{"id":31864,"date":"2024-02-07T16:01:14","date_gmt":"2024-02-07T19:01:14","guid":{"rendered":"https:\/\/alprestamo.com\/blog\/?p=31864"},"modified":"2024-04-23T12:40:37","modified_gmt":"2024-04-23T15:40:37","slug":"que-tener-en-cuenta-para-sacar-una-tarjeta-de-credito","status":"publish","type":"post","link":"https:\/\/alprestamo.com\/blog\/que-tener-en-cuenta-para-sacar-una-tarjeta-de-credito\/","title":{"rendered":"Qu\u00e9 tener en cuenta para sacar una tarjeta de cr\u00e9dito"},"content":{"rendered":"\n<p>Una<strong> tarjeta de cr\u00e9dito es un instrumento financiero de los m\u00e1s populares <\/strong>que existen en todo el mundo por lo que millones de personas tienen acceso a una. Sin embargo, a la hora de solicitar una, mucha gente no lo piensa dos veces y la acepta.&nbsp;<\/p>\n\n\n\n<p>A su vez, la<strong><a rel=\"noreferrer noopener\" href=\"https:\/\/alprestamo.uy\/tarjetas?utm_source=institucional&amp;utm_medium=header&amp;utm_source_sub=institucional-header\" target=\"_blank\"> solicitud de la tarjeta<\/a><\/strong> puede basarse en la necesidad de pagar cuentas y llegar a fin de mes, aunque a largo plazo puede traer m\u00e1s problemas si no se aprende a pagar en tiempo y forma.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Requisitos para obtener una tarjeta de cr\u00e9dito<\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>Antes de obtener una tarjeta, el usuario tiene que dar una serie de datos personales al banco o entidad financiera para que determinen si es apto para recibirla.&nbsp;<\/p>\n\n\n\n<p>En <strong>Uruguay<\/strong>, para<strong> acceder a una tarjeta de cr\u00e9dito <\/strong>es necesario ser mayor de 18 a\u00f1os, presentar documento de identidad, constancia de domicilio y los ingresos que percibe, mediante un <a href=\"https:\/\/alprestamo.com\/blog\/uy\/prestamos-uy\/prestamos-sin-recibo-de-sueldo-en-uruguay\/\" target=\"_blank\" rel=\"noreferrer noopener\">recibo de sueldo<\/a> o certificaci\u00f3n.&nbsp;<\/p>\n\n\n\n<p>El monto de los ingresos requeridos depender\u00e1 de cada entidad financiera o banco. <\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><a href=\"http:\/\/app.alprestamo.uy?utm_source=blog&amp;utm_medium=nota&amp;utm_campaign=banneruy5\" target=\"_blank\" rel=\"noreferrer noopener\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/alprestamo.com\/blog\/wp-content\/uploads\/2024\/02\/Banner-Blog_1200x381-17-1-1024x325.webp\" alt=\"\" class=\"wp-image-36782\" width=\"1201\" height=\"381\"\/><\/a><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Aspectos a tener en cuenta para sacar una tarjeta<\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>Algunos aspectos del contrato de una <a href=\"https:\/\/alprestamo.com\/blog\/categoria\/uy\/tarjetas-credito-uy\/\" target=\"_blank\" rel=\"noreferrer noopener\">tarjeta de cr\u00e9dito<\/a> suelen ser pasados por alto, pero son igual de importantes que el resto de los detalles. Estos son: <strong>cargos<\/strong>, <strong>ciclos de facturaci\u00f3n<\/strong>, <strong>vencimientos <\/strong>y <strong>comisiones<\/strong>.&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-uagb-advanced-heading uagb-block-c9baab16\"><h3 class=\"uagb-heading-text\"><strong>Costo de renovaci\u00f3n&nbsp;<\/strong><\/h3><\/div>\n\n\n\n<p><\/p>\n\n\n\n<p>Otro de los detalles que no se tienen en cuenta es que luego del a\u00f1o de uso, las tarjetas de cr\u00e9dito tienen un <strong>costo de renovaci\u00f3n<\/strong>. Tambi\u00e9n la comisi\u00f3n entra en juego si el cliente opta por tener en modalidad f\u00edsica el estado de cuenta, aunque este se puede recibir por mail y evitar este costo.&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-uagb-advanced-heading uagb-block-c1dfbba8\"><h3 class=\"uagb-heading-text\"><strong>Comisiones<\/strong><\/h3><\/div>\n\n\n\n<p><\/p>\n\n\n\n<p>En el caso de las comisiones, estas se encuentran vinculadas con los servicios que prestan las entidades, como la emisi\u00f3n original o la reimpresi\u00f3n por robo, p\u00e9rdida o mal estado, renovaci\u00f3n y procesamiento de la cuenta.<\/p>\n\n\n\n<p>Si la persona hace gastos en el exterior, la tarjeta tambi\u00e9n genera gastos administrativos y comisiones asociadas a las operaciones de <strong>retiro de efectivo<\/strong>.&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-uagb-advanced-heading uagb-block-4242bf3e\"><h3 class=\"uagb-heading-text\"><strong>Cargos&nbsp;<\/strong><\/h3><\/div>\n\n\n\n<p><\/p>\n\n\n\n<p>Adem\u00e1s de las comisiones y costos, las tarjetas de cr\u00e9dito tienen diferentes cargos. Estos son servicios que prestan terceros y que el banco emisor de la tarjeta le traslada a cada cuenta de forma indirecta. A pesar de esto, cada persona tiene el derecho de exigir que esto sea detallado para conocer los montos exactos, ya que las entidades bancarias no deber\u00edan cobrar cargos que no fueron autorizados previamente por el cliente.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Una tarjeta de cr\u00e9dito es un instrumento financiero de los m\u00e1s populares que existen en todo el mundo por lo que millones de personas tienen acceso a una. Sin embargo, a la hora de solicitar una, mucha gente no lo piensa dos veces y la acepta.&nbsp; A su vez, la solicitud de la tarjeta puede &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/alprestamo.com\/blog\/que-tener-en-cuenta-para-sacar-una-tarjeta-de-credito\/\"> <span class=\"screen-reader-text\">Qu\u00e9 tener en cuenta para sacar una tarjeta de cr\u00e9dito<\/span> Leer m\u00e1s &raquo;<\/a><\/p>\n","protected":false},"author":9,"featured_media":31870,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","footnotes":""},"categories":[128,94],"tags":[],"class_list":["post-31864","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tarjetas-credito-uy","category-uy"],"acf":[],"yoast_head":"<!-- This site is optimized with the 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