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What is a credit card?
What they tell you and what they haven't told you about what a credit card is. We all have an idea of what credit cards are: a plastic with a magnetic stripe, with a generic name and a written number that they show us in a commercial. Something we use to make installment purchases using the bank's money as a loan. But for many it is much more than that: For Nicolás, it is the tool with which he pays everything at a single installment to accumulate miles and points, and thus travel more economically. For Marta, he is the lifeguard who helps her in those months that she has additional expenses for her children; when they stain the uniform, when they have a school trip that they did not remember or they have to buy the birthday present of the best friend from their daughter's school. Manuel uses it to invite his colleagues and to talk about business and possible opportunities. In addition, there is nothing wrong with taking your black credit card out of your wallet. And for Natalia, addicted to discounts, her card is the best coupon she can have. The truth is that yes, the card is all that, but mainly it is a type of financing that banks provide so that you pay for a product or service today and, over time, you pay the bank with interest. |