9.1 Cenário de Ramificação – Decisão de Método de Pagamento

Payment Options – Recognize cash, debit, credit, mobile pay, checks, and gift cards, and know the basic purpose of each.
Debit vs. Credit – Understand that debit uses your own money while credit is borrowed and may add interesse.
Costs & Safety – Spot fees, interest, and security steps so you can avoid extra charges and protect your information.
Smart Matching – Learn to match the payment method to the purchase, use banking apps to track spending, and choose tools that fit your habits.

Different Methods, Different Uses – Pick cash for small buys, credit for big protected purchases, mobile pay for speed, and checks or gift cards when they fit the situation.
Credit Is a Loan – Credit cards offer rewards and buyer protection but charge interesse if you don’t pay in full; debit e dinheiro keep you from overspending.
Watch Fees & Protect Data – Look out for ATM fees, overdrafts, and online fraud; use strong passwords, secure sites, and app alerts to stay safe.
Use Digital Tools – Banking apps and alerts help track limits, avoid fees, and stick to your plan, turning everyday payments into smart money management.

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