{"id":36939,"date":"2024-05-18T08:00:00","date_gmt":"2024-05-18T11:00:00","guid":{"rendered":"https:\/\/alprestamo.com\/blog\/?p=36939"},"modified":"2025-08-28T16:42:59","modified_gmt":"2025-08-28T19:42:59","slug":"nueva-tarjeta-de-credito-para-personas-sin-historial-crediticio-como-acceder","status":"publish","type":"post","link":"https:\/\/alprestamo.com\/blog\/nueva-tarjeta-de-credito-para-personas-sin-historial-crediticio-como-acceder\/","title":{"rendered":"Nueva tarjeta de cr\u00e9dito para personas sin historial crediticio: c\u00f3mo acceder"},"content":{"rendered":"\n<p>Debido a la alta informalidad y vulnerabilidad econ\u00f3mica que hay en el pa\u00eds, muchas personas no tienen un<strong> historial crediticio<\/strong> que les permita acceder de forma m\u00e1s r\u00e1pida y sencilla a un producto financiero (<strong>tarjeta de cr\u00e9dito,<\/strong> pr\u00e9stamos, etc).&nbsp;<\/p>\n\n\n\n<p>Aproximadamente el 80% de las personas en Colombia son rechazadas a la hora de<a href=\"https:\/\/alprestamo.com\/co\/tarjetas\" target=\"_blank\" rel=\"noreferrer noopener\"> <strong>solicitar una tarjeta de cr\u00e9dito<\/strong><\/a> por falta de historial crediticio.<\/p>\n\n\n\n<p>Sin embargo, lleg\u00f3 a Colombia una nueva<strong> tarjeta para personas que no cuentan con un historial de cr\u00e9dito <\/strong>y de esta forma comenzar a generar uno.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">C\u00f3mo acceder a una tarjeta sin historial crediticio&nbsp;<\/h2>\n\n\n\n<p><strong>Guama <\/strong>es la nueva plataforma que permite a los colombianos acceder a herramientas financieras sin un historial, hecho que recientemente los llev\u00f3 a lanzar sus tarjetas de cr\u00e9dito f\u00edsicas y virtuales llamadas <strong>Guamacard<\/strong>.&nbsp;<\/p>\n\n\n\n<p>La Guamacard de Visa tiene los siguientes beneficios:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Experiencia 100% virtual mediante su aplicaci\u00f3n m\u00f3vil, en la que se puede acceder a su tarjeta de cr\u00e9dito virtual<\/li>\n\n\n\n<li>Genera historial crediticio para que sus clientes puedan m\u00e1s adelante alcanzar m\u00e1s y mejores productos financieros<\/li>\n\n\n\n<li>Ofrece un plan de aumento progresivo de l\u00ednea de cr\u00e9dito, luego de los tres meses de uso de la tarjeta.<\/li>\n\n\n\n<li>No requiere de certificados ni consultas en centrales&nbsp;<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Requisitos para acceder a la tarjeta de cr\u00e9dito de Guama&nbsp;<\/h2>\n\n\n\n<p>Los requisitos para acceder a la tarjeta de Guama sin puntaje crediticio son:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Tener m\u00e1s de 18 a\u00f1os<\/li>\n\n\n\n<li>Contar con un smartphone y correo activo&nbsp;<\/li>\n\n\n\n<li>Conectar tu cuenta bancaria&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>Puedes solicitar tu tarjeta de cr\u00e9dito Visa sin necesidad de historial crediticio mediante el <a href=\"https:\/\/guamacard.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">siguiente enlace<\/a>.&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Debido a la alta informalidad y vulnerabilidad econ\u00f3mica que hay en el pa\u00eds, muchas personas no tienen un historial crediticio que les permita acceder de forma m\u00e1s r\u00e1pida y sencilla a un producto financiero (tarjeta de cr\u00e9dito, pr\u00e9stamos, etc).&nbsp; Aproximadamente el 80% de las personas en Colombia son rechazadas a la hora de solicitar una &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/alprestamo.com\/blog\/nueva-tarjeta-de-credito-para-personas-sin-historial-crediticio-como-acceder\/\"> <span class=\"screen-reader-text\">Nueva tarjeta de cr\u00e9dito para personas sin historial crediticio: c\u00f3mo acceder<\/span> Leer m\u00e1s &raquo;<\/a><\/p>\n","protected":false},"author":9,"featured_media":36944,"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":[98,197,108],"tags":[],"class_list":["post-36939","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-co","category-portada-co","category-tarjetas-credito-co"],"acf":[],"yoast_head":"<!-- This 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