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How does the credit card without credit history work? Online application is possible

Have you ever thought of having a credit card that provides all the security during purchases? One of them is the credit card without credit history, created to be totally flexible with great security measures to avoid fraud.

With this credit card, the customer has access to flexible 100% credit and cash withdrawals, making it much easier when you need that help paying bills.

¿Cómo funciona la tarjeta de crédito sin historial crediticio?
How does the credit card without credit history work? (Image: Internet)

The great novelty with this type of credit card is that the payments made with it can be chosen for a fixed date without interest or can be paid in monthly installments adapted to each cardholder.

In addition, with it it is possible to configure personalized payments, directly through the application installed on the cell phone.

Are you curious to know more about the credit card without credit history? See below for more details and how to apply.

See why the credit card with no credit history is the most researched

The credit card with no credit history is one of the most researched cards at the moment and this is due to very different factors than the competition. The first is the interest rate of the 18% NIR, which represents the 19,63% ABR.

But what makes this credit card so special is its security. This is because the credit card without credit history, in physical form, does not have numbers, so no one can see the card number or CVV.

The absence of numbers does not affect payments in traditional stores or for withdrawing cash at ATMs.

To make online payments, where this numbering is necessary, the customer accesses the application installed on the cell phone and can obtain this information.

How to contract the Aqua credit card

Did you like this type of credit card and want to know how to apply for a credit card without a credit history? Well, first you have to be a client of the Bank. If not, you can do it online through the page official Web, without paying fees and in just a few minutes.

After becoming customers and applying for a credit card without credit history, the card limit will depend on our needs and the risk assessment carried out by the Bank where each value is different for each customer.

Know the annuity of the credit card without credit history

It should be noted that the credit card without credit history has a free annuity for one year and then a renewal cost of €43 per year is charged.

However, the customer can get a free annual renewal if any of the following conditions are met:

  • Proof of income through payroll direct debit of an amount equal to or greater than 800 euros in at least 2 months of the last 4.
  • Submit a document proving receipt of pension or severance pay for an amount equal to or greater than 300 Euros in at least 2 of the last 4 months;
  • Prove periodic income of an amount equal to or greater than 2,500 euros per quarter.
  • If all these are correct, the credit card with no credit history will not charge the fee and the customer will be free to use.

Conclusion

What can we say about the credit card without credit history? Well, it is more suitable for those who already have a bank account and can order more easily.

In addition, it does not have many benefits, only the security of the card data is the great advantage.

Read Also:

Santander Free Credit Card: without annuity and with rewards

Remembering that its use must be done in a controlled manner, avoiding economic losses with the bill at the end of the month.

The credit card without credit history was born to make life easier for consumers and its conscious use is essential for its use.

Find out about the Credit Value of Banco Actinver

He Actinver Bank has a vision of financial education, where he guides his clients in the creation of financial portfolios, which allows them to make investments in order to obtain their personal objectives for an initial value of $500,000 pesos. 

He Actinver Bank offers not only portfolio services but also credit, loans that allow its clients to obtain credit easily. 

The Valor credit offered by Actinver allows its clients to place the investments they have in their portfolio as backup. The amount of the released amount is estimated at the value of your investment.

What are the characteristics and benefits of the Valor credit? 

  • The minimum amount of $ 100,000 pesos and a maximum of $ 5,000,000 (depending on the value of your application).
  • They have a credit term of one year to three years depending on the needs of the client.
  • Payments are fixed monthly. 
  • The rate is fixed at 13.5 percent per year.
  • It is necessary to have life insurance.
¡Conozca el Crédito Valor del Banco Actinver!
Get to know the Credit Value of Banco Actinver! (Photo: Internet)

To request the Valor credit, you can do so through an advisor from the financial center with whom you start the process. He will guide clients on what are the requirements to obtain the Valor credit and the documents that must be presented:

  • natural and legal persons with operations in the business sector; 
  • Be between 18 and 64 years old;
  • Having been an Actinver client for 3 months;
  • not have a negative financial history.

For individuals, they must present some additional documentation: Actinver cash statements two four months prior, official identification and CURP. In addition, it is necessary to authorize bureau consultation to the bank.

For those individuals with operations in the business sector: tax identity document, last two statements before the SAT, Letter from Infonavit. 

Life insurance can be contracted Actinver. That's because they offer a wide variety of life insurance. The average CAT fifteen and a half percent without VAT Remember that contracting credits above your budget can negatively affect your financial history.

Obtaining Valor credit is limited to Actinver bank customers, being a product restricted to holders and joint holders of Actinver investment contracts. In addition, the limit is one credit per person. 

The credit Value of the Actinver Bank, is subject to approval. It is a credit for distinguished clients for any purpose. In addition, it is a credit for the bank's investors that allows them to obtain liquidity without reducing the amount of their investments. keep following our website for more information on loans!

Unemployment in the country increased by 31.3%, according to INEGI

According to the data reported by the National Institute of Statistics and Geography (Inegi) on unemployment open in the country increased by 31.3% in the year 2020. However, that without mentioning informal jobs, underemployed and the PNEA.

understand what isThe percentage is equivalent to a number of unemployed of 2,549,487 people. Compared to the periods from October to December 2019, there are 607,416 more individuals than that registered in that quarter.

Despite the fact that unemployment in the country is considered short-lived, the levels of informality grew 332 percent. This is due to the number of job seekers in a period ranging from six months to one year.

