Crédito rotativo: 8 dicas para não se enrolar com esse empréstimo

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O endividamento é um problema sério. Segundo o Serasa, em janeiro, mais de 600 mil pessoas entre 26 e 40 anos estavam inadimplentes.

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Uma das principais razões, para Cristina Nunes, gerente de política de crédito da Provu, desse endividamento, é o rotativo do cartão de crédito.

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Afinal, quem nunca gastou no cartão de crédito como se não houvesse limite? Mas, acionar o rotativo pode ser mais um problema do que uma solução.

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Antes de saber como escapar desse perigo, é importante entender o que é o crédito rotativo do cartão.

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É uma linha de crédito para financiar a fatura do cartão quando não há saldo para o pagamento total.

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O rotativo é considerado como um empréstimo pessoal de curto prazo, com altas taxas. Em janeiro, alcançou os 411,5% ao ano.

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Com a ajuda da Lai Santiago, educadora financeira, reunimos 8 dicas para você. Veja só!

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Tente seguir este mantra e pague o valor total da fatura, evitando assim a cobrança de juros do rotativo, conta Lai.

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Para Lai, é importante saber seu limite disponível para evitar gastar mais do que esse valor.

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“Planeje seus gastos de acordo com sua capacidade financeira. Isso vai evitar gastos excessivos no cartão”, ensina Lai.

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Lembre-se de ficar acompanhando sua fatura e quanto disponível você ainda tem para não gastar além da conta.

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Segundo a educadora, o saque com o cartão de crédito possui taxas altas de juros e “não possui um período de carência para isenção de juros”.

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Separe um montante todo o mês e deixe rendendo em um investimento de liquidez diária. Se precisar, você usa a reserva, e não o crédito rotativo.

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Estude quais opções você tem antes de ir no que pode ser mais fácil; as taxas do rotativo acabam não compensando.

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Se você sempre se enrola no cartão de crédito, é melhor deixar ele de lado e usar o débito.

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“Quando usamos o débito e vemos o saldo diminuindo, temos mais ‘pena’ de gastar nosso dinheiro”, conclui Lai.

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Saiba mais sobre o crédito rotativo na Inteligência Financeira!

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Converse com a gente!

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Veja mais na Inteligência Financeira:

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