Credit Cards usage and recommendations Now we will proceed with our recommendations regarding the use of the credit cards, considering that these recommendations are strictly personal and as such they may operate differently depending on the person who put them into practice. Now we will detail down below our recommendations for the use of credit cards. It is absolutely necessary to understand that credit cards are a loan and that by signing the agreement with the bank that facilitates the pledge card to pay consumer accredited our cards on the date indicated by the bank amounts. "We must settle our debt on or before the date indicated by the bank" Credit cards have a spending capacity and this capacity depends on the consideration or range that the bank gives us, ie the financial institution may limit the maximum amount of our credit card depending on your financial capacity. "We must not exceed the limit of our credit cards to avoid paying overdraft fees" We have to note that credit cards are based on cycles, these cycles may vary depending on the lender, but these are handled in a similar way, eg we have a cycle of consumption of one (1) month after we make such consumption during that period we have a grace period of approximately 20 days to pay the consumptions made during the 30 days preceding the time of grace so. "If possible, we make consumption after the cutoff date of our cards and the first 10 days of the 30 day cycle of consumption, this to have more time to produce the money to pay off such consumption" Our revenues represent our ability to output, if we perceive a lot of money and our fixed costs represent 60% of such revenues, our ability to spend is the remaining 40%. "Our capacity will be our reference for conducting credit card consumption, ie, we should not spend more than our financial strength allows us" Please visit us soon for more posts related to the use of credit cards tips, we will post the 2nd part of this publication in the upcoming weeks. Other Related Articles in ZX9 Play Blog! ZX9 Play Blog! Credit cards were designed as a loan to provide cardholders the ability to manage their personal finances without the need to have the money on hand because of the dangers of carrying cash now a day.
As part of out goal to provide the information that our readers deserve we at ZX9 Blog! would like to bring another of our highly rated articles from our spanish site. PERSONAL LOANS? , this time in english for all those english reader around the world that asked for more posts in their language. Personal Loans The personal loans are part of the financial services offered by commercial banks and the same depends on market conditions. The bank in this case serves as issuer of the personal loan, this kind of loan is also known as a consume loan, conditions vary depending on the financial capacity of person asking for the loan. Interest payment are the highest among banks loans portfolio and may or may not ( at discretion ) of the issuing bank to require a personal guarantee or warranty just like in a real estate loan.
Personal loans and consumption loans are used by borrowers to purchase items or services that are larger than their immediate financial capacity, ie if the borrower requires an amount in excess of its capital money or monthly income available may choose to acquire a personal loan for use in such spending. Commercial banks have the right to issue or not the loan based on their economic considerations and the quality of the applicant of the loan, your credit record/history and depending also reserve the requested amount because the bank sees an increased risk greater amount borrowed or issued to the applicant or borrower. We always have to consider when applying for a personal loan whether or not we can fulfill the contract for payment under the terms agreed because if we violate these terms we could affect our credit history and losing the ability to acquire financial services from commercial banks in a remote and / or near future. You should consider several financial offers from different banks before making the final decision and so choose the one that offers us greater flexibility. Stay tune for more post about: BANKS, PERSONAL LOANS, LOANS IN GENERAL, MONEY AND PERSONAL FINANCE. Los prestamos personales forman parte de los servicios financieros ofrecidos por los bancos comerciales y los mismos depende de las condiciones de mercado y tambien de las condiciones que el banco que en este caso sirve como emisor del prestamo personal, este tipo de prestamo es tambien conocido como prestamo de consumo y las condiciones varian dependiendo de la capacidad financiera del prestarario. Los intereses sobre el capital adeudado resultan ser de los mas elevados dentro de la banca comercial y pueden o no (a discrecion) del banco emisor requerir un garante personal o una garantia inmobiliaria del prestamo. Los prestamos personales o prestamos de consumo son utilizados por los prestarios para adquirir articulos o servicios que tengan un costo superior a su capacidad financiera inmediata de manera rapida, es decir que si el prestario necesita una cantidad de dinero superior a su capital o a su ingreso mensual disponible puede optar por adquirir un prestamo personal para utilizarlo en dicho gasto. Los bancos comerciales se reservan el derecho de expedir o no el prestamo basandose en sus consideraciones y la calidad economica del solicitante del prestamo, su historial de credito y dependiendo tambien del monto solicitado, ya que el banco considera un riesgo mayor a mayor monto prestado o expedido al solicitante o deudor. Siempre tenemos que considerar al momento de solicitar un prestamo personal si podemos o no cumplir con el contrato de pago bajo las condiciones acordadas puesto que si incumplimos con estos terminos podriamos afectar nuestro historial de credito y perder la capacidad de adquirir servicios financieros de la banca comercial en un futuro lejano y/o cercano. Es recomendable considerar varias ofertas financieras de diferentes bancos antes de tomar la decision final y de esta manera optar por la que mayor flexibilidad nos ofrezca. BANKS, PERSONAL LOANS, LOANS, MONEY, FINANCE
Continuación del articulo: SERVICIOS FINANCIEROS parte 3
Tarjetas de Debito: Tarjetas en formato igual a las tarjetas de credito con la particularidad que las tarjetas de debito necesitan el respaldo inmediato de dinero en una cuenta de ahorros. Este tipo de tarjeta se utilizan también como tarjetas para compras por internet gracias a acuerdos con Visa, Mastercard, American Express entra otras marcas. No todas las tarjetas de debito permiten realizar compras por internet ya que muchas de estas tarjetas solo permiten compras en negocios locales y retiro de efectivo mediante la red de cajeros automáticos utilizando el numero PIN de seguridad de las tarjetas. A la hora de la apertura de una cuenta de ahorros los bancos ofrecen paralelamente una tarjeta de debito con el respaldo de dicha cuenta de ahorros. Diversidad de Seguros: Los bancos y entidades comerciales ofrecen diversidad de seguros esto dentro de su cartera de servicio financieros a través de su marca hermana orientada exclusivamente a este segmento de mercado, Seguros personales, seguros para vehículos, seguros de vida, seguros médicos, seguros de accidentes, seguros de enfermedad, seguros contra robo, incendio, responsabilidad civil, seguros contra daños a terceros, etc, entre otros servicios de seguros. Pago de Nomina: Otro servicio importante es la facilidad de pago de nomina de empleados de empresas a través de deposito directo a cuentas de ahorros o directamente a la cuenta respaldo de una tarjeta de debito. Otros servicios importantes son el respaldo mediante cartas para solicitud de visas y otras garantías de ser necesarias por el cliente solicitante. Estas cartas requieren un costo a ser pagado por el solicitante pues requieren el uso de personal del banco para la depuración y emisión certificada del documento. Existen otros servicios menores que detallaremos en futuras publicaciones, pero hasta ahora este es el final del articulo "SERVICIOS FINANCIEROS" Gracias por leer nuestro Blog, ZXNINE. |
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