Credit cards are quite convenient and much cheaper option than the various loans or loans in retail outlets, which is why they have become today so popular.Recently, however, as the use of credit cards has become very popular, banks have decided to use this to your advantage by introducing various additional commissions on transactions, even if the person has decided to pay by credit card any purchase.That's why everyone should have to know how to use a credit card.
The main advantage of this card is called that you get it only once, after which you can spend for its great number of transactions, as the use of credit cards, you have the right at its complete discretion.For example, one credit card you can take different periods of time and then extinguish loans any number of times.
for each particular borrower's bank defines a limit on the map - this is the maximum amount that is available to him.That kind of money a person can dispose of any convenient number of times.
Credit cards combine all the advantages of short-term loans, which are issued by some networks and a variety of non-target loans at registration which the bank does not ask any unnecessary questions about what exactly where a person is going to spend the money.The card holder has access to borrowed money, much faster than any consumer who decided to use the Express loan.
Dear delay
If you do not already know how to use a credit card, be sure to ask about the bank's employees.The card may have limited opportunities for shopping or other activities.
Repayment of the credit card must be about to happen in the following way: at the end of each month, the bank sends the user to the card, or SMS message on his email that he has to pay interest on the credit card, as well as the amount he has tomake.Often, this percentage ranges from 5 to 10% of the total loan amount.
In some cases, the bank initially records the size of the payment, regardless of what amount of the loan was taken.Overdue payments, in the same way as in the case of registration of a standard loan, shall be punished by the laying of a fine.Must be previewed in your contract every single point and specify exactly what amount will be charged at delay your payment because the use of credit cards quite dangerous if you know that you can overdue.To date, the delay in payment - one of the main methods of fraud banks.
And it is worth to say that the first payment is likely to be the amount still is not as significant as for the next, so it is well to check with a bank representative or paragraphs of the treaty.
free credit
Often when you make a loan, many banks prefer to give the customer a fixed term for repayment of the payment before the expiration of which the loan amount will be borne by different percentages.Depending on the bank such term is, in most cases, from one to two months.It should also be remembered that if you have expired will be at least one day after the deadline, you will need to have to pay interest and those which would have accrued during that time.
is also worth noting that such machinations are turned by banks under the cover name of "free credit" when a person makes out a loan without interest, for example, year and a half, but then begins to pay incredible money, how to use credit cards for freehe could under the contract turns out to be only a few months.
SMS-banking
Immediately after your card is activate the service SMS-banking.This service will provide maximum security for your card, as you will be informed by phone about absolutely every operation with your account.
