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7:["$","li","La tarjeta de crédito exige evaluación y renta, pero permite comprar en cuotas y construir historial.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$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":"La tarjeta de crédito exige evaluación y renta, pero permite comprar en cuotas y construir historial."}]]}]
8:["$","li","No son excluyentes: la mayoría de la gente termina usando ambas, cada una para algo distinto.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$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 son excluyentes: la mayoría de la gente termina usando ambas, cada una para algo distinto."}]]}]
9:["$","li","Si es tu primera vez con una tarjeta, parte por la CuentaRUT y evalúa la de crédito más adelante.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$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":"Si es tu primera vez con una tarjeta, parte por la CuentaRUT y evalúa la de crédito más adelante."}]]}]
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d:["$","$L6",null,{"title":"Qué es cada una","children":[["$","p",null,{"children":["La ",["$","span",null,{"className":"font-medium text-navy","children":"CuentaRUT"}]," es una cuenta vista del BancoEstado que viene con una tarjeta de débito asociada. No es una cuenta corriente ni implica ningún tipo de deuda: solo puedes gastar la plata que ya tienes depositada ahí. Se abre con tu Cédula de Identidad, sin necesidad de renta fija ni aval."]}],["$","p",null,{"children":["Una"," ",["$","span",null,{"className":"font-medium text-navy","children":"tarjeta de crédito tradicional"}]," ","es distinta en la base: el banco te presta una línea de dinero hasta un cupo determinado, y tú pagas después, generalmente con la opción de hacerlo en cuotas. Para acceder a ella, el banco evalúa tu capacidad de pago, lo que normalmente exige renta demostrable y algo de historial financiero previo."]}]]}]
e:["$","p",null,{"className":"rounded-xl border border-border bg-ivory-muted p-5","children":[["$","span",null,{"className":"font-medium text-navy","children":"Dato clave: "}],"la diferencia no es solo de trámite: son dos productos financieros distintos. La CuentaRUT usa tu propio dinero, la tarjeta de crédito usa dinero prestado por el banco."]}]
f:["$","h3",null,{"className":"text-xl","children":"Ficha técnica rápida"}]
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11:["$","$L6",null,{"title":"Ventajas y desventajas de cada una","children":["$","p",null,{"children":"Antes de entrar en detalle, esta es la forma más rápida de verlas lado a lado. Ninguna es \"mejor\" en términos absolutos, cada una resuelve un problema distinto."}]}]
12:["$","div",null,{"className":"my-6 grid gap-4 sm:grid-cols-2","children":[["$","div",null,{"className":"rounded-xl border border-border border-l-4 border-l-gold bg-ivory-raised p-5 shadow-sm","children":[["$","p",null,{"className":"font-heading font-semibold text-navy","children":"CuentaRUT — a favor"}],["$","ul",null,{"className":"mt-3 space-y-2","children":[["$","li","Sin mantención mensual.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L3",null,{"iconNode":[["path",{"d":"M20 6 9 17l-5-5","key":"1gmf2c"}]],"className":"lucide-check mt-0.5 size-4 shrink-0 text-amber"}],["$","span",null,{"children":"Sin mantención mensual."}]]}],["$","li","Apertura inmediata, 100% online.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L3",null,{"iconNode":"$12:props:children:0:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-check mt-0.5 size-4 shrink-0 text-amber"}],["$","span",null,{"children":"Apertura inmediata, 100% online."}]]}],["$","li","No exige renta ni evaluación.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L3",null,{"iconNode":"$12:props:children:0:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-check mt-0.5 size-4 shrink-0 text-amber"}],["$","span",null,{"children":"No exige renta ni evaluación."}]]}],["$","li","Cero riesgo de endeudarte.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L3",null,{"iconNode":"$12:props:children:0:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-check mt-0.5 size-4 shrink-0 text-amber"}],["$","span",null,{"children":"Cero riesgo de endeudarte."