Do you want to get a Argentinian credit card Either through the Internet or through the bank? Keep reading this article and we will teach you what you should do? So you can get one without any problem.
Various credit cards you can obtain in Argentina
Argentina credit card: what is it for?
All the Argentinian credit cards Today they are an essential part of the lives of most people who need to buy, without having to maintain a balance in their bank accounts, since this type of card allows you to use them to make physical or online purchases, without having to pay in cash or with the money you have in an account, plus you can pay these expenses in installments and in the future.
Many people still have doubts about applying for the best credit card in Argentina, For example. Therefore, according to the Argentina credit card law, the requirements that almost all companies and banks demand to be able to obtain plastic and the benefits that the plans of each card offer you, such as being able to buy by installments. Next, we will show you what are the requirements to acquire this type of card?
Main requirements to obtain an Argentina credit card
- You must be of legal age, that is, be over 18 years of age.
- It is essential to have a personal identification document such as ID or passport.
- Enter the income certification or a receipt indicating your salary if you work for a company as an employee, receipts as self-employed monotributo or other income accreditation that you have to certify that you can pay what you buy.
- Being Argentine by birth or having obtained the acquired nationality.
- You must have an excellent credit history, that is, you must not be in default with another body and if you were, demonstrate that you regularized the situation.
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How to get it out for the first time?
To obtain a credit card from a company or bank in Argentina, it is an essential requirement that you comply with the precautions that we show you in the previous point. However, you do have a few options to help you get this card for the first time and learn how to use it normally.
If you are a minor, you can get your first credit card through an additional card from your parents, from a close relative or a friend who allows you to do so and so you can have a card with your identification, however, you must be aware to pay your expenses on time, since if you do not meet the deadline, they will charge the main card holder, be it your parents, relatives or friend. The other thing you can do is request a prepaid card online, because you will be able to access financial companies obtaining benefits from virtual cards.
How to get a credit card in Argentina?
In Argentina it is quite easy to obtain a credit card, whether it is if you take it out for the first time or if it is for renewal. To do this, you only have to enter the companies or banks where you can have the requirements, steps and customer service, in addition to other things you need to know. How to obtain a credit card?
Where can you get an Argentina credit card without having a credit history?
A credit history is a record that is kept of all the financial activity that you have such as credits, loans, hiring a service, etc., therefore, any company has access to your financial activities, so you must comply with all your obligations that you have acquired financially. In Argentina, if you do not have a credit history, you generally have these two options to acquire a credit card:
- Digital bank cards: These companies do not have physical branches but they give you access to a card so you can make your purchases with more limits than others, so you should keep in mind that many commercial establishments do not receive this type of plastic since they are not banked.
- Prepaid credit cards: They can be granted from 14 years of age and it is the financial companies that provide this service, they are quite limited and it is not very well received in some businesses because they are not bank-accounted for.
What is the best Argentine credit card?
To determine what is the best credit card to be used by you? Depend on the needs you have to consume. Credit cards such as VISA, MasterCard, American Express, among others, have the greatest advantage is that they can be requested through a bank, so you can have access to various credits, increase your credit limits and buy at any store the country and even outside of it.
National credit cards such as the Orange card, Cordobesa de Bancor, etc. They have strong advantages in terms of fees and payment plans, since they have agreements with international cards so that you can make purchases abroad. In the case of virtual online financial cards or from physical companies, they can also be easily requested, but they are also limited as prepaid ones.
Can retirees get a card like this?
The answer is Yes. Retirees can obtain one or more special credit cards for retirees, both ANSES and many other banks offer this possibility. Here are the common requirements of the companies that offer this service:
- Possess an Argentine DNI and present it at the time of your request.
- Submit the salary receipts with which you were retired, because this shows that you have monetary income and you will be able to pay your expenses.
- Some of the banks or companies that finance credit cards require an age limit that is usually 76 years of age.
The credit cards for retirees that are most requested and granted are those that ANSES delivers, Banco Nación also grants cards for retirees, Banco Provincia and Banco Supervielle, also grant VISA cards for retirees without any problem, among other entities . If you liked this article and found it interesting, I invite you to visit the following How check visa card balance granted in any bank in Argentina?