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7:["$","li","Una tarjeta simple sin comisiones es mejor punto de partida si recién estás organizando tus finanzas.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L3",null,{"iconNode":"$0:data:0:rsc:props:children:0:props:children:6:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-circle-check mt-0.5 size-4 shrink-0 text-amber"}],["$","span",null,{"children":"Una tarjeta simple sin comisiones es mejor punto de partida si recién estás organizando tus finanzas."}]]}]
8:["$","li","Revisa siempre el costo de mantención versus el valor real de los beneficios antes de decidir.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L3",null,{"iconNode":"$0:data:0:rsc:props:children:0:props:children:6:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-circle-check mt-0.5 size-4 shrink-0 text-amber"}],["$","span",null,{"children":"Revisa siempre el costo de mantención versus el valor real de los beneficios antes de decidir."}]]}]
9:["$","li","No necesitas la tarjeta \"más completa\" del mercado; necesitas la que se ajuste a tu forma real de gastar.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L3",null,{"iconNode":"$0:data:0:rsc:props:children:0:props:children:6:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-circle-check mt-0.5 size-4 shrink-0 text-amber"}],["$","span",null,{"children":"No necesitas la tarjeta \"más completa\" del mercado; necesitas la que se ajuste a tu forma real de gastar."}]]}]
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b:["$","p",null,{"className":"rounded-xl border border-border bg-ivory-muted p-5","children":[["$","span",null,{"className":"font-medium text-navy","children":"Dato clave: "}],"los beneficios de una tarjeta solo \"valen\" si de verdad los usas. Si pagas mantención por una tarjeta premium y no alcanzas el gasto mínimo para activar los beneficios, terminas perdiendo dinero en vez de ganarlo."]}]
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d:["$","div",null,{"className":"my-6","children":[["$","div",null,{"className":"overflow-x-auto rounded-xl border border-border border-t-4 border-t-header shadow-sm","children":["$","table",null,{"className":"comparison-table w-full min-w-[560px] border-collapse text-sm","children":[["$","thead",null,{"children":["$","tr",null,{"children":[["$","th",null,{"children":"Aspecto"}],["$","th",null,{"children":"Qué revisar"}]]}]}],["$","tbody",null,{"children":[["$","tr",null,{"children":[["$","td",null,{"children":"Costo de mantención"}],["$","td",null,{"children":"La simple normalmente no tiene; la de beneficios sí, aunque a veces se puede eximir"}]]}],["$","tr",null,{"children":[["$","td",null,{"children":"Beneficios"}],["$","td",null,{"children":"Cashback, puntos o millas, casi siempre con condiciones de gasto mínimo"}]]}],["$","tr",null,{"children":[["$","td",null,{"children":"Curva de uso"}],["$","td",null,{"children":"La simple es más fácil de entender desde el primer día"}]]}],["$","tr",null,{"children":[["$","td",null,{"children":"Para quién conviene"}],["$","td",null,{"children":"Simple: uso ocasional / Beneficios: gasto alto y constante"}]]}]]}]]}]}],null,["$","p",null,{"className":"mt-1 text-xs text-navy-muted sm:hidden","children":"Desliza hacia el lado para ver toda la tabla →"}]]}]
e:["$","$L6",null,{"title":"Por qué la simplicidad gana en la mayoría de los casos","children":[["$","p",null,{"children":"La mayoría de las personas que recién están organizando sus finanzas gastan de forma variable e impredecible. En ese escenario, una tarjeta con condiciones de gasto mínimo para activar beneficios termina siendo más una obligación que una ventaja."}],["$","p",null,{"children":"Una tarjeta simple, sin mantención y sin letra chica, te deja enfocarte en construir buenos hábitos primero. Los beneficios pueden esperar hasta que tengas un gasto mensual estable y predecible."}],["$","p",null,{"children":"La lógica de fondo es simple: una tarjeta con beneficios te cobra un costo fijo por tenerla activa, ocurra o no el gasto que activa el beneficio. Si un mes tu gasto baja del mínimo exigido, ese mes pagaste la mantención completa sin recibir nada a cambio. Una tarjeta simple no tiene ese riesgo: lo que ahorras en mantención es ahorro real, mes a mes, independiente de cuánto gastes."}]]}]
