The internet has facilitated access to many services and products such as Credit cardsNext we will give you some tips to request a credit card online without having to leave your home and we will tell you if it is safe to do so or not.
Tips to know if it is safe to apply for a credit card online
It is important that you check that the financial institution is duly registered and regulated by the National Commission for the Protection and Defense of Users of Financial Services (Condusef) in its Registration System for Financial Service Providers (Sipres).
There are banks that offer you a credit card pre-approved from their banking app, especially if you already have an account with them. If this is the case, you can request a card, as long as you are using the official application. It is also important that you compare the terms and conditions before hiring.
Likewise, it is completely safe if you are going to ask for one credit cardor from a duly regulated FinTech and from the official application that you find in the app store of your operating system.
In both cases, the banking institutions will let you know how you will receive your credit cardIn some cases it is virtual, in others they send it to you by mail, and you can also choose to pick it up at a branch. This will depend on each financial institution.
In these cases it is not safe to apply for a credit card
It is not safe when strangers offer you to process credit card in social networks, with terms and conditions taken from a dream compared to what the market offers (if it is too good to be true and they also say that they do not review the bureau, tell them no). For any financial service it is better to contact institutions and not individuals.
It is also possible to fall into more sophisticated scams when you use duckling applications from the bank or some FinTech and where you could end up releasing your personal data. For this reason, it is important to always download the application from official sources and make sure that the institution is regulated.