Advertisements
Having a credit card can be the key to restoring your finances, especially if you've had credit problems in the past.
The good news is that even if you're listed in the Credit Bureau, there are options on the market to get a card and start building a healthy credit history.
Here we explore the best alternatives and what users have to say about them.
Read also:
Advertisements
Why look for a credit card if you're in the Bureau?
Having your name listed in the Credit Bureau can severely limit access to financial products, but some institutions have designed specific cards for those seeking a second chance.
These alternatives not only allow you to address emergencies, but also provide the opportunity to rebuild your credit history.
If you find yourself in this situation, finding the right card is critical.
Advertisements
Let's take a look at some of the most popular options in Mexico and learn about user experiences.
Stori Card: Simplicity without a Credit Bureau
The Story Card It is one of the main options for people who are in the Credit Bureau in Mexico.
This fintech offers a simple process, without the need to prove income or undergo a credit bureau evaluation.
According to users, the Stori Card has proven to be a practical and hassle-free solution for those who need credit quickly.
Benefits of the Stori Card:
- No annual fee: It doesn't charge an annual fee, which is a major advantage for those looking to reorganize their finances.
- Fast approval: The approval process is fast and the initial credit limit depends on the user's profile.
- Easy management: Everything is managed through the app, allowing for precise control of expenses and payments.
However, some users point out that interest rates can be high if not paid on time, so it is essential to have a good financial plan to avoid overcharges.
Klar: Guaranteed and with Performance
If you prefer a safer option that even generates some return, the Klar Guaranteed it is ideal.
This financial product requires a deposit as collateral, which will be your credit limit.
In addition, this deposit generates an annual return of 10%, making it an attractive option for those who want greater control over their finances.
What users say:
- Financial controlMany users prefer Klar because of the security of knowing their credit is backed by a deposit. This minimizes the risk of accumulating debt.
- Deposit performanceAnother positive aspect is the annual return of the 10%, seen as a form of forced savings.
- Dual functionalityThe Klar card can be used as either a debit or credit card, giving users flexibility.
However, the credit limit is directly linked to the deposit amount, which can be a limitation for those seeking a larger credit line without making a significant deposit.
Vexi Card: Cashback on your Purchases
Another interesting option for those in the Bureau is the Vexi Card, a fintech affiliated with American Express and Carnet.
Its main attraction is the cashback it offers users, returning a percentage of the money spent.
Advantages of the Vexi Card:
- CashbackUsers praise the return of money through the cashback program, which allows them to recover part of their spending.
- Approval without Bureau: Without credit bureau verification, it is one of the most flexible fintechs in terms of approval, as long as payments are made on time.
- Benefits of American Express: Being affiliated with American Express, customers have access to exclusive promotions(Milenio Group).
Some users mention the opening fee, which ranges from 350 to 450 pesos, but the return through cashback offsets this initial cost.
Nano Pay: Recovering Your Credit History
For those looking to improve their credit history, the Nano Pay is an excellent option.
This fintech offers a Mastercard-affiliated card that can be applied for online in just a few minutes.
Its main advantage is that it helps repair your credit bureau profile if used responsibly.
What users say:
- Ease of hiringMost users highlight how easy and quick it is to obtain the card; all you need is basic identification such as INE and RFC.
- History RepairOne of Nano Pay's biggest draws is the ability to improve credit history, which many users claim to have achieved through disciplined use of the product.
- Management via appNano Pay offers complete control from its app, making daily management easier.
Although some mention that the initial credit limit is low, it remains a viable option for those just starting to rebuild their financial profile.
Conclusion: Which card to choose?
Choosing the best credit card for those in the Credit Bureau depends on individual needs.
If you are looking for simplicity and don't want to deal with annuities, the Story Card may be the best option.
If you prefer security with a financial return, the Klar Guaranteed is ideal. For those seeking rewards, the Vexi Card with cashback is an excellent choice.
Remember that the key to improving your credit history is the responsible use of these cards.
Pay your bills on time, keep track of your spending, and over time, your financial situation will begin to improve.
Want to learn more about how to get one of these cards? Check out the links below and choose the one that best suits your needs:
FAQs
1. Is it possible to get a credit card without checking the Credit Bureau?
Yes, there are several institutions in Mexico that don't check the credit bureau, such as Stori, Klar, and Vexi. These fintechs are designed to offer credit to people with negative credit histories.
2. Which card is best to start rebuilding my history?
Cards like Nano Pay and Klar Guaranteed They are popular options for rebuilding credit history, as they are designed for people with poor credit history and offer the potential to improve your credit score.
3. What is the initial credit limit on these cards?
The initial limit varies depending on the card and the user's profile. For example, with Klar, the credit limit is determined by the security deposit, while with Stori, it may depend on a quick evaluation without consulting the credit bureau.
4. Can I increase my credit limit?
Yes, many of these cards allow you to increase your limit as long as you use credit responsibly and pay on time.