{"id":7660,"date":"2018-01-09T09:00:28","date_gmt":"2018-01-09T17:00:28","guid":{"rendered":"https:\/\/neweradebtsolutions.com\/lo-que-hay-que-saber-antes-de-obtener-la-primera-tarjeta-de-credito\/"},"modified":"2024-05-28T11:27:42","modified_gmt":"2024-05-28T18:27:42","slug":"lo-que-hay-que-saber-antes-de-obtener-la-primera-tarjeta-de-credito","status":"publish","type":"post","link":"https:\/\/neweradebtsolutions.com\/es\/lo-que-hay-que-saber-antes-de-obtener-la-primera-tarjeta-de-credito\/","title":{"rendered":"Lo que hay que saber antes de obtener la primera tarjeta de cr\u00e9dito"},"content":{"rendered":"

 <\/p>\n

Antes de contratar tu primera tarjeta de cr\u00e9dito, deber\u00edas dedicar tiempo a informarte sobre los aspectos b\u00e1sicos. Comprender las condiciones de tu tarjeta de cr\u00e9dito, c\u00f3mo afecta la deuda y el uso del cr\u00e9dito a tu seguridad financiera, y los pros y los contras generales te ayudar\u00e1 a tomar decisiones m\u00e1s sabias a la hora de pasar el pl\u00e1stico.<\/p>\n

 <\/p>\n

Para ayudarte a mantenerte alejado de las deudas<\/a> inmanejables de las tarjetas de cr\u00e9dito<\/a>, aqu\u00ed tienes 8 cosas que debes saber antes de abrir tu primera tarjeta de cr\u00e9dito:<\/p>\n

 <\/p>\n

    \n
  1. Tu tarjeta de cr\u00e9dito es como un pr\u00e9stamo a corto plazo<\/em>.<\/strong> Cuando obtienes tu primera tarjeta de cr\u00e9dito, abundan las tentaciones. De repente, puedes permitirte todos esos lujos que antes parec\u00edan fuera de tu alcance. No caigas en esta trampa. Para evitar gastar por encima de tus posibilidades, piensa en tu tarjeta de cr\u00e9dito como en un pr\u00e9stamo que debes devolver cada mes.<\/li>\n<\/ol>\n

     <\/p>\n

      \n
    1. Utilizaci\u00f3n del cr\u00e9dito<\/em>.<\/strong> Las tarjetas de cr\u00e9dito pueden tener un l\u00edmite, pero eso no significa que debas llegar al m\u00e1ximo de tu saldo<\/a>. Esto se debe a que cuanto m\u00e1s cerca est\u00e9s de tu l\u00edmite, m\u00e1s probable ser\u00e1 que tu puntuaci\u00f3n crediticia disminuya. La utilizaci\u00f3n del cr\u00e9dito, o la relaci\u00f3n entre el saldo y el cr\u00e9dito m\u00e1ximo, compone aproximadamente el 30 por ciento de tu puntuaci\u00f3n crediticia. Para obtener mejores puntuaciones de cr\u00e9dito, la regla general es no utilizar m\u00e1s del 30% del saldo disponible.<\/li>\n<\/ol>\n

       <\/p>\n

        \n
      1. C\u00f3mo afectan las tarjetas de cr\u00e9dito a tu puntuaci\u00f3n crediticia<\/em> global.<\/strong> La utilizaci\u00f3n del cr\u00e9dito determina s\u00f3lo una parte de tu<\/a> puntuaci\u00f3n crediticia. Los otros factores son: historial de pagos (35 por ciento), duraci\u00f3n del historial crediticio (15 por ciento), tipos de cuentas en uso (10 por ciento) y nuevos cr\u00e9ditos (10 por ciento). La mejor forma de construir un buen cr\u00e9dito o de mejorar significativamente tu puntuaci\u00f3n crediticia es simplemente haciendo tus pagos mensuales a tiempo.<\/li>\n<\/ol>\n

         <\/p>\n

          \n

        1. \n C\u00f3mo se calculan los intereses mensuales<\/em>
          \n<\/strong>. Al final de cada ciclo de facturaci\u00f3n, las empresas de tarjetas de cr\u00e9dito a\u00f1adir\u00e1n un cargo por intereses basado en tu saldo medio <\/em>diario, no en el saldo en el momento del vencimiento de la factura, y en tu tipo de inter\u00e9s peri\u00f3dico. El tipo de inter\u00e9s peri\u00f3dico puede calcularse dividiendo la tasa anual equivalente (TAE) en forma decimal por 365 y multiplicando ese n\u00famero por los d\u00edas de ese mes. Para calcular los intereses de un mes determinado, multiplica el tipo de inter\u00e9s peri\u00f3dico por tu saldo medio diario.<\/li>\n<\/ol>\n

