisor and you will earn additional miles to be credited into your favorite Frequent Flyer that has been registered into TripAdvisor. You may write a review of your visit to restaurants, hotels, tourist spots/attractions and even your experience with airlines.

Before writing any review on TripAdvisor, please ensure to follow its terms and conditions:

  • Garuda Miles members must register on TripAdvisor to participate.
  • Mileage will only be awarded for each published review and complies with TripAdvisor content guidelines.
  • Stickers on each page of accommodation / tourist attractions / restaurants on TripAdvisor will show you how many miles to get by reviewing the property.
  • Only reviews written in Indonesian can earn miles.
  • The maximum number of Garuda Miles that can be earned is 1500 miles per month per Garuda Miles account.

For detail information, please visit https://www.tripadvisor.co.id/GarudaMiles.

I have started writing reviews on TripAdvisor from some time ago, and the photo above is a screenshot of transaction history on my Garuda Miles that have been credited by TripAdvisor.

As an illustration, if you like to redeem an award ticket with route Jakarta – Yogyakarta, you will require approximately 8,000 miles/one way/economy class (please see “Miles Redemption Calculator” to check other routes). So, if you can get the maximum number of Garuda Miles from writing reviews on TripAdvisor, you will be able to get free award ticket for Jakarta – Yogyakarta’s route in 6 months. Not bad right?

~~##~~

Untuk Bahasa Indonesia:

Sebelumnya saya pernah memposting tentang “Mengumpulkan Miles Penerbangan tanpa Terbang“, dan salah satu caranya adalah dengan memberikan review mengenai kunjungan kalian ke restauran, hotel atau tempat wisata dalam Bahasa Indonesia di TripAdvisor dan kalian akan memperoleh miles tambahan yang akan dikreditkan ke Garuda Miles kalian yang sudah didaftarkan ke TripAdvisor sebelumnya.

Namun, sebelum menulis review di TripAdvisor, agar diperhatikan persyaratan dan ketentuannya agar review kalian dinilai layak oleh TripAdvisor untuk mendapatkan miles.

Persyaratan dan ketentuannya adalah sebagai berikut:

  • Anggota Garuda Miles harus mendaftar di TripAdvisor untuk berpartisipasi,
  • Mileage hanya akan diberikan untuk setiap ulasan yang dipublikasi dan mematuhi pedoman konten TripAdvisor.
  • Stiker di setiap laman akomodasi/objek wisata/restoran di TripAdvisor akan menunjukkan berapa miles yang bisa didapat dengan mengulas properti tersebut.
  • Hanya ulasan yang ditulis dalam Bahasa Indonesia yang bisa mendapatkan miles.
  • Jumlah maksimum Garuda Miles yang bisa didapatkan adalah 1500 miles per bulan per akun Garuda Miles.

Untuk informasi detail, dapat dilihat di https://www.tripadvisor.co.id/GarudaMiles.

Saya sendiri sudah mulai memberikan review di TripAdvisor dari beberapa waktu yang lalu, dan foto diatas adalah screenshot perolehan miles yang sudah dikreditkan oleh TripAdvisor ke Garuda Miles saya, atas review yang sudah saya tuliskan di bulan Juni 2017.

Sebagai gambaran untuk contoh, redemption award tiket ekonomi Jakarta – Yogyakarta memerlukan miles sebesar kurang lebih 8.000/sekali jalan (perhitungan miles yang dibutuhkan untuk redemption award tiket rute yang berbeda dapat dilihat disini). Jadi, jika kalian bisa mendapatkan jumlah maksimum Garuda Miles dari memberikan review di TripAdvisor, kalian akan bisa mendapatkan tiket gratis untuk rute Jakarta – Yogyakarta dalam 6 bulan. Not bad kan?

Posted in Indonesian, Miscl, Money, Tips, Travel, Website/Online Shopping

Mengumpulkan Miles Penerbangan tanpa Terbang

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Mungkin sebagian besar dari kalian sudah akan bilang: “mana bisa”. Tapi saya percaya banyak juga yang sudah mengetahui hal itu bisa dilakukan karena para traveler sekarang sudah pintar mencari cara untuk mendapatkan “good deals” dalam traveling.

