{"id":417,"date":"2023-11-30T00:00:15","date_gmt":"2023-11-30T00:00:15","guid":{"rendered":"https:\/\/infostec.com\/?p=417"},"modified":"2023-11-30T00:00:15","modified_gmt":"2023-11-30T00:00:15","slug":"patarimai-kaip-naudoti-tinkama-kredito-kortele","status":"publish","type":"post","link":"https:\/\/infostec.com\/lt\/dicas-de-como-usar-cartao-de-credito-certo\/","title":{"rendered":"Patarimai, kaip naudotis tinkama kredito kortele"},"content":{"rendered":"

Atsakingas naudojimasis savo kredito kortele yra b\u016btinas norint i\u0161vengti pernelyg dideli\u0173 skol\u0173 ir i\u0161laikyti tvirt\u0105 finansin\u0119 b\u016bkl\u0119. \u0160tai keletas patarim\u0173, kaip tinkamai naudoti kredito kortel\u0119:<\/p>\n

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    Supraskite savo kredito limit\u0105<\/strong><\/h2>\n<\/li>\n<\/ol>\n

    Prie\u0161 prad\u0117dami naudotis kredito kortele, labai svarbu suprasti savo kredito limit\u0105. Tai yra did\u017eiausia suma, kuri\u0105 galite i\u0161leisti. Nevir\u0161yti \u0161io limito labai svarbu, kad b\u016bt\u0173 i\u0161vengta mokes\u010di\u0173 u\u017e limito vir\u0161ijim\u0105 ir u\u017etikrintum\u0117te, kad m\u0117nesio pabaigoje gal\u0117site sumok\u0117ti vis\u0105 likut\u012f.<\/p>\n

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      Sumok\u0117kite vis\u0105 likut\u012f<\/strong><\/h2>\n<\/li>\n<\/ol>\n

      Geriausia praktika yra mok\u0117ti vis\u0105 kredito kortel\u0117s likut\u012f kas m\u0117nes\u012f. Taip i\u0161vengsite pal\u016bkan\u0173 u\u017e likus\u012f likut\u012f. Jei negalite sumok\u0117ti viso liku\u010dio, atlikite bent minimal\u0173 mok\u0117jim\u0105, kad i\u0161vengtum\u0117te v\u0117lavimo ir papildom\u0173 mokes\u010di\u0173.<\/p>\n

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        Sukurkite biud\u017eet\u0105<\/strong><\/h2>\n<\/li>\n<\/ol>\n

        Nustatykite ai\u0161k\u0173 biud\u017eet\u0105 savo m\u0117nesin\u0117ms i\u0161laidoms ir naudokite savo kredito kortel\u0119 nevir\u0161ydami \u0161io biud\u017eeto. Nenaudokite kortel\u0117s impulsyvioms i\u0161laidoms ar neesminiams daiktams, kuri\u0173 negalite sau leisti.<\/p>\n

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          Venkite i\u0161siimti pinig\u0173<\/strong><\/h2>\n<\/li>\n<\/ol>\n

          Gryn\u0173j\u0173 pinig\u0173 i\u0161\u0117mimas kreditin\u0117mis kortel\u0117mis da\u017enai apima didelius mokes\u010dius ir tiesiogines pal\u016bkanas. Stenkit\u0117s nei\u0161siimti pinig\u0173 i\u0161 savo kortel\u0117s, nebent tai yra absoliuti kritin\u0117 situacija.<\/p>\n

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            Naudokite \u012fsp\u0117jimo funkcijas<\/strong><\/h2>\n<\/li>\n<\/ol>\n

            Daugelis kredito korteli\u0173 i\u0161dav\u0117j\u0173 si\u016blo SMS arba program\u0173 \u012fsp\u0117jimo paslaugas, kad prane\u0161t\u0173 apie \u012ftartin\u0105 veikl\u0105, pvz., ne\u012fprastas operacijas arba art\u0117jan\u010dias kredito limito i\u0161laidas. Suaktyvinkite \u0161iuos \u012fsp\u0117jimus, kad gal\u0117tum\u0117te atid\u017eiai steb\u0117ti savo finansus.<\/p>\n

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              Atraskite kortel\u0117s privalumus<\/strong><\/h2>\n<\/li>\n<\/ol>\n

              Daugelis kredito korteli\u0173 si\u016blo papildom\u0173 privalum\u0173, toki\u0173 kaip oro linij\u0173 mylios, piniginiai atlygiai, pirkini\u0173 apsauga ir kelioni\u0173 draudimas. Su\u017einokite apie privalumus, susijusius su j\u016bs\u0173 kortele, ir pasinaudokite \u0161iais prana\u0161umais, kai taikoma.<\/p>\n

