JAV praktika: “nustokite spausti”

Sau 28, 2012 by

www.stopthesqueeze.org   Konkretūs patarimai ką Jūs galite padaryti :

pagal Credit Card Nation, by Dr. Robert Manning amerikiečiams rekomenduojamus 10 žingsnių:

1.  Nemokėkit metinio kortelės mokesčio! Kitame banke naują kortelę reklamos tikslais išduos nemokamai. Deja reikia rūpintis kad po metų laiku nutrauktumėte sudarytą sutartį;

2. Sumažinkite kreditinių sąskaitų kiekį (siūlytina iki 2);

3. Išsirinkite kredito korteles su kuo ilgesniu “nemokamo” kredito periodu (min 30 dienų);

4. Išsirinkite kreditą su mažiausia palūkanų norma;

5. Pasirink fiksuotos normos palūkanas;

6. Look out for the “bait and switch” maneuver. If the credit offer sounds too good
to be true, it probably is. Make sure that the credit card you receive is the one you
applied for by carefully checking the terms–and if it isn’t, demand the original terms
or cancel the credit card immediately.
7. Monitor “fixed for life” interest rates. It’s not unusual for the 3.9 percentage rate
that you started with to jump to 28.9 percent simply due to rising balances on other
bank accounts or being late by only one day on a single payment–-and we have the
U.S. Congress-sanctioned “universal default” provision to thank.
8. Check for “tiered” interest rates on your account balances. Oftentimes cash
advances, normal purchases and low introductory “teaser” specials are charged at
differing rates. Keep in mind these short-term rates can expire and leave you with a
large balance at the higher rate.
9. Cancel unused credit accounts. You may have accounts open you don’t even
remember, like store credit cards, harming your credit score. Check your free credit
report at www.annualcreditreport.com and cancel the most recent accounts first.
10. Don’t even think about a credit card “benefit” program. These unemployment
and disability programs are pricey and worthless. Use the premium you’re NOT paying
to pay down balances instead.

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http://www.stopthesqueeze.org/theproblem.php

 

 

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