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17:["$","li","Para sacar débito casi no hay evaluación; para crédito el banco revisa tu capacidad de pago.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L11",null,{"ref":"$undefined","iconNode":"$b:props:children:0:props:children:6:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-circle-check mt-0.5 size-4 shrink-0 text-amber"}],["$","span",null,{"children":"Para sacar débito casi no hay evaluación; para crédito el banco revisa tu capacidad de pago."}]]}]
18:["$","li","No son excluyentes: lo habitual es terminar usando ambas, cada una para un propósito distinto.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L11",null,{"ref":"$undefined","iconNode":"$b:props:children:0:props:children:6:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-circle-check mt-0.5 size-4 shrink-0 text-amber"}],["$","span",null,{"children":"No son excluyentes: lo habitual es terminar usando ambas, cada una para un propósito distinto."}]]}]
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1c:["$","$L14",null,{"title":"Qué es cada una en la práctica","children":[["$","p",null,{"children":["Una ",["$","span",null,{"className":"font-medium text-navy","children":"tarjeta de débito"}]," ","está conectada directamente a una cuenta donde tienes plata: cuenta vista, CuentaRUT o cuenta corriente. Cuando pagas con ella, el dinero sale de inmediato de tu saldo disponible. Si no tienes fondos, simplemente no puedes pagar — no hay forma de \"quedar debiendo\"."]}],["$","p",null,{"children":["Una"," ",["$","span",null,{"className":"font-medium text-navy","children":"tarjeta de crédito"}]," ","funciona distinto: el banco te asigna un cupo de dinero que puedes usar como si fuera tuyo, pero en realidad es un préstamo. A fin de mes te llega un estado de cuenta con lo que gastaste, y tú decides si pagas el total o solo una parte — la parte no pagada genera intereses."]}],["$","p",null,{"children":"Esta diferencia también se refleja en cómo se ve tu cartola: la de débito es básicamente un registro de movimientos sobre tu propio saldo, mientras que la de crédito incluye secciones adicionales —cupo disponible, monto mínimo, fecha de vencimiento— porque hay una deuda real que administrar detrás de cada compra."}]]}]
1d:["$","$L14",null,{"title":"Ejemplo numérico: cuánto cuesta dejar saldo pendiente","children":[["$","p",null,{"children":["Supongamos una compra de"," ",["$","span",null,{"className":"font-medium text-navy","children":"$$300.000"}],". Con débito, el costo es exactamente ese: $300.000, sin nada más. Con crédito, todo depende de si pagas el total facturado o dejas saldo pendiente:"]}],["$","ul",null,{"className":"list-disc space-y-2 pl-5","children":[["$","li",null,{"children":[["$","span",null,{"className":"font-medium text-navy","children":"Pagando el total al mes siguiente:"}]," ","$$300.000, sin interés — el mismo costo que con débito."]}],["$","li",null,{"children":[["$","span",null,{"className":"font-medium text-navy","children":"Dejando saldo pendiente 4 meses, con una tasa de interés de ejemplo de 2,8% mensual"}]," ","(revisa siempre la tasa real de tu tarjeta): terminas pagando $335.038 en total — $35.038 extra, un 11,7% más que el monto original."]}]]}]]}]
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1f:["$","h3",null,{"className":"text-xl","children":"Ficha técnica rápida"}]
20:["$","div",null,{"className":"my-6 grid grid-cols-1 gap-3 sm:grid-cols-2","children":[["$","div","Débito — origen del dinero",{"className":"rounded-lg border border-border border-l-4 border-l-header bg-ivory-raised p-4 shadow-sm ","children":[["$","p",null,{"className":"text-xs font-medium tracking-wide text-navy-muted uppercase","children":"Débito — origen del dinero"}],["$","p",null,{"className":"mt-1 font-medium text-navy","children":"Tu propio saldo, disponible al momento"}]]}],["$","div","Crédito — origen del dinero",{"className":"rounded-lg border border-border border-l-4 border-l-header bg-ivory-raised p-4 shadow-sm ","children":[["$","p",null,{"className":"text-xs font-medium tracking-wide text-navy-muted uppercase","children":"Crédito — origen del dinero"}],["$","p",null,{"className":"mt-1 font-medium text-navy","children":"Cupo prestado por el banco"}]]}],["$","div","Débito — genera intereses",{"className":"rounded-lg border border-border border-l-4 border-l-header bg-ivory-raised p-4 shadow-sm ","children":[["$","p",null,{"className":"text-xs font-medium tracking-wide text-navy-muted uppercase","children":"Débito — genera intereses"}],["$","p",null,{"className":"mt-1 font-medium text-navy","children":"No, nunca, porque no hay deuda"}]]}],["$","div","Crédito — genera intereses",{"className":"rounded-lg border border-border border-l-4 border-l-header bg-ivory-raised p-4 shadow-sm ","children":[["$","p",null,{"className":"text-xs font-medium tracking-wide text-navy-muted uppercase","children":"Crédito — genera intereses"}],["$","p",null,{"className":"mt-1 font-medium text-navy","children":"Sí, si no pagas el total