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                Saugokit\u0117s balanso pervedimo akcij\u0173<\/strong><\/h2>\n<\/li>\n<\/ol>\n

                Balanso pervedimo akcijos gali atrodyti patrauklios, ta\u010diau jos da\u017enai b\u016bna su pasl\u0117ptais mokes\u010diais ir s\u0105lygomis. Jei ketinate perkelti liku\u010dius \u012f kortel\u0119 su ma\u017eesne pal\u016bkan\u0173 norma, \u012fsitikinkite, kad suprantate visas susijusias s\u0105lygas ir i\u0161laidas.<\/p>\n

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                  Nesidalinkite kortel\u0117s informacija<\/strong><\/h2>\n<\/li>\n<\/ol>\n

                  Saugokite savo kredito kortel\u0117s informacij\u0105. Niekada nesidalinkite savo kortel\u0117s numeriu, galiojimo data ar saugos kodu (CVV) su nepatikimais \u017emon\u0117mis. Taip pat nesaugokite \u0161ios informacijos bendrinamuose \u012frenginiuose.<\/p>\n

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                    Reguliariai per\u017ei\u016br\u0117kite s\u0105skaitas fakt\u016bras<\/strong><\/h2>\n<\/li>\n<\/ol>\n

                    Atid\u017eiai per\u017ei\u016br\u0117kite m\u0117nesines s\u0105skaitas fakt\u016bras, kad nustatytum\u0117te apgaulingus sandorius ar neatitikimus. Nedelsdami prane\u0161kite apie tai kortel\u0117s i\u0161dav\u0117jui, jei pasteb\u0117site k\u0105 nors \u012ftartino.<\/p>\n

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                      Reguliariai \u012fvertinkite savo kortel\u0119<\/strong><\/h2>\n<\/li>\n<\/ol>\n

                      Laikui b\u0117gant finansiniai poreikiai gali keistis. Periodi\u0161kai \u012fvertinkite, ar j\u016bs\u0173 kredito kortel\u0117 vis dar atitinka j\u016bs\u0173 poreikius. Jei reikia, apsvarstykite galimyb\u0119 atnaujinti kortel\u0119 su geresniais privalumais ar tarifais.<\/p>\n

                      Atminkite, kad kredito kortel\u0117 yra galinga finansin\u0117 priemon\u0117, ta\u010diau ji reikalauja atsakomyb\u0117s. Kruop\u0161\u010diai naudojamas, jis gali b\u016bti patogus ir naudingas. \u017dinokite apie savo finansus, nustatykite limitus ir s\u0105moningai jas naudokit\u0117s, kad i\u0161vengtum\u0117te finansini\u0173 sp\u0105st\u0173.<\/p>\n

                       <\/p>","protected":false},"excerpt":{"rendered":"

                      O uso respons\u00e1vel do cart\u00e3o de cr\u00e9dito \u00e9 fundamental para evitar d\u00edvidas excessivas e manter uma sa\u00fade financeira s\u00f3lida. Aqui est\u00e3o algumas dicas sobre como usar o cart\u00e3o de cr\u00e9dito de maneira adequada: Entenda Seu Limite de Cr\u00e9dito Antes de come\u00e7ar a usar o cart\u00e3o de cr\u00e9dito, \u00e9 essencial entender seu limite de cr\u00e9dito. Este […]<\/p>\n","protected":false},"author":1,"featured_media":421,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[11],"tags":[],"class_list":{"0":"post-417","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-financas"},"_links":{"self":[{"href":"https:\/\/infostec.com\/lt\/wp-json\/wp\/v2\/posts\/417","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/infostec.com\/lt\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/infostec.com\/lt\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/infostec.com\/lt\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/infostec.com\/lt\/wp-json\/wp\/v2\/comments?post=417"}],"version-history":[{"count":1,"href":"https:\/\/infostec.com\/lt\/wp-json\/wp\/v2\/posts\/417\/revisions"}],"predecessor-version":[{"id":422,"href":"https:\/\/infostec.com\/lt\/wp-json\/wp\/v2\/posts\/417\/revisions\/422"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/infostec.com\/lt\/wp-json\/wp\/v2\/media\/421"}],"wp:attachment":[{"href":"https:\/\/infostec.com\/lt\/wp-json\/wp\/v2\/media?parent=417"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/infostec.com\/lt\/wp-json\/wp\/v2\/categories?post=417"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/infostec.com\/lt\/wp-json\/wp\/v2\/tags?post=417"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}