Published: 2019-05-03   Views: 874
Author: owenthomson9
Published in: Business  4 Errores Que Pueden Afectar Tu Historial De Crédito En USA

Tener una tarjeta de credito en USA es el primer paso para obtener un historial crediticio que te ayude a la hora de solicitar un financiamiento mayor. Sin embargo, el mal uso puede afectar negativamente tu historial. Recuerda que al aplicar a tarjetas de credito, trae tanto beneficios, como obligaciones que debes cumplir a cabalidad para no incurrir en moras. Aquí te dejamos algunos errores que pueden afectar tu historial de crédito en USA.

No leer el contrato

No tomarte el tiempo necesario para leer el contrato es un error que te puede costar caro. En este documento aparecen todas las obligaciones que adquieres al aplicar a tarjetas de credito. Además de los beneficios, en el contrato encontrarás las fechas de pago, el límite de crédito y los seguros que aplican en caso de robo, extravío, clonación o siniestros.

No investigar los costos y tarifas de la tarjeta de crédito USA

Aunque la mayoría de las instituciones de crédito informan a los usuarios de los costos, intereses, comisiones o tarifas sujetas a las tarjetas de credito USA. No siempre, prestamos la atención necesaria. Es fundamental a la hora de aplicar a tarjetas de crédito conocer los gastos inherentes al uso de estos instrumentos financieros.

Jamás financies compras que excedan tu presupuesto

Aunque suena lógico, el sobreendeudamiento es uno de los principales errores que los usuarios de tarjetas de credito suelen cometer. Esto se debe a que es común dejarse llevar por la emoción momentánea de comprar productos, sin siquiera detenerse a mirar si estaremos en la capacidad de pagarlos. Recuerda que todos los gastos que realices con tu tarjeta de credito USA, están sujetos al pago de intereses que debes abonar puntualmente en cuotas mensuales.

Nunca olvides tu fecha de pago

Con tantos compromisos es frecuente que las personas olviden la fecha de pago mensual. Esto es un error fatal, debido a que caer en mora puede afectar tu historial crediticio. Lo mejor es estos casos, es poner recordatorios cerca de la fecha de pago. Otra forma sumamente útil, es solicitar a la entidad que descuente los pagos de forma automática de tu cuenta bancaria.

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