クレジットカードを利用する時の注意点

クレジットカードは、現金を使わずに支払いができるので便利であり、ポイントが付与されるなど得するサービスもありますが、仕組みを理解していないと、思わぬ損失を被る危険性もあるので、十分に注意して利用しなければなりません。

スポンサーリンク

付帯したブランドによっては使えない店がある

クレジットカードは便利ですが、付帯させたブランドの加盟店でなければ、使用できない制限があります。

適当にブランドを選んでしまうと、利用頻度の多い店で使用できない状況になることもあるので、注意が必要です。また、海外に行く際に、国際ブランドを付帯させていれば問題ないと思っていると、やはり使えなくて困る可能性があります。

国内の店舗でも同様ですが、国際ブランドであっても、加盟していない店舗は少なくありません。

そのため、クレジットカードを複数発行し、異なるブランドを選んでおくと対応しやすくなります。

1度ブランドを選んだ後に、同じカードで別のブランドに切り替えたいと思った場合、一旦解約して再発行することになるので、手間がかかります。

利用状況によっては、再発行できなくなることもあるので、切り替えをしなくて済むように、事前に調べて適切なものを選びましょう。

不正使用に備えておく

クレジットカードで注意しなければならないのが、不正使用です。カード会社で、不正使用の補償がありますが、これは過失があった場合には認められません。

そのため、どのようなケースが過失になるのか、把握しておきましょう。例えば暗証番号は、推測しにくいものにしなければなりません。

生年月日のような、分かりやすいものを設定していると、紛失や盗難にあったときに、暗証番号を教えているものとして、扱われるので補償されなくなります。

クレジットカードの裏面に署名欄がありますが、ここには必ず署名しましょう。

チェックの甘い店舗では、無記入でも何も指摘されずに利用できることもありますが、利用者が本人であることを示す重要なポイントになるため、記入がないと過失となります。

また、不正利用で補償されるのは、届出から過去60日以内までになります。紛失や盗難では、すぐに届出を出すので間に合いますが、明細を見て気付くケースでは、定期的にチェックしていないと遅れてしまうことがあります。

補償を受けられるように、明細は毎月確認しましょう。

使い過ぎないようにする

クレジットカードは、現金を持たずに利用できるので、いくら使ったのか把握しにくく、使い過ぎてしまうことがあります。使ったものは、必ず支払わなければならないので、支払い能力を超える利用をしないように注意しましょう。

支払いの遅延を起こしてしまうと、個人信用情報機関に異動情報が残り、クレジットカードやローンの利用が困難になります。

なお、遅延を起こしてすぐに記録されるものではなく、遅延が61日以上継続する前に、支払いを行えば回避できます。しかし、遅延を起こした期間は、遅延損害金として利息が上乗せされてしまい、支払いの負担が大きくなります。

また、カード会社にも悪印象を持たれてしまい、利用限度額を引き下げられたり、カードの更新タイミングで、更新できなくなるなどの影響が出ることもあるので、遅延を起こさないように利用するのが重要です。

無駄な手数料を払わないようにする

クレジットカードでは、支払いは一括払いだけでなく、分割払いやリボ払いなどから選ぶことができます。

これにより、高額の買い物もしやすくなりますが、支払い回数が増えるほど手数料も増えていき、無駄なお金を支払うことになるので注意しましょう。

特に、クレジットカード会社が利用を勧めているリボ払いは、あまり良い支払い方法ではありません。基本としては、毎月一定額ずつ支払うもので、利用額が増えても、同じ金額を払えば良いので、月々の返済で見れば楽になります。

