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Getting a credit card can seem like a real challenge if you're on the credit bureau list or if your credit history isn't the best.
However, thanks to the new fintechs and financial solutions that have emerged in Mexico, it is no longer impossible to access a line of credit, even if you are negatively affected.
Today, there are several card options that anyone can apply for quickly and easily.
In this article, we'll explore some of the top credit cards available to those in a difficult financial situation and review what users are saying about them.
Ready to discover how you can improve your finances?
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Why is it important to have a credit card?
Having a credit card not only allows you to make purchases in installments, but it is also an essential tool for emergencies and for rebuilding your credit history.
Many people who have faced difficulties in the past find in these cards a second chance.
By using them responsibly, it is possible to open the door to better lines of credit in the future.
Below, we present the best credit card options without credit bureau checks available in the Mexican market.
Stori Card: No Bureaucracy and No Annual Fee
One of the most popular options among users with a negative history is the Story CardLaunched in 2020, this card from the fintech company Stori has gained popularity for its simplicity and accessibility.
What sets it apart is that it doesn't require a credit bureau check, making it an attractive option for those who need a hassle-free credit card.
User Reviews
Users highlight the ease of applying for the Stori Card.
The process is carried out directly through the application, quickly and without the need to submit proof of income. Furthermore, the Story Card It doesn't charge an annual fee, which makes it even more attractive.
However, some mention the 500-peso opening fee as a point to consider. Additionally, the lack of rewards may be a drawback for those seeking more benefits.
However, if your main goal is to obtain a line of credit easily and quickly, this is an excellent starting point.
Apply for the Stori card here.
Klar: Guaranteed Credit with Returns
If you prefer a more flexible option, the card Klar It could be the right one.
It's a secured card, which means your credit limit will depend on the amount you deposit as a guarantee. For example, if you deposit 5,000 pesos, that will be your limit.
The interesting thing is that this deposit generates a return of 10% annually, which means that you will not only have access to credit, but you will also see your money grow.
User Reviews
Users highlight the flexibility of the Klar card, especially the ability to choose the credit limit according to their capacity.
Furthermore, it's a perfect option for those looking to rebuild their credit history, as it doesn't consult the credit bureau. The application process is completely digital and quick, making it easy to obtain.
In addition, Klar offers up to 24 months interest-free financing at participating retailers, which is very attractive for those planning to make significant purchases. And best of all, there's no annual fee!
Vexi: Flexibility and Cashback
For those looking for a rewards-based option, the Vexi Card It's an excellent choice.
This card is affiliated with American Express and Carnet, offering cashback programs and exclusive promotions.
It is one of the most attractive options for those looking for additional benefits on their purchases.
User Reviews
Users praise Vexi's cashback program, which allows them to receive rewards for frequent credit use. It is also valued for the possibility of increasing the credit limit if payments are made on time.
The application process is simple, without consulting the Bureau, and approval is usually quick.
One aspect to consider is the opening fee, which ranges between 350 and 450 pesos, depending on the level of card you choose.
However, users consider the cost-benefit ratio to be quite positive, especially if you're looking for a credit card that offers more than the basics.
How to Choose the Best Card for You?
Choosing a credit card is an important decision, especially if you're trying to improve your financial situation.
If you simply need access to credit without much bureaucracy, the Story Card may be your best option.
If you prefer an option that also offers returns, the Klar It's the best alternative. And if you're looking for a rewards card, then the Vexi That's what you need.
Tips for Using Your Credit Card Responsibly
Regardless of the card you choose, it is essential to use it prudently.
Here are some key tips to help you make the most of your new line of credit and improve your credit history:
- Pay your bills on timeMaking timely payments is essential to rebuilding your credit.
- Avoid spending more than you can affordEven if the limit is high, it's important not to exceed it.
- Monitor your expensesUse fintech apps to track your purchases and avoid surprises at the end of the month.
Conclusion
Having a credit card while in debt is possible and can be the first step towards regaining your financial health.
With options like Story, Klar and VexiYou can obtain credit quickly and easily, while building a positive credit history.
With these tools, you are closer to opening new financial opportunities in the future.
If you found this article helpful, please share it with your friends and family who might also benefit from this information!
The more people who know about these options, the easier it will be for everyone to improve their financial situation.
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So, which of these cards will you choose?
