When the end of the payment begins to open, parceling out the goods may be a good option or the parceling of your own purchases and services seems to relieve the bar so that no guarantor can pay the full value.
However, despite appearing to have advantageous functions, the divided function can create several problems for the user, especially if it does not take into account its main disadvantages.
In this sense, this article was intended to present these disadvantages and show how a divided function can be a relationship of love and hate.
1. I swear!
It is impossible to start this short list of the best things in the parcel. Brazil has the highest legal tax rate in the world, being 352,76% per year and the selic taxa 4,5%, despite its reduction, it continues to be quite high in comparison with other emerging countries.
So, it's safe to say that not paying for a plot can cause quite high damage in your orçamento.
And this is also related to the parceling of your fatura. Even when the rotating tax rate is at its lowest value, 11%, it is possible to invoice R$800.00, for example, to R$917.00 at ease.
Therefore, think carefully before signing parcels with a guarantee and always guarantee that you will be able to pay your bills in full.
2. The reduced limit
If you are used to plots you will be able to face moments of quite reduced limits, that is why the plots open up or their limit.
This is because you want to expand your limit and this process may end up losing or controlling two of your expenses, so you will have to manage current expenses with future expenses.
Furthermore, banks will never grant you the necessary limit and you cannot control the possibility that you will end up being unable to use the card.
Or that in the end it will be done as you have many opportunities for discounts.
3. Incapacity of the child
When you use the parceling function, you will have to guarantee that you will be able to pay for the parcels since your bill is high, so this means that you will have a very difficult time paying for it, because you will need to raise money to pay the bill and also develop your economy.
Another question is that you will need to guarantee that you will have enough income for the next month.
In moments of crisis, unemployment can end up dragging you down for the individual, when there are no accidents and surprises that can cause abrupt expenses and in this case you would enter the second problem, because apart from you being able to have no money for the expense you will also be able to have no limit necessary to collect it.
Financial planning: How to make the most of the divided function?
After you have presented the worst problems of the plot, it is time to show ways to take advantage of this function and reduce the chance of ending up with disastrous mistakes.
Only parcel when strictly necessary
The plot only really shines as it functions. credit card When it allows you to acquire services and products without having to pay their full value. This is, therefore, for products and services with relatively high costs, but when parceled they can be brought down.
So, if you can buy something at sight, you prefer to use that function, but if you can't buy, parcel it!
Buy with your next month's item in mind
It makes no sense to postpone a purchase if you are not sure that you will be able to remove it completely. Guarantee that you have money to spend before purchasing plots.
I thought that the plot is a project like any other that needs to be thought about in the long term!