{"id":18901,"date":"2021-03-16T21:01:32","date_gmt":"2021-03-16T21:01:32","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=18901"},"modified":"2021-03-16T21:01:35","modified_gmt":"2021-03-16T21:01:35","slug":"pagamento-minimo-do-cartao-de-credito-vale-a-pena","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/ro\/pagamento-minimo-do-cartao-de-credito-vale-a-pena\/","title":{"rendered":"Merit\u0103 plata minim\u0103 cu cardul de credit?"},"content":{"rendered":"<!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"0-evite-d%C3%ADvidas-no-cart%C3%A3o-de-cr%C3%A9dito-\"><strong>Evita\u021bi datoria cu cardul de credit<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Evite d\u00edvidas no cart\u00e3o de cr\u00e9dito (Imagem: OMES)\"  id=\"18909\" src=\"https:\/\/ucarecdn.com\/098ab5dc-1a3d-47a4-97a3-eebe75f6ef78\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">Evita\u021bi datoria cu cardul de credit (Imagine: OMES)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A de\u021bine primul card de credit este \u00eenceputul unui vis, p\u00e2n\u0103 \u00een momentul \u00een care trebuie s\u0103 decide\u021bi dac\u0103 s\u0103 face\u021bi sau nu plata minim\u0103. Asta pentru c\u0103 limita de credit cre\u0219te \u0219i dorin\u021ba de a cheltui mai mult este \u0219i mai mare. Cu toate acestea, toate aceste avantaje pot c\u0103dea la p\u0103m\u00e2nt dac\u0103 nu ai bani s\u0103 pl\u0103te\u0219ti toat\u0103 factura la sf\u00e2r\u0219itul lunii.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen aceast\u0103 situa\u021bie este foarte u\u0219or s\u0103 pierzi controlul asupra datoriilor \u0219i s\u0103 ajungi cu un nume murdar. Prin urmare, este posibil s\u0103 fi auzit de cineva care a intrat \u00eentr-un \u201ebulg\u0103re de z\u0103pad\u0103\u201d. Acest lucru se datoreaz\u0103 datoriilor de pe cardul revolving. Dar aici ve\u021bi \u0219ti ce s\u0103 face\u021bi c\u00e2nd nu exist\u0103 bani pentru a pl\u0103ti factura total\u0103 a cardului.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Plata minim\u0103 te poate pune \u00eentr-o situa\u021bie mai proast\u0103 dac\u0103 nu \u0219tii s\u0103-\u021bi organizezi datoriile, \u00eentruc\u00e2t suma devine din ce \u00een ce mai mare. Acest lucru se datoreaz\u0103 dob\u00e2nzii, taxei de \u00eent\u00e2rziere, dob\u00e2nzii de \u00eent\u00e2rziere la plat\u0103 \u0219i IOF. Ei fac ca suma facturii de luna urm\u0103toare s\u0103 fie din ce \u00een ce mai inaccesibil\u0103 \u00een bugetul dumneavoastr\u0103.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u0218tim c\u0103 problemele cu cardurile genereaz\u0103 multe \u00eentreb\u0103ri. De aceea am preg\u0103tit aceast\u0103 postare pentru a v\u0103 alerta \u0219i a v\u0103 ar\u0103ta de ce nu ar trebui s\u0103 pl\u0103ti\u021bi factura minim\u0103. R\u0103m\u00e2ne\u021bi cu noi pentru a afla totul despre plata minim\u0103.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"1-como-funciona-o-pagamento-m%C3%ADnimo-no-cart%C3%A3o-de-cr%C3%A9dito-\"><strong>Cum func\u021bioneaz\u0103 plata minim\u0103 pe cardul de credit?<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Como funciona o pagamento m\u00ednimo no cart\u00e3o de cr\u00e9dito? (Imagem: Exame)\"  id=\"18912\" src=\"https:\/\/ucarecdn.com\/1f9535b6-f2e7-403c-8624-533a74ec0bac\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">Cum func\u021bioneaz\u0103 plata minim\u0103 pe cardul de credit? (Imagine: examen)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Plata minim\u0103 este de obicei indicat\u0103 l\u00e2ng\u0103 suma total\u0103 a facturii, este o sum\u0103 mult mai mic\u0103 dec\u00e2t totalul \u0219i mul\u021bi o aleg pentru c\u0103 este o ac\u021biune simpl\u0103. \u00cen plus, pentru a efectua plata, clientul nu are nevoie s\u0103 negocieze cu firma, decizia fiind din ce \u00een ce mai practic\u0103.