Ada beberapa cara untuk mengumpulkan poin/miles/mileage penerbangan tanpa kita harus terbang sama sekali. Pertama kita rencanakan dahulu, kita akan fokus mengumpulkan miles penerbangan apa, apakah dengan Air Asia, Malaysia Airline, Garuda Indonesia atau Singapore Airlines. Dengan kita memfokuskan pada satu penerbangan, pengumpulan poin tentunya akan lebih cepat. Kenapa hanya empat airline itu saja yang saya sebutkan? Karena saat ini, baru empat airline itu saja yang mempunyai Loyalty Program yang bekerja sama dengan merchant/partner lain di Indonesia selain penerbangan, sehingga kita bisa mengumpulkan miles tanpa terbang. Lion Air dan Batik Air juga mempunyai Loyalty Program, namun dua Loyalty Program ini hanya mengumpulkan poin dari penerbangan yang sudah kita lakukan.

So, beberapa cara yang dapat kita lakukan untuk pengumpulan miles penerbangan, tanpa kita terbang sama sekali, sebagai berikut:

KARTU KREDIT CO-BRAND AIRLINE

Pasti kalian mempunyai kartu kredit kan? Jika ingin fokus untuk mengumpulkan miles penerbangan, sebaiknya ganti kartu kredit kalian dengan jenis co-brand airline. Di Indonesia saat ini ada beberapa bank yang menerbitkan kartu kredit tersebut (saya fokus di empat Loyalty Program dari empat penerbangan diatas). Kartu kredit co-brand airline itu antara lain:

  • Kartu kredit BCA KrisFlyer (co-brand BCA dengan Singapore Airline)
  • Kartu kredit Citibank Garuda (co-brand Citibank dengan Garuda Indonesia)
  • Kartu kredit BNI Garuda (co-brand BNI dengan Garuda Indonesia)
  • Kartu kredit CIMB Niaga Big (co-brand CIMB Niaga dengan Air Asia)

Kelebihan dari empat kartu kredit co-brand diatas, dapat dilihat disini.

note: sampai saat ini (June 2017) Malaysia Airline yang mempunyai Loyalty Program dengan nama Enrich belum bekerja sama dengan perbankan di Indonesia untuk menerbitkan co-brand kartu kredit/debit card. Enrich baru bekerja sama dengan CIMB Bank dan Maybank di Malaysia untuk co-brand kartu kreditnya.

KARTU KREDIT NON CO-BRAND AIRLINE 

Jika kalian sudah mempunyai kartu kredit (non co-brand airline), tapi tidak mau mengganti dengan yang co-brand airline, kalian masih bisa mengumpulkan miles penerbangan dari kartu kredit jenis non co-brand ini. Setiap kalian belanja, poin dari kartu kredit tersebut dapat ditukarkan dengan miles penerbangan. Kartu kredit yang bekerja sama dengan airline untuk penukaran poin adalah dari perbankan sebagai berikut:

  • Kris Flyer (Singapore Airline): kartu kredit Amex, ANZ, BCA, BII, BN, CIMB Niaga, Citibank, Danamon, DBS, HSBC, OCBC, Panin Bank, Permata Bank, Mandiri, Standard Chartered dan UOB. Untuk detail jenis kartu kredit dan jumlah perbandingan miles konversinya, bisa dilihat disini.
  • Garuda Miles: Hampir semua kartu kredit perbankan di Indonesia bekerja sama dengan Garuda Miles. Untuk detail jenis kartu kredit dan jumlah perbandingan miles konversinya, bisa dilihat disini.
  • Enrich (Malaysia Airline): kartu kredit Amex, BII, CIMB Niaga, Citibank, HSBC, Standar Chartered dan Danamon. Untuk detail jenis kartu dan jumlah miles konversinya, bisa dilihat disini.
  • Big Air Asia: BNI, Danamon, Mandiri, Panin, CIMB Niaga, OCBC, BCA, Standard Chartered, ICBC dan UOB. Untuk detail, bisa dilihat disini.

