The credit cards:

    One of the important causes of the indebtedness of the familiar economies, is the facility and the comfort with which money through the credit cards can be spent. We can acquire what as much illusion for of immediate form, and with the apparent sensation that the psychological potentiality of which provides we are not spending money, simply we yield to the employee during seconds our wonderful card that so many doors abre to us and that so many dreams and desires grant to us. In addition we have “of our part” to the banks, that thanks to their “kindness” allow us to postpone the money spent in cards in comfortable monthly installments. Thus we will be able to enjoy our fulfilled dreams and the bank besides its corresponding acquired commission to the salesman by the use of the credit card, will be able just a little bit to take of our money every month thanks to the interests generated by the postponement of our debts.

    But just as always the cold winter arrives, the cold reality appears to us soon, and we realize of which we are paying our mortgage with a possibly important annual increase thanks to the revisions of our quota and the continuous ascent of the euribor, with the loan of the car that never seems to finish and with a monthly receipt of the credit cards that already begin to scare… all this without telling to us, the multitude of expenses that in all familiar economy have formal appearance. It is then when you begin to question the necessary thing and unnecessary of the continuous purchases and the glance to our credit cards it is not made hope, as well as an indescribable desire to take those good scissors that we have in house (bought with credit card) and to end cards. But not…, we controlled ourselves. But that if… we left it well clearly: From now on, you will leave house much less!

    For a good course of our economy, we must at any moment be conscious of our expenses and our total debt. With respect to the credit cards, it is essential to consider the following considerations:

1. - It is very easy to be able to have cards, offer them constantly to us. It is not question to have cards to have. It is important to only count with that they are necessary and they report benefits to us.

2. - To know as they are the operating expenseses of our card. Many are gratuitous, others are it months at the outset, and others never are it. It is necessary to know his payment annual, his interest rate, which will be received to us by slow debts or to exceed the limit of the card.

3. - Better always to pay with our card in the modality of counted and not on credit. If we were accustomed to this it is not difficult and it is an excellent habit not to have economic problems in the future. If we paid all to our expenses month to month, are paying what in fact they were worth our purchases and we will be more conscious of our limits and until amount we can arrive in our expenses.

4. - It is important to leave house with real money and not only with cards. It is easier that we control our desires to spend in unnecessary purchases, with real money that not with credit cards.

5. - Taken care of with removing money from our credit card in automatic tellers. The costs by commission usually are important. If to this we realized it action of habitual form, at the end of the month it will suppose a cost of considerable money.

6. - For great purchases, to inquire widely into the conditions in personal loans then surely they will offer more advantages and I interest lower than the credit cards.

7. - To keep the invoices to take a control of the expenses and to verify possible errors.

8. - To be conscious of our own economy and if we know that it is an excessive cost to be able to confront it with comfort, not to do it. There will already be more opportunities at the future.

9. - The terms and conditions of the credit cards can be modified. It is necessary to be pending of it, through mail received by the emitting organization of cards. They can increase the interests to us or if before annual rate were not received now if to do it.

10. - It is not necessary to forget the security questions of our cards. Better to memorize the PIN and not to yield this information to anybody, besides keeping the card in safe place.