Solicitaste un nuevo plástico en el banco de tu preferencia, tienes la información necesaria para el uso adecuado de la tarjeta crédito, el asesor te da todos los lineamientos, fechas de corte, pago, beneficios, tasa de interés, pero, ¿en algún momento te dieron los instructivos de como usar tarjetas de crédito?, ¿qué es lo más recomendable pagar con ellas y que no?
En promedio más del 62 por ciento de los clientes en bancos nacionales se han endeudado con cifras que sobregiran el límite estipulado en el contrato inicial de la apertura de la tarjeta de crédito.
Los hábitos que llevamos en el uso de los plásticos son situaciones que tienen solución, pero dependen mucho de la educación financiera y del grado de entendimiento que se tiene sobre los métodos de pago.
Para ello, te damos los errores más comunes que cometemos al usar tarjetas de crédito y como evitarlos.
Errores al utilizar tarjetas de crédito
No utilices tu tarjeta de crédito para pagar a plazos.
Lo que si es recomendable es hacerlo siempre y cuando sea a meses sin intereses y las compras que hagas, tenga un plazo de pago que puedas hacer. De lo contrario si haces cualquier tipo de compra a plazo, estarás pagando intereses por no saber como funcionan las tasas aplicables.
- Maneja como máximo dos tarjetas de crédito.
Puedes utilizar como máximo dos tarjetas de crédito que cumplan con tus necesidades. Una con la que hagas los gastos diarios, como gasolina, teléfono, el súper etc. Y otra, en donde tengas planes a meses sin intereses. De esta manera evitaras perder el control con ambos plásticos y terminar pagando más de la cuenta.
- Paga a tiempo tus plásticos.
Olvidar la fecha de pago es un error que te costará. El banco toma acciones que se reflejan en las comisiones por pago atrasado e intereses moratorios. Es por ello, que es de suma importancia tener como prioridad el banco que más alto interés tiene, en caso de que se complique el pago.
- Evita las disposiciones en efectivo.
Para muchos sacar efectivo de una tarjeta de crédito y de debito es casi la misma. Pero están olvidando que tendrán que pagar una comisión por disposición que va del 5 al 10% del monto que se retire.
- Evita los llamados “gastos hormiga”.
Nos referimos a los “beneficios” que no son justificables o que simplemente no se utilizan y que se cobran por anualidad. Este es uno de los errores más frecuentes que cometemos sin darnos cuenta. Para esto es necesario determinar si realmente estos beneficios son tangibles y si vale la pena tenerlos como para hacer un gasto anualmente.
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