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Plata minim\u0103 nu este altceva dec\u00e2t resursa oferit\u0103 clientului care nu poate pl\u0103ti integral factura. C\u00e2nd se pl\u0103te\u0219te minimul, clientul intr\u0103 \u00een rota\u021bia cardului, ceea ce \u00eenseamn\u0103 c\u0103 nu va fi \u00een default \u0219i nici nu va avea cardul blocat.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pe de alt\u0103 parte, restul facturii care nu a fost pl\u0103tit\u0103 este v\u0103zut\u0103 ca un \u00eemprumut. Apoi, se percepe pe urm\u0103toarea factur\u0103 plus dob\u00e2nd\u0103 foarte mare \u0219i comisioane de \u00eent\u00e2rziere pentru suma pe care nu a\u021bi pl\u0103tit-o.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"2-vale-a-pena-fazer-o-pagamento-m%C3%ADnimo-no-cart%C3%A3o-de-cr%C3%A9dito-\"><strong>Merit\u0103 s\u0103 face\u021bi plata minim\u0103 pe cardul dvs. de credit?<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Vale a pena fazer o pagamento m\u00ednimo no cart\u00e3o de cr\u00e9dito? (Imagem: FDR)\"  id=\"18917\" src=\"https:\/\/ucarecdn.com\/ad2d1ca5-2907-432b-ab01-ddb1fe9eb067\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">Merit\u0103 s\u0103 face\u021bi plata minim\u0103 pe cardul dvs. de credit? (Imagine: FDR)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Alternativa de plat\u0103 minim\u0103 poate fi una dintre cele mai proaste decizii pe care le ve\u021bi lua vreodat\u0103. Prin urmare, fi\u021bi con\u0219tien\u021bi de regulile \u0219i fiecare procedur\u0103 a acestei resurse care vi se ofer\u0103. La urma urmei, ceea ce este \u00een joc aici sunt banii t\u0103i. \u0218i \u0219tii foarte bine c\u0103 nu cade din cer s\u0103 pl\u0103te\u0219ti dob\u00e2nd\u0103 \u0219i dob\u00e2nd\u0103 mai abuziv\u0103.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>S\u0103 v\u0103 d\u0103m un exemplu: Carla are o factur\u0103 de R$ 1.000,00 reale, dar nu va putea pl\u0103ti \u00eentreaga sum\u0103 luna aceasta. Deci, ea opteaz\u0103 pentru rotativ \u0219i pl\u0103te\u0219te suma minim\u0103 de 150,00 reale. \u00cen acest caz, va datora R$ 850,00 care va fi finan\u021bat luna viitoare.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pe R$ 850,00 Carla va pl\u0103ti \u0219i suma dob\u00e2nzii revolving (\u00een jur de 15.85%), comision de \u00eent\u00e2rziere (2% pe lun\u0103), dob\u00e2nd\u0103 de \u00eent\u00e2rziere (1% pe lun\u0103) \u0219i IOF (Impozitul pe Opera\u021biuni de Credit, Schimb \u0219i Asigur\u0103ri). Deci urm\u0103toarea factur\u0103 va merge de la R$ 850,00 la R$ 948,72. Adic\u0103, doar R$ 98,72 taxe.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dac\u0103 Carla continu\u0103 s\u0103 \u00eemping\u0103 datoria \u00een fiecare lun\u0103 pe revolving, pl\u0103tind \u00eentotdeauna minimul, observa\u021bi c\u0103 suma va cre\u0219te treptat \u00een fiecare lun\u0103. Prin urmare, \u00een \u0219ase luni datoria care era de doar R$ 1.000,00 p\u00e2n\u0103 la R$ 1.708,90 a f\u0103cut ca datoria s\u0103 se \u00eenmul\u021beasc\u0103, cresc\u00e2nd astfel bulg\u0103rele de z\u0103pad\u0103.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen acest fel, plata sumei minime nu va face dec\u00e2t s\u0103 pl\u0103ti\u021bi \u0219i mai mult \u00een fiecare lun\u0103. \u0218i odat\u0103 cu aceast\u0103 acumulare de datorii, devine din ce \u00een ce mai dificil s\u0103 pl\u0103te\u0219ti totul \u0219i s\u0103 ai din nou lini\u0219te \u00een pl\u0103\u021bile tale.