f:["$","h3",null,{"className":"text-xl","children":"Ficha técnica: qué mirar antes de elegir"}]
10:["$","div",null,{"className":"my-6 grid grid-cols-1 gap-3 sm:grid-cols-2","children":[["$","div","Costo de mantención",{"className":"rounded-lg border border-border border-l-4 border-l-header bg-ivory-raised p-4 shadow-sm ","children":[["$","p",null,{"className":"text-xs font-medium tracking-wide text-navy-muted uppercase","children":"Costo de mantención"}],["$","p",null,{"className":"mt-1 font-medium text-navy","children":"Compara el costo mensual real, no solo la promoción inicial"}]]}],["$","div","Beneficios ofrecidos",{"className":"rounded-lg border border-border border-l-4 border-l-header bg-ivory-raised p-4 shadow-sm ","children":[["$","p",null,{"className":"text-xs font-medium tracking-wide text-navy-muted uppercase","children":"Beneficios ofrecidos"}],["$","p",null,{"className":"mt-1 font-medium text-navy","children":"Revisa si de verdad los vas a usar (puntos, millas, cashback)"}]]}],["$","div","Gasto mensual promedio",{"className":"rounded-lg border border-border border-l-4 border-l-header bg-ivory-raised p-4 shadow-sm ","children":[["$","p",null,{"className":"text-xs font-medium tracking-wide text-navy-muted uppercase","children":"Gasto mensual promedio"}],["$","p",null,{"className":"mt-1 font-medium text-navy","children":"Calcula cuánto gastas realmente con la tarjeta"}]]}],["$","div","Condiciones del beneficio",{"className":"rounded-lg border border-border border-l-4 border-l-header bg-ivory-raised p-4 shadow-sm ","children":[["$","p",null,{"className":"text-xs font-medium tracking-wide text-navy-muted uppercase","children":"Condiciones del beneficio"}],["$","p",null,{"className":"mt-1 font-medium text-navy","children":"Muchas piden un gasto mínimo mensual para activarse"}]]}]]}]
11:["$","$L6",null,{"title":"Cómo decidir en 4 pasos","children":["$","ol",null,{"className":"list-decimal space-y-3 pl-5","children":[["$","li",null,{"children":[["$","span",null,{"className":"font-medium text-navy","children":"Revisa cuánto gastas mensualmente con tarjeta."}]," ","Mira tu cartola de los últimos 2-3 meses y saca un promedio real, no una estimación optimista."]}],["$","li",null,{"children":[["$","span",null,{"className":"font-medium text-navy","children":"Calcula el costo real de la tarjeta con beneficios."}]," ","Suma la mantención anual completa, no solo el valor mensual que aparece en la publicidad."]}],["$","li",null,{"children":[["$","span",null,{"className":"font-medium text-navy","children":"Compara ese costo con el valor real de los beneficios."}]," ","Si el cashback o los puntos que efectivamente usarías no superan la mantención, no compensa."]}],["$","li",null,{"children":[["$","span",null,{"className":"font-medium text-navy","children":"Si el beneficio no gana, quédate con la opción simple."}]," ","Puedes volver a evaluar una tarjeta con beneficios más adelante, cuando tu gasto sea mayor y más estable."]}]]}]}]
