The eleventh edition of The good end arrived, and with it the possibility of acquiring different products and services with discounts and offers, however it is important to be cautious when buying, without affecting your finances, in this sense the credit card can be an ally if it is used responsibly.
The pandemic of coronavirus It gave a turn to habitual purchases and promoted online purchases and electronic commerce that had already been growing considerably in previous years and in this sense, the benefits of using a credit card are several, of which you can take advantage of.
According to the National Commission for the Protection and Defense of Users of Financial Services (Condusef) during 2020, 176 million credit card operations were registered, an increase of 21% compared to the accumulated in 2019.
In this sense, the firm Sekura, specialized in insurance and affinity programs, one of the benefits that is available when making purchases with credit cards lies in the coverage or insurance that its plastic provides.
From protected purchases to possible identity theft when using your card, these are the protections that your bank gives you when using your credit cardHowever, sometimes many cardholders are unaware of these benefits.
“Many times the additional services offered by credit cards are unknown by their users; however, knowing them in detail will allow cardholders to get the most out of their benefits, such as accessing insurance products that can add great value in the event of an eventuality. ”, commented Igal Rubinstein, partner and CEO of Sekura .
One of the most noteworthy aspects, especially on the eve of El Buen Fin, is the protection that is acquired from items purchased with a card, such as electrical appliances or electronics, here, the protected purchase insurance is an ally.
“This service provides support in case of repair or total loss of the products and also helps to have extended warranties that are broader than those offered by the manufacturer,” said Rubinstein.
With the reactivation of activities and sightseeing, the purchase of trips to different national and international destinations will also be the most requested in this season of offers, and another of the benefits that they have when acquiring said service with their plastic consists of the assistance granted during an emergency.
“If you buy a trip with a credit card, you can automatically access assistance that can help you in case of any eventuality on your trip, such as delay or loss of luggage, trip cancellation, reimbursement of medical expenses due to accident or diseases; likewise, some cards also provide insurance for cars rented during the voyage, ”the firm explained.
With the increase in electronic commerce, some risks also increased, such as identity theft, and in these cases banks also protect their customers through coverage on their credit cards.
“There are insurances that are responsible for providing advice on what steps to follow in case of identity theft, how to have proper handling of the card, security tips, among others,” explained Rubinstein.
Protection
The pandemic left lessons on a culture of prevention, whether with medical or life insurance, with the purpose of protecting yours, and in the case of your credit card, these protections are not the exception, of According to the Sekura partner, most credit cards offer this insurance and cover the cardholder and their debts in the event of death.
“In some situations, beneficiaries can be chosen and they are paid an amount, which can be up to 50,000 pesos, although in most cases, the insurance is limited to covering the amount that the client owes to the card in the moment of the accident.
Months without interest
The offers to Months Without Interest (MSI) are also one of the qualities of paying with a credit card, but you also have to be careful when making your purchases, in this sense, Oscar Rosado, president of the Condusef advised cardholders prioritize purchases made under said scheme.
“If you want to buy for months without interest, try to buy durable goods; Remember that the useful life of the product must be greater than the term of the debt ”, he recommended.
The SAT also fits
Among the recent novelties that have been awarded to El Buen Fin, the raffle carried out by the Service tax administration (SAT), which for the eleventh edition of discounts has a bag of 500 million pesos, of which 400 million will be for businesses and 100 million for buyers who use their debit and credit bank cards.
According to the Treasury, the raffle will also offer promotions up to 24 months without interest, differentiated rates, double or triple points, among other benefits.
Reference-www.eleconomista.com.mx