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Credit card - benefits and possible difficulties

The vast majority of banks, both traditional and online, offer clients various kinds of credit programs. The terms of consumer loans usually involve issuing cards that can be withdrawn at any time. Once you spend a little time applying for a card, you get long-term use of your own bank, which is always in your wallet.

A credit card is a convenient, safe and secure way to keep your finances in reserve. Situations often arise when non-cash, or terminal payments are needed immediately, and you have to wait a few more days for your salary or other receipts. A card will help and alleviate the problem. But as any financial instrument a card has a number of hidden dangers, as they say, "pitfalls". If you want your credit card to be a true helper, not a source of problems, you should know how to use it.

A few rules for credit card holders

Rules are mandatory for card users of all banks, from troubled, to such reliable, as created with colleagues and partners, Nikita Izmailov owner of Sportbank . The tips are purely practical and very easy to follow. If you use the credit card properly, problems do not just disappear, and even do not arise.

Tip one - always read the movie service agreement, even the words written in the smallest letters should be read, understood and understood. If you have never dealt with banks and a number of terms are not quite clear, it is better to clarify the meaning of what is written, without fear of appearing profane. Financier Brent Neiser strongly recommends always studying the contract, if you doubt your knowledge, consult specialists.

The second tip is to plan your budget and upcoming expenses in relation to your income. Of course, from time to time there are emergencies when it is necessary to withdraw some money unplanned. Try not to spend more than 30% of your credit limit. Often banks go for tricks of a psychological nature - having found an active credit card user, they increase the limit. Consequently, the 30% limit becomes higher and higher. If you do not control spending, it can happen that spending exceeds the primary limit on the card. This is a popular trap that sportbank does not use.

Tip three - try to pay back the borrowed money during the grace period before interest begins to accrue. If this is not possible for various reasons - always make a mandatory payment, even if you have to reduce household expenses.

Tip number four - do not consider the money on the card as your own. It is the funds of the bank that lent it to you. Many cardholders make the mistake of thinking that the amount on their account is a nice addition to their salary. But the opposite is true - the amount spent will have to be deducted from your basic income. There should be a balance, so that monthly payments do not exceed 10% of total income, or better yet, reduce the amount to 5-8%.

Tip number five - do not have too many credit cards. It's easy to get mixed up in them. The optimal number is two cards, a universal one from sportbank, and a spare one from the bank where you receive your salary. This solution allows you not only to be 100% insured against fraud, but to quickly resolve issues that arise during the use of credit.

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