There is a very famous saying that goes like this: 'Who loves, cares.” This old saying, which is passed down from generation to generation, can also be practiced in your relationship with your credit card or personal loan. Knowing how to save with a credit card is essential to avoid unwanted surprises.
It is necessary to be responsible when applying for a credit card, to be extra careful so that it is not used against you. Or rather, against your finances. After all, do not confuse credit with available cash.
The essential expert tip is: did you have your card approved? Don't go out buying what you want and what you don't want so much, it's important to select the card that's best for you. Thus, you learn to save with a credit card from the moment you choose your shopping companion.
As the year is just beginning, it's worth trying to do your financial planning to save with your credit card and achieve your medium and long-term goals.
Understand that choosing your credit card is already one of the items to be considered in this planning. In addition to making conscious use of the card, there are ways you can spend less to have one.
Card options that are available to make:
The first comment pantry. Just type in search sites: NUBANK. Very good rating among users! Then it goes to DIGIO, then to INTER, then to the SUPER Card, and so on, there are several options to apply online.
Don't get bogged down with debt, always try to pay the invoice in full
This for one reason only. To be free from high revolving interest payments, this command is vital, as well as paying until maturity.
If you are unable to pay the bill in full, the tip is to pay the monthly balance in full. It's that account: the more you pay, the more savings you'll have with interest applied in the long term.
Be prudent, have few cards
In fact, have one or two at most more for the option of different payment dates. In addition to centralizing purchases on a single card, which can be worthwhile when you have reward program, having few cards is an incentive to buy less (is it not your case?).
This applies not only to the issue of free annuity, as mentioned above. But also for you to be aware of the terms of use, avoiding unpleasant surprises.
