Una tarjeta de crédito sin historial crediticio en realidad es la combinación entre un crédito revolvente (crédito que se puede utilizar repetidamente) y un plástico que sirve como medio para accesar a los fondos; es utilizado en los comercios que aceptan este tipo de pago, para comprar bienes o servicios, sin desembolsar dinero en efectivo.
Simplemente basta con mostrar la tarjeta de crédito sin historial crediticio en la caja para deslizarla por una terminal de venta e ingresar tu firma electrónica o firmar un pagaré (también conocido como voucher), por la cantidad de la compra.
Este tipo de créditos revolventes, es decir, que una vez pagado el saldo tu crédito vuelve a estar disponible para ti en su totalidad, te benefician con un monto disponible a corto plazo que necesita ser saldado en la siguiente fecha de corte. En México es de 45 días, mientras que en otros países es de entre 35 y 40 días.
Por ejemplo, si tu fecha de corte es 2 de Junio, también tienes una fecha de pago que para este ejemplo será el 22 del mismo mes. Si realizas un compra el día 5 de Junio tendrás hasta el 22 de Julio para liquidar dicha compra.
El proceso es bastante simple. Inicia cuando tu realizas cualquier tipo de compra, ya sea en un establecimiento físico o en alguna tienda online, y termina le cuando pagas esa compra que hiciste directamente al banco. Debes considerar lo siguiente:
La tarjeta de crédito sin anualidad cuenta con fecha de corte y fecha de pago. La primera sirve para determinar el inicio y fin de un periodo que por lo general son de un mes. Mientras que la segunda delimita el día que tienes que liquidar las compras realizadas. Debes memorizar tu fecha de pago para evitar que te cobren intereses y comisiones innecesarias.
Lea También:
Tarjeta de Crédito Vexi: una opción sin Historial Crediticio Previo
Hablemos sobre la edad adecuada para la primera tarjeta de crédito
Existen 3 métodos de pago. Para saldar tu deuda, puedes realizar tus pagos por internet, mediante la app del banco o directamente en sucursal. Para las primeras dos requieres de un usuario y contraseña, misma que necesitas tramitar en cualquier sucursal del banco de tu preferencia y para la última, solo necesitas tu número de tarjeta para realizar dicho pago.
Conozca la tarjeta de crédito Vexi.
Si por la naturaleza de tus actividades requieres realizar compras constantemente, sin embargo, tus ingresos son una o dos veces al mes, una tarjeta de crédito sin historial crediticio debe contemplar sus necesidades. Es el producto de mayor demanda para los bancos y tiene el objetivo de poder endeudar al tarjeta habiente a corto plazo con montos que puede pagar fácilmente.
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