Kredittkort
… Med tanke på nyopprettet gjeldsregisteret (skal skrive om det senere)…
Jeg tror mange i Norge har kredittkort. Vår husholdning har hele 4 kredittkort! Ett av dem er helt unødvendig (gratis til brukskonto), så jeg skal slette det snart. Men de 3 er veldig praktiske og vi bruker de aktivt. Hvilket kort har vi og hvorfor bruker vi de?
– Norwegian: brukes for å spare Cash-poeng, som gir deg reise med Norwegian
– Coop Masterard: brukes for å tjene poeng ved kjøp, oppspart utbytte betales ut på konto i neste år
– 365Direkte: vi bruker det for å få rabatt på drivstoff.
Veldig og veldig viktig poeng: man skal ikke bruke kredittkort dersom man har ikke å råd å betale for det.
Vi bruker kredittkort, men vi har penger på konto. Det er smart å bruke kort på noe større innkjøp man sparte penger til. Eksempel hos oss, vi betalte kr 100 000 i innskudd med kredittkort når vi kjøpte bil, det ga oss tilbake kr 1 000, liten men hyggelig rabatt 🙂
- Norwegian bruker vi til å fly (i hvert fall brukte før Anna ble født). Men vi er reiseglade mennesker, derfor det er fint å tjene opp poeng ved kjøp.
- Coop Mastercard bruker jeg hele tiden, både ved handel på Coop og andre butikker. Det er hyggelig å få penger tilbake på konto , da kan man bruke de igjen. Med Coop-appen får man oppdatert oversikt over «sparte» utbytte kroner, så det er enkelt å planlegge fremover.
- 365Direkte gir rabatt ved påfyll av drivstoff og siden vi har bil, den kostnaden kommer uansett. Derfor er det hyggelig å få rabatt rett på fakturaen.
Som sagt, vi bruker kredittkort både daglig og til større innkjøp. Men det er alltid står penger på konto, slik at vår bruk gir oss fordeler og ikke ulemper (i form av renter og gebyrer, som er veldig høye).
Hvilket kredittkort bruker dere?
96 kommentarer
Tom Lervåg
Hei.
Spurte om dette på blogg.no, men ser nå at du har lagt ned den bloggen :-/ Jeg skrev:
Angående Coop..Jeg ser at medlemskortet til Coop gir kjøpeutbytte på 1% som konverteres til kontanter (https://coop.no/medlem/medlemsfordeler/kjopeutbytte).
Vet du om jeg trenger det vanlige medlemskortet for å få full uttelling med 2% cashback? Her står det at kredittkortet gir 1% ekstra i bonus på alle kjøp, på toppen av kjøpeutbytte, men uklart om jeg må eie begge. Tenker selv at det gir liten mening? (https://www.kredittkortinfo.no/coop-mastercard).
Maria Korslund
Hei Tom,
Det er hyggelig at du leser bloggen min! 🙂
Jeg har Coop Mastercard for å utnytte poeng fullt, med kredittkortet kan du nå 1 % på alt kjøp. Coop medlemskortet gir 1 % (eller høyere med kampanje) i Coop sine butikker, men ikke utover (bare noen samarbeids-partnere).
Men jeg anbefaler ikke å ha kredittkort dersom man ikke har kontroll over økonomien, da kan det være lett å komme inn i en felle med høye renter og gebyrer.
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