           <\/p>\n

            \n
          1. Las tarjetas de cr\u00e9dito tienen un periodo de gracia<\/em>.<\/strong> Puedes evitar los intereses si pagas el saldo completo antes de la fecha de vencimiento. El periodo de gracia de todas las tarjetas de cr\u00e9dito abarca desde el final del ciclo de facturaci\u00f3n hasta la fecha de vencimiento del extracto y debe durar al menos 21 d\u00edas, seg\u00fan la Ley Federal CARD.<\/li>\n<\/ol>\n

             <\/p>\n

              \n
            1. Existenotras posibles comisiones<\/em>.<\/strong> Lee siempre la letra peque\u00f1a antes de contratar una nueva tarjeta de cr\u00e9dito, ya que hay muchas comisiones que las empresas pueden cobrar, como una comisi\u00f3n anual de servicio, una comisi\u00f3n por transferencia de saldo, una comisi\u00f3n por compras en el extranjero, as\u00ed como comisiones por demora en los pagos y por exceso de gastos.<\/li>\n<\/ol>\n

               <\/p>\n

                \n
              1. C\u00f3mo se determina<\/em> el m\u00ednimo mensual.<\/strong> Las empresas de tarjetas de cr\u00e9dito pueden decidir calcular tu pago m\u00ednimo mensual de varias maneras. Tu m\u00ednimo mensual puede calcularse como un porcentaje fijo, normalmente del 1 al 3 por ciento, de tu saldo o como un porcentaje de tu saldo m\u00e1s los intereses y las comisiones. En otros casos, las empresas pueden exigirte que pagues una cuota mensual fija, una media de 30 $, si tu saldo o l\u00edmite es bastante bajo.<\/li>\n<\/ol>\n

                 <\/p>\n

                  \n
                1. Hay pros y contras<\/em>.<\/strong> Utilizadas de forma responsable, las tarjetas de cr\u00e9dito pueden permitirte obtener recompensas en las compras o ayudarte a establecer un buen cr\u00e9dito para acceder a pr\u00e9stamos hipotecarios y de autom\u00f3vil a bajo inter\u00e9s. Las tarjetas de cr\u00e9dito tambi\u00e9n pueden proporcionar acceso instant\u00e1neo a fondos en caso de emergencia. Por otra parte, las tarjetas de cr\u00e9dito pueden convertirse r\u00e1pidamente en una carga si gastas regularmente m\u00e1s de lo que tu presupuesto puede acomodar o acumulas un saldo elevado que hace imposible pagar las cuotas mensuales m\u00ednimas. En circunstancias extremas, los acreedores pueden decidir demandarte<\/a> para reclamarte lo que te deben.<\/li>\n<\/ol>\n

                   <\/p>\n

                  \u00bfNo eras muy h\u00e1bil con el cr\u00e9dito cuando abriste tu primera tarjeta? No pasa nada. Si has acumulado m\u00e1s deudas de tarjetas de cr\u00e9dito no garantizadas de las que puedes soportar, New Era Debt Solutions puede ofrecerte una salida. New Era es una empresa de liquidaci\u00f3n de deudas<\/a> que ayuda a las personas a reducir dr\u00e1sticamente sus obligaciones de deuda para asegurar su independencia financiera. Desde 1999, hemos liquidado m\u00e1s de 200 millones de d\u00f3lares en deudas para nuestros clientes.<\/p>\n

                   <\/p>\n

                  Para ver si la liquidaci\u00f3n de deudas es adecuada para ti, <\/em>
                  \n ponte en contacto con nosotros<\/em>
                  \n<\/a> o rellena el formulario de esta p\u00e1gina para obtener un an\u00e1lisis gratuito de tus deudas.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

                  Antes de contratar tu primera tarjeta de cr\u00e9dito, deber\u00edas dedicar tiempo a informarte sobre los aspectos b\u00e1sicos. Comprender las condiciones de tu tarjeta de cr\u00e9dito, c\u00f3mo afecta la deuda y el uso del cr\u00e9dito a tu seguridad financiera, y los pros y los contras generales te ayudar\u00e1 a tomar decisiones m\u00e1s sabias a la hora de pasar el pl\u00e1stico.<\/p>\n","protected":false},"author":4,"featured_media":6844,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[147],"tags":[153,150,148,154],"class_list":["post-7660","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticias","tag-deuda","tag-deuda-de-tarjetas-de-credito","tag-liquidacion-de-deudas","tag-tarjetas-de-credito"],"acf":[],"yoast_head":"\nLo que hay que saber antes de obtener la primera tarjeta de cr\u00e9dito - New Era<\/title>\n<meta name=\"description\" content=\"Lee qu\u00e9 debes saber antes de obtener tu primera tarjeta de cr\u00e9dito. 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