KARTU DEBIT

Sampai saat ini, jenis kartu debit perbankan yang bekerja sama dengan airline baru dari Bank Mandiri, BNI, BRI dan BTN khusus untuk miles penerbangan Garuda Indonesia. Kelebihan dari jenis kartu debit co-brand ini, dapat dilihat disini.

Selain itu ada beberapa jenis tabungan perbankan dimana kalian bisa mengkoversikan poin di tabungan tersebut dengan miles penerbangan, yaitu: poin extra tabungan CIMB Niaga, poin reward di Tabungan Bunga Harian bank Commomwealth dan poin reward Manchester United Debit Card (bank Danamon).

PENGINAPAN/AKOMODASI

Untuk pengumpulan miles penerbangan dari penginapan/akomodasi, ada dua cara:

  • Booking langsung ke hotel terkait (pastikan memberikan nomor keanggotaan loyalty program kalian saat membuat reservasi ke hotel tersebut). Untuk detail airline yang bekerja sama dengan hotel/akomodasi ini adalah (klik link pada airline): Singapore Airline, Garuda Indonesia, Malaysia Airline. Untuk Air Asia saat ini baru: jaringan Hotel Hilton, Sunway Hotel, Tune Hotel dan jaringan Swissbel-hotel International.
  • Agen booking hotel/online hotel booking. Ada beberapa online hotel booking, dimana kita bisa booking hotel via website mereka dan sekaligus bisa mengumpulkan miles penerbangan. Website hotel booking tersebut antara lain: Agoda.com dengan program PointsMAX (detail bisa dilihat disini), Rocketmiles.com, Kaligo.com, dan Booking.com.

RETAIL/PEMBELANJAAN

Ada beberapa merchant belanja yang bekerja sama dengan airline untuk pengumpulan miles, sebagai berikut:

  • Kris Shop (Khusus untuk miles Kris Flyer/Singapore Airline).
  • Grand Indonesia. Kalian harus mendapatkan membership reward Grand Indonesia (namanya GI Card) dahulu, lalu poin reward yang terkumpul di membership tersebut dikonversikan ke miles penerbangan favorit kalian. Saat ini GI Card baru bekerja sama dengan Singapore Airline dan Garuda Indonesia. Info mengenai GI card, dapat dilihat disini.
  • Pacific Place. Mekanisme sama seperti GI Card, kalian harus mendapatkan membership reward Pacific Place (namanya Pacific Privilege Reward) dahulu, lalu poin reward yang terkumpul di membership tersebut dikonversikan ke miles penerbangan favorit kalian. Saat ini Pacific Privilege Reward baru bekerja sama dengan Singapore Airline dan Garuda Indonesia.
  • Zalora.com. Bekerja sama dengan Air Asia Big. Detail dapat dilihat disini.

REVIEW PERJALANAN

Kalian dapat menulis review mengenai kunjungan kalian ke hotel, restoran, atau tempat wisata dalam Bahasa Indonesia di TripAdvisor (untuk pengumpulan miles Garuda Indonesia dan Air Asia Big) dan Garuda Indonesia Holiday untuk memperoleh miles tambahan dari penerbangan Garuda Indonesia. Detail mengenai hal ini, dapat dilihat disini.

TELEKOMUNIKASI

Khusus pengguna Telkomsel Gold dan Priority, kalian bisa menukarkan poin reward di Telkomsel Poin dengan Garuda Miles (perbandingan konversi: 500 Telkomsel poin –> 500 Garuda Miles).

SEWA MOBIL

Untuk di Indonesia, sewa mobil yang bekerja sama dengan airline hanya Avis dan rentalcar.com, untuk pengumpulan miles Kris Flyer (Singapore Airline) dan Garuda Indonesia.

