La importancia de las tarjetas de crédito

Existen diversas opiniones de las tarjetas de crédito y con frecuencia las asocian con el exceso de deuda. Hoy te vamos a contar la importancia de las tarjetas de crédito y qué considerar al contratarlas.
En muchos casos, este pensamiento es cierto, se ha probado por varios grupos de estudio que la persona que tiene tarjeta de crédito gasta hasta 30% más que si usara efectivo. En parte importante se debe a la inexistencia del límite visual que se tiene con el efectivo. Abrir tu cartera y saber cuánto efectivo tienes racionaliza tu gasto, algo que con la tarjeta de crédito no sucede. Por eso, es sumamente importante que se controle el gasto de la tarjeta de crédito. Esto puede hacerse desde la aplicación del banco, en el portal del banco o con nuevas aplicaciones no bancarias que ayudan a gestionar las finanzas personales y en muchos casos no tienen costo.

¿Por qué es importante una tarjeta de crédito?

Tener y usar correctamente una tarjeta de crédito tiene grandes ventajas. Puede ser el inicio para generar un buen historial crediticio, que te dará acceso al aumento de tú línea crediticia, es decir, si hoy puedes usar hasta $5,000 pesos al mes en tu tarjeta de crédito, el banco puede incrementar tu línea de crédito a $7,000 o más, dependiendo de tu ingreso. Además de tener la opción de acceder a otros productos financieros como un crédito de educación, automotriz, hipotecario o de nómina.

¿Qué considerar en una tarjeta de crédito?

  • Capacidad de pago, nunca gastes más de lo que ganas. Esto evitará que dejes de pagar tu tarjeta de crédito a tiempo.
  • Costo Anual Total (CAT), el CAT es una cifra expresada en porcentaje que determina el costo de los intereses y comisiones que aplican al no pagar el saldo de la deuda de tu tarjeta de crédito. Usualmente van del 30% al 90% dependiendo la tarjeta y el banco. Todas las tarjetas deben proporcionarte este dato, busca que sea lo más bajo posible.
  • Anualidad, en la mayoría de los casos las tarjetas de crédito cobran una comisión anual, revisa la cantidad y evalúa el costo-beneficio.
  • Promociones y beneficios, existe una gran oferta de tarjetas de crédito, cada una de estas tiene beneficios y promociones. Pregunta cuáles son y elige la tarjeta de crédito que más se adapte a tu estilo de vida.
  • Busca tener una o máximo dos tarjetas de crédito, de esta forma será más sencillo administrar y gestionar tus finanzas. Es importante que tengas recordatorios de la fecha de corte y fecha de pago. Exceder tu día de pago trae intereses moratorios y comisiones que pueden traer problemas a tus finanzas personales.

 

En Talento en Marcha nos interesa compartir información actual de utilidad para que mantengas sanas tus finanzas personales.

 

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