{"id":8252,"date":"2021-04-09T00:12:27","date_gmt":"2021-04-09T07:12:27","guid":{"rendered":"https:\/\/finhabits.com\/diferencias-entre-tarjeta-de-credito-y-debito\/"},"modified":"2023-11-27T18:01:25","modified_gmt":"2023-11-28T02:01:25","slug":"diferencias-entre-tarjeta-de-credito-y-debito","status":"publish","type":"post","link":"https:\/\/www.finhabits.com\/es\/diferencias-entre-tarjeta-de-credito-y-debito\/","title":{"rendered":"Diferencias entre tarjeta de cr\u00e9dito y d\u00e9bito"},"content":{"rendered":"<h2>\u00a1Todo lo que tienes que saber!<\/h2>\n<p>Si est\u00e1s comenzando a independizarte econ\u00f3micamente uno de los primeros pasos para organizar tus <a href=\"https:\/\/www.espanol.finhabits.com\/post\/la-regla-50-30-20-para-finanzas-personales\" target=\"_blank\" rel=\"noopener\">finanzas<\/a> ser\u00e1 aprender a utilizar tarjetas de cr\u00e9dito y d\u00e9bito. El uso complementario de cada una de ellas te permitir\u00e1 sacarle el mayor provecho a tus compras e inversiones. En esta review comentar\u00e9 las principales caracter\u00edsticas de cada una y sus diferencias.<\/p>\n<h4>Pagos y Acreditaciones<\/h4>\n<p>La tarjeta de d\u00e9bito est\u00e1 vinculada de forma directa a una cuenta de dep\u00f3sito o caja de ahorros. Por lo tanto, en el momento de hacer tus compras, el pago se acredita al fondo del titular. Por ello decimos que la tarjeta de d\u00e9bito es un medio de pago en s\u00ed mismo, muy similar al pago en efectivo.<\/p>\n<p>La <a href=\"https:\/\/www.espanol.finhabits.com\/post\/beneficios-de-usar-correctamente-tu-tarjeta-de-credito\" target=\"_blank\" rel=\"noopener\">tarjeta de cr\u00e9dito<\/a>, en cambio, te permite utilizar dinero que pides prestado al banco. Uno de los principales beneficios de este tipo de maniobras es que ofrece la posibilidad de pagar en cuotas a la manera de un pr\u00e9stamo.<\/p>\n<p>Seg\u00fan el caso, las cuotas se descuentan de la caja de ahorros a fin de mes o un d\u00eda determinado previamente. Puedes elegir, tambi\u00e9n, pagar un porcentaje de tus compras mensuales o hacerlo por medio de cuotas fijas pre-establecidas.<\/p>\n<h4>Condiciones para adquirir cada tarjeta<\/h4>\n<p>Ser\u00e1 mucho m\u00e1s sencillo acceder a una tarjeta de d\u00e9bito. En general, los requisitos son m\u00ednimos, la identificaci\u00f3n personal y el domicilio de residencia.<\/p>\n<p>En cambio, en el caso de las tarjetas de cr\u00e9dito, el banco solicitar\u00e1 al cliente una certificaci\u00f3n de ingresos. De esta forma, estar\u00e1 m\u00e1s seguro de que el cliente podr\u00e1 pagar las cuotas. Es decir, para obtener una tarjeta de cr\u00e9dito debes garantizar que existe una relaci\u00f3n proporcional entre lo que ganas y lo que debes.<\/p>\n<h4>Principales Beneficios<\/h4>\n<p>La tarjeta de d\u00e9bito no cobra intereses en el uso y el m\u00e1ximo de dinero que puedes utilizar equivale a la cantidad de dinero que tienes depositado en la cuenta. En resumidas cuentas, es neutral.<\/p>\n<p>Mientras que la tarjeta de cr\u00e9dito cobra intereses, este porcentaje m\u00ednimo se ver\u00e1 reflejado en el saldo a fin de mes. Sin embargo, el uso de tarjeta de cr\u00e9dito tambi\u00e9n te ofrece recompensas que puedes obtener acumulando puntos que se ir\u00e1n sumando en cada una de tus compras, descuentos en viajes o en productos, dependiendo el banco.<\/p>\n<p>Tambi\u00e9n, en el caso de la compra, por ejemplo, de electrodom\u00e9sticos o productos electr\u00f3nicos, puedes solicitar un seguro de compra que por un m\u00f3dico precio te protege de accidentes o robos.<\/p>\n<h4>Conclusi\u00f3n<\/h4>\n<p>Las funciones que ofrecen las tarjetas de cr\u00e9dito y d\u00e9bito se complementan, de forma tal que un uso alternado es muy recomendable para quien quiere moverse con soltura y aprovechando la mayor cantidad de beneficios posibles. Esperamos que este tutorial haya sido \u00fatil para ti, en Finhabits te ayudamos brind\u00e1ndote informaci\u00f3n actualizada y accesible sobre distintos aspectos del mundo de las finanzas.