12:["$","$L6",null,{"title":"Ejemplo numérico: el punto de equilibrio real","children":[["$","p",null,{"children":["Supongamos una tarjeta con beneficios que cobra"," ",["$","span",null,{"className":"font-medium text-navy","children":"$$60.000 de mantención anual"}]," ","(ejemplo) y da un"," ",["$","span",null,{"className":"font-medium text-navy","children":"1% de cashback"}]," ","(ejemplo) sobre tus compras:"]}],["$","ul",null,{"className":"list-disc space-y-2 pl-5","children":[["$","li",null,{"children":[["$","span",null,{"className":"font-medium text-navy","children":"Gastando $300.000 al mes ($3.600.000 al año):"}]," ","recibes $36.000 de cashback — menos que la mantención. Pierdes $24.000 al año por tener esta tarjeta."]}],["$","li",null,{"children":[["$","span",null,{"className":"font-medium text-navy","children":"Gastando $700.000 al mes ($8.400.000 al año):"}]," ","recibes $84.000 de cashback — más que la mantención. Ganas $24.000 al año."]}]]}],["$","p",null,{"children":["El punto de equilibrio en este ejemplo es un gasto de"," ",["$","span",null,{"className":"font-medium text-navy","children":"$$500.000 mensuales"}],": por debajo de eso, la tarjeta simple sin comisiones rinde más."]}]]}]
13:["$","$L28",null,{"valueLabel":"Monto anual","data":[{"name":"Mantención anual","monto":60000},{"name":"Cashback, gastando $300.000/mes","monto":36000},{"name":"Cashback, gastando $700.000/mes","monto":84000}]}]
14:["$","div",null,{"className":"my-6 grid gap-4 sm:grid-cols-2","children":[["$","div",null,{"className":"rounded-xl border border-border border-l-4 border-l-gold bg-ivory-raised p-5 shadow-sm","children":[["$","p",null,{"className":"font-heading font-semibold text-navy","children":"A favor"}],["$","ul",null,{"className":"mt-3 space-y-2","children":[["$","li","Puedes recuperar parte de tu gasto en cashback, puntos o millas.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L3",null,{"iconNode":[["path",{"d":"M20 6 9 17l-5-5","key":"1gmf2c"}]],"className":"lucide-check mt-0.5 size-4 shrink-0 text-amber"}],["$","span",null,{"children":"Puedes recuperar parte de tu gasto en cashback, puntos o millas."}]]}],["$","li","Acceso a promociones y descuentos exclusivos en comercios asociados.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L3",null,{"iconNode":"$14:props:children:0:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-check mt-0.5 size-4 shrink-0 text-amber"}],["$","span",null,{"children":"Acceso a promociones y descuentos exclusivos en comercios asociados."}]]}],["$","li","Útil si ya compras de forma constante con la tarjeta.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L3",null,{"iconNode":"$14:props:children:0:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-check mt-0.5 size-4 shrink-0 text-amber"}],["$","span",null,{"children":"Útil si ya compras de forma constante con la tarjeta."}]]}]]}]]}],["$","div",null,{"className":"rounded-xl border border-border border-l-4 border-l-navy-muted bg-ivory-raised p-5 shadow-sm","children":[["$","p",null,{"className":"font-heading font-semibold text-navy","children":"En contra"}],["$","ul",null,{"className":"mt-3 space-y-2","children":[["$","li","Suele tener costo de mantención más alto que una tarjeta simple.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L3",null,{"iconNode":[["path",{"d":"M18 6 6 18","key":"1bl5f8"}],["path",{"d":"m6 6 12 12","key":"d8bk6v"}]],"className":"lucide-x mt-0.5 size-4 shrink-0 text-navy-muted"}],["$","span",null,{"children":"Suele tener costo de mantención más alto que una tarjeta simple."}]]}],["$","li","Los beneficios traen condiciones: gasto mínimo, categorías específicas, plazos.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L3",null,{"iconNode":"$14:props:children:1:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-x mt-0.5 size-4 shrink-0 text-navy-muted"}],["$","span",null,{"children":"Los beneficios traen condiciones: gasto mínimo, categorías específicas, plazos."}]]}],["$","li","Más letra chica que revisar antes de confiar en el \"beneficio\" publicitado.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L3",null,{"iconNode":"$14:props:children:1:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-x mt-0.5 size-4 shrink-0 text-navy-muted"}],["$","span",null,{"children":"Más letra chica que revisar antes de confiar en el \"beneficio\" publicitado."}]]}]]}]]}]]}]
