{"id":13793,"date":"2022-07-20T15:43:53","date_gmt":"2022-07-20T19:43:53","guid":{"rendered":"https:\/\/www.bscu.org\/?p=13793"},"modified":"2022-07-22T11:20:24","modified_gmt":"2022-07-22T15:20:24","slug":"when-to-use-credit","status":"publish","type":"post","link":"https:\/\/www.bscu.org\/es\/when-to-use-credit\/","title":{"rendered":"Aprenda cu\u00e1ndo y d\u00f3nde utilizar el cr\u00e9dito"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><section data-parent=\"true\" class=\"vc_section row-container with-parallax\" id=\"section-unique-0\"><div class=\"row-background background-element\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"background-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"background-inner\" style=\"background-image: url(https:\/\/www.bscu.org\/wp-content\/uploads\/2022\/07\/Shutterstock_566043073.png);background-repeat: no-repeat;background-position: center top;background-size: cover;\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"block-bg-overlay style-color-prif-bg\" style=\"opacity: 0.6;\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div><div class=\"row no-top-padding no-bottom-padding no-h-padding full-width row-parent\"><div data-parent=\"true\" class=\"vc_row row-container\" id=\"row-unique-0\"><div class=\"row unequal limit-width row-parent\" data-height-ratio=\"40\" data-minheight=\"300\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-middle pos-center align_center align_center_mobile column_parent col-lg-12 no-internal-gutter\"><div class=\"uncol style-light\"  ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><div id=\"ultimate-heading-548269daabd023799\" class=\"uvc-heading ult-adjust-bottom-margin ultimate-heading-548269daabd023799 uvc-5263\" data-hspacer=\"no_spacer\"  data-halign=\"center\" style=\"text-align:center\"><div class=\"uvc-heading-spacer no_spacer\" style=\"top\"><\/div><div class=\"uvc-main-heading ult-responsive\"  data-ultimate-target='.uvc-heading.ultimate-heading-548269daabd023799 h1'  data-responsive-json-new='{\"font-size\":\"desktop:30px;\",\"line-height\":\"\"}' ><h1 style=\"font-weight:normal;color:#ffffff;\">Aprenda cu\u00e1ndo y d\u00f3nde utilizar el cr\u00e9dito<\/h1><\/div><\/div><div class=\"ult-spacer spacer-69daabd0237d9\" data-id=\"69daabd0237d9\" data-height=\"10\" data-height-mobile=\"10\" data-height-tab=\"10\" data-height-tab-portrait=\"\" data-height-mobile-landscape=\"\" style=\"clear:both;display:block;\"><\/div><\/div><\/div><\/div><\/div><\/div><script id=\"script-row-unique-0\" data-row=\"script-row-unique-0\" type=\"text\/javascript\" class=\"vc_controls\">UNCODE.initRow(document.getElementById(\"row-unique-0\"));<\/script><\/div><\/div><\/div><script id=\"script-section-unique-0\" data-section=\"script-section-unique-0\" type=\"text\/javascript\">UNCODE.initSection(document.getElementById(\"section-unique-0\"));<\/script><\/div><\/section><div data-parent=\"true\" class=\"vc_row style-color-lxmt-bg vc_custom_1585333985663 row-container\" style=\"padding-top: 20px ;padding-bottom: 20px ;\" id=\"row-unique-1\"><div class=\"row col-half-gutter limit-width row-parent\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_parent col-lg-12 single-internal-gutter\"><div class=\"uncol style-light\"  ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><div class=\"aio-icon-component    style_1\"><div id=\"Info-box-wrap-7690\" class=\"aio-icon-box default-icon\" style=\"\"  ><div class=\"aio-icon-description ult-responsive\"  data-ultimate-target='#Info-box-wrap-7690 .aio-icon-description'  data-responsive-json-new='{\"font-size\":\"\",\"line-height\":\"\"}'  style=\"color:#000000;\">El mundo financiero puede ser dif\u00edcil de desenvolverse sin un conocimiento previo de las numerosas ayudas disponibles para los consumidores. Por esta raz\u00f3n, muchos banqueros j\u00f3venes evitan el cr\u00e9dito, pero generar y usar cr\u00e9dito no es algo que deba evitarse. Para asegurar una relaci\u00f3n sana con el cr\u00e9dito, basta con comprender qu\u00e9 es y cu\u00e1ndo es mejor usarlo en lugar de d\u00e9bito o efectivo.<\/div> <!