best choice in credit card
credit card, for some this word is a dream, and for others it gives them goosebumps. Those who don't understand how the financial world works usually end up a little confused with the credit options offered out there.
However, it is fair to say that if you have a little self-control, this is a tool that makes your life much easier. But it can actually bring more advantages depending on your choice.
That's why we want to show you today the best ways to choose the best card for you. And ensure that you get a good result in practice.
How to choose the best credit card?
First of all, it is important to say that it takes a certain amount of patience to deal with credit cards. There is no point in simply trying to choose between a few options.
The best thing to do is wait until you receive an offer to get a good option. So, take the following factors into consideration:
1 – Refuse annuity
For a long time, people were accustomed to choosing cards that required the payment of an annual fee. This is like a monthly fee to have the service.
So, it doesn't matter how much you spend, whether it's zero or the maximum amount available. You'll always have that amount added to your bill.
And of course, if you don't cover the entire amount by paying everything correctly, you'll have a mountain of interest running on top of it.
Also avoid traps that say you don't pay an annual fee if you don't use it, or that you only pay an annual fee if you use it. Yes, there are companies with both tactics.
The fact is that several other banks, especially fintechs, will not charge anything to use the card.
2 – See if the flag is well accepted
It's a bit rare these days, but for a long time people were forced to accept the Elo brand on their credit cards. But it was practically only accepted on Cielo machines.
For many this was a real headache, especially considering that if you pay for a service, you want to be able to use it anywhere.
Therefore, if you have the option, always choose products with Visa or MasterCard flags.
3 – Check access to SAC
Your card may seem ideal, but will you actually be able to contact customer service if you need to?
Maybe you haven't encountered this problem yet, but believe me, there is no shortage of people who try to speak to customer service and are unable to do so.
This is when the SAC is not available only by email, and it may take more than one business day.
If you can choose, choose one that has a customer service center available 24 hours a day, 7 days a week. In addition, you can receive calls via cell phone, even if the call costs are the same as a local call.
Final considerations
As you can see, the task of choosing depends a lot on what is offered to you. It is best to take your time until the best solution appears.
However, getting the credit card of your dreams is just the beginning, keeping it without it becoming a problem is the challenge.
See you next time!