00:00Welcome to Monigamia Day-a-Dia, the formato in which we explain the finances of the daily situation.
00:06We will continue with our intensive course on credit cards.
00:09And in the video of today we will explain how to use correctly this financial instrument,
00:14or, as some may say, how to avoid embarrassing them with the credit cards.
00:28To start, let's see what the maximum amount of your credit card is required.
00:33Remember that in the previous video we told you that the credit card has a coupon.
00:38Therefore, to control your purchases, you should start by choosing the correct coupon.
00:42The rule of gold is that you choose a coupon equal to the half of your monthly income.
00:47And although it is a little, that is your coupon.
00:49You have to accept it with love.
00:52So, even if the coupon is filled in a single coupon,
00:55the debt will be able to save with a healthy payment and in a long period of time.
00:59The other thing you should know is how to use the credit cards.
01:03The credit cards in Colombia allow your clients to choose the time to differ their purchases,
01:09that is, the number of credit cards with which they will pay.
01:11It is a great resource because between long and long time and long,
01:15menores will be the monthly payment,
01:17which allows you to adjust your purchases to each person.
01:20However, there are two very important details to pay attention.
01:25Atentos.
01:25If they buy a single coupon, the bank will not pay any interest.
01:29So, if they buy a single coupon,
01:31they will pay a single coupon when they know that the next month
01:33they will pay the total debt.
01:36That is,
01:36to pay a single coupon is a way to use the liquidity of the bank's favor
01:40without any cost.
01:41It is malevolent.
01:42It is malevolent.
01:46It is malevolent.
01:46It is malevolent.
01:47The other thing you should know is that
01:48between more cuotas you can choose,
01:50more interest will be paid.
01:51Again,
01:53between more cuotas,
01:54more interest.
01:55This is important because it implies that
01:57the plazos are good until a certain point.
02:00If they are not paying for the monthly payment,
02:02the credit card is worth the number of months paying interest.
02:05So, they need a balance.
02:10Precisely,
02:11this is the other thing we want to talk about.
02:13How to choose the ideal number of cuotas?
02:15It is easy.
02:16It must be aligned with the financial health.
02:18The amount of the cuotas
02:19must be enough to get out of the debt quickly
02:23and so pay less interest.
02:25But,
02:25as low as they allow you to cover the vital,
02:28vital,
02:29and that there is space for every month.
02:31For this,
02:31we recommend that you choose the same way.
02:35Take note.
02:36If you don't have deudas,
02:37you must choose the number of cuotas
02:39that represent maximum
02:40the 10% of your monthly income income.
02:42If you already have deudas
02:43that represent a monthly payment
02:44of more than 10% of your monthly income income,
02:47you must be inferior to the 5% of your monthly income income.
02:51Although,
02:52you should consider not to do that.
02:54It will give you a guayabo.
02:56And finally,
02:57if you have deudas
02:58that represent a monthly payment
02:59of more than 15% of your monthly income income,
03:01definitely should be able to do that.
03:04In this scenario,
03:05it is already over-deudated.
03:07In this case,
03:08their finances only can support
03:09a monthly payment
03:10if they differ
03:11to a monthly payment
03:11that represent a monthly payment
03:13of less than 3% of your monthly income income.
03:15And that would mean
03:16a long time and a lot of interest.
03:19It is to say,
03:21that the credit is not enough.
03:22Literally,
03:23it is the moment
03:23in which you should go to the store.
03:29We know
03:30that sometimes
03:30it is not easy to calculate
03:31how they would be paid
03:32according to the cost.
03:33But,
03:34it is not to worry,
03:34that's the technology.
03:36Now,
03:36there are credit cards
03:37that can be downloaded
03:39as a free application
03:40from your phone.
03:41With only the amount of the payment
03:43and interest of your wallet
03:44you can simulate
03:45how they would be paid
03:46according to the cost.
03:47The idea is
03:48to try several times
03:49to find the ideal number
03:50of the cost
03:50according to your financial health
03:52finance.
03:53Cacharrea
03:53y cacharrea
03:54y cacharrea
03:55Ahora ya saben
03:56cómo usar su tarjeta de crédito.
03:58En el próximo video
03:59hablaremos sobre el pago mínimo.
04:01No olviden activar la campanita
04:02para que no se pierdan
04:03ningún video de esta serie
04:04y se vuelvan expertos
04:05en usar su tarjeta de crédito.
04:07Nos vemos en una próxima entrega
04:08de MoneyGamia
04:09día a día,
04:10el formato en el que les explicamos
04:12las finanzas
04:12de las situaciones cotidianas.
Comments