facturado"}]]}],["$","div","Débito — evaluación para obtenerla",{"className":"rounded-lg border border-border border-l-4 border-l-header bg-ivory-raised p-4 shadow-sm ","children":[["$","p",null,{"className":"text-xs font-medium tracking-wide text-navy-muted uppercase","children":"Débito — evaluación para obtenerla"}],["$","p",null,{"className":"mt-1 font-medium text-navy","children":"Prácticamente ninguna"}]]}],["$","div","Crédito — evaluación para obtenerla",{"className":"rounded-lg border border-border border-l-4 border-l-header bg-ivory-raised p-4 shadow-sm ","children":[["$","p",null,{"className":"text-xs font-medium tracking-wide text-navy-muted uppercase","children":"Crédito — evaluación para obtenerla"}],["$","p",null,{"className":"mt-1 font-medium text-navy","children":"Sí, revisan renta e historial"}]]}]]}]
21:["$","$L14",null,{"title":"Qué tan fácil es que te aprueben cada una","children":["$","p",null,{"children":"Este panorama resume qué tan predecible es el resultado si postulas hoy, sin historial previo:"}]}]
22:["$","div",null,{"className":"my-6 rounded-xl border border-border bg-ivory-raised p-6 shadow-sm","children":[["$","div",null,{"className":"flex flex-wrap justify-center gap-8","children":[["$","div","Tarjeta de débito",{"className":"flex flex-col items-center text-center","children":[["$","span",null,{"className":"text-sm font-medium text-navy","children":"Tarjeta de débito"}],["$","svg",null,{"width":120,"height":120,"viewBox":"0 0 120 120","className":"mt-2","children":[["$","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"}]]}]]}]]}],["$","p",null,{"className":"mt-3 text-center text-xs text-navy-muted","children":"Representación relativa de certeza de aprobación, no una tasa de aprobación oficial."}]]}]
23:["$","h2",null,{"className":"text-2xl","children":"Ventajas y desventajas de cada una"}]
24:["$","div",null,{"className":"my-6 grid gap-4 sm:grid-cols-2","children":[["$","div",null,{"className":"rounded-xl border border-border border-l-4 border-l-gold bg-ivory-raised p-5 shadow-sm","children":[["$","p",null,{"className":"font-heading font-semibold text-navy","children":"A favor del débito"}],["$","ul",null,{"className":"mt-3 space-y-2","children":[["$","li","Cero riesgo de endeudarte por error.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L11",null,{"ref":"$undefined","iconNode":[["path",{"d":"M20 6 9 17l-5-5","key":"1gmf2c"}]],"className":"lucide-check mt-0.5 size-4 shrink-0 text-amber"}],["$","span",null,{"children":"Cero riesgo de endeudarte por error."}]]}],["$","li","Aprobación casi inmediata, sin evaluación.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L11",null,{"ref":"$undefined","iconNode":"$24:props:children:0:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-check mt-0.5 size-4 shrink-0 text-amber"}],["$","span",null,{"children":"Aprobación casi inmediata, sin evaluación."}]]}],["$","li","Ideal para controlar el gasto diario.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L11",null,{"ref":"$undefined","iconNode":"$24:props:children:0:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-check mt-0.5 size-4 shrink-0 text-amber"}],["$","span",null,{"children":"Ideal para controlar el gasto diario."}]]}]]}]]}],["$","div",null,{"className":"rounded-xl border border-border border-l-4 border-l-navy-muted bg-ivory-raised p-5 shadow-sm","children":[["$","p",null,{"className":"font-heading font-semibold text-navy","children":"A favor del crédito"}],["$","ul",null,{"className":"mt-3 space-y-2","children":[["$","li","Permite comprar en cuotas sin interés en algunos casos.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L11",null,{"ref":"$undefined","iconNode":[["path",{"d":"M18 6 6 18","key":"1bl5f8"}],["path",{"d":"m6 6 12 12","key":"d8bk6v"}]],"className":"lucide-x mt-0.5 size-4 shrink-0 text-navy-muted"}],["$","span",null,{"children":"Permite comprar en cuotas sin interés en algunos casos."}]]}],["$","li","Construye historial si lo usas con responsabilidad.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L11",null,{"ref":"$undefined","iconNode":"$24:props:children:1:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-x mt-0.5 size-4 shrink-0 text-navy-muted"}],["$","span",null,{"children":"Construye historial si lo usas con responsabilidad."}]]}],["$","li","Suele traer seguros y beneficios adicionales.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L11",null,{"ref":"$undefined","iconNode":"$24:props:children:1:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-x mt-0.5 size-4 shrink-0 text-navy-muted"}],["$","span",null,{"children":"Suele traer seguros y beneficios adicionales."}]]}]]}]]}]]}]
25:["$","p",null,{"className":"rounded-xl border border-amber/40 bg-amber-soft/40 p-5","children":[["$","span",null,{"className":"font-medium text-navy","children":"Cuidado con esto: "}],"el error más común de quien recién empieza con crédito es pensar que el cupo disponible es \"plata extra\". No lo es: es dinero que vas a tener que devolver, y si no pagas el total facturado, empieza a generar interés sobre el saldo pendiente."]}]
