Clipping of news on Brazilian Culture, Law and Citizenship
07/23/2012
This article was translated by an automatic translation system, and was therefore not reviewed by people.
So, who does not follow closely the score cards, should not should not use the card thinking of the benefit programs, much less be motivated to buy more just thinking about the accumulation of points. Therefore, Castelo Branco suggests that consumers who do not usually enjoy the rewards use credit cards only for purchases scheduled as travel or purchase of appliances.
4 - Expenditures abroad and on the Internet
The card is very handy for those who have the habit of traveling out of the country, need to rent a car or want to make a purchase online, recalls Eliana Bussinger, author of "The Pocket Diet." "If you do not have the card, is excluded from the virtual world. He is also very convenient for travel abroad, because there is no need to exchange money, "he recalls. In this case, the prepaid cards travel are a good thing, because they have a financial transactions tax (IOF) of only 0.38% on the value of purchases, against 6.38% of the common credit cards.
5 - Control of spending
The card can also help keep the budget in the black. "Nowadays you can monitor and conduct billing through internet banking. As you are doing the spending, will accompany you, "says Ricardo Pereira, financial consultant of the Consumer program, MasterCard." When the card is used properly, becomes an ally in financial control, "he says.
Check: See how your money in savings yields
But the tip only applies to those who have gotten used to check the postings on the Internet frequently. Otherwise, use the card for small purchases of the day can have the opposite effect and lead to chaos. "The consumer does not follow that spending can be lost in buying and running the risk of having to pay very high interest cards, says Castelo Branco, the Ibrafin.
6 - Escape the minimum payment
When buying more than your budget allows, many people find that to pay the credit card bill, you must commit much of their income to avoid default. In this situation, some may be tempted to make the minimum payment account, and thus, are subject to the interest on revolving credit card, which can reach 320% per year. "Suddenly, he realizes that he is making money more expensive on the market," said Mario Sergio Romano de Andrade, consultant to the Institute for Rational Organization of Work (IDORT).
Read: Do you have plans for the future and is worried about inflation?
The solution to escape this vicious circle is to combine the control of the personal budget with the savings. "So even if the savings is not enough to cover the unforeseen, will have to take a smaller loan to cover what missing," says the expert. If the consumer is not as cautious, the solution is to appeal to a cheaper loan, such as payroll, for example. So, you pays off his debt with the credit card with interest rates much lower.
7 - Escape the momentum: let your card at home a few days
Purchases made on impulse are the number one enemy who wants to finish the month in blue. As stated by Mario Sergio Romano de Andrade, the IDORT: "The credit card for those who can not use, is the best way to buy something you do not need with money you do not have." Therefore, he suggests leaving the plastic money at home a few days a week. "So why give up the paper money is far more painful, as research shows. The card has a number of invisibility, "says the writer Eliana Bussinger.
Source: Ig News
Our news are taken in full of our partner sites. For this reason, we can not change the content of these up in case of typing errors.
This article was translated by an automatic translation system, and was therefore not reviewed by people.