KEANGGOTAAN GYM

Khusus pendaftaran keanggotaan gym atau aktivasi paket fitnes baru dari Celebrity Fitness, kalian akan memperoleh 1,000 miles langsung. Untuk informasi lebih lanjut mengenai program ini, hubungi call center Garuda Indonesia di 08041807807 atau +62 212351999 atau outlet Celebrity Fitness langsung.

Dari beberapa alternatif pengumpulan miles diatas, pasti ada salah satu yang paling cocok untuk kalian lakukan. Dari pengalaman saya, pengumpulan miles dengan kartu kredit co-brand merupakan cara tercepat karena dengan pemakaian kartu kredit co-brand tersebut poin yang terkumpul langsung dikonversikan ke miles dan jumlah perbandingan konversi lebih bagus dibanding konversi kartu kredit non co-brand.

Selamat mengumpulkan miles untuk mendapatkan tiket terbang gratis! Jika ada pertanyaan atau masukan, feel free to leave comment 🙂

Posted in English, Quotes, Quotes & Poems, Tips

Sign that we are in healthy relationship

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A reminder to ourselves ….

  • Saying “No” without guilt or fear

  • Free to ask for what you want or need

  • Taking care of yourself

  • Saying “Yes” because you want to, not out of obligation or to please others

  • Behaving according to your own values and beliefs

  • Feeling safe to express disagreement

  • Feeling supported to pursue your own goals

  • Being treated as an equal

  • Taking responsibility for your own happiness

  • Not feeling responsible for someone else’s happiness

  • Being in tune with your own feelings

  • Knowing who you are, what you believe, what you like

  • You’re comfortable telling your partner about things that make you feel vulnerable such as worries about getting laid off.

  • When you feel stressed or upset, you turn toward your partner for comfort, rather than turning away from your partner and trying to deal with it yourself.

Posted in English, Quotes, Quotes & Poems, Tips

Motivational Quotes when You Feel Like Giving up

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Golden Tears by Gustav Klimt
  • God gives you this life because He knows that you are strong enough to live it. Dont give up.
  • God has a great plan for your life. Trust Him. 
  • Sometimes God doesn’t give you what you think you want, not because you don’t deserve it, but because you deserve better.
  • Keeps your head up. God gives his hardest battles to His strongest soldiers.
  • Remember that sometimes, not getting what you want is a wonderful stroke of luck – Dalai Lama
  • No matter who you are, no matter what you did, no matter where you’ve come from, you can always become a better version of yourself – Madonna
  • The struggle you’re in today is developing the strength you need tomorrow – Robert Tew
  • We all have times when life feels hard; when we’re frustrated and tired and just want to hide away. If that is you right now, don’t worry – every caterpillar has to rest to become a butterfly and you’ll soon find your wings again. In the meantime, let your Angels wrap you in theirs. You are so loved – Anna Taylor
  • Always remember that your present situation is not your final destination. The best is yet to come.
  • Don’t cry over the past, it’s gone. Don’t stress about the future, it hasn’t arrived. Live in the present and make it beautiful.
  • Beautiful things happen when you distance yourself from negativity.
  • You said you have tried everything. Have you tried not giving up?
  • A winner is a dreamer who never gives up.
  • You are allowed to scream, you are allowed to cry, but do not give up.
  • You are fail when you stop trying.
  • We all make mistakes. Don’t let that be a reason to give up.
  • It doesn’t matter how slowly you go, as long as you do not stop – Confucius.
  • Don’t give up because of what someone said. Use that as motivation to push harder.
  • There is always a solution for any problem, so don’t give up.
  • It always seems impossible, until it’s done – Nelson Mandela.
  • Sometimes I feel like giving up, but then I remember I have a lot of people to prove wrong.
  • We don’t grow when things are easy. We grow when we face challenges.
  • Within every problem is opportunity, don’t give up.
  • When nothing is sure, everything is possible.
Posted in English, Thought/Story, Tips