-- description --><\/div> <!-- aio-icon-box --><\/div> <!-- aio-icon-component --><div class=\"aio-icon-component    style_1\"><div id=\"Info-box-wrap-3901\" class=\"aio-icon-box default-icon\" style=\"\"  ><div class=\"aio-icon-description ult-responsive\"  data-ultimate-target='#Info-box-wrap-3901 .aio-icon-description'  data-responsive-json-new='{\"font-size\":\"\",\"line-height\":\"\"}'  style=\"color:#000000;\">En pocas palabras, las tarjetas de cr\u00e9dito ofrecen un peque\u00f1o pr\u00e9stamo al titular para los gastos que considere oportunos. Todos los pr\u00e9stamos tienen intereses, incluidas las tarjetas de cr\u00e9dito. Esto puede hacer que este producto sea menos atractivo para quienes intentan evitar endeudarse con intereses altos.<\/div> <!-- description --><\/div> <!-- aio-icon-box --><\/div> <!-- aio-icon-component --><div class=\"aio-icon-component    style_1\"><div id=\"Info-box-wrap-8894\" class=\"aio-icon-box default-icon\" style=\"\"  ><div class=\"aio-icon-description ult-responsive\"  data-ultimate-target='#Info-box-wrap-8894 .aio-icon-description'  data-responsive-json-new='{\"font-size\":\"\",\"line-height\":\"\"}'  style=\"color:#000000;\">Las tarjetas de cr\u00e9dito no son algo malo, pero no se las debe usar sin raz\u00f3n alguna para lograr un buen puntaje crediticio.<\/div> <!-- description --><\/div> <!-- aio-icon-box --><\/div> <!-- aio-icon-component --><div class=\"aio-icon-component    style_1\"><div id=\"Info-box-wrap-9367\" class=\"aio-icon-box default-icon\" style=\"\"  ><div class=\"aio-icon-default\"><div class=\"ult-just-icon-wrapper\"><div class=\"align-icon\" style=\"text-align:center;\">\n<div class=\"aio-icon none\"  style=\"color:#00475f;font-size:32px;display:inline-block;\">\n\t<i class=\"Defaults-credit-card\"><\/i>\n<\/div><\/div><\/div><\/div><div class=\"aio-icon-header\" ><h3 class=\"aio-icon-title ult-responsive\"  data-ultimate-target='#Info-box-wrap-9367 .aio-icon-title'  data-responsive-json-new='{\"font-size\":\"\",\"line-height\":\"\"}'  style=\"font-weight:bold;color:#000000;\">\u00bfPor qu\u00e9 deber\u00eda utilizar cr\u00e9dito?<\/h3><\/div> <!-- header --><div class=\"aio-icon-description ult-responsive\"  data-ultimate-target='#Info-box-wrap-9367 .aio-icon-description'  data-responsive-json-new='{\"font-size\":\"\",\"line-height\":\"\"}'  style=\"color:#000000;\"><\/p>\n<ul>\n<li>Al realizar transacciones que retienen el dinero de la tarjeta, como alquilar una habitaci\u00f3n de hotel o un coche.<\/li>\n<\/ul>\n<p>El uso de cr\u00e9dito en esta situaci\u00f3n le permite tener una forma de pago del alquiler sin el riesgo de recibir un cargo por fondos insuficientes.<\/div> <!-- description --><\/div> <!-- aio-icon-box --><\/div> <!-- aio-icon-component --><div class=\"aio-icon-component    style_1\"><div id=\"Info-box-wrap-8445\" class=\"aio-icon-box default-icon\" style=\"\"  ><div class=\"aio-icon-description ult-responsive\"  data-ultimate-target='#Info-box-wrap-8445 .aio-icon-description'  data-responsive-json-new='{\"font-size\":\"\",\"line-height\":\"\"}'  style=\"color:#000000;\"><\/p>\n<ul>\n<li>Para hacer uso de las recompensas que ofrece la instituci\u00f3n, como devoluci\u00f3n de dinero o beneficios en compras como gasolina.<\/li>\n<\/ul>\n<p>Los miembros con este tipo de recompensas se beneficiar\u00e1n de estas funciones, por lo que les conviene usar su tarjeta de cr\u00e9dito. Las tarjetas de cr\u00e9dito BrightStar incluyen los beneficios adicionales de NortonLifeLock.<sup>Marca registrada<\/sup> Protecci\u00f3n contra robo de identidad, beneficios de viaje, seguro de accidentes, alquiler de autos y seguro de equipaje sin costo adicional.<\/div> <!-- description --><\/div> <!-- aio-icon-box --><\/div> <!