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"3-vale-mais-a-pena-o-pagamento-m%C3%ADnimo-ou-o-parcelamento-da-fatura-\"><strong>Merita plata minima sau rata facturii?<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Vale mais a pena o pagamento m\u00ednimo ou o parcelamento da fatura? (Imagem: EduardoMoreira)\"  id=\"18919\" src=\"https:\/\/ucarecdn.com\/c86fad63-5bcb-4f1e-9ef8-29d9969196e5\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">Merita plata minima sau rata facturii? (Imagine: EduardoMoreira)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Fie c\u0103 alege\u021bi s\u0103 pl\u0103ti\u021bi factura \u00een rate sau s\u0103 pl\u0103ti\u021bi acea sum\u0103 minim\u0103 aproape nesemnificativ\u0103 fa\u021b\u0103 de total, aceste alternative, de\u0219i par atractive, v\u0103 vor cere mult\u0103 organizare \u0219i planificare financiar\u0103 pentru a putea pl\u0103ti totul. .<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Finan\u021barea se face \u00een rate din c\u00e2te vede\u021bi, iar plata minim\u0103 este plin\u0103 de dob\u00e2nzi abuzive \u0219i amenzi care v\u0103 fac s\u0103 pl\u0103ti\u021bi mai mult dec\u00e2t datora\u021bi cu adev\u0103rat. Adic\u0103 aceste alternative nu te vor ajuta pe termen lung.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Aminti\u021bi-v\u0103 c\u0103 se pot \u00eent\u00e2mpla evenimente neprev\u0103zute \u0219i complica \u0219i mai mult, \u00eempiedic\u00e2ndu-v\u0103 s\u0103 onora\u021bi pl\u0103\u021bile, cresc\u00e2nd riscul de neplat\u0103.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Prin urmare, indiferent de regul\u0103, idealul este s\u0103 pl\u0103te\u0219ti \u00eentreaga sum\u0103 a facturii f\u0103r\u0103 s\u0103 pl\u00e2ngi. A\u0219a \u00ee\u021bi pl\u0103te\u0219ti angajamentele \u0219i nu \u00eempingi aceea\u0219i datorie \u00een ziua urm\u0103toare, care se acumuleaz\u0103 \u0219i devine mai mare. Astfel, a fi liber s\u0103 faci noi achizi\u021bii f\u0103r\u0103 a percepe dob\u00e2nzi, amenzi sau taxe este cea mai bun\u0103 op\u021biune.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"4-novas-regras-do-cart%C3%A3o-de-cr%C3%A9dito-\"><strong>Noi reguli pentru carduri de credit<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Novas Regras do Cart\u00e3o de Cr\u00e9dito (Imagem: Serasa)\"  id=\"18920\" src=\"https:\/\/ucarecdn.com\/71acf0a6-87d3-4d66-a9d3-e99c28721f5d\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">Noi reguli pentru cardul de credit (Imagine: Serasa)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pentru a proteja consumatorul \u00eempotriva datoriilor nepl\u0103tibile, Banca Central\u0103 a schimbat regulile cardului de credit. \u00cencep\u00e2nd cu 3 aprilie 2017, clien\u021bii f\u0103r\u0103 bani pentru a achita \u00eentreaga sum\u0103 a facturii vor putea petrece maxim 30 de zile pe serviciul rotativ.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Adic\u0103 \u00een luna urm\u0103toare nu va mai exista o op\u021biune de plat\u0103 minim\u0103, oblig\u00e2nd clientul s\u0103 aleag\u0103 \u00eentre: plata \u00eentregii sume sau plata facturii \u00een rate prin negociere cu banca. Conform noii reguli, ai garan\u021bia c\u0103 valoarea comisionului \u00een rate va fi mai mic\u0103 dec\u00e2t rata dob\u00e2nzii \u00eemprumutului revolving.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen cele din urm\u0103, suma minim\u0103 va fi disponibil\u0103 din nou numai atunci c\u00e2nd clientul pl\u0103te\u0219te \u00eentregul sold restant fie integral, fie \u00een rate. Aceast\u0103 regul\u0103 \u00eenseamn\u0103 c\u0103 clientul nu intr\u0103 \u00een bulg\u0103re de z\u0103pad\u0103, adic\u0103 plata dob\u00e2nzii la dob\u00e2nd\u0103.