{"id":2651,"date":"2023-10-04T22:08:17","date_gmt":"2023-10-04T22:08:17","guid":{"rendered":"https:\/\/invertiscapital.com\/credito-vs-debito\/"},"modified":"2023-10-24T15:22:58","modified_gmt":"2023-10-24T15:22:58","slug":"credit-vs-debit","status":"publish","type":"post","link":"https:\/\/invertiscapital.com\/ca\/credit-vs-debit\/","title":{"rendered":"Cr\u00e8dit vs Debit"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Avui us expliquem els avantatges i desavantatges de les targetes de cr\u00e8dit VS. D\u00e8bit.<\/p><p class=\"wp-block-paragraph\">Com ja sabr\u00e0s, la targeta de cr\u00e8dit permet el pagament ajornat, \u00e9s a dir, la possibilitat de comprar ara i pagar despr\u00e9s, independentment dels diners que hi hagi al compte. Amb les targetes de d\u00e8bit la despesa es carrega immediatament, de manera que si no hi ha saldo no permet comprar.<\/p><p class=\"wp-block-paragraph\">Els avantatges de fer servir una targeta de d\u00e8bit s\u00f3n:<\/p><ul class=\"wp-block-list\"><ul class=\"wp-block-list\"><li><strong>Evites endeutar-te.<\/strong> El teu saldo marca el teu l\u00edmit de manera que evites comprar m\u00e9s del compte.<\/li><li><strong>Tenen menys comissions.<\/strong><\/li><li><strong>S\u00f3n gratu\u00eftes.<\/strong> La gran majoria no inclouen c\u00e0rrecs per emissi\u00f3 ni manteniment.<\/li><li><strong>S\u00f3n m\u00e9s f\u00e0cils de contractar<\/strong>. Nom\u00e9s caldr\u00e0 un compte corrent, sense requisits addicionals d&#8217;ingressos o nivell de deute.<\/li><li><strong>Tamb\u00e9 inclouen assegurances<\/strong> com a valor afegit: assegurances d&#8217;accident o de viatge.<\/li><li><strong>Et permeten controlar les despeses<\/strong>. Cada despesa apareix reflectida i tamb\u00e9 les retirades d&#8217;efectiu.<\/li><\/ul><\/ul><p class=\"wp-block-paragraph\">Pel que fa als desavantatges, tenen menys protecci\u00f3 contra el frau i limitacions a l&#8217;hora de retirar efectiu (solen estar al voltant de 600 euros).<\/p><p class=\"wp-block-paragraph\">D&#8217;altra banda, les<strong>targetes de cr\u00e8dit<\/strong> tenen alguns punts a favor seu:<\/p><ul class=\"wp-block-list\"><ul class=\"wp-block-list\"><li>Assegurances addicionals, com ara asseguran\u00e7a de viatge per a accidents o despeses m\u00e8diques, asseguran\u00e7a de danys o p\u00e8rdues i fins i tot asseguran\u00e7a de vida.<\/li><li>Les accepten a tot arreu.<\/li><\/ul><\/ul><p class=\"wp-block-paragraph\">Davant aquests dos avantatges es col\u00b7loquen una s\u00e8rie d&#8217;inconvenients que val la pena con\u00e8ixer i valorar:<\/p><ul class=\"wp-block-list\"><ul class=\"wp-block-list\"><li><strong>\u00c9s molt f\u00e0cil descuidar-se i activar el cr\u00e8dit<\/strong>. La majoria dels bancs intentaran que tri\u00efs el pagament ajornat, amb qu\u00e8 abonar\u00e0s una quantitat cada mes a la financera independentment del que gastis, per la qual cosa estar\u00e0s pagant interessos des del minut zero.<\/li><\/ul><\/ul><p class=\"wp-block-paragraph\">Tot i aix\u00f2, el que la majoria de les persones trien \u00e9s el pagament mensual per totalitat de la despesa, mitjan\u00e7ant la qual es van acumulant compres i dispendis, i arribat un determinat dia del mes, es paguen. Si hi ha diners al compte tot perfecte, per\u00f2 si no s&#8217;activa el cr\u00e8dit que pot tenir<strong>interessos superiors al 15%<\/strong>. El problema \u00e9s que \u00e9s molt f\u00e0cil activar-lo, ja que en cap moment en consultar el teu compte corrent veur\u00e0s reflectits els diners gastats fins al dia del pagament.<\/p><ul class=\"wp-block-list\"><ul class=\"wp-block-list\"><li><strong>Tenen m\u00e9s despeses i comissions.