WHICH FLAG DO YOU PREFER?

It will remain in the same place

Why does your wallet feel trapped?

Reaching the end of the month with a balance in the red is more common than you might admit at the dinner table. Bills, subscriptions, a sudden car breakdown... and the feeling of having no room for maneuver. That's when the pre-approved cardA plastic card (or, more accurately, a virtual number) that comes with an authorized limit and is activated in minutes. You don't need a bank appointment or endless paperwork; all you need is a phone, an internet connection, and a few basic documents.

What makes a pre-approved card different?

Express approval

The bank reviews your credit history, income, and digital behavior using risk algorithms. This results in an almost immediate response, far faster than traditional cards that take days (or weeks).

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Clear limit from the beginning

No more waiting for the letter with the final quota. Once you've completed your registration, you'll know exactly how much you can spend, which simplifies your budget and avoids false hopes.

Total control from the app

Lock or unlock your card, set limits by category, receive alerts for each purchase... Everything's just a few taps away. You can even generate virtual cards for one-time purchases to enhance your security.

Rewards aligned with your lifestyle

Cashback, miles, or points. Designed for the digital audience, pre-approved credit cards often offer attractive loyalty programs with no hidden fees.

Building credit history

Every on-time payment contributes to your score. In the medium term, this translates into lower interest rates for larger loans (car, mortgage, business).

Steps to get it without breaking a sweat

1. Choose the right fintech (or digital bank)

Check the app store ratings, confirm that it's licensed, and read user reviews about customer service and fees.

2. Complete the registration

The platform will ask for a selfie, your ID, and, in many cases, proof of income. If you're a freelancer, your bank statements or annual tax return are sufficient.

3. Verify your identity

Thanks to biometrics, the system compares your face with the official photo and validates the authenticity of the document. The process takes less time than heating a cup of tea.

4. Know your limit and customize

On the same screen, you'll see your initial limit. Before activating the card, adjust your notifications and set a monthly budget to stay within your limit.

5. Receive (virtual or physical) and use it

You'll instantly receive virtual card details for online purchases. The physical card arrives in just a few days, already enabled with contactless technology.

In what cases does it really free up your finances?

1. Separation of expenses
   Use pre-approved methods for variable items (groceries, fuel). This way, you can detect cash leaks and make decisions based on data, not impressions.
2. Stable cash flow
   If a large, unexpected payment comes up, the available allowance prevents you from destabilizing your basic budget (rent, utilities, food).
3. Take advantage of rewards
   Planning high-value purchases (a laptop or a course) during cashback promotions multiplies the benefits.
4. Building credit from scratch
   For young people with no credit history or self-employed workers, a pre-approved card is a gateway to the formal financial system.

Common pitfalls that hinder freedom (and how to avoid them)

• Pay only the minimum
  It keeps the balance outstanding and increases the interest. Try to pay off the balance each month, or at least pay more than the minimum payment.
• Ignore the cut-off date
  Write down the exact day and set reminders. Forgetting to do so can cost you penalties and points on your score.
• Use the entire limit regularly
  A utilization above 50 % reflects negatively on your credit history. Leave some headroom available.
• Do not review the app
  Constant monitoring detects strange charges or subscriptions you no longer need.
• Financing unnecessary whims
  Plastic isn't an extension of your income. If something doesn't fit into your budget, save up for it first or get rid of it.

Ninja strategies to get the most out of it

50-30-20 Rule

Allocate 50 % of your income to needs, 30 % to wants, and 20 % to savings/investments. Load your card with only the first two items to maintain order.

Take advantage of interest-free periods

If the card offers interest-free payments, use it for planned and productive purchases (efficient appliances, vocational training).

Use virtual cards

Generate unique numbers for platforms that don't inspire complete trust. If there's a data breach, your primary card remains safe.

Turn rewards into savings

Deposit each peso of cashback into your emergency fund or invest it. This way, the card works twice: it covers expenses and increases your financial cushion.

Check your score quarterly

Free credit bureau apps like those allow you to view your score. Any errors are easier to correct if you catch them early.

LibreCard: the ally that fits in a digital pocket

• Approval in less than five minutes: algorithm that analyzes income and score in real time.
• All-in-one panel: Spending categories, usage charts, and instant one-tap blocking.
• Transparent rewards: 2 % cashback at supermarkets and 1 % on everything else, no small print.
• Global compatibility: Mastercard support, contactless payments and mobile wallet loading.
• 24/7 Human Care: Chat and hotline in Spanish with real-life agents.

(In Part 2 we show you how to download and activate it without any complications.)

Become the master of your budget

The pre-approved card It's not a shortcut to uncontrolled spending; it's a tool that, when used properly, strengthens your financial health. With clear limits, tangible rewards, and a dashboard that shows every step you take, you'll go from "How do I make ends meet?" to "Where do I invest my leftovers?"

Plan your purchases, keep track of payment dates, and use technology to your advantage. This way, your money will stop being a source of stress and become the key that unlocks the door to your projects. Enjoy the financial freedom you deserve, one on-time payment at a time.

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