15:["$","p",null,{"className":"rounded-xl border border-amber/40 bg-amber-soft/40 p-5","children":[["$","span",null,{"className":"font-medium text-navy","children":"Cuidado con esto: "}],"no elijas una tarjeta solo por el beneficio publicitado sin leer las condiciones para activarlo. Muchas piden un gasto mínimo mensual que, si no alcanzas, te deja pagando mantención sin recibir nada real a cambio."]}]
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17:["$","div",null,{"className":"my-6 space-y-3","children":[["$","details","¿Vale la pena pagar mantención por una tarjeta con beneficios?",{"className":"group rounded-xl border border-border bg-ivory-muted p-5","children":[["$","summary",null,{"className":"cursor-pointer list-none font-medium text-navy marker:content-none","children":"¿Vale la pena pagar mantención por una tarjeta con beneficios?"}],["$","p",null,{"className":"mt-2 text-sm text-navy-soft","children":"Solo si tu gasto mensual supera el punto de equilibrio entre el costo de mantención y el valor real de los beneficios que efectivamente usarías."}]]}],["$","details","¿Qué tipo de beneficios existen?",{"className":"group rounded-xl border border-border bg-ivory-muted p-5","children":[["$","summary",null,{"className":"cursor-pointer list-none font-medium text-navy marker:content-none","children":"¿Qué tipo de beneficios existen?"}],["$","p",null,{"className":"mt-2 text-sm text-navy-soft","children":"Cashback, puntos canjeables, millas para viajes, y descuentos en comercios asociados, entre otros."}]]}],["$","details","¿Puedo tener una tarjeta simple y una con beneficios a la vez?",{"className":"group rounded-xl border border-border bg-ivory-muted p-5","children":[["$","summary",null,{"className":"cursor-pointer list-none font-medium text-navy marker:content-none","children":"¿Puedo tener una tarjeta simple y una con beneficios a la vez?"}],["$","p",null,{"className":"mt-2 text-sm text-navy-soft","children":"Sí. Muchas personas usan la simple para el día a día y activan la de beneficios solo para compras grandes o categorías específicas."}]]}],["$","details","¿Cómo sé si estoy perdiendo con mi tarjeta actual?",{"className":"group rounded-xl border border-border bg-ivory-muted p-5","children":[["$","summary",null,{"className":"cursor-pointer list-none font-medium text-navy marker:content-none","children":"¿Cómo sé si estoy perdiendo con mi tarjeta actual?"}],["$","p",null,{"className":"mt-2 text-sm text-navy-soft","children":"Revisa tu cartola y compara la mantención que pagaste en el año contra el valor real de los beneficios que efectivamente usaste."}]]}],["$","details","¿Las tarjetas simples tienen algún beneficio?",{"className":"group rounded-xl border border-border bg-ivory-muted p-5","children":[["$","summary",null,{"className":"cursor-pointer list-none font-medium text-navy marker:content-none","children":"¿Las tarjetas simples tienen algún beneficio?"}],["$","p",null,{"className":"mt-2 text-sm text-navy-soft","children":"Generalmente no ofrecen cashback ni puntos, pero compensan con $0 de mantención y muchas menos condiciones que cumplir."}]]}],["$","details","¿Qué debería mirar primero al elegir?",{"className":"group rounded-xl border border-border bg-ivory-muted p-5","children":[["$","summary",null,{"className":"cursor-pointer list-none font-medium text-navy marker:content-none","children":"¿Qué debería mirar primero al elegir?"}],["$","p",null,{"className":"mt-2 text-sm text-navy-soft","children":"Tu gasto mensual promedio. A partir de ahí se decide todo lo demás."}]]}]]}]
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