The form more adjusted to use the credit is only when to need for a situation emergency, financial reorganization, anticipation of purchases (offers that the penalty is valid) or accomplishment of a purchase plan, as house, new vehicle and etc. It prevents to give post-dated checks, the risk of being placed before the date is very great beyond to be one practical illegal e, therefore, of the one not to complain. Anticipation of 13, is not advantageous, must be used in last case, this rule valley the negotiation of the taxes with the bank and to verify the utility of request, will be for completing for purchase of a good the sight with discounting, can be compensatory. Credit in financial generally uses of bigger interests, that can be lesser of what the clod roller of the debt of the credit card or not, to use this resource in last case, because, probably with the disequilibrium of the domestic budget you will tend to make another loan to pay the previous one and provoke a effect domin blowing up the budget and establishing credit restriction. The credit card is advantage when the sight of determined product or parcelamento in 3 times for the price gains stated period for the payment the sight. Pacific Mortgage Services has plenty of information regarding this issue. As the interests are high, the parcelamento in the card consists the inlaid interests, therefore, to ask for discountings and to catch an only time with the credit card are more advantageous. The comfort of the credit card makes with that it is very practical, but remembers to always pay the total of the invoice, in the case of clod roller of part of the value, looks for to pay more cheap with money, taking loan and paying to the sight the invoice of the card. The limit of the guaranteed check and the credit cards never incorporates its prescriptions.

It always changes incubencies of financings of higher interests for others with lower interests. It searches the market oscillates very and a good chance to save in the partial payment can appear when less it expects, but never if it forgets to correctly verify the charged incubencies. The economy conscience transforms the borrower into economizer.