00:00Welcome to Monigamia Day-a-Dia, the format in which we explain the finances of everyday situations.
00:05We continue with our series to learn how to manage credit cards.
00:08Today we will explain how to choose the ideal credit card.
00:12It's the video that you can see to know the best criteria for choosing credit cards.
00:16Oh, that color is so beautiful!
00:31This market is bestial.
00:33Every day, there are reports of cards that have different attributes.
00:36That give descents in the almacén.
00:37That give money.
00:38That give money.
00:39That give money.
00:40That give money.
00:40That give money.
00:41That give money.
00:42That give money.
00:42That give money.
00:45So, it's clearly abrumant to choose a credit card between so many possibilities.
00:50But don't let it go.
00:51Only there are two characteristics of credit cards that really import for the finances.
00:56whether the threshold Então or not contributed to credit card so that the值 are 맞わt sind.
01:00In mostOS cases, the crucial criteria for the credit card to choose – Lesar is really
01:05linked to the frequency of the usage window.
01:06For instance, each person can choose a credit card to choose their average credit card, как
01:10and those fees that should not take according to this credit.
01:14You may figure out a balancing the tracking card.
01:16Can you use the operating card?
01:16Brandon.
01:16We don't say that let you use it.
01:20It's easy.
01:21That's where do you learn?
01:22You need to know what the capabilities of you do with the card that they buy the card.
01:25They need to be at the point.
01:26Una persona que no use mucho su tarjeta de crédito, por ejemplo una vez al mes, debe
01:30priorizar los costos fijos bajos.
01:32Es decir, debe elegir una tarjeta de crédito que no tenga cuota de manejo aunque esto implique
01:37pagar mayores intereses.
01:38En cambio, una persona que use mucho su tarjeta de crédito debe priorizar los intereses bajos.
01:43Esto significa que debe elegir una tarjeta de crédito con los menores intereses que
01:47encuentre aunque tenga que pagar una cuota de manejo.
01:50Finalmente, deben elegir el cupo correcto de la tarjeta de crédito.
01:53¿El que me alcahuete del banco?
01:55¡No!
01:56Aunque elijan una tarjeta de crédito con características perfectamente balanceadas, no será la ideal
02:02si no eligen el cupo correcto.
02:03Recordemos la regla de oro de la que hablamos en videos pasados.
02:06Deben elegir un cupo que llegue máximo a la mitad de sus ingresos mensuales.
02:10De esta manera, aunque llene todo el cupo en una sola compra, la deuda se podrá saldar
02:14con pagos saludables y en plazos prudentes.
02:17Es una precaución clave para cuidar sus finanzas de compras impulsivas o de cualquier otra
02:21contingencia.
02:22¡Ustedes se conocen!
02:23¡Evítense huevos financieros!
02:26Entonces ya saben cómo elegir la tarjeta de crédito ideal.
02:29Recuerden siempre buscar un balance respecto a la frecuencia de uso.
02:32Con este video ya terminamos nuestra serie de tarjetas de crédito, pero si quieren que
02:36sigamos no olviden darle like a este video, activar la campanita y dejarnos en los comentarios
02:40el tema que les gustaría que tratáramos.
02:42Nos vemos en una próxima entrega de Monigamia Día a Día, el formato en el que les explicamos
02:47las finanzas de las situaciones cotidianas.
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