Is a credit card a good idea? Many people know the power of debt that cards generate, but what about their benefits?
Do you know the many benefits that buying with your credit card can bring? When you are going to make a purchase and there is no discount for paying in cash, is it better to pay with a credit card?
We want to show you that a credit card is not always a bad idea, in fact, if used well it can be a great idea.
Some banks have numerous benefits, even rewards for their account holders who use their credit cards. If you don't have benefits on your card, you're wasting time.
Understand why we defend the use of credit cards as a great shopping option.
How to use your credit card without getting into debt?
At first, it is not uncommon to find people in debt, and most of these people blame their credit cards. Thus, little by little, the credit card took on a villainous role in finance.
However, a large number of people are able to use the card healthily, in this way, we realize that the fault lies in the use. Obviously the card is not to blame.
The credit card cannot be seen as an extension of your income, this is the main problem for those who get into debt. These people look at their card as if it were an extension of their income.
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This way, they end up spending without remembering that the invoice will arrive and will need to be paid. As the use was unplanned, they end up not being able to pay the invoice, or going into revolving debt.
This attitude causes the debt to greatly increase in value, as interest rates are extremely high. Thus, the number of people who end up in debt grows daily.
Another common factor in those who go into debt on their cards is purchasing in installments, the commitment to their income only increases. Since there are installments, plus the monthly expense that will appear on the invoice.
So why do we believe that credit cards are a good idea?
Benefits that a credit card will bring you
Firstly, some stores make installments easier on the card, even removing the interest. This attitude makes purchasing easier for people who can plan their budget.
Having a credit card means having access to more purchases, even over the internet, this way, you can take advantage of offers more easily.
However, a very interesting benefit offered by banks are miles, so you can exchange your spending for miles that earn you trips.
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In other words, the more expenses you have on the card, the more miles you accumulate, then simply exchange them for airline tickets. This way, your vacation will be cheaper, providing leisure.
And it's not just miles, you earn points to exchange for products, as well as points that will be exchanged for money in the account.
Think about it with me, if you buy a product with your credit card and get something from your bank, it's better than buying through debit and getting nothing.
Knowing how to use your card can be very profitable for your life, consult the Bank of Brazil and learn about your benefits plan. Or another bank of your choice.