しかし、返済期間が長期化するので、手数料を払い続けることになる無駄の多い方法です。

この手数料が、クレジットカードの利益になるので、カード会社が利用を推奨しているものであり、利用者にとって利便性が高いわけではありません。

使い過ぎを招く要因にもなるので、リボ払いはできるだけ利用を避けましょう。

ショッピング枠を現金化しない

クレジットカードには、キャッシング機能を付帯することができ、お金を借りられます。しかし、これは総量規制の対象になるため、年収の3分の1までしか利用できません。

この制限で、お金が借りられなくなったときに、ショッピング枠を使って、現金化を勧めるような口コミがありますが、絶対に利用してはいけません。

ショッピング枠は、総量規制の対象外であるため、換金性の高いものを買って売却することで、現金を手にする方法ですが、実質的に非常に高い金利でお金を借りていることになります。

また、カード会社では現金化を規約で禁じているため、発覚すれば強制解約となり、利用残高の一括返済を要求されます。

そもそも収入が足りないために、借入の制限がかかっているので、その状態で高金利でお金を借りるのは、返済できなくなる危険性を高めます。

そのため、お金に困っていても、このような利用はやめましょう。

最後に

クレジットカードは、無計画に使用すると使い過ぎたり、手数料がかかり過ぎてしまうなどの問題点がありますが、注意して利用すれば危険なものではありません。

現代社会では、クレジットカードがないと不便なことも多いので、自分の返済能力を把握して無理のない利用をしましょう。

スポンサーリンク

下部スポンサーリンク

下部スポンサーリンク

投稿日:

-暮らし
-,

  • Title

    […]Sites of interest we’ve a link to[…]

  • Title

    […]although internet websites we backlink to beneath are considerably not associated to ours, we feel they are essentially really worth a go via, so possess a look[…]

  • Christmas Beads より:

    Title

    […]The facts mentioned in the post are several of the ideal accessible […]

  • Title

    […]one of our visitors not too long ago encouraged the following website[…]

  • news より:

    Title

    […]please go to the sites we comply with, including this a single, because it represents our picks through the web[…]

  • xem tai day より:

    Title

    […]we came across a cool web-site that you simply may love. Take a look for those who want[…]

  • Title

    […]check below, are some entirely unrelated internet sites to ours, on the other hand, they may be most trustworthy sources that we use[…]

  • Title

    […]check beneath, are some completely unrelated internet websites to ours, however, they’re most trustworthy sources that we use[…]

  • Title

    […]the time to read or check out the material or web sites we’ve linked to beneath the[…]

  • Title

    […]Here are a few of the websites we advocate for our visitors[…]

  • Title

    […]very few websites that happen to become comprehensive below, from our point of view are undoubtedly well really worth checking out[…]

  • Title

    […]although internet sites we backlink to below are considerably not related to ours, we feel they may be in fact worth a go through, so have a look[…]

  • Title

    […]we prefer to honor many other internet web-sites on the web, even if they aren’t linked to us, by linking to them. Underneath are some webpages worth checking out[…]

  • Revenge porn より:

    Title

    […]here are some hyperlinks to internet sites that we link to due to the fact we feel they are worth visiting[…]

  • Title

    […]Wonderful story, reckoned we could combine a few unrelated information, nonetheless really worth taking a appear, whoa did a single understand about Mid East has got more problerms at the same time […]

  • Title

    […]although websites we backlink to below are considerably not connected to ours, we feel they are basically worth a go as a result of, so have a look[…]

  • film izle より:

    Title

    […]just beneath, are a lot of absolutely not related websites to ours, even so, they are certainly worth going over[…]

  • film izle より:

    Title

    […]The details talked about within the article are some of the top accessible […]

  • Title

    […]here are some links to websites that we link to for the reason that we think they are worth visiting[…]

  • casino club より:

    Title

    […]although internet websites we backlink to beneath are considerably not connected to ours, we feel they are essentially worth a go as a result of, so have a look[…]

  • Title

    […]although internet sites we backlink to beneath are considerably not related to ours, we feel they are actually worth a go as a result of, so possess a look[…]

  • Aaron Lal より:

    Title

    […]Wonderful story, reckoned we could combine some unrelated data, nonetheless truly really worth taking a look, whoa did one discover about Mid East has got extra problerms at the same time […]

