Initially, the credit card is one of the most used sources of credit in Brazil. That's because, in addition to being a practical and safe way to make payments, it also brings other advantages, but, as well as the pros, there are also cons such as interest rates! So, what care should you take with your credit card for negatives?

Well, let's show you what precautions you need to take with your credit card so as not to fall into the traps they present, such as paying in installments for purchases with high interest rates and even a high bill limit! Then read on!

Well, the credit card for negatives can be a great way to be able to make purchases in installments and still have access to different products and services, such as on online sites and in physical stores. In this, the number of buying opportunities also increase!

However, the card is also a tool that generates a big headache if you don't know how to use it. That's because credit card interest rates are usually very high and what used to be advantageous can complicate the name even more!

So, here are some tips for you to use your credit card the right way and without having to worry so much! Check out!

At first, the first tip is for you to analyze your credit card fees and charges. That's because, regardless of the credit card, in the vast majority of them, the rates are usually very high.

So, when choosing a credit card, pay attention to the annuity and installment purchase fees. There are cards that do not charge annuity and there are cards that charge, but offer proposals to reset the annuity while using the card!

That is, make an analysis of each card's fees and tariffs. It is important to mention that digital banks usually charge cheaper fees than conventional banks! So search them all!

Another credit card tip for negatives is not to spend more than your credit limit. This is because, when this happens, high interest rates are also charged. In some cases, banks may exempt these fees, find out with your bank how it works in case of extrapolating the credit limit.

So, ideally, the limit should never exceed 50% of your income, but if you exceed this amount, avoid making recurring purchases with the card to preserve the limit!

Well, avoiding long credit card installments for negatives is also important. That's because, the interest of the revolving, IOF and fines for the installments come into action. So, be very careful when choosing purchase installments, always looking for the smallest amount of installments!

In this tip, we also recommend paying attention to card payment. This is because, in every invoice, you can pay the minimum amount of the card, but unpaid amounts are increased by interest, IOF and late fees, and must be paid in the following months.

Therefore, the tip is for the total invoice to be paid, even if you are having a bad month. Again, we go into the tip of having a limit of 50% of your income and spending only what is necessary, so that the invoices are not extremely expensive!

Avoid additional cards! This tip can be a little more difficult, especially for people who are married or have children who are looking for additional cards for their spouse or child. But, this is a risk for finances, which can become a real financial catastrophe.

So, it is recommended that you have as few cards as possible, to be able to handle paying all bills and fees! Therefore, if you want to have a credit card for negatives, only have one!

To close our credit card tips for negatives, the last and as important as the others is to be careful with credit card fraud. This is because the number of people who suffer scams with cloned cards in Brazil increases every year, hence the importance of knowing how to protect yourself.

So, first of all, never enter your card security code. This number is the 3-digit number on the back of your credit card known as the CVV.

It is very important and necessary for internet shopping. That is, never inform the CVV to anyone, not even through a call or message. That's because, no company will be called asking for the CVV number.

Also, be careful when shopping at stores. That is, when you pass your card through the machines, be careful to avoid your card being photographed or the data being written down by someone who is close to you!

Another tip is not to buy from sites that are not safe. That is, try to buy on websites of stores that are already known or that have been on the market for more years. Search the Complain here website about the store to find references or complaints and compliments.

Also, do not trust messages or emails with suspicious links. When in doubt, never click on them to avoid having leaked data!

Also, always check your card statement! This way, you can find out if you have any expenses that you did not make, and contact the bank to take the necessary measures!

Therefore, the credit card can be a great ally, as long as we know how to use it with due care! So, don't leave it for later and look for the best credit card for negatives today, with zero annuity, international coverage and with the security and convenience you need!