How to Get over a Break-up

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Ending a relationship is hard, whether it was your decision or the other person’s decision. You may be dealing with painful emotions and want to deal with those feelings as quickly as possible. There are several ways that you can work through your painful emotions and start to move on:

  • Fully accept that it is over. This is the hardest but most important step in letting go of a past relationship. If you are not aware and admitting to the fact that it’s over, you won’t be able to process the grief and loss. You need time to get in touch with your pain and understand your feelings. Acceptance is a form of closure that you should acknowledge.
  • Give yourself permission to grieve.  Set amount of time to deal with this emotions, to let go of your anger. Let yourself cry, scream, or whatever you need to do to get your negative emotions out. One of other good methods to get all of your feelings out is to write them down on the journal everyday until you feel better. In my own experience, cry to God was always be a powerful way to ease the heavy heart, for any reasons.
  • Remind yourself of your ex’s negative traits. Remembering on all of the things that you don’t like about your ex can help you to get over the break-up faster. Try to make a list of all of the things your ex did that you did not like.
  • Consider the reasons why you are better off without your ex. In addition to reminding yourself of everything that bothered you about your ex, you can also benefit from thinking about the positives to your breakup. Make another list of all of the reasons why you are better off without your ex.
  • Remove painful memory triggers. There are all kinds of things that remind you of your ex––a song, a smell, a sound, a place. Having these items around can make it harder for you to recover from a breakup. Remove all of the things that make your heart ache or your stomach turn. If you have a keepsake, such as a watch or piece of jewelry that was given to you by your ex, there’s nothing wrong with keeping it. But for the time being, try putting it away until you have gotten over the relationship.
  • Cut him out of your life completely. Even if you and your ex have decided to stay friends, break away completely from each other right after the break-up. This means not seeing each other, not being around his/her family members, no phone calls, no e-mails, no text messages, no Facebook, and not even stalking on every social media of his/hers. You don’t have to have stop talking forever, but you do need to cut all communications for as long as it takes to get completely over your ex. If he/she tries to convince you to see him/her, ask yourself honestly what the point would be. You may have to have some contacts in order to deal with the practical aspects of things like moving out, signing papers, etc., but try to limit this to what’s absolutely necessary, and then keep such calls/meetings polite and as short as possible.
  • Surround yourself with those who love and support you, like family or friends. The ones who will help you to feel good about yourself again and see yourself as a worth-while person.
  • Fall in love with your own life, again. Find your passion, refocus your energy and live life to the fullest. You may have given so much of yourself to the relationship that you neglected yourself and your favorite things. Being single again gives you the opportunity to be who and what you’ve always wanted to be. You can accomplish a lot while single. Take advantage of that new life, new you!
  • Remember that every failed relationship is preparing you for your dream relationship. Some people come into our lives for a brief period of time to teach us a lesson or show us to a new way of thinking. While you may have loved someone, and continue to do so, they will likely not be the only person you will ever love. If it is supposed to happen, it will. You don’t need to beg someone to love you or care for you, in the way you do for them. Open up yourself to the possibility that this ending is the beginning of something far better than you’ve ever experienced before. Believe that there is not always a “one true love” for everyone.

“Heal the Past, Live the Present, Dream the Future” 

Posted in Indonesian, Money, Tips

~ Suku Bunga Kartu Kredit Turun, Hampir 24 persen! ~

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Sebulan belakangan ini, saya sudah menerima email pemberitahuan dari penerbit kartu kredit mengenai penurunan suku bunga kartu kredit yang akan berlaku per 1 Juni 2017.

Akhir tahun 2016 lalu, Bank Indonesia memang sudah mengeluarkan peraturan mengenai penurunan suku bunga kartu kredit ini, dari saat ini 2,95 persen per bulan atau 35,4 persen setahun menjadi 2,25 persen per bulan atau 26,95 persen setahun. Penurunan bunga ini hampir sebesar 24 persen! Kebijakan tersebut dituangkan pada Surat Edaran Bank Indonesia Nomor 18/33/DKSP perihal Perubahan Keempat atas Surat Edaran Bank Indonesia Nomor 11/10/DASP tanggal 13 April 2009 perihal Penyelenggaraan Kegiatan Alat Pembayaran dengan Menggunakan Kartu.

