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Een Creditcard Nemen

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by: peterdaas
Total views: 415
Word Count: 339
Date: Sun, 27 Dec 2009 Time: 1:40 PM
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Na een langzaam begin lijkt het erop dat de creditcard flink terrein wint. Als je naar de Verenigde Staten kijkt dan zie je dat een creditcard voor consumenten al een onmisbaar betalingsinstrument is. Zelfs bij de kassa aan de supermarkt betaalt men al bijna alles met creditcard.

Veel mensen stellen de vraag of dit allemaal wel zo goed is, omdat een creditcard schuld nogal snel wordt opgebouwd. Een creditcard krijgen is hier nog best lastig en met een BKR codering bijna onmogelijk. In Amerika was het hartstikke simpel om een creditcard te krijgen, of je nou een goede credit score had of niet. Het gevolg was dat creditcard maatschappijen meer en meer geld leenden aan mensen die niet geschikt waren voor die kredietverantwoording. Een gevolg was dat het een en ander totaal in de soep liep. Het scenario voor een bankencrisis was daarmee compleet.

Een creditcard is simpelweg een lening gekoppeld aan een kaartje. Een creditcard werkt in de praktijk ongeveer als een PIN pas, met als belangrijk verschil dat een PIN pas vereist dat je saldo hebt en een creditcard niet. Afhankelijk van je creditcard verstrekker en contract betaal je elke maand de hele balans of je betaalt het in bijvoorbeeld 10 gespreide termijnen.

De inkomsten voor een creditcard verstrekker komen voornamelijk van de hoge rentes die er worden geheven bij gespreide betaling. Ze verdienen dus geld aan een gespreide terugbetaling en het gros van de mensen kiest uit gemak voor gespreid terugbetalen.

Wat je het beste kunt doen is wel een creditcard aanvragen, maar alleen om te betalen in het buitenland en online te betalen. Om te voorkomen dat je voor de dagelijkse dingen ook rente moet betalen kun je die het beste met een PIN pas doen of met cash geld. Met die middelen kun je dus geld besparen in rente en krijg je zelfs rente over je banksaldo. Je plukt uiteindelijk gewoon de vruchten van een bestaan zonder schuld.

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