<!--[if gte mso 9]><xml> <o:OfficeDocumentSettings> <o:AllowPNG /> </o:OfficeDocumentSettings> </xml><![endif]--> <p class="MsoNormal">Günümüzdeki bankalarla işi olmayan hiç kimse yoktur. Ancak bankayla işlerini bilinçli bir şekilde yürütmeyenler zaman zaman mağdur olmakta, bankaları zengin etmektedir. Oysa bilinçli banka müşterileri bankaların imkanlarından yararlanmakta, kendileri bu ilişkiden karlı çıkabilmekte.</p> <p class="MsoNormal">Bilinçsiz banka müşterileri özellikle kredi kullanımı ve kredi kartı kullanımında büyük hatalar yapmakta. Hem zarar etmekteler hem de düşük <a title="kredi notu" href="http://kredibilgi.org/category/kredi-notu/"><strong>kredi notu</strong></a> sahibi haline gelmekteler.</p> <p class="MsoNormal">Aslında <a title="kredi kartları" href="http://kredibilgi.org/category/kredi-kartlari/"><strong>kredi Kartları</strong></a> tüm tüketiciler çeşitli avantajlar sağlar. Öncelikle bugün harcayıp bir ay sonra ödersiniz, peşin fiyatına taksitle alınca ödemenizi uzun sürede yaparsınız. Böylece o parayı uzun süre kullanma imkanınız olur. Ancak eğer siz ‘nasıl olsa hemen cebimden çıkmıyor’ diye, bütçenizin üzerinde harcamalar yaparsanız ödemelerin altından kalkamazsınız. Bu defa kredi kartınızın asgari ödemesini yapmaya başlarsınız. Bankaların size sunduğu asgari ödeme seçeneği bir avantaj değil tuzaktır. Hiçbir zaman kredi kartı borcunuzun asgari ödemesini yapmayın, borcunuzu tam ve düzenli olarak ödeyin. Böylece hesabınızı bilir, bütçenizin üzerinde harcamalar yapmazsınız. Yoksa o asgari ödemenin dışındaki bölümler bir süre birikir, üzerine yüksek banka faizleri biner, sonra o borcu kapatmak için başka yerlerden borç almaya kalkar, battıkça batarsınız.</p> <p class="MsoNormal">Ardında kredi notunuz dibe vurur bir daha da kolay kolay banka kredisi kullanamazsınız. Hiç öyle “fabrika mı kuruyoruz, krediyi ne yapayım” diye düşünmeyin. Kredi kartı borcunuzu zamanında ödemezseniz bir gün çok pişman olabilirsiniz. Çünkü <b style="mso-bidi-font-weight:normal"><a title="kredi hesaplama" href="http://kredibilgi.org/category/krediler-hesaplama/">krediler</a> </b>sadece fabrika kuranlar için değildir. Gün gelir, ev ya da araba almak istersiniz. O kadar peşin paranız çıkmaz. Ya da paranızı bağlamak istemezsiniz. Düşük faizli kredi kampanyalarından yararlanmak istersiniz. Ancak bir bakarsınız, kredi notunuz düşük diye size kredi vermiyorlar.</p> <p class="MsoNormal">O nedenle bankalar yaptığınız her alışverişe büyük önem verin. Bilinçli bir müşteri olun. 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