Os 5 mandamentos do cartão de crédito
Autor: Rodrigo | Publicado: 2011-06-15T07:13:00-07:00

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Poucas mulheres no mundo não têm com o cartão de crédito uma relação de amor e ódio. Amor porque dá a prazerosa ilusão de comprar sem gastar. Ódio porque uma vez por mês a fatura chega. O uso do cartão é prático e seguro, mas cheio de armadilhas.  Saiba como sobreviver em meio às ciladas que vêm junto com os cartões:
  1. Sempre à vista  O cartão é uma das modalidades mais caras de financiamento. Só perde para as financeiras. Portanto, evite pagar o valor mínimo ou parcelar a dívida. Se está com dívidas, o melhor é fazer um empréstimo no banco para pagar à vista. A taxa de juros é quatro vezes menor.  2. Pagamento de contas  Parece perfeito concentrar pagamentos na mesma data e não correr o risco de desligarem sua conta de luz. Mas as administradoras costumam cobrar tarifas para prestar esses serviços. Veja em quanto morre a brincadeira.  3. Cabresto nos gastos  Cartão dá a falsa sensação de que o dinheiro não sai da conta. O pesadelo vem com a fatura. Anote gastos na agenda ou peça um limite compatível com sua renda.  4. Cartão de loja?  Você vai precisar de uma bolsa extra se aceitar todos os cartões de crédito oferecidos em lojas, supermercados, farmácias... Nesse caso, a decisão é simples: vale a pena se você realmente for uma freqüentadora assídua da loja. E se tiver benefícios em troca.  5. Competição a seu favor  Especialistas recomendam comparar as ofertas disponíveis. As diferenças de preço existem e são grandes. Aproveite essa confusão para negociar bons descontos na sua anuidade.Autora: Patrícia Queiroz / www.mdemulher.abril.com.br/Image: worradmu / FreeDigitalPhotos.net