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>O alt\u0103 modificare semnificativ\u0103 este c\u0103 p\u00e2n\u0103 \u00een iulie 2018, serviciul minim de revolving era limitat la 15% din factur\u0103, adic\u0103 \u00eentr-o factur\u0103 de R$ 1.000,00 reale, clientul a pl\u0103tit minimul pentru R$ 150,00 reale.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cens\u0103 de atunci, regula s-a schimbat \u0219i institu\u021bia financiar\u0103 nu mai este legat\u0103 de 15%, put\u00e2nd stipula procentul minim al facturii \u00een func\u021bie de profilul consumatorului, de produs, sau de riscul opera\u021biunii. Prin urmare, minimul se poate schimba mai mult sau mai pu\u021bin.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"5-o-que-fazer-para-evitar-o-pagamento-m%C3%ADnimo-no-cart%C3%A3o-de-cr%C3%A9dito-\"><strong>Ce trebuie s\u0103 face\u021bi pentru a evita plata minim\u0103 pe cardul dvs. de credit<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"O que fazer para evitar o pagamento m\u00ednimo no cart\u00e3o de cr\u00e9dito (Imagem: Celos)\"  id=\"18921\" src=\"https:\/\/ucarecdn.com\/4bb97d94-863e-41ac-905b-4aa395c01e20\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">Ce trebuie s\u0103 face\u021bi pentru a evita plata minim\u0103 pe cardul dvs. de credit (Imagine: Celos)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Aici vei afla principalele sfaturi pentru a evita plata minim\u0103 \u0219i a avea lini\u0219te sufleteasc\u0103 la sf\u00e2r\u0219itul lunii. Dar, \u00een primul r\u00e2nd, \u0219tii c\u0103 cel mai bun mod de a se \u00eent\u00e2mpla acest lucru este s\u0103 investe\u0219ti \u00een educa\u021bia ta financiar\u0103. Acesta este un subiect despre care se vorbe\u0219te rar \u00een Brazilia \u0219i vom \u00eenv\u0103\u021ba s\u0103 avem grij\u0103 de banii no\u0219tri doar \u00een momente de nevoie sau c\u00e2nd avem complica\u021bii la SPC sau Serasa.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A\u0219adar, nu l\u0103sa pentru mai t\u00e2rziu \u0219i investe\u0219te-\u021bi timpul organiz\u00e2ndu-\u021bi finan\u021bele \u0219i cheltuielile lunare. Afla\u021bi acum c\u00e2teva ac\u021biuni pe care le pute\u021bi \u00eentreprinde pentru a nu c\u0103dea \u00een credit revolving.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"6-estabele%C3%A7a-um-limite-de-gasto-com-o-cart%C3%A3o-de-cr%C3%A9dito-\"><strong>Seta\u021bi o limit\u0103 de cheltuieli cu cardul de credit<\/strong><\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Estabele\u00e7a um limite de gasto com o cart\u00e3o de cr\u00e9dito (Imagem: Di\u00e1rioReservence)\"  id=\"18922\" src=\"https:\/\/ucarecdn.com\/9e064741-641e-49bf-9b2a-e73aeec462fb\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">Seta\u021bi o limit\u0103 de cheltuieli cu cardul de credit (Imagine: Di\u00e1rioReservence)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>C\u00e2nd sunte\u021bi recunoscut de c\u0103tre institu\u021bia financiar\u0103 ca un bun pl\u0103titor, ea v\u0103 las\u0103 limita de credit din ce \u00een ce mai mare pentru a cheltui pe orice dori\u021bi. Totu\u0219i, cu c\u00e2t limita pe care \u021bi-o acord\u0103 este mai mare, cu at\u00e2t dorin\u021ba de a cheltui este mai mare.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Aceast\u0103 libertate de a cheltui totul pe card te poate face s\u0103 pierzi controlul asupra datoriilor tale \u0219i s\u0103 nu realizezi c\u0103 cheltuie\u0219ti mai mult dec\u00e2t de obicei. Iar c\u00e2nd factura ajunge \u00een sf\u00e2r\u0219it la sf\u00e2r\u0219itul lunii, sumele sunt exorbitante, aproape imposibil de pl\u0103tit.