-- aio-icon-component --><div class=\"aio-icon-component    style_1\"><div id=\"Info-box-wrap-4225\" class=\"aio-icon-box default-icon\" style=\"\"  ><div class=\"aio-icon-default\"><div class=\"ult-just-icon-wrapper\"><div class=\"align-icon\" style=\"text-align:center;\">\n<div class=\"aio-icon none\"  style=\"color:#00475f;font-size:32px;display:inline-block;\">\n\t<i class=\"Defaults-dollar usd\"><\/i>\n<\/div><\/div><\/div><\/div><div class=\"aio-icon-header\" ><h3 class=\"aio-icon-title ult-responsive\"  data-ultimate-target='#Info-box-wrap-4225 .aio-icon-title'  data-responsive-json-new='{\"font-size\":\"\",\"line-height\":\"\"}'  style=\"font-weight:bold;color:#000000;\">\u00bfPor qu\u00e9 deber\u00eda utilizar d\u00e9bito?<\/h3><\/div> <!-- header --><div class=\"aio-icon-description ult-responsive\"  data-ultimate-target='#Info-box-wrap-4225 .aio-icon-description'  data-responsive-json-new='{\"font-size\":\"\",\"line-height\":\"\"}'  style=\"color:#000000;\"><\/p>\n<ul>\n<li>Para evitar deudas o mantenerse dentro de un presupuesto.<\/li>\n<\/ul>\n<p>Es importante estar consciente de cu\u00e1nto dinero tiene disponible para evitar recibir un cargo por sobregiro de la instituci\u00f3n y posiblemente incluso del proveedor, pero mantener un presupuesto con una tarjeta de d\u00e9bito es mucho m\u00e1s f\u00e1cil y no permite el impulso de gastar.<\/div> <!-- description --><\/div> <!-- aio-icon-box --><\/div> <!-- aio-icon-component --><div class=\"aio-icon-component    style_1\"><div id=\"Info-box-wrap-9181\" class=\"aio-icon-box default-icon\" style=\"\"  ><div class=\"aio-icon-description ult-responsive\"  data-ultimate-target='#Info-box-wrap-9181 .aio-icon-description'  data-responsive-json-new='{\"font-size\":\"\",\"line-height\":\"\"}'  style=\"color:#000000;\"><\/p>\n<ul>\n<li>Al comprar en una peque\u00f1a empresa.<\/li>\n<\/ul>\n<p>Es probable que las peque\u00f1as empresas deban pagar para procesar las transacciones realizadas con tarjeta de cr\u00e9dito, a menudo esa es la raz\u00f3n por la cual hay un monto m\u00ednimo establecido para quienes compran con cr\u00e9dito, por lo que usar una tarjeta de d\u00e9bito terminar\u00e1 haciendo las transacciones m\u00e1s f\u00e1ciles para ambas partes.<\/div> <!-- description --><\/div> <!-- aio-icon-box --><\/div> <!-- aio-icon-component --><div class=\"aio-icon-component    style_1\"><div id=\"Info-box-wrap-5883\" class=\"aio-icon-box default-icon\" style=\"\"  ><div class=\"aio-icon-description ult-responsive\"  data-ultimate-target='#Info-box-wrap-5883 .aio-icon-description'  data-responsive-json-new='{\"font-size\":\"\",\"line-height\":\"\"}'  style=\"color:#000000;\">Al final, es tu decisi\u00f3n usar cr\u00e9dito o d\u00e9bito en cada situaci\u00f3n. Una buena regla general es tener a mano tanto una tarjeta de d\u00e9bito como una de cr\u00e9dito para estar preparado ante cualquier decisi\u00f3n financiera que pueda surgir a lo largo del d\u00eda.<\/div> <!-- description --><\/div> <!-- aio-icon-box --><\/div> <!-- aio-icon-component -->\n\t<div class=\"wpb_raw_code wpb_raw_html\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<img decoding=\"async\" height=\"1\" width=\"1\" style=\"border-style:none;\" alt=\"\" src=\"https:\/\/insight.adsrvr.org\/track\/pxl\/?adv=7n8kyh2&ct=0:vjlg8p0&fmt=3\"\/>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><\/div><script id=\"script-row-unique-1\" data-row=\"script-row-unique-1\" type=\"text\/javascript\" class=\"vc_controls\">UNCODE.initRow(document.getElementById(\"row-unique-1\"));<\/script><\/div><\/div><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"Mientras vivimos una pandemia mundial, \u00bfc\u00f3mo puedes ahorrar m\u00e1s dinero? Pon tus finanzas en orden y aprovecha cada d\u00f3lar con estos consejos para ahorrar dinero."},"author":8,"featured_media":13794,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2866,34],"tags":[],"class_list":["post-13793","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-advice","category-credit-cards"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.4 (Yoast SEO v26.4) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Learn When and Where to Use Credit - BrightStar Credit Union<\/title>\n<meta name=\"description\" content=\"All it takes to secure a healthy relationship with credit is an understanding of what it is and when it&#039;s best to use it. 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