Credit card: Banco Azteca or BanCoppel, which is better for you?

Written in MONEY the

When choosing to acquire a credit card, it is important that before hiring you take into account some factors and you can be more certain that you will choose the right one.

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Your payment method

If you are a totalero (you pay 100% of the purchases you make with your plastic every month), the recommendation of the driving is that you pay attention to the annual fee of the card. But if you are not total, that is, you pay each month only the minimum amount required or a little more than the balance of the debt, the factor to take into account is the interest rate.

your income

Consider your income to identify the type of card you can have (classic, gold or platinum), as well as to define an appropriate line of credit for your finances. It is also important that in addition to the income you take into account existing debts and/or financial commitments.

your consumption

Another important factor is the use that you will give to your card; If you will only use it for an emergency, take advantage of a promotion at months without interest or with a special discount, the recommendation is that it be one with a low annuity or that it does not apply. But, says the drivingif you are going to use it to pay daily for all your purchases and consumption of the month, take into account the annuity, but also the commissions and costs applied in the operations you carry out such as: online transactions, (direct debit payments, transfer of balances) , balance inquiries at ATMs and cash availability.

Your credit history

If you have a positive credit history (zero late payments, no missing payments) you will have no problem applying for another card or any other credit you need, but if you have a negative payment history, the only way to obtain one is credit card is by acquiring a guaranteed or insured card.

Banco Azteca or BanCoppel

According to data from the drivingas of October 2022, served 94,683 claims addressed to banks, of that total, Azteca Bank accounted for 12%, while BanCoppel, at just 5%.

Azteca Bank:

It has different types of cards that they can be a good option, as long as they adjust to what is expected to receive from them.

There are actually two: the first is used to manage the Guardadito Azteca savings account and the second is used to have a line of credit granted by the bank, through the cards: Azteca, Oro Garantizada Azteca and the VAS Card.

Bancoppel:

It has three credit card options: Bancoppel, Gold and Platinum, with which you can make purchases, request up to two additional cards, withdraw cash at BanCoppel branches or at Afirme, Scotiabank and BanBajío ATMs.

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