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>De aceea este important s\u0103 stabili\u021bi o limit\u0103 de cheltuieli cu cardul dvs. Astfel nu ri\u0219ti s\u0103 cheltuie\u0219ti mai mult dec\u00e2t c\u00e2\u0219tigi \u0219i s\u0103 nu po\u021bi pl\u0103ti mai t\u00e2rziu.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"7-evite-parcelamentos-longos-\"><strong>Evita ratele lungi<\/strong><\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Evite parcelamentos longos (Imagem : InfoxNet)\"  id=\"18925\" src=\"https:\/\/ucarecdn.com\/847b8bde-4dc7-4f84-977d-46c4b69f93a4\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">Evita\u021bi pl\u0103\u021bile \u00een rate lungi (Imagine: InfoxNet)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u0218tim c\u0103 ratele sunt o oportunitate excelent\u0103 pentru oameni de a cump\u0103ra produse de mare valoare \u00een p\u0103r\u021bi pe lun\u0103 \u0219i adesea f\u0103r\u0103 dob\u00e2nd\u0103. Prin urmare, folosi\u021bi aceast\u0103 oportunitate cu \u00een\u021belepciune.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Riscul pe care \u00eel asuma\u021bi pl\u0103tind \u00een 12 rate este pur \u0219i simplu s\u0103 ave\u021bi o parte din venit angajat\u0103 pentru un an \u00eentreg. \u0218i \u00eentre timp, pot ap\u0103rea cheltuieli nea\u0219teptate sau doar lipsa de control financiar din partea dvs. care compromite plata la sf\u00e2r\u0219itul lunii.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Prin urmare, atunci c\u00e2nd efectua\u021bi pl\u0103\u021bi, opta\u021bi pentru pl\u0103\u021bi spot c\u00e2t mai mult posibil. Instalarea unui telefon mobil \u00een 12 rate, de exemplu, te poate face s\u0103 pierzi controlul asupra pl\u0103\u021bii atunci c\u00e2nd suma se adaug\u0103 la alte achizi\u021bii pe care le-ai pl\u0103tit \u0219i \u00een rate.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Prin urmare, evitarea ratelor lungi v\u0103 ofer\u0103 mai mult\u0103 siguran\u021b\u0103 pentru a v\u0103 folosi cardul f\u0103r\u0103 a v\u0103 complica \u00een viitor.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dar pentru a face rate mari, fii cu ochii pe toate cheltuielile tale \u0219i organizeaz\u0103-le \u00eentr-o foaie de calcul. \u00cen acest fel, vei \u0219ti \u00eentotdeauna c\u00e2nd \u021bi-au trecut cele mai mari datorii, astfel \u00eenc\u00e2t s\u0103 po\u021bi face alte achizi\u021bii semnificative cu \u00eencrederea c\u0103 vei putea pl\u0103ti.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"8-n%C3%A3o-fa%C3%A7a-compras-por-impulso-\"><strong>Nu face\u021bi cump\u0103r\u0103turi impulsive<\/strong><\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"N\u00e3o fa\u00e7a compras por impulso (Imagem: OnzeInvestimentos)\"  id=\"18926\" src=\"https:\/\/ucarecdn.com\/189e49f7-aea6-4db3-902b-41f24e6c4efa\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">Nu cump\u0103ra\u021bi din impuls (Imagine: OnzeInvestimentos)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Acea v\u00e2nzare flash care dureaz\u0103 p\u00e2n\u0103 ast\u0103zi poate a\u0219tepta dac\u0103 vrei. In general, magazinele ies la vanzare la date comemorative si semnificative pentru piata, asa ca alege sa astepti, fii la curent cu datele si organizeaza-te financiar pentru a profita de urmatoarea reducere.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Acesta este un sfat foarte important. Evit\u0103 pe c\u00e2t posibil s\u0103 faci achizi\u021bii impulsive, deoarece astfel pierzi \u0219ansa de a face o achizi\u021bie cu adev\u0103rat necesar\u0103 cu cardul pentru c\u0103 ai cheltuit deja prea mult.