Konkurs Kreditkarte

Bankkarten nach dem Bankrott – Was ist die Wahrheit?

Ein Insolvenzfall ist eine ernste Angelegenheit, die langfristige Folgen hat. In vielen Fällen wird die Insolvenz des Insolvenzverwalters mindestens zehn Jahre lang auf einer Kreditauskunft geführt. Das Insolvenzgericht bringt vielen Menschen Erleichterung.

Unmittelbar nach Erhalt der Entlassung wird die Aufzeichnung Ihrer Insolvenz der Öffentlichkeit zugänglich gemacht. Insolvenzunternehmen nehmen diese Informationen an und verkaufen sie an viele verschiedene Unternehmen, darunter Finanzinstitute und Kreditkartenunternehmen. Im Gegenzug senden diese Unternehmen Ihnen wöchentlich mindestens ein Jahr lang Kreditkartenangebote.

Der Kauf von Kreditkarten nach der Insolvenz ist relativ einfach. Die meisten Angebote, die in der Mail eingehen, sind jedoch nur Betrug. Wenn Sie die Kreditkartenvereinbarung sorgfältig lesen, werden Sie feststellen, dass es viele Fälle gibt, die schnell zu finanziellen Problemen führen können.

Die meisten Leute haben ein schlechtes Kreditkartengeschäft. Allein die Kreditkartenunternehmen erzielten allein im vergangenen Jahr mehr als 90 Milliarden US-Dollar an Gebühren und Strafen. Die meisten dieser Gebühren werden von Menschen getragen, die sie sich nicht leisten können. Scheidungen sind in der Regel das Ergebnis von Geldproblemen, und die häufigste Ursache für Geldprobleme ist der Gebrauch oder Missbrauch von Kreditkarten.

Selbst wenn Sie einen neuen Schuldenerlass vor Gericht haben, sollten Sie bereits wissen, was Sie jemals verursacht hat. In der Insolvenz haben Sie in den meisten Fällen mit einem Kreditberater zusammengearbeitet. Zunächst raten Ihnen diese Unternehmen, Ihre Kreditkarten zu kürzen.

In einer Insolvenz sollten Sie von einer Bargeldbasis und dem Null-Budget-Verfahren leben. Es ist sehr wichtig, auf Kurs zu bleiben und Fehler nicht mit Kreditkarten zu wiederholen. Wenn nicht, ist es ein direkter Weg zurück zum finanziellen Ruin. Um Plastikgeld zu verwenden, beantragen Sie eine Debit- oder Scheckkarte. Selbst dann werden Sie mehr ausgeben, als wenn Sie Ihr Geld verwenden würden.

Untersuchungen haben gezeigt, dass die Verwendung von Bargeld bedeutet, dass eine Person zwischen 15 und 18 Prozent weniger ausgibt als Plastikgeld, um Lebensmittel zu bezahlen. Bargeld auszugeben verursacht psychische Schmerzen, die die Menschen daran hindern, zu viel auszugeben. Darüber hinaus geben Menschen, die mit Debitkarten einkaufen, etwa 10 bis 12 Prozent weniger aus als diejenigen, die mit Kreditkarten bezahlen. Kreditkarten nach der Insolvenz zu haben, ist ein schneller Weg zu einer zweiten Insolvenz.

Selbst wenn Sie nach der Insolvenz eine Kreditkarte benötigen, sollten Sie nur eine gesicherte Karte in Betracht ziehen. Im Allgemeinen müssen Sie Geld auf ein Konto einzahlen, das Eigenkapital für die Karte bereitstellt. Ihr Kartenlimit ist der Betrag, den Sie auf dem Kapitalkonto hinterlegt haben. Wenn Sie in Zahlungsverzug sind und die monatlichen Zahlungen nicht leisten, wird das Eigenkapital zur Begleichung der Schulden verwendet.

Stolpern Sie nicht in die Falle des Denkens, dass Sie eine Kreditkarte benötigen, um Ihren Kredit nach einer Insolvenz wiederherzustellen. Dieser Trick ist nur ein weiterer Trick von Kreditkartenunternehmen, der Sie dazu bringt, die Kreditkartenvereinbarung zu unterschreiben. Sag einfach nein und bleib bei einer Bargeldbasis. Eine sorgfältige Prüfung der Vereinbarung wird zeigen, dass das Unternehmen seinen Zinssatz ohne Grund auf bis zu 31 Prozent erhöhen kann. Kreditkartenunternehmen haben die Mafia vielerorts als lokalen Kredithai abgelöst. Die Kreditkarten nach der Insolvenz machen einfach keinen Sinn.

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