La credit card It is an invaluable tool for dealing with emergencies and even for accessing cash through ATMs, but misuse can have serious consequences.
Its importance is unappealable, when it comes to covering unforeseen events such as: hospitalization expenses, an unscheduled trip, vehicle repair, but access to credit should never be confused with an salary extension.
The proper use of the card brings important benefits, such as a history that strengthens it as a subject of credit.
In order for our associates to make proper use of their credit cards, we list a series of factors that must be taken into account:
- Before using the card, find out if you can pay. If you exceed it, you can get into financial difficulties.
- Keep all the receipts of the purchases paid with the card, in order to keep track of the expenses and be verifying that your account statement is correct and, consequently, the amounts correspond to the purchases made.
- Schedule your card payment on time, to avoid paying late interest.
- Reduce the interest payment by paying twice the minimum, or more, of the minimum amount established in the contract. If you cover the entire credit, you save the interest payment.
- Limit yourself to having a single card, so you can better control your expenses. If you have used two or more cards and feel that the economy is getting out of control, unify the debts.
- Never sign a blank proof of purchase. The voucher must record, in its presence, all the data related to the purchase.
- Do not lend the card to anyone, because you are responsible for the debts that are acquired through it. For your safety, do not disclose the card's PIN (personal identification number) to anyone.
- Keep the entity that provided you with the card informed of your location. Information regarding your account statements and eventualities that may occur in case of loss or theft of the card will be arriving at the updated address.
Remember: the credit card is a mechanism created to provide solutions.
On the basis of the benefit provided by this financial instrument, Coopealianza RL makes available to its associates the VISA-Coopealianza credit cards. They are quality products that have the backing of one of the Costa Rican cooperatives with greater stability, trajectory and projection. Consult to advise 2785-3000.