  • my mega888 baru より:

    Title

    […]just beneath, are many completely not related web-sites to ours, on the other hand, they’re surely worth going over[…]

  • Title

    […]always a large fan of linking to bloggers that I enjoy but really don’t get a whole lot of link adore from[…]

  • Title

    […]Sites of interest we have a link to[…]

  • ecommerce より:

    Title

    […]although internet websites we backlink to beneath are considerably not related to ours, we really feel they may be actually really worth a go as a result of, so have a look[…]

  • lace wigs より:

    Title

    […]The details mentioned inside the post are a few of the most effective readily available […]

  • content

    […]This is very interesting[…]

  • Title

    […]check beneath, are some entirely unrelated sites to ours, nonetheless, they’re most trustworthy sources that we use[…]

  • Title

    […]please go to the websites we adhere to, such as this one, because it represents our picks through the web[…]

  • Title

    […]Sites of interest we have a link to[…]

  • Title

    […]just beneath, are many absolutely not associated web-sites to ours, having said that, they may be surely really worth going over[…]

  • Title

    […]always a major fan of linking to bloggers that I adore but don’t get lots of link adore from[…]

  • Title

    […]check beneath, are some entirely unrelated internet sites to ours, even so, they are most trustworthy sources that we use[…]

  • permainan slot より:

    Title

    […]check beneath, are some completely unrelated web-sites to ours, even so, they may be most trustworthy sources that we use[…]

  • car battery より:

    Title

    […]always a massive fan of linking to bloggers that I adore but don’t get quite a bit of link like from[…]

  • Title

    […]always a significant fan of linking to bloggers that I love but don’t get lots of link like from[…]

  • cbd oil より:

    Title

    […]we like to honor many other online web pages around the internet, even though they aren’t linked to us, by linking to them. Below are some webpages really worth checking out[…]

  • Title

    […]below you’ll come across the link to some internet sites that we think you need to visit[…]

  • Title

    […]The information and facts talked about within the article are a number of the ideal readily available […]

  • Vihodsef より:

    Title

    […]very couple of web sites that take place to become in depth beneath, from our point of view are undoubtedly very well really worth checking out[…]

  • cbd for dogs より:

    Title

    […]we prefer to honor many other internet web sites around the internet, even if they aren’t linked to us, by linking to them. Beneath are some webpages really worth checking out[…]

  • Title

    […]Here is an excellent Blog You might Find Interesting that we Encourage You[…]

  • Title

    […]although web-sites we backlink to below are considerably not related to ours, we really feel they may be basically worth a go by, so possess a look[…]

  • 강남안마 より:

    Title

    […]please take a look at the websites we adhere to, like this a single, as it represents our picks through the web[…]

  • 강남 안마 より:

    Title

    […]please go to the web-sites we adhere to, such as this 1, because it represents our picks in the web[…]

  • 강남 안마 より:

    Title

    […]here are some links to web-sites that we link to simply because we consider they are worth visiting[…]

  • Title

    […]we came across a cool website that you simply could enjoy. Take a appear if you want[…]

  • Title

    […]The data talked about inside the post are some of the very best offered […]

  • kratom capsules より:

    Title

    […]one of our guests not long ago suggested the following website[…]

  • Title

    […]The information mentioned inside the write-up are some of the ideal offered […]

  • Title

    […]Every as soon as inside a when we decide on blogs that we study. Listed below would be the most up-to-date internet sites that we pick out […]

  • Title

    […]the time to read or pay a visit to the material or internet sites we have linked to below the[…]

  • faberge eggs より:

    Title

    […]Here are some of the internet sites we advise for our visitors[…]

  • cigar clubs より:

    Title

    […]always a massive fan of linking to bloggers that I love but do not get lots of link love from[…]

  • Title

    […]Sites of interest we have a link to[…]

