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Best advice for using credit cards responsibly

Check the real needs for installment payments

Know that not everything needs to be divided into installments. If you finance all your purchases with a credit card, you will end up paying more because of interest and fees. This is called the “snowball effect.” In other words, the bills keep growing until you can’t afford to pay the minimum amount on your card.

So, before using credit cards, assess the actual need for installment payments. This way, you avoid paying much more for the price of the purchases. Also, remember that unexpected financial situations may occur, and you might need to use the card for more important expenses than unnecessary installment purchases.


Only make online purchases on secure and reliable websites

One piece of advice on using credit cards is to make online purchases only on virtual stores and secure websites. Even so, you need to be very, very careful when providing and entering your personal and financial information, as frauds or scams are not uncommon.

To avoid financial harm, make sure the website has a security seal, such as the lock symbol before the “www.”

Be cautious of impulse purchases when using credit cards

Pay great attention to this advice! Credit cards can give us a false impression that we have more money. We already know this, but it’s still necessary to be careful, okay?


We should use credit cards only for long-term items. For example, cell phones, televisions, furniture for the house, and other items. If you use the card to buy something for immediate use, you’ll end up paying for things you’ve already used. Don’t have that attitude.

Choose only one credit card

To make good use of credit cards, the advice is to choose only one, alright? Having multiple credit cards will lead you to use up the limits more. As a consequence, you’ll have more debt.

Never miss credit card payments

While it may seem like an obvious tip, not everyone follows it. Always pay your credit card bills on time (or even before the due date).

Paying your credit card bills on time helps you avoid interest charges and penalties. It also maintains a good financial history, which can potentially lead to credit limit increases when needed.

 Monitor your credit card expenses

Take advantage of new technologies to monitor and control your credit card expenses. For instance, you can set up alerts that instantly notify you of transactions made with your credit card.

Additionally, you can activate alert features that remind you of your card’s due date. These notifications are typically sent via text messages to your mobile phone.

Keep receipts and invoices stored

Another piece of advice for credit card usage is to keep receipts. This is important because it helps you organize and track your finances.

Additionally, in cases of incorrect charges or any issues with purchases and payments made with your credit card, having receipts and invoices can be helpful in resolving unforeseen problems and disputes.

Make a budget considering the use of credit cards

You know those monthly budgets to control finances? Include the expenses and salaries with the card.

For example, add to your budget and plan how much you will pay each month for credit card purchases, the due date and fees (fees are important as they also let you know if you are spending too much on interest).

Pay the bill in full

An important piece of advice for using credit cards. Always pay the full amounts for the month. A lot of people pay less and the interest and fines keep growing…

If you are in financial difficulties, it is better to stop using your credit card and start paying off your debt.

Do not pay the minimum amount. It’s better to negotiate the card in fixed installments than to pay less than the total, right?

Contact the financial institution in case of problems. Don’t let card debt grow!

Keep your credit card at home

If you “suffer” from the problem of excessive consumption, avoid going shopping or going out with your credit card in your wallet. I leave the credit cards at home so you can shop with cash. And leave the card to buy what really needs to be paid in installments.

That’s good advice and a good strategy for overspending…

With the advice for using credit cards and discipline, you will make good use of this financial product and have the card available for when you really need to use it!

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