The Credit cards those who can prove to have a correct financial life are offered by banks. Even users request them with the aim of maintaining a positive credit history. However, it is common for credit cards to have an annual membership fee charged for the benefits that each card offers.
This payment may vary according to the level and promotions or offers available in the establishments affiliated with each card. In that line, it is important to know some tips that can be of great help for those who are thinking of requesting or even renewing them with a new credit.
How could I not pay the membership of credit cards in Peru?
According to the recommendations of Jorge Luis Ojeda, professor at the EPE Faculty of Business of the Peruvian University of Applied Sciences (UPC), first of all, the acquisition of cards without membership fee. “Some banks offer cards that are free of membership since the beginning of the contract. If you do not want to pay this fee, you can opt for this type of card,” he mentions the Andean agency.
However, in the event that you already have a card with membership Annual, banks usually establish conditions to exonerate payment. You could consider these indications:
- Continuous use of the card: Use the card during the 12 months of the year.
- Monthly consumption: Maintain a specific monthly consumption level.
- Number of transactions: Make a minimum number of monthly transactions, regardless of the amount.
What other ways do I have to avoid the payment of the credit card membership this 2025?
In addition, Ojeda also suggests opting for automatic charges as a strategy to guarantee compliance with recurrent payments conditions. For example, the card can be affiliated so that light, cell phone or streaming services such as Netflix or Spotify are automatically paid. It is crucial to pay attention to the conditions at the time of Acquire the card and write them down to fulfill them. Membership conditions can also change over time, so it is essential to be attentive to the bank’s communications.
Why is it important to have a credit card?
The Credit cards They are one of the best known and used financial products worldwide. These cards, provided by financial entities, allow customers to acquire goods and services without having cash at that time, enabling subsequent payment. In addition, having a credit card is essential for the creation and improvement of the Credit history: What is an evaluation of your financial behavior, which is very important for banking entities.
By possessing one credit cardyour financial activity is registered and the banks can see how you develop: if you buy, if you pay promptly, if you have delays, among other aspects. A good credit history gives you the opportunity to access more favorable financial products, such as personal loans or mortgage loans. Therefore, having a credit card and using it in a responsible manner can open doors to better financial opportunities in the future.
Source: Larepublica
Alia is a professional author and journalist, working at 247 news agency. She writes on various topics from economy news to general interest pieces, providing readers with relevant and informative content. With years of experience, she brings a unique perspective and in-depth analysis to her work.
