Currently having a credit card is something important, this in the face of the emergency of not having liquidity or cash that can be used for a large purchase or that is used for something else, however, this financial tool should be like a instrument and not a headacheThat is why it is important to learn how to use it.
Each bank that offers a credit card will have differences in the options it has of these tools, so it is vital that before choosing one, you compare the commissions, interest rate, Total Annual Cost (CAT), benefits and insurance What does each one offer you?
The National Commission for the Protection and Defense of Users of Financial Services (Condusef), has made a recommendation on how to carry out this analysis and also that it is important, the cut-off date, payment deadline, payment for not generate interest, credit limit, payment amountas well as the time it takes to settle the debt.
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Some of the worst payments made for using this service is the annuity cost, a plastic replacement fee and the commission for use in ATMsbut nevertheless, there are some financial companies that have cards that do not make these charges, here we will share them with you.
According to the information presented by the Condusefthese are the five best credit cards without annuity in Mexico:
More Banregio
This is in the head of the best, because the tcredit card does not charge annuity for life, in addition to helping you pay debts with cards from other banks. You can transfer them to your Banregio Card and defer them to 24 months, in addition of having a rate of 25 percent in your discount on current interest rate.
My First BBVA Card
In the case of the tool offered by BBVA, it has the benefit of not paying annuity for life. As soon as it is delivered to you, you will be able to use it and your purchases will be made securely with a digital signature. To obtain it, you only need to be over 18 years old and have an income of 6 thousand pesos per month.
Basic Banorte
In this case, you will not have an annuity for life either. Plus you have 10 months without interest on your first purchases. It has protection for up to 48 hours in case of theft or loss and you can carry out bank transactions from Banco en Línea or Banorte Móvil.
Simplicity Citibanamex
This card is also without annual payment, although for you to have this benefit you must use it at least once a month. Another advantage is that you will have access to promotions, presales and access to exclusive Citibanamex events. Does not have CVV printed on the plasticfor greater protection in case of theft or loss.
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HSBC Zero
In this case, it does not have an annuity or commissions, the only condition is that you are part of the banking institution through a regular credit card use. And it is also highlighted that it does not charge a commission for the disposition of cash.
Likewise, the Condusef shared a link where you can find out the credit card commissions and thus be able to analyze which one is the best for you in www.condusef.gob.mx the Credit Card Catalogto know and compare the characteristics, benefits and cost of 120 credit cards in Mexico.
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