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pentru ca acest lucru s\u0103 func\u021bioneze, nu-\u021bi lua cardul de credit peste tot cu tine, te poate face s\u0103 cheltuie\u0219ti pe articole inutile care nu au fost planificate pentru asta. A\u0219adar, pentru a nu risca s\u0103 te complici la sf\u00e2r\u0219itul lunii, \u00eenva\u021b\u0103 s\u0103 te controlezi financiar.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Poart\u0103 cardul cu tine doar atunci c\u00e2nd pl\u0103nuie\u0219ti s\u0103 faci o achizi\u021bie, dac\u0103 mergi peste tot cu el vei fi u\u0219or convins de promo\u021bii \u0219i produse de care nici nu \u0219tiai c\u0103 ai nevoie.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"9-avalie-a-necessidade-de-um-empr%C3%A9stimo-pessoal-online-\"><strong>Evalua\u021bi necesitatea unui \u00eemprumut personal online<\/strong><\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Avalie a necessidade de um empr\u00e9stimo pessoal online (Imagem: AnjoCred)\"  id=\"18927\" src=\"https:\/\/ucarecdn.com\/9d6cdf1b-1a3c-4ba0-8cb2-7ba134fa1ea5\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">Evalua\u021bi necesitatea unui \u00eemprumut personal online (Imagine: AnjoCred)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cemprumutul personal cunoscut \u0219i sub denumirea de credit personal este oferit de institu\u021biile financiare \u0219i este u\u0219or accesibil, o op\u021biune pentru cei care au nevoie de bani rapid pentru circumstan\u021be neprev\u0103zute sau pentru achitarea datoriilor.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Exist\u0103 op\u021biunea de portabilitate a creditului \u00een care este posibil s\u0103-\u021bi transferi datoria c\u0103tre o alt\u0103 institu\u021bie financiar\u0103 cu condi\u021bii mai bune. Cre\u0219terea astfel competitivit\u0103\u021bii \u00eentre institu\u021bii.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Aceast\u0103 opera\u021biune este un drept al consumatorului \u0219i \u00ee\u0219i propune s\u0103 ofere condi\u021bii mai echitabile pentru brazilienii care \u00eenc\u0103 pl\u0103tesc scump pe multe linii de credit din cauza lipsei acestor informa\u021bii.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Astfel ai ocazia sa schimbi o datorie scumpa cu una mai ieftina, imbunatatind termenele de plata si reducand dobanzile.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"10-j%C3%A1-me-enrolei-nos-juros-do-rotativo-e-agora-\"><strong>M-am implicat deja \u00een interesul revolving, acum ce?<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"J\u00e1 me enrolei nos juros do rotativo e agora? (Imagem: Nextin)\"  id=\"18929\" src=\"https:\/\/ucarecdn.com\/a32d0a41-a9b7-4aad-ab1c-c21068b565f0\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">M-am implicat deja \u00een interesul revolving, acum ce? (Imagine: Nextin)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dac\u0103 problema cu cardul dvs. de credit este cronic\u0103, lua\u021bi \u00een considerare cu seriozitate anularea acestui serviciu. Pe de alt\u0103 parte, dac\u0103 a fost o situa\u021bie unic\u0103 care te-a luat pe nepreg\u0103tite, po\u021bi s\u0103 faci pace cu ea \u0219i s\u0103 \u00eencepi s\u0103 o folose\u0219ti cu modera\u021bie.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dac\u0103 v-a\u021bi pierdut vreodat\u0103 interesul pentru cardul dvs. de credit revolving card, nu v\u0103 face\u021bi griji, exist\u0103 o cale de ie\u0219ire de la toate. Acum este timpul s\u0103 negociem datoria \u0219i s\u0103 o pl\u0103tim c\u00e2t mai cur\u00e2nd posibil.