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Many times, when we take out a credit card, we choose them for the discounts they will give us in certain stores. Perhaps also for the miles that we will accumulate with purchases or things that we can exchange with the points.

But these are not the only benefits of your cards. In fact, if you read the fine print of your contract well, you will discover many more things. If you didn’t have time to read it all, here I tell you!

Extended warranty

This is a benefit that not all credit cards have. With the extended warranty you no longer only have the year that the manufacturer gives you to send a review of what was purchased, in case of damage.

Thanks to it you can even change the product for a better added difference, in addition to usually covering problems that go beyond the technical aspect.

Purchase insurance

On Visa, for example, it is called “Purchase Protection” and allows you to safeguard the items you buy in case they are stolen or damaged by accidents.

It is valid for the first 45 days after the product is purchased. A benefit that undoubtedly suits you, especially if you do not want to pay debts for an object that was damaged or stolen soon.

Payments for delays

A benefit that especially those who use travel will appreciate. And if your flight is delayed, so you have to spend more time at the airport, the expenses you generate will be returned to you by your bank.

As you can see there are more benefits to having a credit card. Many of them can be used by you even to save or secure the purchases you make with them. It is important that you investigate more about the credit cards you are going to acquire. A little financial education about it will help you get the most out of it.

For the purpose of applying for a loan, financial institutions may require different documents depending on the criteria used to evaluate the applicant’s credit application. There are mandatory documents everywhere, but there are documents that vary from bank to bank, depending on the loan or personal loan applied for.

 

There are basically four groups of documents required:

• personal documents
• banking forms
• documents proving income
• certificates of expenditure and of existing loans

 

1. Personal documents

Identity cards and address cards are essential, in principle some banks accept passports or driving licenses, but this is not general. Tax card, but if not, the original NAV certificate for the tax identification number may be accepted.

 

2. Banking Forms

The most important thing they are asking for everywhere is the employer certificate. From here, the bank can see that the person applying for the loan has a job and the income of the applicant. A minimum of 3 months of continuous employment is required by law, and it is not worth trying during this period.

 

3. Proof of income

In the case of a personal loan, the bank may not ask for a certificate of employer, only presentation of bank statements proving regular income. Conversely, it does not work, bank statements are always required. The bank determines whether the customer is creditworthy on the basis of his regular income.

 

4. Certificates of expenditure and of existing loans

It is not general, but the financial institution may request certificates for utility bills and other loans. This also helps in assessing your creditworthiness.

Of course, these financial documents may also require additional certification, depending on the type of documents that are commonly requested. In any case, it is worth following the financial institution’s own guidelines for a smooth borrowing process.

Apply loan now! Check this out.

Insurance inquiries can now be done in two by three. The Unique Insurance Registry (Luos) is a portal that was created for the benefit of all Colombians to facilitate the conduct of insurance inquiries.

You can use this portal in three cases:

– To find out if you are a beneficiary of a family member who has died, since many times some people include their relatives as beneficiaries and do not notify them.

– To know if the car that caused an accident and damaged your health and / or your assets is insured. If the person who caused the accident refuses to bear the corresponding expenses, you can make the claims that apply to your case to the insurer.

– To find out if your property has the insurance required by law that protects it in case of fire or earthquake.

These consultations are not part of the process of any insurer

That is, there will be more places to acquire equipment and with this increase in competition, a variation in prices, promotions and others is also expected they only seek to inform so that the user knows if he can and should initiate a compensation process or not. The recommendation for the user is to take this measure calmly and evaluate the new options as they appear.  The disadvantage for the user is that now the operators do not give subsidy to the equipment because they no longer have the right to demand minimum permanence, so the user has to pay the total value of the phone regardless of his cell phone plan.

The Luos is a tool to carry out these queries looking for it to be easier for users and that they no longer have to worry about long lines and wasted time searching for information about the insurance policies that can benefit them.

You don’t stop spending even when you have no money left, or buy it for people to value you, or even justify your extra spending with the phrase “I deserve it.” Watch out, you may be boycotting your own pocket.

Check out the list of tips that Jomar Florensa, financial educator at Portal Meu Bolso Feliz, created for those who no longer want to rob their own income.

MAKE A FIXED ACCOUNT LIST

 

First get a clear idea of ​​your monthly expenses. Then, as soon as you receive your salary, set aside the amount for these basic expenses regardless of when you need to pay them. “Those who do not have this control usually spend their salary as they live. Thus, at the end of the month, there is always a shortage of money to settle fixed accounts, ”explains Vignoli.

