If you are reading this article you are probably wondering how feasible it is for you to obtain a credit card if you have no credit history or even if you have overdue credit in Buró de Crédito.
It is important that you also consider that these cards are a good alternative to start your credit history or rebuild it, but that after a period of 12 months maximum, it will be convenient to evaluate other alternatives with better conditions.
Some repair companies, upon terminating the person’s debt, allow you to obtain new financing, negotiating credits with customers that, if used correctly, can make your records in Buró positive.
If you have already paid off your overdue debts but because of the negative marks in Buró de Crédito you have not been able to become a credit subject again, secured cards may be a good alternative to rebuild your credit history. Once the negative marks in Buró are removed, you will be able to apply for an unsecured bank card because you will have built a new reputation.
buró de crédito méxico
Los clientes pueden utilizar esta tarjeta sin número para realizar compras en tiendas físicas. Para ello, deben introducir su PIN en el terminal del punto de venta. De este modo, no revelarán los datos sensibles de la tarjeta. Al comprar por Internet, los clientes pueden aprovechar la versión digital de sus tarjetas utilizando la aplicación Super Wallet. Como el código de seguridad (CVV) en este caso es dinámico, el sitio web donde se realiza la compra no almacena esta información sensible.
Si el cliente quiere acceder a los datos de su tarjeta, puede hacerlo a través de la app Super Wallet, introduciendo sus credenciales bancarias digitales y su contraseña, seleccionando la tarjeta y utilizando el lector para escanear el código QR de la tarjeta física. Este código QR tiene la información encriptada, para que sólo el usuario pueda acceder a ella.
Somos el primer banco en México en ofrecer este tipo de tarjeta. Su lanzamiento marca nuestra posición a la vanguardia en materia de seguridad y como productores de soluciones reales a los retos del entorno digital.
Lamentablemente, no podemos ofrecerte este contenido en el idioma seleccionado. Si lo prefieres, puedes seguir consultando esta información en el idioma disponible, o por el contrario, ir a la página de inicio.
free credit bureau
The reality is that this is not the case, since it is a Credit Information Society very similar to Círculo de Crédito, both are companies that receive data from the institutions that grant loans. That information is transformed into credit histories, a way of knowing the risk of lending money to a client.
It is the compilation of all the activity and behavior you have had with your loans, and the entities that offer financing use the credit history records of individuals and companies to generate a rating that helps them with their evaluation, along with other factors, to decide whether or not to lend money.
If you have decided to check your credit history report and you have already received the document, you are probably wondering «how to read a credit bureau report». Pay attention, because the information is structured as follows:
burodecredito.com.mx special report
Buró de Crédito is a private non-governmental company, its operations are regulated by the Law for Credit Information Societies that receive, manage and provide information through the payment history of individuals and companies that have had debts, it was created with the purpose of showing such data to those who offer credit, and in this way check the history of compliance in payments of applicants and determine the granting of new credits.
In Mexico, it was created in 1996 as a result of a partnership between the country’s leading banks and TransUnion of the United States, where it had already existed since 1960, in response to the need for information from credit grantors on the credibility and payment capacity of individuals.
For many, appearing in this bureau is something undesirable; what they probably do not know is that with the simple fact of acquiring a debt, every person enters the bureau, thus initiating their payment history and recording their compliance in due time and form (or not), of products such as credit cards, mortgage loans, payments in installments of acquisitions made in the short, medium and long term, acquisition of vehicles, telephones and other goods, by means of financing.