The pandemic and economy: djob in Mexico

The containment systems used to prevent the spread of the pandemic in the country have caused various damages such as unemployment. This is because the reduction in the EAP and informality represented the largest job losses in 2020.

It should be noted that the number of workers in almost all sectors of the economy was affected. But the most affected were the catering and accommodation sectors, they lost 769 thousand occupied places.

El aumento del desempleo preocupa a las parejas.
The couple remains unemployed and worried about debt. (Image: Internet)

youstill, Another affected sector was microbusinesses, which decreased by 914,000, of which 52 percent were microbusinesses that had a fixed establishment.

The National Institute of Statistics and Geography (Inegi) also reported the number of PEA, increasing from 57.6 million to 55.9 million.

understand that this number indicates a decrease of approximately 1.7 million people, where restaurants and lodging services were the most affected. For more information, follow the news on our website.

Underemployment and informality

With the pandemic, underemployed people growing by 3 million 840 thousand, reaching 8 million 100 thousand workers. ANDunderstand that informality They include the employed who are vulnerable due to the type of work they do and those who are not recognized by the person who hires them.

know that that number was 29 million 600 thousand. Por that, heThe unemployment rate increased 1.2 points, going from 3.4 to 4.6 percent at the national level and the rate for 39 cities stood at 5.6 percent.

D.and that way, youAll these data from unemployment They are being reflected, for example, in the growth of the active non-economic population (PNEA). She shot up 53.2 percent over last year. Thus, most of these people want a job or need one, but do not see opportunities in the labor market.

Everything you need to know about the price of the dollar today

The dollar today, Monday, February 8, 2021, is for purchase with 19.8182 and for sale at 20.3208 Mexican pesos. Compared to last week the dollar price 0.26 percent appreciated. 

Comparing the values in interannual terms, the dollar has been falling by 16.07 percent. In the last week the variation in the price of the dollar has been less than last year, by 17.76 percent. 

The rise of the dollar shows the strengthening of the dollar against the Mexican peso. All this in parallel to important information such as inflation and the monetary policy of the Bank of Mexico, relevant news for the country's economy. This happens as soon as the new fiscal support program of the United States is expected.

So why does the dollar go up or down?

The peso-dollar exchange rate is what allows us to understand the variation that exists between them. In Mexico, the exchange rate is free floating, which means that the market is the one that defines the price of the peso in the market. This modality has existed for more than 20 years in the country.

precio del dólar
See key information about the price of the dollar today! (Photo: Freepik/jcomp)

The peso trades 24 hours a day globally, meaning that the Mexican currency is being used throughout the world, changing all the time. By having global variations, the value of the Mexican peso against the dollar depends on national and international variations. 

Now for the price of the dollar in Mexico, it depends on the circulation of it in the Mexican market, if it has a good luxury, the price is reduced. If the circulation decreases, the price increases.

This variation in the price of the dollar affects businessmen, in relation to imports and exports of products and raw materials. An expensive dollar is bad for companies that import into Mexico because they have to pay more to bring the products into the country. But it benefits exporters because their profits increase when they change from dollar to peso.

Another factor that affects the dollar price It is when an investor decides to stop investing in the country, and takes it abroad. This has a greater influence on the variation of the dollar, causing liquidity to drop and the price to rise. 

What is important when making a dollar purchase because we need to travel is to know that there are several types of dollar price. The one that we must verify is the window, which is generally greater than the other values. See more news at our website!

Understand the fall of the Mexican peso!

He Mexican peso it has been falling since December against the US dollar. The biggest factor influencing this drop is the pandemic. This is because the pandemic has caused a drastic decline in the country's economy, leading to an increase in inflation.

Mexico is going through the health crisis with a figure of more than 153,000 deaths reported to date, according to the Secretary of Health. So, it ranks fourth in the number of deaths in the world. The pandemic has led to the closure of the economy in the country and in the world, and as a consequence the fall of the Mexican peso.

Prices in Mexico have risen by 3,33% between 2020 and 2021 in just the first half of January. These are values much higher than expected according to the national statistics institute.

See more information about the fall of the Mexican peso!

The Mexican currency quotes 20.3907 per dollar for sale and 19.8827 for purchase. With these values, the peso accumulates a depreciation of more than 2% compared to last week.

The Mexican peso and the stock market fell considerably on Wednesday. The Mexican stock market falls by 1.76% in reference to the S&P/BMV IPC stock index, it was located at 44,262.01 points, with a volume of 247.1 million titles traded.

peso mexicano
Understand the fall of the Mexican peso! (Photo: Freepik/gpointstudio)

coronavirus crisis

Analysts point out that this economic situation is due to the increase in cases of deaths and infections from the coronavirus that the country has been experiencing in the last week. In this scenario, all the countries of the world reach a figure of more than 100 million cases, struggling to contain the virus and the fight for a shortage of vaccines.

The hope of the economy improving with vaccination is being extinguished with the slowness of the distribution of vaccines together with the negative effect of the pandemic on the economic sector.

Therefore, the global financial markets see greater risks, spreading the fear that the measures to contain the coronavirus in the large economies are not enough and generate the opposite effect.

The dollar index advances with risk aversion, this is because investors are demanding more security, the most risky investors are being cautious at the present time. Therefore, this has generated the fall of the Mexican peso. See more news on our website!

See also:

The best countries to invest in in recent times

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