{"id":73358,"date":"2026-05-09T00:27:00","date_gmt":"2026-05-09T00:27:00","guid":{"rendered":"https:\/\/wivlox.com\/7beb5157-f4d5-4a09-af02-de8a9e07a460\/"},"modified":"2026-05-09T00:27:28","modified_gmt":"2026-05-09T00:27:28","slug":"7beb5157-f4d5-4a09-af02-de8a9e07a460","status":"publish","type":"post","link":"https:\/\/wivlox.com\/en\/7beb5157-f4d5-4a09-af02-de8a9e07a460\/","title":{"rendered":"Tarjeta de Cr\u00e9dito Cetelem Pay: Sin comisiones y con m\u00faltiples ventajas"},"content":{"rendered":"<\/p>\n<\/p>\n<div style=\"background: #ffffff; border-radius: 12px; box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1); width: 100%; max-width: 340px; padding: 25px; transition: transform 0.3s ease-in-out; overflow: visible; display: flex; flex-direction: column; position: relative; border: 1px solid #28a745; margin-top: 70px; margin-bottom: 50px; margin-left: auto; margin-right: auto;\">\n<div style=\"position: absolute; top: -35px; right: 15px; color: #28a745; padding: 5px 10px; border-radius: 6px; font-size: 14px; font-weight: bold; display: flex; align-items: center; z-index: 10;\">Recommended for you<\/div>\n<div data-namespace-header=\"\" style=\"\">\n<h3 data-namespace-title=\"\" style=\"color: #333; font-size: 20px; font-weight: bold; text-align: left; margin-right: 50px; min-height: 50px; margin-top: 0px;\">Cetelem Pay<\/h3>\n<\/p><\/div>\n<p data-namespace-prompt=\"\" style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left; margin-top: 0px;\">Sin comisi\u00f3n de emisi\u00f3n ni mantenimiento, permite compras f\u00edsicas, online, retiro de efectivo y transferencia a tu cuenta. Diversas opciones de pago y m\u00e1xima flexibilidad.<\/p>\n<p>    <a data-namespace-url=\"\" href=\"https:\/\/wivlox.com\/en\/redirect\/?https:\/\/www.moneybob.com\/es\/tarjetas\/solicitar-tarjeta-de-credito\/\" style=\"width: 100%; display: inline-block; color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\" data-namespace-id=\"5c0d2565-3ba9-4280-a382-ad2a691e2285\"><br \/>\n        <button style=\"width: 100%; height: 55px; background: #e9e9ed; border: 1px solid black; color: black;\">Request now<\/button><br \/>\n    <\/a><br \/>\n    <small style=\"margin-top: 10px; color: #777; font-size: 12px; text-align: center; display: block;\">You will be redirected to another website<\/small>\n<\/div>\n<p>La tarjeta de cr\u00e9dito Cetelem Pay es una opci\u00f3n destacada para quienes buscan flexibilidad y control en sus compras. Sin comisi\u00f3n de emisi\u00f3n ni de mantenimiento, es ideal para quienes desean minimizar costos operativos. El l\u00edmite m\u00e1ximo de cr\u00e9dito es de hasta $4.000.000 CLP, adapt\u00e1ndose a diversas necesidades financieras. El TIN es de 18,31% y la TAE de 19,93%. Permite pagos completos a fin de mes, pagos aplazados o modalidad revolving, lo que brinda varias alternativas seg\u00fan la situaci\u00f3n del usuario.<\/p>\n<h2>C\u00f3mo solicitar la tarjeta Cetelem Pay paso a paso<\/h2>\n<ol>\n<li>Ingresa al sitio web de Cetelem y accede a tu Espacio Cliente o descarga la app.<\/li>\n<li>Completa el formulario con tus datos personales.<\/li>\n<li>Adjunta la documentaci\u00f3n solicitada (debe ser mayor de edad, residente y demostrar ingresos).<\/li>\n<li>Elige la modalidad de pago que m\u00e1s te convenga.<\/li>\n<li>Confirma y espera la respuesta de aprobaci\u00f3n.