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During your credit life, many people have had problems with financial institutions because of credit cards, we recommend you carefully follow these suggestions:
It is important to have budgeted payments for handling fees and commissions.
Some cards offer you as additional benefits, medical assistance services, road and travel accident insurance; These can increase the minimum charge to pay, if you do not need them you can cancel them.
We do not recommend having many credit cards, it is more difficult to control them and you will pay more in commissions.
You must know how you can block your card in case of loss, theft or theft and how you can replace it. You should also verify that your card is valid abroad and what fees apply.
Schedule the payments of your credit card before the deadline, as if it were one more of the monthly expenses, like the payment of the energy, the water or the telephone; this way you will avoid late charges.
Check the account statement monthly, so you know that the initial balance matches the previous account statement and spent with vouchers or proof of purchase.
The credit card is money that ultimately belongs to the bank and not to us, and that sooner or later we will have to pay with interest and commissions; therefore, only what can be paid is spent.
If you have any claim or disagreement with the financial institution they will ask for all the corresponding documents and vouchers, so keep them.
At the time of making a purchase with your credit card it is important that you keep in mind the date on which you receive your income, the cut-off date and the date of payment of the card, thus you have more time between the purchase and the payment.
If you already have several cards, we recommend consolidating them into one card, offering greater benefits and lower interest rates.
Always keep in mind the expiration date of the card, so you will avoid being rejected just when you need it.
The money paid for interest increases with the amount of installments in which you defer your payments.
Never give the card to take it to another place to do the operation, you should always be able to see it.