{"id":2940,"date":"2016-01-05T12:18:18","date_gmt":"2016-01-05T11:18:18","guid":{"rendered":"https:\/\/www.bestfinance.ch\/?p=2940"},"modified":"2021-03-15T14:20:23","modified_gmt":"2021-03-15T13:20:23","slug":"cuales-son-las-ventajas-del-credito-y-de-la-tarjeta-de-credito","status":"publish","type":"post","link":"https:\/\/www.bestfinance.ch\/es\/was-sind-die-vorteile-von-kredit-und-kreditkarte\/","title":{"rendered":"\u00bfCu\u00e1les son las ventajas del cr\u00e9dito y de la tarjeta de cr\u00e9dito?"},"content":{"rendered":"<h2 class=\"section-header-small\">Ventajas y desventajas<\/h2>\n<p>Con un pr\u00e9stamo a plazos, usted recibe la cantidad acordada en su cuenta y puede disponer de ella libremente. Antes de conceder el pr\u00e9stamo, se comprueba su solvencia personal y las cuotas mensuales del pr\u00e9stamo y el plazo se adaptan a sus necesidades. Gracias a las cuotas mensuales constantes y calculables con precisi\u00f3n, siempre sabe c\u00f3mo est\u00e1 su presupuesto y sus gastos fijos siguen siendo previsibles. Si tiene dificultades de pago, p\u00f3ngase en contacto con su proveedor inmediatamente para encontrar juntos soluciones posibles y adecuadas.<\/p>\n<p>Con una tarjeta de cr\u00e9dito puedes realizar pagos sin efectivo en much\u00edsimos pa\u00edses, hacer compras en tiendas y comercios online y sacar dinero en miles de cajeros autom\u00e1ticos. Adem\u00e1s, con una tarjeta de cr\u00e9dito tienes un margen de tiempo sin intereses hasta que se cargue en tu cuenta. Las tarifas y comisiones de las tarjetas var\u00edan en el pa\u00eds y en el extranjero, por lo que vale la pena comparar antes de solicitarlas, ya que cada proveedor (por ejemplo, Visa o Mastercard) tiene sus propios productos para un uso adecuado. Adem\u00e1s, algunos comercios cobran una comisi\u00f3n adicional si se quiere pagar con la tarjeta de cr\u00e9dito.<\/p>\n<p>Si el extracto de la tarjeta de cr\u00e9dito no se puede liquidar a tiempo a final de mes, se acumular\u00e1n intereses que suelen ser m\u00e1s altos que los de un pr\u00e9stamo a plazos. Tambi\u00e9n hay que tener en cuenta que el retraso en el cargo en cuenta dificulta la planificaci\u00f3n del propio presupuesto.<\/p>\n<p>Pide consejo sobre los productos financieros a un especialista.<\/p>\n<p>&nbsp;<\/p>\n<p><a class=\"btn btn-success\" href=\"https:\/\/www.bestfinance.ch\/es\/cuotas-reducidas-para-el-prestamo-que-desee\/\"> Solicite su cr\u00e9dito<\/a><\/p>\n<p>&nbsp;<\/p>\n<p>Guardar el art\u00edculo como PDF:\u00a0<a href=\"https:\/\/www.bestfinance.ch\/wp-content\/uploads\/2018\/01\/Was-sind-die-Vorteile-von-Kredit-und-Kreditkarte.pdf\">\u00bfCu\u00e1les son las ventajas del cr\u00e9dito y de la tarjeta de cr\u00e9dito?<\/a><\/p>\n<p>&nbsp;<\/p>","protected":false},"excerpt":{"rendered":"<p>Con un pr\u00e9stamo a plazos, usted recibe la cantidad acordada en su cuenta y puede disponer de ella libremente. Con una tarjeta de cr\u00e9dito puedes hacer pagos sin efectivo en un gran n\u00famero de pa\u00edses, comprar en tiendas y comercios online y sacar dinero en miles de cajeros autom\u00e1ticos.<\/p>","protected":false},"author":2,"featured_media":2942,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"","_seopress_titles_title":"Vorteile von Ratenkrediten und Kreditkarten verstehen","_seopress_titles_desc":"Entdecken Sie, wie Ratenkredite und Kreditkarten Ihr Budget beeinflussen k\u00f6nnen und was bei R\u00fcckzahlungen zu beachten ist.","_seopress_robots_index":"","_eb_attr":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"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":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":null,"stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":null,"astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2940","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-allgemein"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.bestfinance.ch\/es\/wp-json\/wp\/v2\/posts\/2940","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.bestfinance.ch\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.bestfinance.ch\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.bestfinance.ch\/es\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bestfinance.ch\/es\/wp-json\/wp\/v2\/comments?post=2940"}],"version-history":[{"count":0,"href":"https:\/\/www.bestfinance.ch\/es\/wp-json\/wp\/v2\/posts\/2940\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bestfinance.ch\/es\/wp-json\/wp\/v2\/media\/2942"}],"wp:attachment":[{"href":"https:\/\/www.bestfinance.ch\/es\/wp-json\/wp\/v2\/media?parent=2940"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bestfinance.ch\/es\/wp-json\/wp\/v2\/categories?post=2940"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bestfinance.ch\/es\/wp-json\/wp\/v2\/tags?post=2940"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}