2023-05-29 09:17:14
Monday, May 29, 2023, 09:17
Bank cards make life a little more comfortable for banking customers. They facilitate payment in stores and give access to cash almost instantly through ATMs. The most widespread are debit and credit.
The latter offer various advantages such as the possibility of making purchases in installments or benefiting from discounts in shops. But improper use can lead to serious problems. To avoid them, BBVA offers a series of tips:
Tips
-Never forget that a credit card “is not an extension of salary.” Just an instrument to buy without having cash.
-It serves as collateral for numerous day-to-day operations: booking a hotel room, buying a plane ticket or renting a car.
-In case of theft or forgery, they can be canceled immediately. In BBVA, it is also possible to turn it off and on from the bank’s mobile application.
-It is advisable to set an expiration date that is close and after the payroll is collected.
-It is convenient to keep control of everything that is paid with it. In this way, it will be possible to know if the credit limit has been exceeded or not and, consequently, the payment of commissions will be avoided. From the bank’s ‘app’ you can organize expenses and payments.
-Have only credit cards that we can pay. It is preferable to consolidate all debts in one and use the others for emergencies.
-Use credit card for cash advance “only in case of emergency”.
-From the BBVA application you can access all the receipts for the purchases made in the month in order to verify the purchases.
-It is important to pay before the due date, since all the activities carried out are registered in the credit history and the delays can activate the blockage of the credit line.
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