}]]}]]}]]}],["$","div",null,{"className":"rounded-xl border border-border border-l-4 border-l-navy-muted bg-ivory-raised p-5 shadow-sm","children":[["$","p",null,{"className":"font-heading font-semibold text-navy","children":"CuentaRUT — en contra"}],["$","ul",null,{"className":"mt-3 space-y-2","children":[["$","li","No construye historial crediticio activo.",{"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"}],["$","span",null,{"children":"No construye historial crediticio activo."}]]}],["$","li","Sin cupo para compras grandes en cuotas.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L3",null,{"iconNode":"$12:props:children:1:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-x mt-0.5 size-4 shrink-0 text-navy-muted"}],["$","span",null,{"children":"Sin cupo para compras grandes en cuotas."}]]}],["$","li","Beneficios y seguros limitados.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L3",null,{"iconNode":"$12:props:children:1:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-x mt-0.5 size-4 shrink-0 text-navy-muted"}],["$","span",null,{"children":"Beneficios y seguros limitados."}]]}]]}]]}]]}]
13:["$","div",null,{"className":"my-6 grid gap-4 sm:grid-cols-2","children":[["$","div",null,{"className":"rounded-xl border border-border border-l-4 border-l-gold bg-ivory-raised p-5 shadow-sm","children":[["$","p",null,{"className":"font-heading font-semibold text-navy","children":"Tarjeta de crédito — a favor"}],["$","ul",null,{"className":"mt-3 space-y-2","children":[["$","li","Permite comprar en cuotas.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L3",null,{"iconNode":"$12:props:children:0:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-check mt-0.5 size-4 shrink-0 text-amber"}],["$","span",null,{"children":"Permite comprar en cuotas."}]]}],["$","li","Construye historial si se paga bien.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L3",null,{"iconNode":"$12:props:children:0:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-check mt-0.5 size-4 shrink-0 text-amber"}],["$","span",null,{"children":"Construye historial si se paga bien."}]]}],["$","li","Beneficios: seguros, millas, descuentos.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L3",null,{"iconNode":"$12:props:children:0:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-check mt-0.5 size-4 shrink-0 text-amber"}],["$","span",null,{"children":"Beneficios: seguros, millas, descuentos."}]]}]]}]]}],["$","div",null,{"className":"rounded-xl border border-border border-l-4 border-l-navy-muted bg-ivory-raised p-5 shadow-sm","children":[["$","p",null,{"className":"font-heading font-semibold text-navy","children":"Tarjeta de crédito — en contra"}],["$","ul",null,{"className":"mt-3 space-y-2","children":[["$","li","Mantención anual o mensual en la mayoría de los bancos.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L3",null,{"iconNode":"$12:props:children:1:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-x mt-0.5 size-4 shrink-0 text-navy-muted"}],["$","span",null,{"children":"Mantención anual o mensual en la mayoría de los bancos."}]]}],["$","li","Intereses si no pagas el total facturado.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L3",null,{"iconNode":"$12:props:children:1:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-x mt-0.5 size-4 shrink-0 text-navy-muted"}],["$","span",null,{"children":"Intereses si no pagas el total facturado."}]]}],["$","li","Exige evaluación y renta demostrable.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L3",null,{"iconNode":"$12:props:children:1:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-x mt-0.5 size-4 shrink-0 text-navy-muted"}],["$","span",null,{"children":"Exige evaluación y renta demostrable."}]]}]]}]]}]]}]
14:["$","$L6",null,{"title":"Qué tan fácil es que te aprueben cada una","children":["$","p",null,{"children":"Más allá de los requisitos formales, esto resume qué tan predecible es el resultado si postulas hoy, sin historial previo:"}]}]