Sesuai Surat Edaran tersebut, paling lambat enam bulan sejak tanggal 2 Desember 2016, penerbit kartu kredit wajib menerapkan batas maksimum suku bunga kartu kredit yang ditetapkan oleh BI sebesar 2,25 persen per bulan atau 26,95 persen per tahun. Batas maksimum bunga kartu kredit wajib diterapkan oleh penerbit kartu kredit untuk transaksi pembelanjaan maupun transaksi tarik tunai.

Bank Indonesia mencatat jumlah kartu kredit hanya tumbuh 2,85 persen menjadi 17,22 juta per Oktober 2016 dibandingkan posisi 16,75 juta per Oktober 2015. Dengan penurunan suku bunga kartu kredit ini, Bank Indonesia berharap dapat meningkatkan jumlah dan nilai transaksi kartu kredit, serta membantu perbankan untuk memperbaiki rasio kredit bermasalah (non-performing loan/NPL) pemegang kartu kredit. Meningkatnya NPL disebabkan antara lain oleh gagalnya pembayaran tagihan kartu kredit nasabah.

Namun, pengguna kartu kredit juga diharapkan bijaksana dalam menyikapi penurunan suku bunga kartu kredit ini agar tidak terjebak dalam masalah. Beberapa hal yang harus selalu diperhatikan adalah:

  • Kartu kredit adalah kartu hutang

Ketika kita mempunyai kartu kredit, apalagi kartu kredit jenis premium/prioritas dengan credit limit ratusan juta, bahkan mungkin 1 miliar, kita merasa wah, gengsi/prestise naik, longgar dalam berbelanja. Namun, kartu kredit sesuai namanya adalah kartu hutang, bukan harta/aset. Harus selalu diingat bahwa setiap saat kita berbelanja dengan kartu kredit, berarti kita mempunyai kewajiban yang harus kita bayarkan bulan depan. Kecuali dalam keadaan terpaksa, menghindari berhutang terutama dengan kartu kredit, akan lebih bijaksana. Penurunan suku bunga kartu kredit, meskipun hingga 24 persen, akan membantu jika kita terpaksa harus berhutang, namun tetap harus diingat bahwa kita harus membayar tambahan 2,25 persen per bulan, setiap kita berhutang dengan kartu kredit.

  • “On-time” membayar tagihan kartu kredit

Harus selalu diingat tanggal jatuh tempo pembayaran semua kartu kredit yang kita punya. Menghindari keterlambatan dalam pembayaran kartu kredit, berarti menghindari denda keterlambatan. Sayang sekali jika kita harus mengeluarkan uang hanya karena keteledoran kita saja, kan?

  • Selalu membayar tagihan kartu kredit dengan “full payment”

Penurunan suku bunga kartu kredit tidak berarti kita boleh membayar tagihan hanya sebesar “minimum payment”. Setiap kita melakukan pembayaran tagihan hanya sebesar “minimum payment”, berarti kita berhutang dan bertambah kewajiban yang harus kita bayarkan kepada bank.

  • Menghindari “Cash Advance”

Setiap kali kita menggunakan kartu kredit untuk tarik tunai di ATM (cash advance), berarti bertambah kewajiban kita karena ada biaya tambahan dari fasilitas ini yang besarnya bervariasi sesuai jenis kartu kredit, umumnya sekitar 4 persen dari jumlah nilai yang ditarik. Biaya tersebut diluar biaya bunga sebesar 2,25 persen per bulan jika kita tidak melunasi tagihan kartu kredit pada bulan berjalan.

Jadi, secara umum penurunan suku bunga kartu kredit memang bagus, namun sekali lagi kita tetap harus bijak dalam penggunaan kartu kredit agar tidak terjebak dalam hutang.

Related post mengenai kartu kredit: Manfaat Kartu Kredit.