<\/strong> Quota d\u201femissi\u00f3, renovaci\u00f3, comissions per trasp\u00e0s de fons o disposici\u00f3 d\u201fefectiu.<\/li><li><strong>Desquadra la teva gesti\u00f3 financera.<\/strong> Els interessos de la targeta de cr\u00e8dit faran que sigui molt dif\u00edcil ajustar-te al teu pressupost, ja que varien en funci\u00f3 del que gastis i aix\u00ed \u00e9s complicat gestionar adequadament els teus diners.<\/li><li><strong>Despeses m\u00e9s del compte:<\/strong> com no veus quant t&#8217;est\u00e0s gastant, \u00e9s f\u00e0cil que acabis comprant coses que no necessites.<\/li><\/ul><\/ul><p class=\"wp-block-paragraph\"><figure class=\"wp-block-image\"><figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-2763 size-full\" src=\"https:\/\/invertiscapital.com\/wp-content\/uploads\/2021\/08\/Imagen2.jpg\" alt=\"\" width=\"1298\" height=\"730\" \/><\/figure><\/figure><\/p><h6 class=\"wp-block-heading\"><em>Fotografia de Negocis creat per jcomp &#8211; Freepick<\/em><\/h3><p class=\"wp-block-paragraph\"><strong>Aleshores, quin he d&#8217;utilitzar?<\/strong><strong> <\/strong><\/p><p class=\"wp-block-paragraph\">Per gestionar b\u00e9 les teves finances,<strong>l&#8217;ideal \u00e9s utilitzar \u00fanicament targetes de d\u00e8bit, i desar una targeta de cr\u00e8dit<\/strong>nom\u00e9s per a ocasions especials en qu\u00e8 sigui imprescindible.<\/p><h6 class=\"wp-block-heading\">Agra\u00efments a preahorro.com<\/h3><h6 class=\"wp-block-heading\">Font de l&#8217;article:<a>https:\/\/preahorro.com\/deute\/avantatges-i-desavantatges-de-les-targetes-de-debito-y-credito\/<\/a><\/h3>","protected":false},"excerpt":{"rendered":"<p>Avui us expliquem els avantatges i desavantatges de les targetes de cr\u00e8dit VS. D\u00e8bit. Com ja sabr\u00e0s, la targeta de cr\u00e8dit permet el pagament ajornat, \u00e9s a dir, la possibilitat de comprar ara i pagar despr\u00e9s, independentment dels diners que hi hagi al compte. Amb les targetes de d\u00e8bit la despesa es carrega immediatament, de [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":2530,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_robots_primary_cat":"","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","footnotes":""},"categories":[126],"tags":[],"class_list":["post-2651","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finances-personals-i-planificacio","has-post-title","has-post-date","has-post-category","has-post-tag","has-post-comment","has-post-author",""],"acf":[],"builder_content":"","_links":{"self":[{"href":"https:\/\/invertiscapital.com\/ca\/wp-json\/wp\/v2\/posts\/2651","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/invertiscapital.com\/ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/invertiscapital.com\/ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/invertiscapital.com\/ca\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/invertiscapital.com\/ca\/wp-json\/wp\/v2\/comments?post=2651"}],"version-history":[{"count":3,"href":"https:\/\/invertiscapital.com\/ca\/wp-json\/wp\/v2\/posts\/2651\/revisions"}],"predecessor-version":[{"id":2814,"href":"https:\/\/invertiscapital.com\/ca\/wp-json\/wp\/v2\/posts\/2651\/revisions\/2814"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/invertiscapital.com\/ca\/wp-json\/wp\/v2\/media\/2530"}],"wp:attachment":[{"href":"https:\/\/invertiscapital.com\/ca\/wp-json\/wp\/v2\/media?parent=2651"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/invertiscapital.com\/ca\/wp-json\/wp\/v2\/categories?post=2651"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/invertiscapital.com\/ca\/wp-json\/wp\/v2\/tags?post=2651"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}