Bí quyết để chi tiêu tiết kiệm bằng thẻ tín dụng

Bí quyết để chi tiêu tiết kiệm bằng thẻ tín dụng 1

 

Một số mẹo giúp bạn có thể chi tiêu tiết kiệm bằng thẻ tín dụng trong khi có rất nhiều các loại phí bủa vây. Nhưng đừng quá lo lắng.

Hãy đối diện với chính nó mới chính là giải pháp tốt nhất. Cách chi tiêu tiết kiệm bằng thẻ tín dụng vẫn có thể giúp bạn được hưởng nhiều hơn các ưu đãi khi thanh toán và mua sắm hàng hóa, dịch vụ.

Dùng thẻ tín dụng có nhiều lợi ích với rất nhiều chương trình ưu đãi từ nhiều thương hiệu lớn và các dịch vụ dành riêng cho thẻ tín dụng.Nhưng ngược lại, nó cũng là một con dao hai lưỡi khi bạn được ngân hàng ứng trước khoản tiền lớn để chi tiêu. Nếu không có kế hoạch chi tiêu rõ dàng thì bạn có thể trở thành “con nợ” khi mua sắm, sử dụng hết tiền trong thẻ mà đến kỳ hạn không có khả năng chi trả.

Cách để chi tiêu tiết kiệm bằng thẻ tín dụng?

Như chúng ta biết bên cạnh những lợi ích thì khi chi tiêu bằng thẻ tín dụng nếu bạn không đảm bảo được các nghĩa vụ với ngân hàng như thanh toán dư nợ đúng hạn thì bạn sẽ thấy có rất nhiều loại phí bủa vây và cả phí phát sinh, lãi xuất , phạt trả chậm…

Do đó, nếu bạn đang sở hữu thẻ tín dụng và chi tiêu với nó hãy chắc chắn rằng bạn luôn luôn có kế hoạch chi tiêu. Luôn đặt ra các nguyên tắc chi tiêu của riêng mình để tránh bị tính phí trước khi săn đón các trước trình ưu đãi. Thẻ tín dụng cũng là tài sản của bạn nhưng nếu sử dụng không phù hợp thì bạn không chỉ bị mất tài sản của mình mà bạn còn bị phạt thêm tiền nữa.

Hãy ghi chép lại những khoản chi tiêu của bạn bằng thẻ tín dụng trong tháng để cân đối và biết điểm dừng phù hợp. Cũng thật may mắn khi ngân hàng luôn gửi sao kê để chúng ta có thể kiểm soát được chi tiêu của mình tốt hơn.

Bí quyết để chi tiêu tiết kiệm bằng thẻ tín dụng

Bạn cần có nguyên tắc chi tiêu của riêng mình như: có kế hoạch chi tiêu cụ thể; trả đủ dư nợ ngay khi đến hạn, hạn chế rút tiền mặt tại ATM. Nếu thực sự cần tiền mặt có thể tìm đến dịch vụ rút tiền thẻ tín dụng để tiết kiệm phí (chỉ từ 1,4% trong khi tại ATM là 4%). KHông nên chi tiêu vượt hạn mức của mình để khó chi trả về sau.

Bí quyết để chi tiêu tiết kiệm bằng thẻ tín dụng 2

Tận dụng chương trình ưu đãi thẻ: loại thẻ được hưởng ưu đãi nhiều nhất tại các ngân hàng chính là thẻ tín dụng. Đừng quên tận dụng các chương trình ưu đãi để mua sắm vật dụng cần thiết tại các siêu thị, các trung tâm thương mại… để tiết kiệm hơn.

Bởi vì bạn có thể được hoàn tiền khi mua sắm; ưu đãi giảm giá; và nhận voucher khuyến mãi cho lần mua tiếp khi thanh toán bằng thẻ tín dụng.

Công thức TIẾT KIỆM = THU NHẬP – CHI TIÊU tuy nhiên đôi khi chúng ta vãn vượt quá giới hạn. Do đó bạn có thể áp dụng công thức tiết kiệm sau CHI TIÊU = THU NHẬP – TIẾT KIỆM thì bạn có thể cân đối ngân sách thu chi của mình phù hợp hơn nhất.

Đừng quên, ựa chọn thẻ tín dụng phù hợp với nhu cầu của bạn

Nếu cùng một điều kiện và hạn mức tín dụng thì không có lý do nào mà ta không lựa chọn thẻ tín dụng có phí sử dụng thấp hơn, tuy nhiên cần cân nhắc về ưu đãi và mục đích mở thẻ tín dụng của bạn để mở cho phù hợp. ví dụ bạn mở thẻ tín dụng nhằm để mua sắm và hưởng các chương trình ưu đãi thì tìm thẻ có nhiều ưu đãi cho chủ thẻ khi thanh toán bằng thẻ tín dụng.

Tùy vào nhu cầu và thu nhập của bạn để chọn mở thẻ tín dụng cho phù hợp vì các ngân hàng hiện nay có nhiều hạn mức và yêu cầu thu nhập từ thấp đến cao cho bạn lựa chọn thuận lợi.

 

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