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How to use your credit card for your advantage

Among the factors that are usually jeopardized by the family budget, credit card debt really occupies an outstanding position. This is mainly due to the high interest rates exercised by banks and card administrators, so there is little concern when buying purchases. Bad financial planning habits are the main reason for home settings. Unfortunately, the Brazilian consumer has immediate behavior and tends to ignore the value of secondary costs that it best paid to postpone the payment of the invoice or the interest accused of rotating use. And it is the great risk. Small expenses are added and, without delay, become a large amount and difficult to pay. But for people who have a healthy consumer relationship, that is, who can distinguish their needs well from their desires and resist the temptations to buy as shown around each corner, the credit card can help a lot about financial planning. Just use it correctly and take advantage of the benefits of the contract. The truth is that the credit card has resulted in the opportunity and security, as it enables immediate purchasing power, even if the consumer does not have money in the use. But to exploit the benefits, economic control is necessary, so that the person does not spend more than he can effectively pay. These consumers who do not pay full amount of the invoice risk falling into the impact of the snowball, then today, the average interest rate that is burdened in these activities is about 300% per year, one of the highest in the world. Credit cards are just Pereolo, you must realize that the credit card is only a tool, a means of payment. In that sense, for those who know how to use it, it can be a great allied. Understand that credit card debt is not the card error, but from the user. Virtually it looks like the car for the traffic accident. The driver is guilty, not the vehicle. Said this, let’s list under some basic tips that can help with the efficient use of the credit card, which means that it serves as an ally of the domestic economy, from the economic benefits it provides. How to use your credit card to your advantage Have some cards Ideally, you should have more than 3 cards. But if you have started with a financial control app, you have their effective control. Usually those who have many credit cards are complicated because they cannot handle their expenses correctly, with the exception of the likely additional cost with rents. As I have already mentioned, you must have a maximum of three credit cards, more than it is an exaggeration and entrance to consumption and therefore to debt. Another advice is only 1 credit card owner in the family, so that the dependent cards will accumulate in a common way. With the concentration of family spending on a one-loyal account, it will be easier and faster to collect points to achieve your goals. Use the card to organize your financing of the most productive ways to use a credit card is as an allied to organize personal funds, according to your budget. Many people are difficult to note all they buy every day. Therefore, focus on certain costs on the card can be an interesting solution. After all, make the most of your monthly costs seen in your monthly or partial statement, through the program, online banking and ATMs. It is, if you do not already use economic administration, of course. In fact, if you have not tested this option, I strongly suggest you test it, because it will make your financial control much easier. In any case, if you still prefer worksheets or notebook yourself, this need to use the use of the card to organize your finances, help you a lot. Because one of the benefits that the credit card offers offer can focus on the payment of several costs using a single date according to your choice. Thus, which enables better control of costs, since the invoice is very detailed. In addition, the card also facilitates the purchase of a more expensive object, delays the cost to the date on which money is available to pay

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Written by Victor

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