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00a1Todo lo que tienes que saber! Si est\u00e1s comenzando a independizarte econ\u00f3micamente uno de los primeros pasos para organizar tus finanzas ser\u00e1 aprender a utilizar tarjetas de cr\u00e9dito y d\u00e9bito. El uso complementario de cada una de ellas te permitir\u00e1 sacarle el mayor provecho a tus compras e inversiones. En esta review comentar\u00e9 las principales [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":8249,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[45],"tags":[],"class_list":["post-8252","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aprende-es"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.1 (Yoast SEO v27.1.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Cr\u00e9dito o d\u00e9bito: cu\u00e1l tarjeta te conviene m\u00e1s - Finhabits<\/title>\n<meta name=\"description\" content=\"Cr\u00e9dito o d\u00e9bito: recompensas, protecci\u00f3n contra fraudes y control del gasto. 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Named one of Goldman Sachs\u2019 100 Most Intriguing Entrepreneurs, he is a regular commentator on national television\u2014including Univision and Telemundo\u2014on the financial topics that matter most to middle-income and Latino audiences. He founded Finhabits in 2017 with a mission shaped by personal experience. Growing up between El Paso and Ciudad Ju\u00e1rez, he saw firsthand how hard-working families often lack access to the financial tools they need. After earning a degree in Electrical Engineering and Computer Science from MIT and spending more than 15 years on Wall Street\u2014including at Merrill Lynch\u2014he set out to build a better system. Finhabits became the first bilingual (English and Spanish) SEC-registered digital investment advisor designed to help Latinos invest and save for retirement. Finhabits has helped more than 900,000 people build better financial habits, with over $400 million invested through the platform. Carlos serves as CEO and Founder of Finhabits and sits on the boards of DGI Investment Trust and Verdara. His conviction remains unchanged: if the system is hard to navigate, build a better one. His work focuses on fintech, economic inequality, and Latino wealth-building. He writes about the K-shaped economy and who gets left behind, the untapped potential of Latino communities in wealth creation, how technology can expand access to financial tools, and the structural barriers that prevent families from building generational wealth.","sameAs":["https:\/\/www.finhabits.com\/","https:\/\/www.linkedin.com\/in\/carlosarmandog\/","https:\/\/www.youtube.com\/@CarlosGarciaFinance"],"gender":"male","knowsLanguage":["English","Spanish"],"jobTitle":"CEO & Founder","url":"https:\/\/www.finhabits.com\/es\/author\/carlosfinhabits-com\/"}]}},"_links":{"self":[{"href":"https:\/\/www.finhabits.com\/es\/wp-json\/wp\/v2\/posts\/8252","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.finhabits.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.finhabits.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.finhabits.com\/es\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.finhabits.com\/es\/wp-json\/wp\/v2\/comments?post=8252"}],"version-history":[{"count":0,"href":"https:\/\/www.finhabits.com\/es\/wp-json\/wp\/v2\/posts\/8252\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.finhabits.com\/es\/wp-json\/wp\/v2\/media\/8249"}],"wp:attachment":[{"href":"https:\/\/www.finhabits.com\/es\/wp-json\/wp\/v2\/media?parent=8252"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.finhabits.com\/es\/wp-json\/wp\/v2\/categories?post=8252"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.finhabits.com\/es\/wp-json\/wp\/v2\/tags?post=8252"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}