15:["$","div",null,{"className":"my-6 rounded-xl border border-border bg-ivory-raised p-6 shadow-sm","children":[["$","div",null,{"className":"flex flex-wrap justify-center gap-8","children":[["$","div","CuentaRUT",{"className":"flex flex-col items-center text-center","children":[["$","span",null,{"className":"text-sm font-medium text-navy","children":"CuentaRUT"}],["$","svg",null,{"width":120,"height":120,"viewBox":"0 0 120 120","className":"mt-2","children":[["$","circle",null,{"cx":60,"cy":60,"r":52,"fill":"none","stroke":"var(--color-border)","strokeWidth":10}],["$","circle",null,{"cx":60,"cy":60,"r":52,"fill":"none","stroke":"#5FBF8E","strokeWidth":10,"strokeLinecap":"round","strokeDasharray":326.7256359733385,"strokeDashoffset":16.33628179866694,"transform":"rotate(-90 60 60)"}],["$","text",null,{"x":60,"y":66,"textAnchor":"middle","fontFamily":"var(--font-heading)","fontWeight":700,"fontSize":18,"fill":"#5FBF8E","children":"Alta"}]]}]]}],["$","div","Tarjeta de crédito",{"className":"flex flex-col items-center text-center","children":[["$","span",null,{"className":"text-sm font-medium text-navy","children":"Tarjeta de crédito"}],["$","svg",null,{"width":120,"height":120,"viewBox":"0 0 120 120","className":"mt-2","children":[["$","circle",null,{"cx":60,"cy":60,"r":52,"fill":"none","stroke":"var(--color-border)","strokeWidth":10}],["$","circle",null,{"cx":60,"cy":60,"r":52,"fill":"none","stroke":"var(--color-amber)","strokeWidth":10,"strokeLinecap":"round","strokeDasharray":326.7256359733385,"strokeDashoffset":147.02653618800232,"transform":"rotate(-90 60 60)"}],["$","text",null,{"x":60,"y":66,"textAnchor":"middle","fontFamily":"var(--font-heading)","fontWeight":700,"fontSize":18,"fill":"var(--color-amber)","children":"Variable"}]]}]]}]]}],["$","p",null,{"className":"mt-3 text-center text-xs text-navy-muted","children":"Representación relativa de certeza de aprobación, no un porcentaje oficial ni una tasa de aprobación real."}]]}]
16:["$","$L6",null,{"title":"Costos y comisiones","children":[["$","p",null,{"children":"Este es el punto donde más se diferencian en la práctica. La CuentaRUT no cobra mantención mensual, y su costo principal está en algunos giros o transferencias fuera de la red del BancoEstado, que conviene revisar en su tarifario vigente antes de usarla intensamente. Una tarjeta de crédito, en cambio, suele tener un costo de mantención anual o mensual dependiendo del banco y el tipo de tarjeta, además de intereses si no pagas el total facturado cada mes."}],["$","p",null,{"children":"Esa diferencia de estructura importa más de lo que parece: con la CuentaRUT sabes desde el primer día que tu costo real será cero mientras no operes fuera de la red del banco, mientras que con una tarjeta de crédito el costo final depende de tu propio comportamiento de pago — puede terminar siendo bajo si pagas el total cada mes, o considerablemente más alto si dejas saldo pendiente de forma recurrente."}]]}]
17:["$","$L6",null,{"title":"Ejemplo numérico: comprar con CuentaRUT vs. financiar con tarjeta de crédito","children":[["$","p",null,{"children":["Supongamos una compra de"," ",["$","span",null,{"className":"font-medium text-navy","children":"$$150.000"}],":"]}],["$","ul",null,{"className":"list-disc space-y-2 pl-5","children":[["$","li",null,{"children":[["$","span",null,{"className":"font-medium text-navy","children":"Pagada con CuentaRUT (débito):"}]," ","$$150.000, y nada más — es tu propia plata."]}],["$","li",null,{"children":[["$","span",null,{"className":"font-medium text-navy","children":"Financiada en 6 cuotas con tarjeta de crédito, con una tasa de interés de ejemplo de 1,8% mensual"}]," ","(revisa siempre la CAE real antes de aceptar): 6 cuotas de $26.598 — total pagado $159.590, un 6,4% más que el monto original."]}]]}]]}]
18:["$","$L31",null,{"data":[{"name":"CuentaRUT (débito)","monto":150000},{"name":"Crédito en 6 cuotas (1,8% mensual)","monto":159590}]}]
19:["$","p",null,{"className":"rounded-xl border border-amber/40 bg-amber-soft/40 p-5","children":[["$","span",null,{"className":"font-medium text-navy","children":"Cuidado con esto: "}],"con una tarjeta de crédito, pagar solo el \"mínimo\" de la cuota mensual genera intereses sobre el saldo pendiente. Si estás recién empezando, revisa siempre la Carga Anual Equivalente (CAE) antes de elegir una tarjeta, no solo la cuota mensual que te muestran."]}]
