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Over and above this you can pay back both regular or annually for endless data. The download velocity was documented as a respectable 12Mb/s.

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Fuja das Taxas de Juros abusivas dos Cartões de Crédito

Você sabe quais são as taxas cobradas de um cartão de crédito?

O cartão de crédito é uma “mão na roda” para muitas pessoas, te ajuda a adquirir um bem de valor alto e poder parcelar, fazer compras em um momento que não tem dinheiro. Só que possui algumas taxas, e alguns casos são abusivos os valores.

Conheça algumas taxas cobradas:

Anuidade:  É uma taxa anual, cobrada logicamente a cada 12 meses, por utilizar o cartão.

Juros: Cobrado geralmente quando o cliente faz uma compra parcelada que sofre um aumento no valor, ou quando você paga valor mínimo ou em atraso sua fatura.

Pagamento de Contas: Taxa cobrada quando você faz pagamento de suas contas com o cartão de crédito.

Saque:  É uma taxa cobrada quando você utiliza o cartão de crédito para sacar dinheiro.

Segunda Via do Cartão: Taxa cobrada quando você solicita um novo cartão

Avaliação Emergencial de Crédito:  é cobrada quando o cliente gasta além do limite disponível do cartão.


Agora vou explicar o que é o CREDITO ROTATIVO

 É um valor cobrado quando você paga o valor mínimo da fatura ou faz pagamento de menos do valor total da fatura. Eles cobram uma taxa mensal que varia de cada instituição financeira, e também uma multa de 2% de atraso, e mais 1% de juros de mora sobre o valor em atraso.

Deu para perceber que pagar o valor mínimo as vezes não é a melhor opção, mais vantajoso tentar ao máximo conseguir quitar o valor total da fatura e fugir dessas taxas.

Teve uma mudança nas regras de cobrança desses juros, antes as taxas passavam de 17% ao mês, hoje com as novas regras, os valores já são fixos e não devem passar de 9,99%.

Essas regras são aplicáveis a qualquer cartão de crédito, não importando a bandeira, banco ou lojas comerciais.

Confira algumas taxas de juros dos principais Bancos

  • Banco do Brasil: de 1,91% a 9,38%
  • Itaú: 0,99% a 8,90%
  • : não divulgada
  • Santander: de 2,99% a 9,99%
  • Caixa Econômica Federal: de 3,3% a 9,9%


E você sabe ó que é Juros de Mora?

É uma punição para quem atrasa o pagamento da fatura, é um tipo de indenização pelo descumprimento da obrigação do pagamento em data certa. Que é cobrado 1% na maioria das vezes em cima do valor total da dívida.

Não pagando suas dívidas em dias pode se cobrar multa por atraso e juros de mora.

Aprenda como usar seu cartão de crédito

Dicas de como usar seu cartão de crédito corretamente

Cartão de crédito é algo tentador, facilita bastante, ajuda em muitos momentos, e a ideia de consumo antes do pagamento é bastante atraente. Mas, a falta de controle de muitos faz com que ele se torne um grande vilão das finanças. Muitas pessoas acabam consumindo mais do que podem e se endividando.

Conseguir um cartão de crédito tem alguns requisitos, que sendo preenchidos fazem com que os Bancos concedam um bom crédito, e você tem um bom limite, maior do que sua renda, então as vezes parece que tudo é possível, e por fim vira uma bola de neve.

Mas ele pode ser um bom amigo. Quer saber como? Leia esse artigo e terá dicas de como usar de forma certa seu cartão de crédito e não acabar se enrolando em dívidas.


Planejamento Financeiro

Acho importante antes de você adquirir o cartão de crédito que você tenha um planejamento financeiro, saber quanto que ganha e também quanto gasta, o quanto sobra, e se um cartão de crédito seria uma boa opção no momento.

Se o cartão é viável no momento, então é hora de planejar quando poderá gastar, para não exceder nos gastos, e principalmente não gastar com itens supérfluos.


Limite em até 25% da sua renda mensal

Tente se organizar para você ter mais controle sobre sua dívida na fatura, se você usar ¼ da sua renda para o cartão dessa forma não irá se apertar e nem deixar de pagar e quitar sua fatura.


Cuidado com o prazo!

Muito linda a proposta de poder parcelar suas compras, mas isso leva a um aumento dos juros, e você pode entrar em uma “bola de neve” e acabar fugindo do seu orçamento. Antes de dividir suas compras, procure pesquisar sobre os juros, veja se tantas parcelas irá compensar.


Escolha muito bem seu cartão

Existem muitas empresas que oferecem cartão de crédito, faça uma pesquisa antes de taxas e juros, algumas não possuem anuidade e as tarifas são baixas, analise tudo com tempo para escolher o que se adequar melhor a você.


Fuja do Pagamento Mínimo

Se tem algo que significa que as coisas estão descontroladas com o seu cartão, é o tal do pagamento do valor mínimo, caso não consiga o dinheiro para o pagamento total da sua fatura, a melhor forma é cancelar seu cartão por um tempo, até que sua dívida seja totalmente quitada, se você continua a gastar o cartão pagando faturas que veio deixando para depois através do pagamento mínimo você vai entrar em um buraco de dívida infinita. Não hesite cancele seu cartão caso isso ocorra, e depois solicite um novo após quitar a dívida.


Não leve seu cartão de crédito na carteira

Procure não andar sempre com seu cartão de crédito, a finalidade do cartão de crédito é para momentos de socorro e para compras grandes, e o cartão no bolso é algo tentador, as vezes você sai de casa sem a intenção alguma de adquirir algo, e no momento não pode, não tem dinheiro, mas tem o bendito cartão na carteira. É nesse momento que começa a descontrolar com compras de coisas que não tinham necessidade no momento, e isso vai virando tipo um vício, e com o tempo passa a usar o cartão de crédito para tudo, até para comprar uma balinha.


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The US is home, of course, and American identity is important, as is meeting singles who are deeply compatible with this American life. Compatible Partners has been helping senior lesbian singles find truly meaningful relationships online for over 5 years, and our scientifically-proven technology makes it easier and more enjoyable to find that deep connection. All matches meet via our famously creative, concierge date experiences designed to energize your dating life. As I have said in almost every one of my dating site reviews, eHarmony is more than just a dating site for people of the same race to meet.

They are popular for connecting thousands of Chinese women with men interested in dating Asian women from countries around the world. Match is one of the best marriage dating sites for a long-term relationship. It’s winding up such a fundamental instrument for Russian dating in your 40s , you should simply decide which site suits you best and Senior people meet here is no doubt the best option if you want to date singles over 40 and looking for dating site for singles over 40. A perfect blend of both worlds, JRetroMatch lets you create an in-depth, personalized profile and then provides you with your own matchmaker who will do everything else for you.

Many women from this country have ambitions and conditions; you need to be ready that your family life will not be calm every day. So before joining any of those dating sites for singles, make sure you are ready for it. And if it gets too much, don’t hesitate to leave the app and take a break from online dating. Websites for singles work in a different way than meeting dates offline. You can look through the dating profiles of thousands of other Asian singles to find someone who really ticks every box for you.