Magda Quispe.
While a credit card sometimes you can bail, it is important to take care of your finances and be punctual in their payments because, otherwise, a delay of a few days could bring him serious headaches.
Maria Salas is a user assiduous of credit cards department stores in the country, always fulfilled their financial obligations, but had to go through the bad times to pay arrears because he forgot the date of payment of all months.
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So that does not happen the same and will generate a mismatch in your household budget, consider the charges made by each department store.
According to the website of Ripley, all those who have a consumer credit through Ripley Classic, Silver, Gold, Platinum and Max cards, and spend your payment date, ie from the second day maturity of its quota, must assume a cost of 1% per day of your minimum payment.
As an example, if your minimum payment is S /. 100, its arrears for each day not pass up the second day after the date of payment will be S / .1.
In case backwardness outside a day from the due date of the payment and the payment is made within the same day, no penalty will be charged.
And if we put ourselves in the situation of those who made a loan of cash with Ripley card payments must assume if you are late on your monthly payment will be: from the third day until about 29 S /. 35; day 30 to day 60 a S /. 45; from day 61 to day 90 a S /. 65; day 91 to day 120 a S / .75, and from day 121 more will have to pay S /. 100.
This situation of penalties for late payment occurs not only in the aforementioned store, but also in Saga Falabella, which has other forms of payment in arrears.
On its website is displayed that consumer credit with CMR, CMR Visa, CMR and CMR Visa Gold Visa Platinum cards have a payment penalty that applies to the sixth day of delay of S /. 30.
If you miss the time and reaches 31 days past due, the amount due will be S /. 40, and 61 days late the amount rises to S /. 50.
Note that the amount outstanding will continue to generate compensatory interest, in addition to the penalties mentioned, as indicated web Saga Falabella.
Significantly, the penalty for late payment date is calculated from the first day of delay until the day when payment is made. This concept has been charged in the following account.
"What people should do is to have an agenda that put the dates in which they must pay their debts, it is best payment is two days before expiration to have clearance for any emergency that might arise "Ocampo said.
He added that if you have debts from various department stores, it is best to make it one to avoid running the risk of forgetting the payment dates.
GIVEN TO GOOD USE A CREDIT CARD
The Superintendency of Banking and Insurance (SBS) recommended that for the proper use of credit cards must first compare the various options presented in the local market, as not all cost or offer the same conditions.
Also should read well the contract and ask your doubts are clarified before signing.
Note that if you pay the amount due on the date indicated prevent the collection of additional charges.
Do not just pay the minimum amount of your debt every month, because it will take much longer to cancel and the cost will be higher.
Note that cash withdrawals by credit card are subject to interest rates and more expensive commissions.
Get used to save your receipts consumption and verify them with your statements.
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