1a:["$","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":[["$","th",null,{"children":"Concepto"}],["$","th",null,{"children":"CuentaRUT"}],["$","th",null,{"children":"Tarjeta de crédito"}]]}]}],["$","tbody",null,{"children":[["$","tr",null,{"children":[["$","td",null,{"children":"Mantención mensual"}],["$","td",null,{"children":"$$0"}],["$","td",null,{"children":"Depende del banco y plan"}]]}],["$","tr",null,{"children":[["$","td",null,{"children":"Costo por atraso"}],["$","td",null,{"children":"No aplica"}],["$","td",null,{"children":"Interés sobre saldo + posible mora"}]]}],["$","tr",null,{"children":[["$","td",null,{"children":"Giros en cajeros de otras redes"}],["$","td",null,{"children":"Puede tener costo, revisar tarifario"}],["$","td",null,{"children":"No aplica (no es cuenta de giro)"}]]}],["$","tr",null,{"children":[["$","td",null,{"children":"Costo de anualidad"}],["$","td",null,{"children":"No tiene"}],["$","td",null,{"children":"Frecuente, varía por tarjeta"}]]}]]}]]}]}],null,["$","p",null,{"className":"mt-1 text-xs text-navy-muted sm:hidden","children":"Desliza hacia el lado para ver toda la tabla →"}]]}]
1b:["$","$L6",null,{"title":"Cómo abrir tu CuentaRUT paso a paso","children":[["$","p",null,{"children":"Si decides partir por la CuentaRUT, el trámite es simple y se hace completo desde el celular:"}],["$","ol",null,{"className":"list-decimal space-y-3 pl-5","children":[["$","li",null,{"children":[["$","span",null,{"className":"font-medium text-navy","children":"Descarga la app de BancoEstado"}]," ","desde la tienda de aplicaciones de tu celular."]}],["$","li",null,{"children":[["$","span",null,{"className":"font-medium text-navy","children":"Ten tu Cédula de Identidad vigente a mano"}],", la vas a necesitar para verificar tu identidad."]}],["$","li",null,{"children":[["$","span",null,{"className":"font-medium text-navy","children":"Completa el formulario de apertura"}]," ","con tus datos personales dentro de la app."]}],["$","li",null,{"children":[["$","span",null,{"className":"font-medium text-navy","children":"Verifica tu identidad"}]," ","siguiendo las instrucciones en pantalla (foto de la cédula y una selfie, según el flujo vigente)."]}],["$","li",null,{"children":[["$","span",null,{"className":"font-medium text-navy","children":"Activa tu tarjeta física"}]," ","cuando llegue, o empieza a usar la tarjeta digital de inmediato si la app lo permite."]}]]}]]}]
1c:["$","$L6",null,{"title":"En qué casos conviene cada una","children":[["$","p",null,{"children":"La CuentaRUT tiene sentido como primer paso casi para cualquier persona: te permite recibir transferencias, pagar con tarjeta en el comercio, girar en cajeros y empezar a construir un historial de movimientos, todo sin riesgo de endeudarte. Es la opción más razonable si aún no tienes ingresos estables o si simplemente quieres una herramienta simple para el día a día."}],["$","p",null,{"children":"Una tarjeta de crédito conviene cuando ya necesitas financiar compras más grandes en cuotas, quieres empezar a construir historial crediticio de forma activa, o requieres beneficios específicos como seguros de viaje o acumulación de puntos. Pero exige más responsabilidad: un mal uso puede afectar tu historial financiero por años."}]]}]
1d:["$","h2",null,{"className":"text-2xl","children":"Errores comunes al elegir tu primera tarjeta"}]
1e:["$","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":"Lo que sí conviene hacer"}],["$","ul",null,{"className":"mt-3 space-y-2","children":[["$","li","Sacar la tarjeta con un plan de pago claro desde el principio.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L3",null,{"iconNode":"$12:props:children:0:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-check mt-0.5 size-4 shrink-0 text-amber"}],["$","span",null,{"children":"Sacar la tarjeta con un plan de pago claro desde el principio."}]]}],["$","li","Comparar la CAE de varias opciones, no solo la cuota mensual.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L3",null,{"iconNode":"$12:props:children:0:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-check mt-0.5 size-4 shrink-0 text-amber"}],["$","span",null,{"children":"Comparar la CAE de varias opciones, no solo la cuota mensual."}]]}],["$","li","Usar solo una parte del cupo disponible, dejando margen.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L3",null,{"iconNode":"$12:props:children:0:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-check mt-0.5 size-4 shrink-0 text-amber"}],["$","span",null,{"children":"Usar solo una parte del cupo disponible, dejando margen."