にほんブログ村
今、しきりに色んなスマホのアプリ等、沢山出ています。なぜなら、低減税率の適応になるからです。
私は、というと色んなアプリ等試してみたが、もう飽きて管理するのも面倒になりそうです。
いろんな機能があり、ポイントが、貯まったり、家計簿をつける機能があったり。
とても、機能は、良いと思います。
ですから、全く使わないのは、やはり、時代遅れ、だとと思います。
私は、アプリ決済を再開しました。
しかし、私は、やはり、銀行との取引を、重視しますので、銀行系のクレジットカードやデビットカードをおすすめします。
なぜなら、大きい買い物、マイホームなどの購入には、ローンを組みます。
この時に「審査」が、入ります。
お取引のある方が、優先されると思います。
そこには、目に見えない、「信頼、信用」が、積み重なっているからです。
私は、マイホームを購入する時に、不動産会社の営業の人とお話ししたことがあります。
その時に、知ったことは、不動産を買いたくても、「融資」のつかない人が、多くて、その時に条件のあまり良くない銀行のローンしか使えないとか。
「融資」のつかない人が、多くいて、欲しい家が有るのに、買えない人が、多くいる現実を知りました。
ですから、銀行とのお取引を通じて、たくさんの「信頼、信用」を作ってください。
そして、最も大事なことは、銀行に嘘をつかない事です。
色んなことを相談してみましょう。きっと、良い情報があります。
これは、私の意見ですが、もうキャッシュカードを持っている人、これからもう1枚カードを持ちたいなら、デビットカードが、良いと感じています。
デビットカードは、各銀行や会社で発行されており、ATMを使わずに、銀行の現金を使うカードで残高以上に使う心配が無いので、15歳以上(中学生は除く、発行会社による)などにも、使えます。
ポイントも付きますし、海外でも現地のATMで現地通貨が引き出しできるので、海外旅行にわざわざ両替する手間が省けて便利です。
結局のところは、ご自身のご判断ですが、あまり知られていない「デビットカード」をご紹介しました。
友人が、お金に困ったとのこと、完済した住宅を持っていたので、それを担保にして、お金を借りました。これは、私が助言したのですが、カードローンで高額な金利が大変だったそうです。それで、私は、住宅ローンを組んでいた銀行に話してみれば？とアドバイスをしました。とても順調で、全てカードローンの金額を、安い金利にして、返し終えたそうです。銀行との取引は、大切にすることは非常に大切です。ぜひ、カードローンに困っている人も参考にしてくださいね。誠実に、嘘をつかずに、本当のことを言いましょう。ちゃんと審査してくれます。
A lot of smartphone apps are coming out all the time. This is because the reduced tax rate applies.
I've tried various apps, but I'm getting tired of them and it's becoming a pain to manage them.
It has a variety of functions, including the ability to accumulate points and keep a household account book.
I think the functionality is very good.
So I think it's outdated if you don't use it at all.
I have restarted app payments.
However, I still place importance on transactions with banks, so I recommend using a bank-affiliated credit card or debit card.
This is because people take out loans for big purchases, such as purchasing a home.
At this time, an “examination” will take place.
I think priority will be given to those who do business with us.
This is because invisible "trust and confidence" is accumulated there.
When I was purchasing a home, I spoke with a sales representative from a real estate company.
At that time, I learned that there are many people who want to buy real estate but cannot get a loan, and at that time, they can only use bank loans with less favorable terms.
I learned the reality that there are many people who cannot get a loan, and many people who want a house but cannot buy it.
Therefore, please build a lot of "trust and trust" through your transactions with banks.
And most importantly, don't lie to the bank.
Let's discuss various things. I'm sure there's some good information there.
This is just my opinion, but if you already have a cash card or want to get another card in the future, I think a debit card is better.
Debit cards are issued by each bank or company, and you don't have to worry about spending more than your remaining balance on the card without using an ATM. You can also use it.
You'll earn points, and you can withdraw local currency at local ATMs even when you're abroad, so it's convenient because you don't have to go through the hassle of exchanging money when traveling overseas.
In the end, it's up to you to decide, but we've introduced a little-known debit card.
A friend of mine was in financial trouble and had a house that had been paid off, so he borrowed money using that as collateral. I advised him on this, but he said he was having a hard time paying high interest rates on card loans. So I thought, why don't I talk to the bank where I took out the mortgage? I gave some advice. Things are going very well, and he has repaid all of his card loans at low interest rates. It is very important to take good care of your transactions with banks. Please use this as a reference for those who are having trouble with card loans. Be honest, don't lie, tell the truth. They will examine it properly.
A friend of mine was in financial trouble and had a house that had been paid off, so he borrowed money using that as collateral.
I advised him on this, but he said he was having a hard time paying high interest rates on card loans.
So I thought, why don't I talk to the bank where I took out the mortgage? I gave some advice.
Things are going very well, and he has repaid all of his card loans at low interest rates.
It is very important to take good care of your transactions with banks.
Please use this as a reference for those who are having trouble with card loans. Be honest, don't lie, tell the truth. They will examine it properly.
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