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>\u00cencepe prin a deveni con\u0219tient de suma total\u0103 a datoriei tale \u0219i a \u00een\u021belege care sunt drepturile tale ca consumator care \u00ee\u021bi datoreaz\u0103 pentru a nu c\u0103dea \u00een practici abuzive.<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Nu mai utiliza\u021bi cardul p\u00e2n\u0103 c\u00e2nd ob\u021bine\u021bi controlul financiar \u0219i pl\u0103ti\u021bi datoriile.<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Ad\u0103uga\u021bi datoriile \u0219i c\u00e2t c\u00e2\u0219tiga\u021bi pentru a ob\u021bine o medie a ratelor pe care le pute\u021bi pl\u0103ti pe lun\u0103, astfel \u00eenc\u00e2t s\u0103 pute\u021bi lua \u00een considerare o posibil\u0103 plat\u0103 \u00een rate<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>De asemenea, pute\u021bi lua un \u00eemprumut \u0219i achita datorii scumpe, schimb\u00e2nd dob\u00e2nda abuziv\u0103 de pe card cu dob\u00e2nda la \u00eemprumut care poate fi negociabil\u0103 \u0219i mai mic\u0103.<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Astfel, nu va trebui s\u0103 face\u021bi plata minim\u0103 pe cardul dvs. de credit pentru c\u0103 nu ave\u021bi suficiente resurse pentru a achita factura \u0219i nici nu va trebui s\u0103 v\u0103 complica\u021bi cu datorii necontrolate.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z1fJHLX\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorpanda.com\/ro\/8-opcoes-de-cartao-de-credito-com-nome-sujo\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"8 op\u021biuni de card de credit cu un nume murdar\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/f82f8808-ec9f-4d82-9d58-5f8955ab0a20\/\" alt=\"\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorpanda.com\/ro\/8-opcoes-de-cartao-de-credito-com-nome-sujo\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"8 op\u021biuni de card de credit cu un nume murdar\">\n            8 op\u021biuni de card de credit cu un nume murdar        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            \u0218tia\u021bi c\u0103 este posibil s\u0103 solicita\u021bi un card de credit chiar dac\u0103 ave\u021bi un nume murdar? Vezi cele mai bune op\u021biuni de pe pia\u021b\u0103 \u0219i alege-\u021bi pe ale tale.         <\/p>\n        <div class=\"flex mt-6 w-full flex-1 justify-center ml-auto md:mt-4 md:justify-start\" style=\"font-weight: bold;\">\n          <a class=\"inline-flex items-center\" href=\"https:\/\/senhorpanda.com\/ro\/8-opcoes-de-cartao-de-credito-com-nome-sujo\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Continua s\u0103 cite\u0219ti            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" class=\"w-4 h-4 ml-2\" viewbox=\"0 0 24 24\">\n              <path d=\"M5 12h14M12 5l7 7-7 7\"><\/path>\n            <\/svg>\n          <\/a>\n        <\/div>\n      <\/div>  \n          \n    <\/div>\n      <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? 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Citi\u021bi textul \u00een \u00eentregime!<\/p>","protected":false},"author":13,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[25,38],"tags":[179,304,303],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v18.7 (Yoast SEO v19.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Pagamento m\u00ednimo do cart\u00e3o de cr\u00e9dito vale a pena?<\/title>\n<meta name=\"description\" content=\"Sabe aquela possibilidade de pagamento somente um valor m\u00ednimo da fatura do cart\u00e3o de cr\u00e9dito e acumular o valor? Ser\u00e1 que vale a pena? 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