To finance your purchases without depending on carrying cash, with a safe alternative, the Credit cards They are a reliable payment method that you can use on a day-to-day basis, although they are also the order of the day for Christmas purchases and thus take advantage of offers and promotions that the bank offers you as deferred payments to months without interest.
But you must be careful when choosing and contracting the bank card that you will take with you for this purpose, comparing its costs and benefits to identify if it adapts to your lifestyle and that is why today we will see The most expensive credit cards at Christmas 2022.
plastics like Platinum imbursa wave Classic Banorte Card Due to their costs, it is more expensive to finance yourself with them. In December expenses it will be more expensive, so you can check what it offers and if it suits your needs or another card meets what you require.
Check the Total Annual Cost of your credit card to find out how much it costs you per year to use it. (Freepik)
The cardholder must also meet certain requirements to be granted the financial product, but the risk of lending money to another person is charged with interest or a modest line of credit, but with a good credit history in the Credit bureau These figures can improve the conditions to request new financing at a better cost, so you have to keep personal finances under control in order to build a good credit score.
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According to data from Bank of Mexico (Banxico) products such as the Clásica Banorte card have become more expensive by spending their Total Annual Cost (CAT) from 59.1% to 107% in the line of credit between 8,000 and 15,000 pesos, for the period from 2017 to June of this year.
In the same period, Platino Inbursa plastic also registered an increase from 22.9% to 48.7%; while United Banorte and Fiesta Rewards Platino, from Banco Santander, charge cardholders a CAT of 75.6% and 74% for the second case.
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Review your monthly budget to determine your payment and loan capacity, as well as make sure that you create savings by sending a constant contribution from your fortnight to your piggy bank so that you can find your ideal bank policy and manage it in the best way. .
For more information on this and other topics, visit the My Pocket Credits section.
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