<\/li>\n<\/ol>\n<h2>Ventajas de la tarjeta Cetelem Pay<\/h2>\n<p>Uno de los puntos fuertes es que no cobra comisiones por emisi\u00f3n ni por mantenimiento, lo que la hace sumamente competitiva. Su flexibilidad de pagos \u2014completo, revolving o aplazado\u2014 permite adaptarse a emergencias, compras puntuales o para mayor control de gastos mensuales. Adem\u00e1s, puedes transferir cr\u00e9dito directamente a tu cuenta bancaria si lo necesitas. Otra ventaja es la posibilidad de pagar el total o realizar cancelaciones anticipadas sin costes adicionales.<\/p>\n<h2>Inconvenientes a considerar<\/h2>\n<p>El inter\u00e9s aplicado en la modalidad revolving o abonos aplazados puede ser elevado para quienes deciden financiar a largo plazo, alcanzando cerca del 20% TAE. Si bien su aceptaci\u00f3n es amplia, para acceder a la oferta completa es necesario tener respaldo de ingresos y superar los criterios de evaluaci\u00f3n de Cetelem, lo que puede limitar el acceso a algunos usuarios.<\/p>\n<h2>Final verdict<\/h2>\n<p>La tarjeta Cetelem Pay se destaca por su facilidad de uso digital, ausencia de comisiones innecesarias y un abanico de opciones de pago muy conveniente. Es recomendable para quienes buscan flexibilidad y control en sus compras siempre que se usen opciones de pago responsable. Aquellos que generalmente abonan el total mensual encontrar\u00e1n en esta tarjeta una aliada pr\u00e1ctica y sin costos ocultos.<\/p>\n<div style=\"background: #ffffff; border-radius: 12px; box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1); width: 100%; max-width: 340px; padding: 25px; transition: transform 0.3s ease-in-out; overflow: visible; display: flex; flex-direction: column; position: relative; border: 1px solid #28a745; margin-top: 70px; margin-bottom: 50px; margin-left: auto; margin-right: auto;\">\n<div style=\"position: absolute; top: -35px; right: 15px; color: #28a745; padding: 5px 10px; border-radius: 6px; font-size: 14px; font-weight: bold; display: flex; align-items: center; z-index: 10;\">Recommended for you<\/div>\n<div data-namespace-header=\"\" style=\"\">\n<h3 data-namespace-title=\"\" style=\"color: #333; font-size: 20px; font-weight: bold; text-align: left; margin-right: 50px; min-height: 50px; margin-top: 0px;\">Cetelem Pay<\/h3>\n<\/p><\/div>\n<p data-namespace-prompt=\"\" style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left; margin-top: 0px;\">Sin comisi\u00f3n de emisi\u00f3n ni mantenimiento, permite compras f\u00edsicas, online, retiro de efectivo y transferencia a tu cuenta. Diversas opciones de pago y m\u00e1xima flexibilidad.<\/p>\n<p>    <a data-namespace-url=\"\" href=\"https:\/\/wivlox.com\/en\/redirect\/?https:\/\/www.moneybob.com\/es\/tarjetas\/solicitar-tarjeta-de-credito\/\" style=\"width: 100%; display: inline-block; color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\" data-namespace-id=\"5c0d2565-3ba9-4280-a382-ad2a691e2285\"><br \/>\n        <button style=\"width: 100%; height: 55px; background: #e9e9ed; border: 1px solid black; color: black;\">Request now<\/button><br \/>\n    <\/a><br \/>\n    <small style=\"margin-top: 10px; color: #777; font-size: 12px; text-align: center; display: block;\">You will be redirected to another website<\/small>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Descubre las ventajas de la tarjeta de cr\u00e9dito Cetelem Pay Sin comisi\u00f3n de emisi\u00f3n ni mantenimiento y hasta $4 millones de cr\u00e9dito Solic\u00edtala online en minutos <\/p>","protected":false},"author":3,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.3 - 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