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Presupuestos: Acércate Cada Vez Más a la Libertad Financiera Creando Sencillos Métodos Para el Manejo del Dinero y Asà Conseguir Salir de Deudas Volum
Hardcover
Publisher Price: $25.99
ISBN13: 9781647771577
Publisher: Aiditorial Books
Published: Dec 29 2019
Pages: 58
Weight: 0.39
Height: 0.25 Width: 5.00 Depth: 8.00
Language: Spanish
En ocasiones, no has sentido que las tarjetas de crédito son tu peor enemigo? Sus altos intereses pueden llegar a asfixiarte, y si no tienes dinero y por eso acudes a tus tarjetas de crédito, qué te hace pensar que realmente tendrás para pagarlas luego? Y peor aún, pagar sus intereses?
Las tarjetas de crédito pueden llegar a ser un gran aliado siempre y cuando sepamos utilizarlas con inteligencia. En muchos momentos estamos un poco cortos de dinero, y requerimos de un poco de ayuda financiera para salir de la misma. Una tarjeta de crédito nos brinda ese colchón de apoyo en momentos apretados en los que no tenemos para pagar algo, pero debemos tener en cuenta que debe ser de uso exclusivo para emergencia, o en su defecto, para usar el crédito cuando estemos completamente seguros de que podremos pagarlo a corto plazo, pues su uso también nos puede suponer un aumento en el lÃmite crediticio.
Según Wikipedia, La tarjeta de crédito es un instrumento material de identificación, que puede ser una tarjeta de plástico con una banda magnética, un microchip y un número en relieve. Es emitida por un banco o entidad financiera que autoriza a la persona a cuyo favor es emitida a utilizarla como medio de pago en los negocios adheridos al sistema, mediante su firma y la exhibición de la tarjeta. Es otra modalidad de financiación, por lo tanto, el usuario debe asumir la obligación de devolver el importe dispuesto y de pagar los intereses, comisiones bancarias y gastos. Entre las más conocidas del mercado están: Visa, MasterCard, American Express, Discover, JCB, UnionPay y Mir, entre otras.
Cuando solicitas una tarjeta a alguna entidad financiera, debes tener en cuenta que tienes que contar con un historial crediticio sano, sin penalizaciones ni historias de malos pagos, pues el banco evalúa todo lo mencionado antes de aprobar la tarjeta. Una vez que la tarjeta sea aprobada, debes procurar pagarla a tiempo, no retrasarte mucho tiempo con los pagos y procurar cumplir con los pagos mensuales de la misma, para evitar retrasos y que se generen intereses por mora, que, aunque para el banco puede ser algo atractivo porque necesita generar dinero para su entidad, no es conveniente para ti como portador de tarjeta que se te generen intereses, pues ya no solo debes contemplar o programar el pago de tu deuda capital, sino también que debes programar el pago de tu deuda de intereses.
En este material de ayuda te explicaremos las técnicas de uso correcto de tu historial crediticio y te enseñaremos técnicas para el correcto uso de tu tarjeta de crédito, para sacarle el máximo provecho, y puedas no solo evitar, sino salir ileso de las malas deudas que a veces las tarjetas de crédito te pueden generar.
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