Credit cards and debit cards are currently one of the most used means of payment for the purchase of different products and services, so it is worth knowing Who are the ones who will not be able to obtain one of these financial plastics?according to the National Commission for the Protection and Defense of Users of Financial Services (Condusef).
Thus, as detailed by the National Commission for the Protection and Defense of Users of Financial Services (Condusef), the people who Those who have a bad credit history will not be able to apply for a credit card from the bank..
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The above means that banks will not authorize a credit card to people who have a negative rating in the Credit Bureausince appearing that way in this means that they do not cover their liabilities adequately and on time.
Credit history
For its part, in the May 2024 edition of the Protect your money magazinethe National Commission for the Protection and Defense of Users of Financial Services (Condusef) outlined the steps to review credit history, and they are as follows:
*Access the official portal of the Credit Bureau or Círculo de Crédito.
*You will have to fill out a form with your personal information such as name.
*CURP, date of birth, RFC, address, telephone and email.
*You will be asked to answer some questions regarding the financial products you have.
*Choose the type of report you want to obtain (the first report is free and subsequent reports will have a cost).
*Your report will be sent to the email address you provided.
It should be taken into consideration that account holders can consult their credit history completely free of charge once a year, in the Credit Bureau or Credit Circle.
In this sense, keep in mind that if you detected any error in your Credit Report, you can ask for clarification before any of the two Credit Information Companies (SIC), to do this you will have to send a copy of your history, a copy of your current official identification, a signed request for your claim and a copy of documents that support your claim.
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