Gestun Kredivo, Pengertian, Cara, Resiko dan Pilihan Jasa Gestun

 

Gestun Kredivo dipilih saat pengguna membutuhkan uang tunai dan bukannya pembelian barang dengan cicilan. Mulai marak pada generasi awal Kredivo saat mereka belum menyediakan layanan pinjaman tunai. Pada awal kemunculannya, Kredivo sudah menawarkan limit saldo hingga 30 juta. Pengguna yang mendapatkan limit saldo besar namun tidak memiliki kebutuhan pembelian barang, atau hanya membeli satu atau dua saja masih menyisakan limit yang banyak. Biasanya mereka inilah yang coba-coba melakukan gestun.

 

Apa itu Gestun Kredivo?

Gestun Kredivo adalah gesek tunai Kredivo. Yaitu pencairan limit saldo Kredivo dengan proses tertentu yang tujuan akhirnya berupa dana tunai. Gesek tunai menjadi hal yang umum dilakukan untuk mencairkan limit saldo pada sebuah layanan kredit menjadi uang tunai. Sebuah kebiasaan yang mulanya dilakukan oleh para pengguna kartu kredit.

Misal pengguna Kredivo memiliki limit saldo sebesar 10 juta. Ia ingin melakukan tarik tunai sebesar 5 juta. Pengguna akan diminta melakukan transaksi pembelian barang seharga 5 juta dengan tenor cicilan 12 bulan misalnya. Namun karena sudah ada perjanjian sebelumnya, pengguna tidak mendapatkan barang yang dibelinya melainkan uang tunai sejumlah 5 juta tadi. Pembayaran cicilan tetap dilakukan sesuai tanggal jatuh tempo karena secara prosedur itu adalah transaksi pembelian barang. Padahal pengguna mendapatkan uang tunai dalam genggaman.

Kenapa tidak mengajukan pinjaman tunai saja di Kredivo? Bukankah sama saja bahkan lebih praktis. Iya benar, itu lebih mudah dan praktis. Namun kelebihan yang dimiliki gestun adalah ia bisa melakukan penarikan hingga limit saldo maksimal yang dimiliki sedangkan pada pinjaman tunai nominal yang diperbolehkan adalah sebesar limit saldo 6 bulan atau hanya bisa dicicil selama 6 bulan saja.

Gestun sebenarnya tidak diperbolehkan oleh penerbit layanan. Alasannya karena limit saldo yang diberikan sudah ditetapkan tujuannya dan tidak diperkenankan menggunakan diluar ketentuan. Namun karena transaksi gestun kerap samar, penerbit tidak bisa membedakan mana transaksi gestun dan mana yang Real.

Keuntungan Gesek Tunai Kredivo

Gestun ditempuh karena bisa “mengakali” sistem yang dibangun. Pada gestun Kredivo, pengguna bisa mendapatkan :

>  Dana tunai dari yang seharusnya layanan kredit

>  Bisa mengajukan sampai maksimal limit dan tenor

Kerugian Gesek Tunai Kredivo

Gestun bukan tanpa kekurangan. Sebagai transaksi yang dilarang, pastinya memiliki efek buruk. Kerugian gesek tunai Kredivo diantaranya :

  • Ada biaya layanan yang harus dibayarkan
  • Rawan tertipu penyedia jasa gestun, kecuali jasa gestun yang sudah terpercaya seperti penyedia di “gestun lancar”
  • Jika terdeteksi akunnya akan di banned

Cara Gestun Kredivo

Cara Gestun Kredivo akan tergantung dari prosedur yang digunakan oleh penyedia yang kamu gunakan. Biasanya mereka akan memberitahu tata cara untuk melakukan gestun sebelum transaksi dilakukan. Namun secara umum, langkah-langkahnya akan seperti ini.

Waktu yang dibutuhkan: gak sampai 15 menit.

Cara gestun Kredivo :

  1. Cari penyedia

Temukan merchant yang menerima layanan gestun seperti   https://gestunlancar.com .

  1. Pahami alur proses

Cari tahu tata cara atau prosedur yang digunakan. Pastikan kamu memahaminya dari awal sampai akhir.

  1. Lakukan transaksi

Lakukan transaksi gestun sesuai ketentuan sebelumnya.

  1. Finalisasi

Selesaikan transaksimu sesuai prosedur di Kredivo.

