After the offers and discounts of the Hot Sale comes the stage of the expense count so that the statement, the months without interest and the debt do not get out of control, recalls the Banamex Financial Group.
The financial education area of the banking institution indicates that the months without interest is a great payment alternative, and one of the most intelligent ways to use a credit card, since the modality helps not to incur additional financial expenses and gradually pay the purchase.
Banamex says that it must be kept in mind that this benefit entails a great responsibility, which is to pay promptly in a timely manner.
If you do not make the payment within the established limit, the promotion to months without interest can be canceled, and will become a debt in the regular scheme with additional charges and commissions for breaching the corresponding payments.
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To avoid this scenario, the Financial Group offers you the following recommendations to maintain payments from your credit to months under control:
Remember the key information of your credit card, cutting date, payment deadline and payment so as not to generate interest; You can consult this data in your account or from your app.
Periodically check your account status and verify that the charges correspond to your purchases in the requested payment scheme. Since 2024 the account statement of credit cards is universal for all institutions that issue credit cards, which facilitates their reading and understanding of the debt.
Use automatic reminders, your cell phone program, ask your virtual assistant to remember or configure your digital calendar. Simple actions as these can make a difference and save you many pesos. Try to have several reminders, a few days before and another on the same day of payment.
Keep a record of your purchases at interests. Do not forget to consider this disbursement in your monthly budget and try not to abuse this payment scheme. By incurring many payments “to months without interest”, your finances can unbalance if you are not fully aware of the total amount to be paid every month. Keep a financial margin and always keep in mind how much you can borrow without everything getting out of control.
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