Nowadays, having a Visa credit card is very important to be able to make purchases or pay for digital subscriptions. We tell you how to obtain one
By Ian Munoz Pederzoli
29/05/2022 – 08,39hs
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Currently, there are several issuers of Credit cards. Nevertheless, Visa enjoys great fame, since it is practically accepted all over the world, so if you are a person who pays subscriptions online or you want to travel to another country, it is important to know the details to have a Visa credit card.
To request it, we simply have to go to a banco to work with Visa (virtually all). To remove cash You have to go to an authorized ATM and make the transaction. As for balance inquiries, they can be made by phone.
What is the card that suits me best?
Visa is a multinational company of financial services that allows transfers of funds between different parts of the world through payment methods such as Credit cards y debit.
However, Visa functions as a network through which banks offer their servicesso each bank or financial entity in particular, it offers different options through this network. The best known are the Visa Classic and the Gold.
Visa Classic and Gold credit cards are one of the best options on the market today
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Visa Classic
It is one of the cards more common and, therefore, easier to obtain. According to the company portal, it has different benefits:
- Customer care Center: attention to detail by the Visa team, with information and assistance with your card 24 hours a day, 365 days a year, either from the country or from any country in the world except Cuba, Syria, Sudan, Iran, North Korea, Crimea and other countries listed in OFAC.
- Emergency cash disbursement: this service cash disbursement serves as an aid to obtain cash in the event that your card is stolen or lost, either from Argentina or anywhere in the world. Does not apply in the countries mentioned above
- Service replacement of the credit card: this service allows the change or replacement of your card in case it has been stolen, lost or damaged/worn out.
According to the Visa portal, banks and financial entities that offer this card are:
- Bica Bank
- Bank of the City of Buenos Aires
- Banco Columbia
- Banco Comafi
- Credicoop Bank
- Bank of Cordoba
- Bank of Currents
- bank of formosa
- Bank of the Argentine Nation
- Bank of La Pampa
- Bank of the Province of Buenos Aires
- Santa Cruz Bank
- Bank of Santiago del Estero
- Bank of Services and Transactions
- Bank of Tierra del Fuego
- Bank of Chubut
- Bank of the province of Neuquén
- Bank of Entre Rios
- Finance Bank
- Bank Galicia
- hipotecary Banc
- Itau bank
- Macro desk
- Moresales Bank
- Municipal Bank of Rosario
- Patagonia Bank
- Saenz Bank
- San Juan Bank
- Santander Bank
- Bench Supervielle
- French Bank
- Popular Savings Bank of the Province of Tucumán
- Cash Yes
- Banco HSBC
- Banco ICBC
- Bank Rioja
- New Bank of Santa Fe
- New Chaco Bank
- Banco Industrial
In addition, each bank can offer Additional benefits those offered by Visa. In the case of Bank of the Province of Buenos Aires offers additional benefits such as adding expenses to the automatic debit, a program of prizes, additional cards free of chargeamong other benefits.
The Bank of the Province of Buenos Aires offers additional benefits for Visa Classic cards
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Visa Gold
According to the site itself Visais a card with a higher purchasing power and better benefits. In addition, it states that it is aimed at those who have greater demands on their credit card.
With respect to benefits offered on the classic card the following are added:
- Automatic debit: Unlike the most basic option, in which only banks offered the additional benefit of automatic debit, this is already included by default.
- Extended Warranty Benefit: According to the Visa website, it offers a service of extended warranty. “When you pay in full for an item with your eligible Visa, you’ll receive free, no-registration protection that will extend the original manufacturer’s warranty for up to one year up to the applicable maximum insured amount.” If we read the small print, it clarifies that it does not apply to items purchased in the countries listed in the OFAC and that certain conditions apply. conditions and exclusions.
- Plan V: is a kind of plan financing of the company, regardless of the financial entity issuer, through which the balance of the card can be financed in purchases that were made in one payment. This type of plan is ideal for those items or purchases that cannot be made in installments, such as restaurants or purchases abroad. It also works for finance purchases that we originally wanted in one payment, but then, for some reason, we prefer that they be financed.
- Purchase Protection: as well as the benefit of extended warranty, protects select purchases from theft or accidental damage within 180 days of purchase. Like the program mentioned above, they apply terms and Conditions.
- Price protection: If you purchase a product with this Visa card, you can access a return of the difference provided that a long series of requirements are met. The most notable are that the difference must exceed $25, that there must be an advertisement after the purchase reflecting this new price, among other clauses. The maximum amount covered is $500 per purchase and $2,000 per account and individual in a 12-month period.
The Gold card has many more benefits than the classic
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What are the requirements to obtain a credit card?
Los requirements are variable depending on the bank with which we decide to operate. However, there are some that are common to all financial entities:
- Have verifiable income: power prove legal income, what is popularly known as “blank money” is essential to obtain a credit card. The most popular is the salary receipt, but it is not the only document, such as the salary receipt. retirement assets.
- be older 21 years old
- Count on DAYS and proof of address in case the declaration does not coincide with this
The salary receipt is one of the most typical documents to present to obtain a card
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How do I know if I qualify for a credit card?
The easiest way to know if I qualify for one visa credit card is to search on the page of the bank or financial institution that we wish requirements they request. As I mentioned before, the requirements are almost all the same, so the differences between one entity and the other are minimal.
Besides minimum requirements described in the previous section, it is important to have a good credit history, since it will be one of the main aspects that these entities will consult, for which it is always important pay on time and avoid non-payment of debts, as they could make it difficult to obtain a card in the future.
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