Hva er et kredittkort

credit-card-stack

Et kredittkort er et betalingskort som kan brukes over det meste av verden. De kommer i mange ulike varianter, men det er ingen tvil om at Visa er det mest brukte kredittkortet på verdensplan. Du kan betale med et Visa kort i de fleste land, selv om det fremdeles finnes noen land hvor de kun bruker Mastercard. Dette kortet, er det nest mest brukte kortet. Ellers har du sikkert hørt om American Express og Diners Club. De litt mer ukjente kredittkortene, som Discover og JCB, er veldig populære i USA og Asia, men det er ikke så veldig mange som benytter dem i Norge. Det er flere nettsider som sammenligner ulike kredittkortilbydere, her er en nettside som har foretatt en kredittkort test.

Fordeler med et kredittkort

Det er mange fordeler ved å ha et kredittkort, spesielt i disse elektroniske tider hvor mye handel skjer på internett. Men, også på reisen er kortet kjekt å ha. Mange mennesker har fått øynene opp for disse fordelene, noe som også bekreftes av at flere og flere går til anskaffelse av et. Med et kredittkort slipper du f.eks. å skulle ut med mange penger i depositum til hotellreservasjonen, billeien eller noe annet. Bruker du kortet til dette, blir et beløp kun reservert på kortet ditt, men det har ingenting å si for det disponible beløp på kortet. Dette er en ting mellom hotellet eller bilutleieselskapet og din bank. Uten et kredittkort, må du faktisk se på at pengene blir tatt ut fra din bankkonto til de nevnte depositum.  Du får selvsagt pengene igjen, men det er likevel trist å mangle dem på kontoen i mange måneder forut for reisen.

creditKortets kredittramme

Men hva er et kredittkort egentlig? Når du har fått kredittkortet ditt, så har du også fått en kredittramme som er tilknyttet kortet. I dag finnes det et utall av ulike kredittkort alene i Norge, men i bunn og grunn er de alle like.  Uansett om kortet heter Liverpool Mastercard, Coop Mastercard, Cresco Gold eller Flexi Visa, så har de alle en kreditt som er knyttet opp mot seg.  Med denne kredittrammen kan du kjøpe det du vil, og mange benytter seg også av dette. Men det som egentlig skjer er, er at det er banken eller finansieringsselskapet som betaler for deg.  Det vil i praksis si, at du låner pengene av dem og betaler lånet tilbake, når du betaler regningen du får fra dem. Langt de fleste tilbyr i dag en rentefri betalingsutsettelse. Betaler du hele beløpet du har brukt i siste periode, ved forfall, koster det deg ingenting å låne disse pengene.

Renter

Benytter deg av muligheten til å utsette betalingen litt ekstra, kommer rentene og det kan bli dyrt. Renten varierer en del, men er gjerne på mellom 20‐30% pr. år. Skylder du kr. 10.000,‐, blir det ikke mer enn et par hundre kroner i rente. Men om du har vært flink til å shoppe, da kan det plutselig bli en del penger i renteutgifter. Om du går i fella og kun betaler minstebeløpet hver måned, da vil dette akkurat dekke rentene og ditt utestående blir ikke noe mindre. Du bør derfor bruke kortet fornuftig og betale ditt forbruk ved forfall. Da har du fått kjøpt varer, kanskje vært på en liten reise og samtidig ikke brukt noen penger på din bankkonto. Du har fått utsatt betalingen med rundt 45 dager og betaler du din faktura ved forfall, koster det deg ingenting. En bør derfor legge penger til side, når en har brukt kortet. Da kan regningen betales når du mottar den.

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