SAVE PART OF YOUR SALARY

 

Anyone who really wants to save must set aside a certain amount on the same day the payment falls into the account. Just calculate monthly expenses, separate the amount you want to save, and use the remaining money for other expenses that come up during the month. There are even applications that can be programmed through direct debit account. “Those who organize with discipline are less likely to get lost in the accounts,” warns the financial educator. Saving even a small amount is a start. Eliminate the superfluous. Take at least a few hours a month to record in detail all your extra expenses: hairdresser, gym, clothes, shoes, accessories, restaurants, movies. If you do this on a regular basis, you will be able to see which purchases are superfluous, and note that in total they may be responsible for the uncontrolled budget.

CREDITS = EMERGENCY

 

Do not use, for example, overdraft money as your own. All external credits – such as overdraft, card, and pre-approved credit – offered by the bank do not belong to you and should only be used at the right times. Translation: in emergencies! Let’s say your rent expires today and you only have the money to pay it back in two days. It is worth using the special not to pay the fine. But I kept an eye on interest. LET’S BUY TOMORROW

Do not consume on impulse.

When you’re tempted by something you don’t necessarily need, think about buying it the next day. In this period, think a little more about whether you really need to buy that. Most of the time, you will find that making that purchase would not be important.

Answer two questions for yourself:

1) How important are you to your self-esteem and how heavy are the opinions of others? 2) To buy, do you consider your need / satisfaction or to show to each other? Be honest in the answer. You may find out what, unfortunately, is normal in humans: we like to show off and pay dearly for it. Believe me, it is better to be at peace with your bank account. GET REAL. Do things that fit your life moment. Anyway, frequent places you can really go to and spend only what you can afford without needing extra credit or loans for it. Your tranquility is worth a lot.

Yes, offers and promotions are tempting, but you need to be stronger than your buying instinct. The fact that something is cheaper does not mean that you really need to take it home. PAY IN CASE! Only use some form of credit with the certainty that you will have the money to pay the debt. Otherwise, before making the purchase, collect the required amount and pay in cash.

That loan, or credit, is a spending budget advance granted by a financial institution or financial institution for the funding of a project. The amount borrowed, plus interest should be repaid in full by the deadlines set by both parties. These elements are listed in the particular said loan agreement. It really is entirely possible for you to carry out the credit simulation on Great Finance in order to have a review.

What are the sorts of loans?

Depending on the reason behind the loan, it is important to individual two types of credit. When the amount is paid straight to the borrower’s account and can dispose of it in his convenience without having to warrant his expenses, it is a personal bank loan. On the other hand, if the sum is usually allocated to a specific project, like the purchase of a car, the particular loan is said to be impacted.

Personal loan

A personal loan, also known as a good installment loan or many purpose loan, is a customer loan with fixed rates of interest and fixed monthly payments specified in the contract. The candidate can borrow and utilize the sum received at their convenience without the need to justify this. This credit does not finance a defined purchase: it is therefore unassigned.

The eye rate is generally higher to have an unallocated personal loan than a good assigned loan because the loan provider has no collateral. On the other hand, the particular sum is generally quickly obtainable and the steps are a couple of. But as for any mortgage, it requires to be able to justify earnings (pay sheets and financial institution statements) and prove the fact that amount borrowed can be returned.

Loan research

The study loan is really a financial aid granted by the Towns to students and households who fail to finance research in one go. This credit addresses the various expenses related to the particular student life: the transaction of the mineral, the buy of the books, manuals as well as other material, the renting of the kot as well as the cost of the particular daily life.

Wedding loan

A wedding requires a large spending budget and it is not always possible to pay for such a sum at once. A marriage loan is a great option to love this particular amazing day. This credit score can be used to cover the buy of the dress, the leasing of the reception room or pay the caterer as well as the DJ. The repayment is usually spread over time and helps you to put the pill of these substantial expenses.

Payoff of credits

Also referred to as debt consolidation, refinancing or mortgage consolidation, the redemption associated with credits involves taking out that loan to repay all others: borrow cash to pay back existing financial loans. The selected financial institution clears all outstanding credits while offering a single loan whereby all of the payments are combined into one monthly payment, a single interest rate as well as a single repayment term. Forget about complex repayments of different financial loans.

On the side associated with benefits, monthly payments, interest rates plus duration are specified beforehand in the contract and repayment management is very simple. On the other hand, it really is sometimes difficult to obtain debt consolidation reduction, the duration of the financial debt and the total amount to become paid are higher.