  1. Ambil dana tunai

Jika transaksi sukses hubungi penyedia dan mintalah danamu.

Dari 5 langkah diatas, yang akan berbeda variasinya adalah nomor 2 dan 3. Pada kedua nomor tersebut prosesnya akan tergantung penyedia gestun yang kamu gunakan. Prosedurnya bisa bermacam-macam dan kadang berbeda antara penyedia satu dengan lainnya. Meski prosesnya bisa beragam, intinya adalah melakukan transaksi dengan menggunakan limit saldo Kredivo untuk kemudian membelokkan tujuan akhirnya.

Jasa Gestun Kredivo

Meski memiliki banyak variasi, secara garis besar jasa gestun Kredivo dibedakan menjadi 2 tipe. Yaitu jasa gestun offline dan online. Khusus untuk tipe online memiliki lebih banyak variasi karena melibatkan merchant ketiga. Berikut detail masing-masing tipenya.

Gestun Offline

Gestun offline adalah cara gestun yang paling tua. Tipe ini yang paling sering digunakan karena pencairan dananya instan. Kelebihan gestun offline adalah lebih aman karena kamu berhadapan langsung dengan penyedia gestun sehingga meminimalisir penyimpangan. Sedang kekurangannya adalah kamu akan kesulitan mencari jasa gestun terdekat yang ada di sekitarmu.

Gestun di Tokopedia

Gestun Tokopedia masuk tipe gestun online. Melibatkan Tokopedia sebagai merchant ketiga tempat melakukan transaksi. Kamu melakukan transaksi seperti biasa di Tokopedia, membayarnya dengan Kredivo dan melibatkan proses pengiriman juga. Namun barang yang kamu terima bisa berbeda dari yang kamu pesan karena hanya untuk formalitas proses di Tokopedia. Kelebihan gestun Kredivo di Tokopedia adalah kamu bisa dengan mudah menemukan penyedianya. Namun kekurangannya adalah kamu harus mencari jasa gestun yang bisa dipercaya.

Gestun di Shopee

Gestun di Shopee juga termasuk gestun online karena Shopee adalah marketplace atau toko online. Di Shopee tersedia cukup banyak Seller yang menawarkan transaksi gestun. Sama seperti gestun online pada umumnya, mudah mencari penyedianya namun sulit menemukan yang bisa dipercaya.

Resiko dari Gesek Tunai Kredivo

Sebenarnya gestun Kredivo lebih besar resikonya dibanding manfaatnya. Terlebih jika jasa gestun yang kamu gunakan sudah terlalu sering melakukan transaksi. Sistem Kredivo termasuk salah satu yang handal dimana sudah didesain untuk mengidentifikasi transaksi fiktif semacam ini. Gestun dan beragam jenis transaksi merugikan lain adalah pola yang sudah mereka pelajari dan setiap harinya dilakukan pemberantasan. Dari sekian banyak kasus akun Kredivo terblokir sementara, sebagian besar diantaranya disebabkan karena ketahuan melakukan transaksi gestun yang fiktiv.

Jika ingin bermain aman, hindari gestun Kredivo yang tidak jelas, kecuali bila menggunaka jasa dari “gestun lancar”, Toh sekarang kamu bisa mencairkan limit saldo yang ada melalui layanan pinjaman tunai yang meski memiliki keterbatasan setidaknya ada jalan baik-baik yang mereka sediakan. Sistem Kredivo bisa mentraking histori transaksimu jika pernah melakukan gestun. Sayang, akun yang sudah repot-repot kamu dapatkan, sudah dibela-belain menggunakan kode referal Kredivo biar acc harus di blokir permanen karena transaksi gestun yang belum dipercaya.

 

Catatan

Kebetulan “Gestun Lancar” juga melayani pencairan limit kredivomu, karena dari berbagai testimoni – testimoni kebanyakan para pengguna merasa puas dengan pelayanannya yang jujur, amanah, cepat tanpa nunggu lama, anda tinggal hubungi nomor kontaknya yang tersedia di halaman website ini, gak pakai lama keinginanmu untuk memperoleh dana segar akan segera tercapai, tentunya dengan aturan yang berlaku agar sama-sama saling menguntungkan.

Jika ingin mencari jasa  gestun Kredivo yang amanah dan terpercaya, pelayanannya cepat, abaikan jasa gestun yang lain, segera gunakan jasa gestun dari “gestun lancar”.

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