26:["$","$L14",null,{"title":"Cómo elegir según tu situación","children":[["$","p",null,{"children":"Si nunca has tenido una tarjeta, lo más razonable es partir con débito: te deja operar con total normalidad —pagar en el comercio, comprar online, girar en cajeros— sin el riesgo de terminar endeudado mientras aprendes a manejar tu plata."}],["$","p",null,{"children":"Una tarjeta de crédito conviene sumarla después, cuando ya tengas ingresos regulares y quieras acceder a compras en cuotas o empezar a construir historial crediticio de forma activa. Lo ideal, a largo plazo, es tener ambas: débito para el gasto diario y crédito para compras planificadas."}]]}]
27:["$","h2",null,{"className":"text-2xl","children":"Preguntas frecuentes"}]
28:["$","div",null,{"className":"my-6 space-y-3","children":[["$","details","¿Puedo quedar en deuda usando tarjeta de débito?",{"className":"group rounded-xl border border-border bg-ivory-muted p-5","children":[["$","summary",null,{"className":"cursor-pointer list-none font-medium text-navy marker:content-none","children":"¿Puedo quedar en deuda usando tarjeta de débito?"}],["$","p",null,{"className":"mt-2 text-sm text-navy-soft","children":"No. Al estar conectada directamente a tu saldo, si no tienes fondos suficientes la transacción simplemente se rechaza. No existe la posibilidad de gastar más de lo que tienes."}]]}],["$","details","¿La tarjeta de débito sirve para comprar online?",{"className":"group rounded-xl border border-border bg-ivory-muted p-5","children":[["$","summary",null,{"className":"cursor-pointer list-none font-medium text-navy marker:content-none","children":"¿La tarjeta de débito sirve para comprar online?"}],["$","p",null,{"className":"mt-2 text-sm text-navy-soft","children":"Sí, la gran mayoría de las tarjetas de débito actuales funcionan igual que una de crédito para compras por internet, siempre que tengas saldo disponible."}]]}],["$","details","¿Necesito tarjeta de crédito para tener historial financiero?",{"className":"group rounded-xl border border-border bg-ivory-muted p-5","children":[["$","summary",null,{"className":"cursor-pointer list-none font-medium text-navy marker:content-none","children":"¿Necesito tarjeta de crédito para tener historial financiero?"}],["$","p",null,{"className":"mt-2 text-sm text-navy-soft","children":"Ayuda bastante, ya que el historial crediticio se construye principalmente con productos de crédito. Sin embargo, mantener movimiento regular en una cuenta con débito también aporta como antecedente positivo."}]]}],["$","details","¿Cuál conviene si solo voy a tener una tarjeta?",{"className":"group rounded-xl border border-border bg-ivory-muted p-5","children":[["$","summary",null,{"className":"cursor-pointer list-none font-medium text-navy marker:content-none","children":"¿Cuál conviene si solo voy a tener una tarjeta?"}],["$","p",null,{"className":"mt-2 text-sm text-navy-soft","children":"Si solo vas a tener una, el débito es la opción más segura para la mayoría de las personas que están empezando, porque elimina el riesgo de endeudarte sin darte cuenta."}]]}],["$","details","¿Por qué mi tarjeta de crédito me cobra interés si pagué algo?",{"className":"group rounded-xl border border-border bg-ivory-muted p-5","children":[["$","summary",null,{"className":"cursor-pointer list-none font-medium text-navy marker:content-none","children":"¿Por qué mi tarjeta de crédito me cobra interés si pagué algo?"}],["$","p",null,{"className":"mt-2 text-sm text-navy-soft","children":"Porque los intereses se calculan sobre el saldo que queda pendiente después de tu pago. Si pagaste el mínimo o un monto parcial, la diferencia sigue generando interés hasta que la canceles completa."}]]}],["$","details","¿Es buena idea usar la tarjeta de crédito como si fuera débito?",{"className":"group rounded-xl border border-border bg-ivory-muted p-5","children":[["$","summary",null,{"className":"cursor-pointer list-none font-medium text-navy marker:content-none","children":"¿Es buena idea usar la tarjeta de crédito como si fuera débito?"}],["$","p",null,{"className":"mt-2 text-sm text-navy-soft","children":"Es una forma razonable de empezar a usarla con cuidado, siempre que pagues el total facturado cada mes. El problema aparece cuando dejas saldo pendiente de forma recurrente."}]]}]]}]
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29:["$","$L14",null,{"title":"Conclusión y recomendación práctica","children":[["$","p",null,{"children":"La diferencia de fondo no es de trámite, sino de qué dinero estás usando: el tuyo, con débito, o dinero prestado, con crédito. Si estás empezando, la ruta más segura es abrir primero una cuenta con tarjeta de débito y aprender a manejar tu flujo de gastos con ella."}],["$","p",null,{"children":"Cuando tengas ingresos estables y quieras acceder a compras en cuotas o construir historial, suma una tarjeta de crédito — pero trátala siempre como un compromiso de pago, no como dinero adicional disponible."}]]}]
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