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#2

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Как получить кредитную карту? В определенный момент жизни, этот вопрос посещает многих. Действительно, без нее в современном мире обойтись достаточно трудно.
Что необходимо знать, выбирая удобный для вас вариант? Уточните тариф за использование кредитной карты. Чтобы потом не удивляться дороговизне использования кредитной картой, воздержитесь от спонтанного оформления кредитки. Не забывайте, что многие стандартные операции, имеют нестандартные расценки. То же обслуживание карты, в различных случаях может стоить от 600 до 1000 руб. Приплюсуйте сюда 10-15 руб за получение выписки на вашу электронную почту, 100-900 руб на блокировку-разблокировку карты…вот и считайте.
Так же не лишним будет узнать, как получить кредитную карту с льготным периодом кредитования (это период в 50-60 дней, за погашение задолженностей в который, с вас не будут сниматься проценты). С такой картой, если вы аккуратно будете укладываться в установленные сроки, пользование деньгами будет для вас бесплатным, и вам нужно будет платить только за годовое пользование картой и комиссию за обналичивание денег.
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После того, как вы получили свою кредитную карту, вас может ждать приятный сюрприз - в некоторых банках существуют рекламные акции, к примеру, 50 бесплатных дней пользования кредитной картой. Но будьте осторожны, и не забывайте о том, что разрекламированные и заманчивые предложения и условия, написанные крупными буквами, могут иметь массу нюансов набранных мелким шрифтом. Не предав вначале им внимания и поленившись вникнуть во все тонкости системы оплаты и тарифов вашей кредитной карты, вы рискуете после быть не приятно удивлены, получив счет.
Также не стоит забывать о том, что наличие кредитки, может сказаться на выдачу вам в дальнейшем кредита - банки имеют право, выдать вам сумму, меньше запрашиваемой на размер вашего счета по кредитной карте.
Итак, получив свою кредитную карту именно на тех условиях, которые вас устраивают, и начав активно использовать кредитную карту, не забывайте временами заходить на официальный сайт банка, ведь по закону возможно одностороннее изменение процентных ставок по кредиту, при котором банк не обязан предупреждать своих клиентов. Однако на сайте это информация быть официально должна.
Предупрежден - значит вооружен. Достаточно уделить немного внимания вопросу как получить кредитную карту и пользоваться ей в дальнейшем без неприятных неожиданностей.
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