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Master the interest-free months of your credit card!

It would be great to take out a loan or buy something on credit and not pay interest. That way only the total cost of the product would be paid. Would be great!

The months without interest are not a dream, in fact they are a benefit offered by different banks, but do you know how to take advantage of them? In this note I teach you to use your credit cards intelligently. Learn with me to dominate the months without interest .

What is the benefit of months without interest?

What is the benefit of months without interest?

The months without interest is the time that a bank offers you to take something out of credit without representing additional expenses to the total value of what you bought. Interest-free time may vary between 3 and 48 months, depending on the bank that offers it.

If you can pay it in cash do not use the benefit

If you can pay it in cash do not use the benefit

This more than information about interest-free fees is advice that I want to leave you. If what you are going to get on credit is a product that you can pay with money that you have available, do not use the benefit.

And it is that to get the most out of this credit modality it is better to choose products that you need, that you cannot pay at the moment and that even allow you to have the total of the credit that you have been given. It is useful, for example, when you need a new computer.

Compare well before deciding

Compare well before deciding

I recommend that for the months without interest play in your favor you compare the different offers well. This applies to both stores and banks before deciding on one.

So you can get a bank that offers you more months to pay without interest, in addition to some better offer of the product you want to buy. Comparing will always be a secret to your finances!

Do not buy without planning

Do not buy without planning

Do not get carried away by the “zero interest” fever, any fragmented purchase represents a commitment whose payment will come out of your monthly finances.

Keep in mind that if you didn’t plan the payments well you could fall into an endless debt . Also keep in mind that the benefit is only valid when the monthly fee is paid on time. Are you financially fit for it?

Do not be guided by the “interest-free” promotions of banks and stores. Buy intelligently and make the most of this benefit.

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