{"id":17602,"date":"2021-03-01T21:48:19","date_gmt":"2021-03-01T21:48:19","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=17602"},"modified":"2021-03-01T21:48:22","modified_gmt":"2021-03-01T21:48:22","slug":"como-utilizar-o-cartao-de-credito-sem-se-endividar","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/en\/como-utilizar-o-cartao-de-credito-sem-se-endividar\/","title":{"rendered":"How to use a credit card without going into debt?"},"content":{"rendered":"
\n

Credit card debts<\/strong><\/h2>\n<\/div>
\n
\"Como
How to use a credit card without going into debt? (Image: Ag\u00eancia Brasil)<\/figcaption><\/figure>\n<\/div>
\n

The credit card is one of the most used means of payment in Brazil and in the world, however, due to its accessibility, it causes people to build up several debts with constant use. So, how to use your credit card without getting into debt?<\/p>\n<\/div>

\n

This is because, when using the credit card, the user no longer has the same attention that he would have with physical money, as he starts to have the impression that he is not going into debt.<\/p>\n<\/div>

\n

So, let's talk a little about the credit card and how it can help you in your day to day life, and how it can cause a lot of problems. <\/p>\n<\/div>

\n

Is the credit card really the villain of the story?<\/strong><\/h2>\n<\/div>
\n
\"Como
How to use a credit card without going into debt? (Image: vecteezy)<\/figcaption><\/figure>\n<\/div>
\n

As much as a villain, the credit card did not come to bring more problems to its users.<\/p>\n<\/div>

\n

In fact, it came as a way to bring convenience and ease, especially at times when the user does not have physical cash on hand.<\/p>\n<\/div>

\n

However, just as it brings several advantages, it also has disadvantages, as it gives the impression that the user is not spending money.<\/p>\n<\/div>

\n

This is because the credit card has the advantage of paying bills in installments, and thus they only need to be paid in a few days or months.<\/p>\n<\/div>

\n

So, so that the credit card only brings advantages in your life, let's list some tips that can help you in the process. Check out:<\/p>\n<\/div>

\n

7 tips for using your credit card without getting into debt<\/strong><\/h2>\n<\/div>
\n
\"Como
How to use a credit card without going into debt? (Image: UOL Economy)<\/figcaption><\/figure>\n<\/div>
\n

We separate 07 tips so you can use your credit card without getting into debt. Check it out below:<\/p>\n<\/div>

\n

Avoid installments<\/strong><\/h3>\n<\/div>
\n
\"Como
How to use a credit card without going into debt? (Image: Financeone)<\/figcaption><\/figure>\n<\/div>
\n

And our first tip, so that you can use your credit card without getting into debt, is that you avoid paying in installments.<\/p>\n<\/div>

\n

That's because when you shop to pay off in the long run, your finances can become a big mess.<\/p>\n<\/div>

\n

Because, today, you may have the necessary amounts to pay that expense, but, in the future, you may not.<\/p>\n<\/div>

\n

So, as far as possible, give preference to cash payments when purchasing with the card, or with few installments.<\/p>\n<\/div>

\n

That is, avoid making purchases in installments over several months as much as possible, because, although it seems like a great offer, in the long run, it does not bring advantages.<\/p>\n<\/div>

\n

However, this does not mean that installment purchases only bring disadvantages, but only use them in cases where there is a need.<\/p>\n<\/div>

\n

Therefore, so that you can have control over your finances, when using a credit card, remember to avoid installments.<\/p>\n<\/div>

\n

Pay attention to the payment of the invoice<\/strong><\/h3>\n<\/div>
\n
\"Como
How to use a credit card without going into debt? (Image: credit card)<\/figcaption><\/figure>\n<\/div>
\n

Another tip we have for you to use your credit card wisely is to pay attention to the payment date of your invoice.<\/p>\n<\/div>

\n

This is because late invoice payments yield high interest rates, creating even more problems for users.<\/p>\n<\/div>

\n

So, write down the closing dates of your credit card bill, so you don't forget to make the payment on the correct days.<\/p>\n<\/div>

\n

Another tip is for you to always write down all purchases made on the card, and install your bank's application on your mobile device.<\/p>\n<\/div>

\n

Well, you can do an analysis of your expense spreadsheet, along with the bank's, and if there are any differences, you can file a claim.<\/p>\n<\/div>

\n

This is important, as cases of errors in registering purchases made on credit cards are not rare, and, due to an oversight, you may end up paying more than you really should.<\/p>\n<\/div>

\n

Therefore, make a spreadsheet with your income and expenses, as well as the closing date of the invoice, best day of purchase, and payment date.<\/p>\n<\/div>

\n

This data is also important, as it can make the invoice come smaller, since the closing date of your invoice, in most cases, happens ten days before the due date.<\/p>\n<\/div>

\n

This means that, knowing exactly what the invoice closing day is, you can wait for the next invoice to make a certain purchase, rather than making a purchase that will still come on the current invoice.<\/p>\n<\/div>

\n

That is, the logic of the credit card is very simple, you just need to always have all the transactions that happen with it at hand.<\/p>\n<\/div>

\n

And, in case you have any trouble remembering to pay your invoices on time, you also have the option to schedule payment.<\/p>\n<\/div>

\n

And so, you reduce the chances of leaving your invoices overdue.<\/p>\n<\/div>

\n
\n
\n
<\/div>\n <\/div>\n
\n \n \n
\n \"\"\n <\/div>\n <\/a>\n

\n \n Get to know Dinheirama and control your finances! <\/a>\n <\/h2>\n
\n

\n Learn to control your finances with Dinheirama! <\/p>\n

\n \n Keep Reading \n <\/path>\n <\/svg>\n <\/a>\n <\/div>\n <\/div> \n \n <\/div>\n
\n
\n
\n