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Towards the end of the year is when most people use credit cards the most for their holiday shopping. However, to a greater or lesser extent, and without it being any special date, also is a common way to pay in most establishments. The interesting thing is to know when it is more convenient to swipe the card and in cases it is advisable to refrain from doing so.
First of all, it is advisable to ask yourself if you will be able to pay the card on time and in full when the invoice arrives, Otherwise, up to one day of delay, extra charges will be incurred derived from the interest generated.
Now, there are some situations where it is recommended and practical to use plastic, such as the purchase of plane tickets, payments for hotel accommodation and even the vehicle rental, this by virtue of the amounts required and the uncomfortable, as well as risky, nature of carrying large sums of money.
For e-commerce purposes, when making a purchase, the first thing a supplier will request is a tar credit card, which generally also implies the possibility of deferring payments to months without interest.
In addition, in the event of a fraudulent operation with the plastic or its key, there is the advantage that once the operation is reported, the issuer will investigate and the cardholder will not be responsible for the position.
Regarding recurring payments in shopping centers and some establishments where credit cards are accepted, it is advisable to use them, as they generate a history and open the possibility of it being extended the line of credit to later carry out larger operations. However, if you did not have good control of expenses, the suggestion is better to pay in cash , otherwise, by the cut-off date of the card, more than what is possible to pay will have been spent.
Against Contrary to what might be expected, what several experts recommend avoiding paying with plastic is the acquisition of a vehicle , because in addition to generating a considerable commission, strangely sounds, it also limits the possibility of accessing other discounts that dealerships offer to their customers.
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