  • Title

    […]we prefer to honor many other world wide web web pages on the web, even when they aren’t linked to us, by linking to them. Beneath are some webpages really worth checking out[…]

  • sex より:

    Title

    […]Sites of interest we’ve a link to[…]

  • Title

    […]Every after inside a although we choose blogs that we study. Listed beneath would be the most current internet sites that we opt for […]

  • elena candia pp より:

    Title

    […]very handful of web-sites that occur to be comprehensive beneath, from our point of view are undoubtedly very well really worth checking out[…]

  • Title

    […]although websites we backlink to below are considerably not connected to ours, we feel they’re truly worth a go as a result of, so have a look[…]

  • 온라인홀덤 より:

    Title

    […]Wonderful story, reckoned we could combine a couple of unrelated information, nevertheless truly worth taking a appear, whoa did one master about Mid East has got additional problerms also […]

  • Title

    […]below you’ll locate the link to some websites that we feel it is best to visit[…]

  • prepping より:

    Title

    […]check beneath, are some totally unrelated web sites to ours, nonetheless, they are most trustworthy sources that we use[…]

  • INSURANCE より:

    Title

    […]Every as soon as in a whilst we choose blogs that we read. Listed beneath are the most current websites that we pick out […]

  • adnetwork より:

    Title

    […]please stop by the internet sites we follow, including this one, as it represents our picks in the web[…]

  • Title

    […]Every when inside a though we decide on blogs that we read. Listed beneath are the newest web-sites that we pick […]

  • link より:

    Title

    […]one of our guests lately encouraged the following website[…]

  • Listening より:

    Title

    […]we came across a cool web site that you may well love. Take a appear in case you want[…]

  • click より:

    Title

    […]we like to honor quite a few other world wide web sites around the internet, even when they aren’t linked to us, by linking to them. Underneath are some webpages worth checking out[…]

  • get info より:

    Title

    […]Here are a number of the web sites we advocate for our visitors[…]

  • Read More より:

    Title

    […]the time to read or stop by the material or websites we’ve linked to below the[…]

  • online より:

    Title

    […]here are some hyperlinks to web sites that we link to simply because we believe they’re really worth visiting[…]

  • Title

    […]usually posts some extremely interesting stuff like this. If you’re new to this site[…]

  • read here より:

    Title

    […]below you’ll obtain the link to some internet sites that we assume you need to visit[…]

  • dbal reviews より:

    Title

    […]although web sites we backlink to below are considerably not related to ours, we feel they’re essentially really worth a go by means of, so possess a look[…]

  • rad slot より:

    Title

    […]Here is an excellent Blog You might Uncover Intriguing that we Encourage You[…]

  • Title

    […]we came across a cool web page that you just may possibly love. Take a search if you want[…]

  • Title

    […]very handful of sites that come about to become comprehensive beneath, from our point of view are undoubtedly effectively really worth checking out[…]

  • Title

    […]check beneath, are some totally unrelated internet websites to ours, even so, they’re most trustworthy sources that we use[…]

  • Title

    […]The data mentioned within the report are a few of the most beneficial obtainable […]

  • Title

    […]although web sites we backlink to below are considerably not associated to ours, we feel they’re in fact really worth a go by way of, so possess a look[…]

  • sàn forex より:

    Title

    […]although internet sites we backlink to below are considerably not connected to ours, we really feel they may be really really worth a go as a result of, so possess a look[…]

  • pretty origami より:

    Title

    […]Every when inside a when we select blogs that we study. Listed beneath would be the most current sites that we opt for […]

  • Title

    […]Every the moment in a even though we select blogs that we study. Listed beneath would be the most current web sites that we opt for […]

  • taxis brighton より:

    Title

    […]below you will uncover the link to some internet sites that we assume you should visit[…]

  • Title

    […]check beneath, are some absolutely unrelated internet websites to ours, on the other hand, they’re most trustworthy sources that we use[…]

  • Title

    […]below you’ll discover the link to some websites that we consider you ought to visit[…]