}]]}],["$","li","Revisar el tarifario vigente antes de usar la CuentaRUT fuera de la red BancoEstado.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L3",null,{"iconNode":"$12:props:children:0:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-check mt-0.5 size-4 shrink-0 text-amber"}],["$","span",null,{"children":"Revisar el tarifario vigente antes de usar la CuentaRUT fuera de la red BancoEstado."}]]}]]}]]}],["$","div",null,{"className":"rounded-xl border border-border border-l-4 border-l-navy-muted bg-ivory-raised p-5 shadow-sm","children":[["$","p",null,{"className":"font-heading font-semibold text-navy","children":"Lo que conviene evitar"}],["$","ul",null,{"className":"mt-3 space-y-2","children":[["$","li","Sacar una tarjeta de crédito solo por el cupo, sin plan de pago claro.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L3",null,{"iconNode":"$12:props:children:1:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-x mt-0.5 size-4 shrink-0 text-navy-muted"}],["$","span",null,{"children":"Sacar una tarjeta de crédito solo por el cupo, sin plan de pago claro."}]]}],["$","li","Fijarte solo en la cuota mensual e ignorar la CAE.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L3",null,{"iconNode":"$12:props:children:1:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-x mt-0.5 size-4 shrink-0 text-navy-muted"}],["$","span",null,{"children":"Fijarte solo en la cuota mensual e ignorar la CAE."}]]}],["$","li","Usar el cupo completo de la tarjeta apenas te la aprueban.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L3",null,{"iconNode":"$12:props:children:1:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-x mt-0.5 size-4 shrink-0 text-navy-muted"}],["$","span",null,{"children":"Usar el cupo completo de la tarjeta apenas te la aprueban."}]]}],["$","li","No revisar el tarifario vigente antes de usar la CuentaRUT de forma intensiva fuera de su red.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L3",null,{"iconNode":"$12:props:children:1:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-x mt-0.5 size-4 shrink-0 text-navy-muted"}],["$","span",null,{"children":"No revisar el tarifario vigente antes de usar la CuentaRUT de forma intensiva fuera de su red."}]]}]]}]]}]]}]
1f:["$","h2",null,{"className":"text-2xl","children":"Preguntas frecuentes"}]
20:["$","div",null,{"className":"my-6 space-y-3","children":[["$","details","¿La CuentaRUT ayuda a construir historial crediticio?",{"className":"group rounded-xl border border-border bg-ivory-muted p-5","children":[["$","summary",null,{"className":"cursor-pointer list-none font-medium text-navy marker:content-none","children":"¿La CuentaRUT ayuda a construir historial crediticio?"}],["$","p",null,{"className":"mt-2 text-sm text-navy-soft","children":"De forma limitada. Al ser una cuenta de débito, no genera historial de deuda como sí lo hace una tarjeta de crédito bien pagada, pero mantener movimientos regulares puede ayudar cuando más adelante solicites otros productos financieros."}]]}],["$","details","¿Puedo tener ambas al mismo tiempo?",{"className":"group rounded-xl border border-border bg-ivory-muted p-5","children":[["$","summary",null,{"className":"cursor-pointer list-none font-medium text-navy marker:content-none","children":"¿Puedo tener ambas al mismo tiempo?"}],["$","p",null,{"className":"mt-2 text-sm text-navy-soft","children":"Sí, no son excluyentes. De hecho es común usar la CuentaRUT para el gasto diario y una tarjeta de crédito de forma más puntual, para compras específicas que quieras pagar en cuotas."}]]}],["$","details","¿Qué pasa si me rechazan una tarjeta de crédito?",{"className":"group rounded-xl border border-border bg-ivory-muted p-5","children":[["$","summary",null,{"className":"cursor-pointer list-none font-medium text-navy marker:content-none","children":"¿Qué pasa si me rechazan una tarjeta de crédito?"}],["$","p",null,{"className":"mt-2 text-sm text-navy-soft","children":"Es más común de lo que parece cuando recién se empieza. Revisa nuestra guía sobre qué hacer si te rechazan una solicitud para conocer los motivos más frecuentes y cómo corregirlos antes de volver a postular."