Posiadacze kart kredytowych, uważaj!

Posiadacze kart kredytowych, uważaj!

Żaden współczesny człowiek nie powinien być złowiony bez karty kredytowej, ale posiadacze karty kredytowej uważają. Jest więcej wad w posiadaniu tego paska z tworzywa sztucznego niż życie bez niego, ponieważ gdy zapomniałeś płatności za kartę kredytową, musisz to zrobić. Oto jak uniknąć pułapki na odwrócenie dotyku Midasu.

Pay Or Borrow as You Go?

Wabiczanie kart kredytowych jest nieodparte. Masz siłę nabywczą w sytuacjach lepkich – płacąc rachunek za nagły wypadek lub wynajmując samochód. Możesz mieć kartę swiped gdziekolwiek i zawsze. Właściciele kart kredytowych mają również krawędź dokonywania zakupów w firmach akceptujących płatności kartą kredytową.

Za pomocą karty kredytowej możesz pójść do dowolnego miejsca na świecie i zjeść kolację lub koktajle w eleganckim barze restauracyjnym, nie martwiąc się o zapłatę w dokładnej nominacji. Ale ten przywilej nie jest bez odpowiedzialności.

Posiadacze kart kredytowych powinni mieć świadomość, że ich karty kredytowe nie powinny tworzyć zadłużenia, ale utorować drogę do uzyskania dobrego kredytu. Jeśli planujesz otrzymanie wielu kart kredytowych, zastanów się dwa razy, zanim zdecydujesz się na opóźnienie w płatnościach, opłatach dodatkowych i opłatach za transakcje za osobliwy nieodpowiedzialny sposób płacenia zakupów kart kredytowych późno.

Późne płatności automatycznie generują odsetki, które powodują powstanie nie do pokonania długów, a hrabstwo idzie w parze z wartościami kredytowymi. Jeśli chodzi o karty kredytowe, to kwestia samooceny i odpowiedzialności, ponieważ nie każdy może dobrze zarządzać swoimi długami na karcie kredytowej. Inni lepiej płacą w miarę podróży, a nie swipe swoich kart kredytowych w dowolnym momencie.Image result for credit

Wybierz kartę kredytową w sposób mądry

Zwykle podczas zakupów nowej pary butów szukasz stylu, komfortu i przystępności. To samo dotyczy kart kredytowych. Możesz wybrać kartę kredytową, która jest dostosowana do Twoich potrzeb.

Poświęć trochę czasu na porównanie ofert kart kredytowych. Uważaj na te niskie lub teaser stopy procentowe w okresie miesiąca miodowego przed siekierą spada. Jeśli chodzi o stawkę za zwoje, to trwa około sześciu miesięcy przed rzeczywistością. Porównuj roczne stawki, które mogą zjeść jakieś oszczędności, które można było od razu skorzystać z niskich stawek na początku.

Uprawnieni posiadacze kart kredytowych wiedzą, że istnieją karty, które mają takie same stawki, ale nie będzie roczna opłata. Więc dobrze wyreguluj wyszukiwanie karty kredytowej, która nie pobiera grzywien stromych i zaskoczy Cię ukrytymi opłatami.Zanim otrzymasz kartę kredytową, dowiedz się, jak posiadacze kart kredytowych radzą sobie z kradzieżą tożsamości lub kradzieżą kart kredytowych.

Aby korzystać z przywilejów oferowanych posiadaczom kart kredytowych, należy zapłacić należne kwoty na czas, a ostatecznie możesz poprosić o obniżenie rocznej stopy procentowej lub APR, korzystanie z nagród i innych ofert, które mogą się wyczerpać. Dowiedz się też, jeśli firma z kartą kredytową pobierze opłatę zmienną lub stałą.

Jeśli nie jesteś ostrożny

Oto scenariusz, jeśli wziąć kart kredytowych lekko. Będziesz przytłoczony stóp procentowych, które będą rzeczy z koszmary. Zastanów się nad tym – firmy zajmujące się kartami kredytowymi mogą zmieniać reguły w dowolnym momencie, gdy czują potrzebę. Mogą podnieść stopę procentową za każdym razem, gdy spóźniasz się z płatnościami. Firmy karty kredytowej naliczają odsetki karne aż o 30% za 100 USD, które zaniedbałeś zapłacić. Co sadzicie o wonga.

Zanim otrzymasz kartę kredytową, dowiedz się, jak posiadacze kart kredytowych radzą sobie z kradzieżą tożsamości lub kradzieżą kart kredytowych.

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