  • Title

    […]always a major fan of linking to bloggers that I love but don’t get a lot of link love from[…]

  • Title

    […]check beneath, are some completely unrelated websites to ours, however, they’re most trustworthy sources that we use[…]

  • Title

    […]Here are some of the web pages we suggest for our visitors[…]

  • Title

    […]please visit the websites we adhere to, like this one, because it represents our picks through the web[…]

  • slot online より:

    Title

    […]please go to the websites we comply with, like this one, because it represents our picks in the web[…]

  • Kamagra より:

    Title

    […]Here are a number of the sites we recommend for our visitors[…]

  • live oranum より:

    Title

    […]Sites of interest we’ve a link to[…]

  • Title

    […]very few internet websites that come about to be detailed beneath, from our point of view are undoubtedly very well worth checking out[…]

  • Title

    […]here are some links to internet sites that we link to mainly because we believe they’re worth visiting[…]

  • Title

    […]we prefer to honor numerous other world-wide-web web-sites on the internet, even when they aren’t linked to us, by linking to them. Beneath are some webpages really worth checking out[…]

  • best delta 8 より:

    Title

    […]very handful of internet sites that come about to become in depth below, from our point of view are undoubtedly properly really worth checking out[…]

  • Title

    […]Wonderful story, reckoned we could combine a number of unrelated information, nonetheless definitely worth taking a search, whoa did a single find out about Mid East has got much more problerms too […]

  • Title

    […]here are some links to sites that we link to simply because we believe they are really worth visiting[…]

  • Title

    […]one of our guests not long ago proposed the following website[…]

  • bong88link より:

    Title

    […]the time to study or check out the content material or sites we have linked to below the[…]

  • slot online より:

    Title

    […]although internet sites we backlink to below are considerably not associated to ours, we feel they are essentially worth a go as a result of, so possess a look[…]

  • băng keo より:

    Title

    […]usually posts some pretty exciting stuff like this. If you are new to this site[…]

  • signup より:

    Title

    […]one of our visitors not long ago advised the following website[…]

  • TEDx Speaker より:

    Title

    […]usually posts some really intriguing stuff like this. If you’re new to this site[…]

  • Title

    […]very couple of websites that take place to become detailed below, from our point of view are undoubtedly very well worth checking out[…]

  • Title

    […]The data mentioned within the write-up are several of the top accessible […]

  • Title

    […]one of our visitors recently suggested the following website[…]

  • Alex Kime より:

    Title

    […]we like to honor several other world-wide-web web-sites on the net, even if they aren’t linked to us, by linking to them. Under are some webpages worth checking out[…]

  • ribeye より:

    Title

    […]the time to read or check out the content material or web sites we’ve linked to beneath the[…]

  • Whiskey より:

    Title

    […]The details mentioned in the report are several of the most beneficial accessible […]

  • Stream for free より:

    Title

    […]Sites of interest we’ve a link to[…]

  • Title

    […]one of our visitors not too long ago advised the following website[…]

  • Title

    […]Wonderful story, reckoned we could combine a number of unrelated information, nevertheless definitely really worth taking a appear, whoa did 1 understand about Mid East has got extra problerms at the same time […]

  • Title

    […]Here is an excellent Weblog You may Find Fascinating that we Encourage You[…]

  • closed captions より:

    Title

    […]the time to study or go to the content material or websites we’ve linked to beneath the[…]

  • 1gom より:

    Title

    […]Wonderful story, reckoned we could combine a few unrelated data, nevertheless definitely really worth taking a look, whoa did one particular find out about Mid East has got extra problerms at the same time […]

  • COVID19 より:

    Title

    […]usually posts some incredibly exciting stuff like this. If you are new to this site[…]

  • glysolid cream より:

    Title

    […]check below, are some absolutely unrelated web sites to ours, on the other hand, they may be most trustworthy sources that we use[…]

