Those who already had the name “dirty” in SCPC, SPC Brazil or SERASA Experian know better than anyone the problems and the discomfort that this brings to the life of the person. You can not get much personal credit much less open a simple credit, can no longer finance anything and still is a victim of prejudice on the part of some people. So that this does not happen to you, there are a few tips to follow to protect your credit.
Begin by doing what seems the most obvious, but it remains the main reason for borrowing: do not buy more than you can afford! You can help yourself in this task by creating a financial planning with purchase priorities, this will help you buy only what is needed and make buying impulse difficult. Through planning you know exactly how much you can spend, and you avoid debts.
Most people end up getting into debt through indiscriminate use of credit card. Of course, card companies will give you a higher limit than what you can afford, that’s a fact. So who should control how much you spend, it’s you! A lot of people spend without worrying, and when the invoice comes, the value is so high that the person can only pay the minimum amount. That’s where the trouble starts.
Indiscriminate use of credit card
Paying only the minimum amount your debt is going to be added to interest, and do not know if you know, but the credit card interest in Brazil is one of the highest in the world! This means that your debt only increases, even if you pay at least the minimum amount of the invoice. Then to get lost in the accounts and to stop at SPC Brasil are two skips. You see, all this would be avoided if there was a plan and the credit card was used responsibly.
Did you know that there are a lot of people that have lost their access to credit even following all the tips we presented above? Yes, people who never owed anything to anyone, always paid their bills on time, and now have the name “dirty” in the square. Do you know the mistake they made? They lent you your name to make personal credit to other people. They let the neighbor, the friend, the cousin buy in their name and took the biggest default!
Your name and your personal credit are the guarantees that you can count on loans and financing when you need it, the practice of financial planning and the tips we gave you above are the ideal recipe for you to protect your credit.
Personal credit are the guarantees
Take good care of your credit and do not be helpless when you need a little help to get some good, take a trip or that reform in the house, it is the guarantee of a quieter life and do not forget to protect yourself from debt.