}]]}],["$","details","¿La CuentaRUT tiene algún costo de mantención?",{"className":"group rounded-xl border border-border bg-ivory-muted p-5","children":[["$","summary",null,{"className":"cursor-pointer list-none font-medium text-navy marker:content-none","children":"¿La CuentaRUT tiene algún costo de mantención?"}],["$","p",null,{"className":"mt-2 text-sm text-navy-soft","children":"No cobra mantención mensual. Los costos asociados suelen venir de operaciones específicas, como giros en cajeros de otras redes, así que conviene revisar el tarifario actualizado del BancoEstado antes de usarla de forma intensiva."}]]}],["$","details","¿Desde qué edad puedo tener una CuentaRUT?",{"className":"group rounded-xl border border-border bg-ivory-muted p-5","children":[["$","summary",null,{"className":"cursor-pointer list-none font-medium text-navy marker:content-none","children":"¿Desde qué edad puedo tener una CuentaRUT?"}],["$","p",null,{"className":"mt-2 text-sm text-navy-soft","children":"Puede abrirse desde los 12 años, con la autorización de un representante legal. Para una tarjeta de crédito tradicional, en cambio, se requiere ser mayor de edad."}]]}],["$","details","¿Conviene usar la CuentaRUT como cuenta principal para todo el sueldo?",{"className":"group rounded-xl border border-border bg-ivory-muted p-5","children":[["$","summary",null,{"className":"cursor-pointer list-none font-medium text-navy marker:content-none","children":"¿Conviene usar la CuentaRUT como cuenta principal para todo el sueldo?"}],["$","p",null,{"className":"mt-2 text-sm text-navy-soft","children":"Funciona bien para eso si buscas simplicidad, pero si mantienes saldos altos o haces muchas operaciones fuera de su red, conviene comparar con una cuenta corriente o vista de otro banco antes de decidir."}]]}]]}]
21:["$","$L6",null,{"title":"Conclusión y recomendación práctica","children":[["$","p",null,{"children":"Si es tu primera tarjeta, la CuentaRUT es en la mayoría de los casos el punto de partida más simple y sin riesgo: no exige requisitos que probablemente aún no cumples, y te deja empezar a moverte financieramente. Una tarjeta de crédito tiene sentido como siguiente paso, una vez que tengas claridad sobre tus ingresos y estés dispuesto a manejar el pago responsable de una deuda."}],["$","p",null,{"children":"En la práctica, un camino ordenado es: abrir la CuentaRUT primero, usarla unos meses para tu día a día, y evaluar una tarjeta de crédito solo cuando tengas renta estable y un plan claro de cómo la vas a pagar cada mes — no antes."}]]}]
22:["$","div",null,{"className":"mt-10","children":["$","div",null,{"className":"flex items-start gap-4 rounded-xl border border-border bg-ivory-raised p-5 shadow-sm","children":[["$","div",null,{"className":"flex size-11 shrink-0 items-center justify-center rounded-full bg-amber-soft text-amber","children":["$","$L3",null,{"iconNode":[["path",{"d":"M13 21h8","key":"1jsn5i"}],["path",{"d":"M21.174 6.812a1 1 0 0 0-3.986-3.987L3.842 16.174a2 2 0 0 0-.5.83l-1.321 4.352a.5.5 0 0 0 .623.622l4.353-1.32a2 2 0 0 0 .83-.497z","key":"1a8usu"}]],"className":"lucide-pen-line size-5"}]}],["$","div",null,{"children":[["$","p",null,{"className":"text-sm text-navy-muted","children":"Escrito por"}],["$","p",null,{"className":"font-heading font-semibold text-navy","children":"Equipo Tarjetas Chile"}],["$","p",null,{"className":"mt-1 text-sm text-navy-muted","children":"Redactamos guías y comparativas sobre tarjetas y finanzas personales en Chile, en lenguaje simple y sin tecnicismos bancarios. Revisamos cada artículo contra fuentes oficiales (SERNAC, CMF, bancos) y lo actualizamos cuando cambian las condiciones."}],["$","$L2",null,{"href":"/sobre-nosotros","className":"mt-2 inline-block text-sm font-medium text-amber hover:text-amber-hover","children":"Conoce al equipo →"}]]}]]}]}]
23:["$","p",null,{"className":"mt-6 text-sm text-navy-muted","children":["Fuente oficial:"," ",["$","a",null,{"href":"https://www.bancoestado.cl/content/bancoestado-public/cl/es/home/home/productos-/cuentas/cuentarut.html","target":"_blank","rel":"noopener noreferrer","className":"text-amber hover:text-amber-hover","children":"BancoEstado – CuentaRUT"}],". Este contenido es informativo y no constituye asesoría financiera. Ver"," ",["$","$L2",null,{"href":"/aviso-legal","className":"text-amber hover:text-amber-hover","children":"aviso legal"}],"."]}]
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