{"id":372,"date":"2020-01-28T12:14:51","date_gmt":"2020-01-28T09:14:51","guid":{"rendered":"https:\/\/www.cursvalutar.ro\/blog\/?p=372"},"modified":"2020-04-25T19:06:23","modified_gmt":"2020-04-25T16:06:23","slug":"cardul-de-credit-ce-este-cum-functioneaza-si-care-sunt-avantajele","status":"publish","type":"post","link":"https:\/\/www.cursvalutar.ro\/blog\/cardul-de-credit-ce-este-cum-functioneaza-si-care-sunt-avantajele\/","title":{"rendered":"Cardul de credit: ce este, cum func\u021bioneaz\u0103 \u0219i care sunt avantajele?"},"content":{"rendered":"

\u00cen prezent, foarte mul\u021bi oameni de\u021bin unul sau mai multe carduri de credit. Acesta este un instrument de plat\u0103 ce poate fi extrem de util, dac\u0103 este \u00een\u021beles pe deplin \u0219i folosit pentru a-i maximiza beneficiile. \u00cen schimb, cardul de credit poate fi dezavantajos dac\u0103 tranzac\u021biile efectuate prin intermediul s\u0103u nu sunt gestionate responsabil.<\/p>\n

Ce este cardul de credit?<\/h2>\n

Cardul de credit este o linie e credit oferit\u0103 de c\u0103tre banc\u0103<\/a>, \u00een anumite condi\u021bii. Aceast\u0103 linie de credit este condi\u021bionat\u0103 de istoricul t\u0103u (bonitatea) \u0219i de condi\u021biile fiec\u0103rei b\u0103nci. Astfel, suma disponibil\u0103 pe cardul de credit poate fi cuprins\u0103 \u00eentre echivalentul a 2 \u0219i 6 salarii, aceast\u0103 linie de credit av\u00e2nd un cont \u0219i un card ata\u0219ate.<\/p>\n

Cardul de credit poate fi folosit pentru pl\u0103\u021bi la comercian\u021bi, online sau offline, ori pentru a scoate bani cash de la bancomat. Nu vei avea comisioane atunci c\u00e2nd pl\u0103te\u0219ti cu cardul de credit, dar dac\u0103 vei scoate bani de la bancomat, vei avea de achitat dob\u00e2nda calculat\u0103 din prima zi de utilizare a banilor p\u00e2n\u0103 la rambursare.<\/p>\n

Cum func\u021bioneaz\u0103 cardul de credit?<\/h2>\n

Aceast\u0103 linie de credit func\u021bioneaz\u0103 pe acelea\u0219i principii ale unui credit bancar, diferen\u021ba fiind doar suma implicat\u0103. Spre exemplu, po\u021bi avea un card de credit cu o limit\u0103 de credit de 2.000 de lei. \u00cen acest caz, po\u021bi folosi p\u00e2n\u0103 la 2.000 de lei pentru orice \u00ee\u021bi dore\u0219ti, dar ace\u0219ti bani trebuie rambursa\u021bi inapoi \u00een cont, iar \u00een func\u021bie de tranzac\u021biile<\/a> tale, banca \u00ee\u021bi va percepe un comision conform cu condi\u021biile cardului de credit respectiv.<\/p>\n

\"cardExist\u0103 anumite servicii care necesit\u0103 exclusiv un card de credit, spre exemplu \u00eenchirierile de ma\u0219ini sau serviciile turistice. Motivul pentru care ace\u0219ti comercian\u021bi solicit\u0103 expres plata cu un card de credit este faptul c\u0103 bonitatea clientului este deja verificat\u0103 de c\u0103tre banc\u0103, iar acesta prezint\u0103 astfel mai mult\u0103 credibilitate.<\/p>\n

Majoritatea b\u0103ncilor ofer\u0103 o perioad\u0103 de gra\u021bie pentru rambursarea sumei folosite. Mai exact, un interval de timp \u00een care po\u021bi s\u0103 dai \u00eenapoi integral banii folosi\u021bi f\u0103r\u0103 s\u0103 pl\u0103te\u0219ti dob\u00e2nda afarent\u0103, iar aceast\u0103 perioad\u0103 variaz\u0103 \u00eentre 45 \u0219i 55 de zile, \u00een func\u021bie de banc\u0103.<\/p>\n

Perioada de gra\u021bie se aplic\u0103 doar \u00een cazul tranzac\u021biilor offline sau online cu cardul de credit, nu \u00een cazul \u00een care retragi bani de la bancomat. \u00cen situa\u021bia din urm\u0103, va trebui s\u0103 achi\u021bi dob\u00e2nda aferent\u0103 din prima zi \u00een care ai retras cash de la ATM.<\/p>\n

Avantajele cardului de credit<\/h2>\n

Primul avantaj important al cardului de credit este faptul c\u0103 dispui de o sum\u0103 de bani \u00een cazul \u00een care ai nevoie. Un alt mare avantaj al cardului de credit este faptul c\u0103 po\u021bi pl\u0103ti \u00een rate la partenerii b\u0103ncii care a emis cardul, iar la aceste tranzac\u021bii nu se percepe dob\u00e2nd\u0103. \u00cen acest caz, trebuie s\u0103 te asiguri c\u0103 pl\u0103te\u0219ti toate ratele la timp, altfel \u00eentreaga sum\u0103 utilizat\u0103 \u00een achizi\u021bie va deveni purt\u0103toare de dob\u00e2nd\u0103.<\/p>\n

Majoritatea cardurilor de credit beneficiaz\u0103 \u0219i de bonusuri la pl\u0103\u021bi. Mai exact, po\u021bi primi un procent din bani \u00eenapoi sau puncte la achizi\u021bii, puncte care se \u00eentorc sub form\u0103 de bani pentru a le folosi fie la tranzac\u021bii viitoare, fie pentru a ob\u021bine alte beneficii.<\/p>\n

\u00cen concluzie, cardul de credit \u00ee\u021bi poate oferi o mul\u021bime de beneficii, trebuie doar s\u0103 te asiguri c\u0103 \u00een\u021belegi cum func\u021bioneaz\u0103 acesta, cuno\u0219ti \u00een detaliu ce condi\u021bii implic\u0103 \u0219i \u00eel folose\u0219ti responsabil.<\/p>\n","protected":false},"excerpt":{"rendered":"

Vrei s\u0103 \u0219tii ce este cardul de credit, cum se folose\u0219ti \u0219i ce avantaje are? Descoper\u0103 \u00een articolul nostru cum po\u021bi maximiza beneficiile cardului de credit!<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-372","post","type-post","status-publish","format-standard","hentry","category-termeni-financiari"],"yoast_head":"\nCardul de credit: ce este, cum func\u021bioneaz\u0103 \u0219i care sunt avantajele? - Blog CursValutar.ro<\/title>\n<meta name=\"description\" content=\"Vrei s\u0103 afli mai multe despre cardul de credit \u0219i avantajele sale? 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