{"id":3078,"date":"2019-07-07T21:59:00","date_gmt":"2019-07-08T02:59:00","guid":{"rendered":"http:\/\/payment1.flywheelsites.com\/?p=3078"},"modified":"2026-06-23T01:55:43","modified_gmt":"2026-06-23T01:55:43","slug":"como-mejorar-tu-historial-crediticio-usando-tu-tarjeta-de-credito","status":"publish","type":"post","link":"https:\/\/payment1.com\/es\/2019\/07\/how-to-improve-your-credit-standing-using-your-credit-card\/","title":{"rendered":"C\u00f3mo mejorar tu historial crediticio usando tu tarjeta de cr\u00e9dito"},"content":{"rendered":"<p>Las tarjetas de cr\u00e9dito pueden hacerte o arruinarte. Si no manejas el uso de tu tarjeta de cr\u00e9dito de manera responsable, las tarjetas de cr\u00e9dito podr\u00edan <a href=\"https:\/\/payment1.com\/es\/2019\/05\/13\/5-practices-that-could-possibly-hurt-your-credit-score\/\">arruinar tu puntaje de cr\u00e9dito<\/a>. Sin embargo, cuando se usan de la manera correcta, pueden ayudarte a construir un buen historial crediticio y darte mayor libertad financiera. Pero, \u00bfc\u00f3mo puede un peque\u00f1o trozo de pl\u00e1stico ayudarte a mejorar tus puntajes de cr\u00e9dito? \u00bfY por qu\u00e9 importa un buen historial crediticio?<\/p>\n<p>Tu historial crediticio se basa en tu comportamiento financiero pasado (es decir, \u00bfpagas tus deudas a tiempo?). Le dice a un prestamista potencial qu\u00e9 tan probable es que le pagues y qu\u00e9 tan confiable y responsable eres. Tu historial crediticio se registra en tu reporte de cr\u00e9dito, el cual indica tu riesgo como prestatario a trav\u00e9s de un valor num\u00e9rico llamado puntaje de cr\u00e9dito. Si tienes un puntaje de cr\u00e9dito bajo, los bancos y otros negocios podr\u00edan no querer hacer negocios contigo o te ofrecer\u00edan t\u00e9rminos que podr\u00edan ser m\u00e1s dif\u00edciles que si tuvieras buenos n\u00fameros en tu reporte de cr\u00e9dito.<\/p>\n<p><strong>Entonces, \u00bfc\u00f3mo puedes lograr un buen historial crediticio usando tu tarjeta de cr\u00e9dito?<\/strong><\/p>\n<p>Ser un gastador responsable al usar tu tarjeta de cr\u00e9dito asegurar\u00e1 que construyas un buen historial crediticio. Pero aqu\u00ed hay algunas cosas que necesitas saber.<\/p>\n<p>Primero, necesitar\u00edas una tarjeta de cr\u00e9dito. Escoger tu primera podr\u00eda ser complicado. Una buena regla general es solicitar una tarjeta de cr\u00e9dito que se ajuste a tu capacidad de pago. No querr\u00edas tener una tarjeta con un l\u00edmite de cr\u00e9dito que no puedas pagar en su totalidad. Adem\u00e1s, solicita tarjetas que no tengan cuotas anuales y presta atenci\u00f3n a las ventajas. Estas cosas pueden aliviar tu <a href=\"https:\/\/payment1.com\/es\/2019\/07\/01\/keeping-finances-in-order-before-getting-married\/\">financiero<\/a> carga.<\/p>\n<p>Si ya tienes una tarjeta de cr\u00e9dito, <strong>Siempre paga a tiempo<\/strong>. Recuerda esa peque\u00f1a cosa llamada reporte de cr\u00e9dito. Si pagas tus cuotas tarde, esto se reflejar\u00e1 en tu reporte de cr\u00e9dito y, cuando lo haga, podr\u00eda bajar tu calificaci\u00f3n crediticia. Usa tu tarjeta de cr\u00e9dito para pagar gastos peque\u00f1os que sepas que podr\u00e1s saldar, como tus compras de comestibles. Usarla con frecuencia puede ayudarte a construir cr\u00e9dito y, siempre y cuando pagues tus cuotas a tiempo, te ayudar\u00e1 a construir un buen puntaje crediticio.<\/p>\n<p><strong>Paga todo<\/strong>. Las tasas de inter\u00e9s de las tarjetas de cr\u00e9dito pueden ser incre\u00edblemente altas. Si solo pagas el inter\u00e9s por mes, tu <a href=\"https:\/\/payment1.com\/es\/2019\/01\/30\/how-to-avoid-getting-deep-in-debt\/\">deuda de tarjeta de cr\u00e9dito<\/a> solo seguir\u00e1 creciendo. Intenta pagar el total, y si no puedes, al menos paga m\u00e1s del m\u00ednimo adeudado.<\/p>\n<p><strong>Nunca gastes m\u00e1s de lo que tienes<\/strong>. Si tienes en la mira ese celular nuevo que cuesta m\u00e1s de $1000, pero no tienes ese mil en tu cuenta bancaria, no uses tu tarjeta de cr\u00e9dito. Trata tu tarjeta de cr\u00e9dito como si fuera una tarjeta de d\u00e9bito. De esta manera, te aseguras de poder pagar tu <a href=\"https:\/\/payment1.com\/es\/2019\/03\/15\/can-you-use-debt-to-build-wealth\/\">Deuda<\/a> cuando vence tu factura.<\/p>","protected":false},"excerpt":{"rendered":"<p>Credit cards can either make you or break you. If you do not handle your credit card usage responsibly, credit cards could ruin your credit score. However, when used the right way, they can help you build good credit standing and open you to more financial freedom. But how can a small square of plastic [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":3079,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[38],"tags":[106,107,113],"class_list":["post-3078","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-promotions","tag-credit-building","tag-credit-scores","tag-financial-education"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How to Improve Your Credit Standing Using Your Credit Card - Payment 1<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/payment1.com\/es\/2019\/07\/como-mejorar-tu-historial-crediticio-usando-tu-tarjeta-de-credito\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Improve Your Credit Standing Using Your Credit Card - Payment 1\" \/>\n<meta property=\"og:description\" content=\"Credit cards can either make you or break you. 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