For many, credit cards are a headache because of the interest they have on each purchase, but in reality, they are a financial relief that helps users make the purchases they want if they do not have all the money. at that moment and that they should not be a problem if you have a good education on how to handle them.
That is why it is common to see clients who have no idea, or forget, the wide variety of benefits that banking entities offer with the accumulation of points for the use of a credit card. These benefits depend on the category of the card and the quota it has, so you have to know how to make purchases with financial intelligence.
Beyond having a good credit history that will later help you access credit, loans and other applications more easily, having judicious use of credit cards could make you the beneficiary of a whole catalog of offers that depend on each bank. , among which are miles redeemable on air tickets on selected airlines.
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This is how you can take advantage of your credit card points
Therefore, below you will find a series of ‘tips’ that will help you take advantage of the offers and points that can be accumulated on your credit card. The first of them, although it may seem obvious, is to consult with the bank where you have your card, which programs you can access according to the category and quota in which you are.
The second, and quite important, is to ask about the relationship between pesos and credit card points. This will be very helpful to manage your purchases with financial intelligence that helps you plan what things you want to redeem with the points and, accordingly, know what things to buy with the card and what not, depending on the amounts.
For the latter, if you are going to make purchases with the exclusive objective of accumulating points, it is better that you make them if you do not have the need to pay them in more than one installment, as this will prevent you from paying interest unnecessarily.
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Similar to the first tip, another is to know how you can redeem the points. Ask about the product catalog, airlines to redeem miles and other businesses that offer benefits with the points on your card. This will also depend on the credit card franchise, since some offer more benefits than those already available from the banks, which is why it is also advisable to ask about the alliance of the franchises with other businesses.
Finally, it is quite good that you constantly review the benefits offered by both the bank and your credit card franchise. This is because they are constantly updated and the benefits could change, in many cases, with better offers.
Look here: Dian: How to claim a refund of the credit balance on your income tax return?
2023-10-20 16:00:54
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