Accessing this information avoids great fraud and future problems
Have you ever stopped to dissect your credit card bill?
Between numbers and technical terms, there are details that can directly impact their finances.
We joined Nubank’s blog and selected six points that deserve your attention!
6 things you have never noticed on credit card bill – and can make a difference
1. Closing and maturity date
Starting our list, the closing date is when the operator ends the month’s purchasing cycle.
Purchases made after this date enter the next invoice. The due date is the deadline for payment without interest. Knowing these days helps in spending planning.
2. Minimum payment and revolving interest
Paying only the minimum may seem tempting, but the remaining balance enters the revolving credit, with interest that may exceed 15% per month.
This transforms a small debt into a financial snowball.
3. Available and used limit
Another thing is that the invoice shows how much of yours has been used and what is still available.
Monitoring these values avoid surprises and helps maintain spending control.
4. Purchasing details
Each transaction is described with date, value and establishment.
Verifying these data is essential to identify possible improper charges or even fraud.
5. Future installments
Installment purchases appear on the invoice with the value of the current installment, but it is important to remember that the next will come in the following months.
Add these values to understand the future commitment of your budget.
6. Fees and Charges
Finally, fines for delay, interest and other tariffs are discriminated against in the invoice.
Knowing these charges allows you to evaluate the real cost of credit and seek more economical alternatives when necessary.
By paying attention to these details, you take control of your credit card and prevent financial traps. Remember: information is power, especially when it comes to your pocket!
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