クレジットカードでショッピングをした時の返済方法について

金融

クレジットカードの登場によりショッピングの利便性は向上しましたが、カード決済の仕組みとは、どういうものでしょう。

ショッピングで商品を先に手に入れ、後で支払う形になるので、いわゆる借金をしていることになります。

クレジットカードでの買い物をする時には、支払い日をチェックしておいて、忘れずに返済をするようにしましょう。

クレジットカード会社に対して、一時的に先払いしてもらっている分を後で精算することになります。

クレジットカードで決済を行う時には、カード会社への支払いをどのようにするか選ぶ手順が存在します。

スポンサーリンク

クレジットカードで決済をする時には、お店の人から、何回払いで支払いを行いたいかを確認してもらえます。

カードで支払いをする時に、返済回数をどうするか決めることがほとんどですが、場合によっては回数制限か設けられています。

一括払いにした場合には、クレジットカード会社が指定する返済日に1回で全額支払うというものです。

一括で精算するには手持ちのお金が不足しているという人は、分割払いにすれば、月々の支払金額が家計を圧迫せずに済みます。

次にボーナスが入ったら一括で支払ったり、2回に分けて支払うなどで、返済の負担を減らすこともできます。

リボルビング払いでは、月々の支払金額に上限を設定しておいて、支払いきれなかった分は翌月以降に繰り越すという仕組みです。

クレジットカードを使って決済をした時には、どんな支払い方法を選択するかは顧客の希望次第ですので、どんな支払い方法が自分に適しているかを考えるといいでしょう。

スポンサーリンク

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