Explicación de la tarjeta de crédito para estudiantes
En principio, todos los estudiantes disponen de una tarjeta de crédito. El único requisito es que seas solvente como estudiante. Compara las tarjetas de crédito para estudiantes en esta guía.
Los datos más importantes sobre las tarjetas de crédito para estudiantes
Todos los estudiantes tienen la posibilidad de solicitar una tarjeta de crédito
El banco debe comprobar primero la solvencia
Las tarjetas de crédito para estudiantes prometen varios descuentos
Se puede pagar el préstamo a plazos
Calculadora de la tarjeta de crédito para estudiantes
¿Qué es una tarjeta de crédito?
Una tarjeta de crédito es un instrumento de pago que le permite pagar una compra con crédito en lugar de utilizar su cuenta bancaria. Esto significa que no se carga dinero en su cuenta, pero la línea de crédito que se le concede se reduce en el precio de la compra.
Cómo funciona una tarjeta de crédito
Sólo pagas una compra realizada con crédito cuando recibes un extracto de la tarjeta de crédito en tu banco online, por correo electrónico o en tu buzón.
Si no devuelve la totalidad del crédito dispuesto en la fecha de vencimiento de la factura, tendrá que pagar los intereses del crédito.
Diferencia: tarjeta de crédito y tarjeta de débito
Las diferencias a simple vista:
Tarjetas de débito gratuitas como complemento de la cuenta corriente
Las tarjetas de crédito suelen tener un coste adicional
En el caso de los pagos con tarjeta de débito, el cargo se realiza directamente en la cuenta
Pagos con tarjeta de crédito una vez al mes
Las tarjetas de crédito se aceptan más a menudo en el extranjero
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