{"id":360,"date":"2019-03-26T16:10:21","date_gmt":"2019-03-26T16:10:21","guid":{"rendered":"https:\/\/cashtime.com\/how-to-use-a-credit-card-to-build-credit-not-destroy-it\/"},"modified":"2025-09-04T16:53:08","modified_gmt":"2025-09-04T16:53:08","slug":"como-utilizar-una-tarjeta-de-credito-para-crear-credito-no-para-destruirlo","status":"publish","type":"post","link":"https:\/\/cashtime.com\/es\/how-to-use-a-credit-card-to-build-credit-not-destroy-it\/","title":{"rendered":"C\u00f3mo utilizar una tarjeta de cr\u00e9dito para generar cr\u00e9dito, no para destruirlo"},"content":{"rendered":"<p>Las tarjetas de cr\u00e9dito pueden ofrecer muchas ventajas a los usuarios cuando se utilizan correctamente. Acumular millas a\u00e9reas, acumular cr\u00e9dito, obtener ayuda adicional en momentos de necesidad, devoluciones en efectivo... suena muy bien, \u00bfverdad? Pues s\u00ed. Pero eso es s\u00f3lo si las cosas se hacen correctamente. \u00bfY si no sabes lo que est\u00e1s haciendo? Las tarjetas de cr\u00e9dito pueden hacer da\u00f1o. El hogar americano medio tiene m\u00e1s de $15k de deuda de tarjeta de cr\u00e9dito, y no es tan dif\u00edcil de hacer como usted puede creer. Los peque\u00f1os errores pueden acumularse con el tiempo, haciendo que las peque\u00f1as imperfecciones se conviertan en flagrantes defectos de deuda. La deuda de la tarjeta de cr\u00e9dito es totalmente evitable si se adhieren a algunos principios b\u00e1sicos.<\/p>\n<p><strong>Lee la letra peque\u00f1a.<\/strong> \u00bfSabes ese texto aburrido que pasas de largo cada vez que dices \"Acepto\" en un formulario? Nosotros tambi\u00e9n lo hacemos. No esperamos que te pongas las gafas de leer y lo repases con un peine de dientes finos, pero deber\u00edas conocer algunos principios b\u00e1sicos de tu tarjeta. \u00bfCu\u00e1l es el tipo de inter\u00e9s? \u00bfSe devenga anual o mensualmente? \u00bfCu\u00e1l es el pago m\u00ednimo y qu\u00e9 ocurre si s\u00f3lo paga eso? \u00bfPuede cambiar el tipo de inter\u00e9s? Antes de contratar cualquier tarjeta de cr\u00e9dito, y para cualquier tarjeta que tenga ahora, deber\u00eda tener estas respuestas preparadas.<\/p>\n<p><strong>Compra lo que puedas con dinero en efectivo.<\/strong> Est\u00e1 bien tener ese l\u00edmite de cr\u00e9dito, \u00bfverdad? Haces un par de compras que no te puedes permitir con el dinero que tienes en la cuenta, lo pagas en un par de semanas o meses y no pasa nada, \u00bfverdad? Pues no. Una simple compra de $100 puede convertirse en muchos cientos m\u00e1s si no se paga gracias a los tipos de inter\u00e9s. Lo entendemos: pueden surgir imprevistos, y las tarjetas de cr\u00e9dito son estupendas en caso de apuro. Sin embargo, para lo que no sean emergencias, lim\u00edtate a comprar \u00fanicamente art\u00edculos que puedas permitirte con el efectivo que tengas en tu cuenta.<\/p>\n<p><strong>Pague su factura a tiempo.<\/strong> El retraso en el pago de una tarjeta de cr\u00e9dito es una enorme bola de demolici\u00f3n para su cr\u00e9dito, que da\u00f1a su puntuaci\u00f3n, a\u00f1ade intereses y le hunde a\u00fan m\u00e1s en el agujero de los recargos por demora. Tanto si utilizas una notificaci\u00f3n de recordatorio en tu tel\u00e9fono, un aviso en el calendario o cualquier otra cosa que pueda ayudarte, recuerda hacer siempre el pago. Hablando de...<\/p>\n<p><strong>Paga m\u00e1s que el m\u00ednimo.<\/strong> Esta es una de las grandes. Un m\u00ednimo de $50 en una tarjeta con miles de saldo ni siquiera empezar\u00e1 a hacer mella en tus intereses, lo que significa que el pago m\u00ednimo te har\u00e1 pagar m\u00e1s a largo plazo. Claro, te mantendr\u00e1 en buena posici\u00f3n, pero al final del d\u00eda, no es suficiente para proteger tu futuro de un mal cr\u00e9dito y una deuda desagradable.<\/p>","protected":false},"excerpt":{"rendered":"<p>Credit cards can provide a great deal of benefit for users when utilized properly. Racking up airline miles, building up [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"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":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-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":"","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-4)","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-4)","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-4)","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-360","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How to Use A Credit Card to Build Credit, Not Destroy It - Cash Time Loan Centers<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/cashtime.com\/es\/como-utilizar-una-tarjeta-de-credito-para-crear-credito-no-para-destruirlo\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Use A Credit Card to Build Credit, Not Destroy It - Cash Time Loan Centers\" \/>\n<meta property=\"og:description\" content=\"Credit cards can provide a great deal of benefit for users when utilized properly. Racking up airline miles, building up [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/cashtime.com\/es\/como-utilizar-una-tarjeta-de-credito-para-crear-credito-no-para-destruirlo\/\" \/>\n<meta property=\"og:site_name\" content=\"Cash Time Loan Centers\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/CashTimeExpressMainSt\/\" \/>\n<meta property=\"article:published_time\" content=\"2019-03-26T16:10:21+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-09-04T16:53:08+00:00\" \/>\n<meta name=\"author\" content=\"Cash Time Loan Centers\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Cash Time Loan Centers\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/cashtime.com\\\/how-to-use-a-credit-card-to-build-credit-not-destroy-it\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/cashtime.com\\\/how-to-use-a-credit-card-to-build-credit-not-destroy-it\\\/\"},\"author\":{\"name\":\"Cash Time Loan Centers\",\"@id\":\"https:\\\/\\\/cashtime.com\\\/#\\\/schema\\\/person\\\/ad6b1c98c208c64b48bec08a231ff16f\"},\"headline\":\"How to Use A Credit Card to Build Credit, Not Destroy It\",\"datePublished\":\"2019-03-26T16:10:21+00:00\",\"dateModified\":\"2025-09-04T16:53:08+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/cashtime.com\\\/how-to-use-a-credit-card-to-build-credit-not-destroy-it\\\/\"},\"wordCount\":468,\"publisher\":{\"@id\":\"https:\\\/\\\/cashtime.com\\\/#organization\"},\"articleSection\":[\"Uncategorized\"],\"inLanguage\":\"es\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/cashtime.com\\\/how-to-use-a-credit-card-to-build-credit-not-destroy-it\\\/\",\"url\":\"https:\\\/\\\/cashtime.com\\\/how-to-use-a-credit-card-to-build-credit-not-destroy-it\\\/\",\"name\":\"How to Use A Credit Card to Build Credit, Not Destroy It - 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