Kreditkort, bankkort, betalkort - vad är bäst för dig och hur väljer man rätt?
Vill du ha full kontroll över dina inköp direkt, och alltid vara säker på att du har täckning på kontot? Då är kanske ett klassiskt bankkort att föredra. När du handlar med ditt bankkort dras pengarna direkt från ditt konto, så länge som du har pengar på det konto som ditt kort är kopplat till. Om du däremot föredrar att i slutat av månaden se över dina inköp och betala allt i en klumpsumma bör du istället överväga att skaffa ett kreditkort. Med kreditkort kan du alltid handla, oavsett om du har pengar på kontot vid det specifika köpetillfället. Ofta väljer du själv hur stor du vill att din kredit skall vara. Ett kreditkort kan också sägas utgöra ett alternativ till ett traditionellt lån.
I företagsvärlden är betalkort ett mycket vanligt och effektivt alternativ. Ett betalkort är oftast inte försett med en bestämd kreditgräns, vilket är fördelaktigt för större företag med många anställda på resande fot. Istället för den ränta som oftast är förknippad med ett kreditkort, betalar man för sitt betalkort en kortavgift. Observera också att hela det belopp man handlat för med sitt betalkort, skall betalas tillbaka inom en månad. Det gäller alltså att inte handla för mer än vad man kan betala tillbaka!
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