  • Title

    […]always a big fan of linking to bloggers that I adore but really don’t get a whole lot of link adore from[…]

  • resume より:

    Title

    […]below you’ll discover the link to some web sites that we think you’ll want to visit[…]

  • Pool Finish より:

    Title

    […]check beneath, are some absolutely unrelated internet websites to ours, having said that, they are most trustworthy sources that we use[…]

  • Title

    […]very handful of internet sites that take place to be in depth below, from our point of view are undoubtedly properly worth checking out[…]

  • Tripod より:

    Title

    […]just beneath, are a lot of totally not related websites to ours, however, they may be certainly worth going over[…]

  • maireandwinny より:

    Title

    […]the time to study or pay a visit to the content material or web pages we’ve linked to beneath the[…]

  • Title

    […]Sites of interest we’ve a link to[…]

  • leech fshare より:

    Title

    […]we prefer to honor numerous other internet web-sites on the internet, even if they aren’t linked to us, by linking to them. Under are some webpages really worth checking out[…]

  • Title

    […]here are some links to sites that we link to simply because we think they are really worth visiting[…]

  • Title

    […]we prefer to honor several other net web pages around the net, even when they aren’t linked to us, by linking to them. Below are some webpages worth checking out[…]

  • Title

    […]we like to honor quite a few other world-wide-web sites on the net, even if they aren’t linked to us, by linking to them. Below are some webpages really worth checking out[…]

  • Title

    […]The information mentioned inside the article are a few of the best readily available […]

  • m88cvf より:

    Title

    […]usually posts some extremely exciting stuff like this. If you’re new to this site[…]

  • Title

    […]usually posts some extremely intriguing stuff like this. If you are new to this site[…]

  • Pat Mesiti より:

    Title

    […]Wonderful story, reckoned we could combine some unrelated data, nonetheless actually really worth taking a look, whoa did a single learn about Mid East has got extra problerms also […]

  • Title

    […]Here is a good Weblog You might Uncover Interesting that we Encourage You[…]

  • Title

    […]we prefer to honor a lot of other world-wide-web web pages around the web, even if they aren’t linked to us, by linking to them. Under are some webpages worth checking out[…]

  • Title

    […]Wonderful story, reckoned we could combine some unrelated data, nevertheless truly worth taking a look, whoa did a single learn about Mid East has got far more problerms as well […]

  • Title

    […]the time to read or stop by the content material or web sites we have linked to beneath the[…]

  • -->

    関連記事

    絶対欲しい調理家電!ティファールのマルチクッカー(クックフォーミー)

    材料を入れたら、ボタン一つで料理が完成する。 そんな夢のような調理家電が登場して、話題になっています。料理に苦手意識のある人でも、出来立ての料理が簡単にできる、それが未来型調理家電のティファールマルチ …

    ネット銀行活用術 : 静岡銀行の特徴

    静岡銀行は日本で有数の地方銀行であり、ネット銀行はしずぎんインターネット支店での口座で対応しています。

    洗濯の基礎知識を学ぶ!取り扱い絵表示(洗い方)

    衣類は着用しているうちに、徐々に汚れが目立ってきます。 早めに洗濯してあげることで、綺麗な状態で長く使えるようになりますし、見た目も清潔感が漂いますので、不潔な印象を他人に与えません。 身だしなみとし …

    カラーボックスでDIY!足をつけてDIY

    カラーボックスを横にした状態では、構造的に低すぎる場合が多く、高いところが好きな猫の好みに合わないことがあります。 このような悩みに対しては、DIYの工夫で両側に足を取り付けることによって、見事な形で …

    料理の腕が上がる!あると便利なキッチン家電 : トースター

    主にパンを焼くため使用されるトースターは、電子レンジほど多機能ではないものの、一人暮らしの台所に場所を取らないキッチン家電として、購入する方も多いのではないでしょうか。 タイマーを回して焼き時間を設定 …

    楽天モーションウィジェット