General advice on financial products

We offer advice to help you avoid unnecessary costs related to financial organizations and financial products.

Do not withdraw money from a credit card

Using a credit card strategically can help you save money and avoid unnecessary costs. One approach is to avoid cash withdrawals from your credit card, as they often come with additional fees and higher interest rates compared to regular card transactions. Instead, use your credit card for payments at merchants whenever possible.

Avoid defaulting on a loan

When it comes to loans, it is important to make timely payments to avoid additional fees and penalties. Late payments can result in late fees, increased interest rates, and even damage to your credit score.

Discard the product when you are not using it

Reviewing and canceling unused financial products can help you avoid unnecessary fees and expenses. It's a good practice to regularly assess your financial accounts, such as bank accounts, credit cards, and subscriptions. If you have financial products that you no longer use or have no intention of using in the future, it's advisable to cancel them. This will prevent you from incurring unnecessary fees, such as account maintenance fees or annual fees, and help streamline your financial accounts.

Compare financial products and choose the most favorable one

When selecting a banking product for your payments, it's worth considering the convenience and cost-effectiveness of remote banking options. You will often have lower costs using remote products.