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1e:["$","$L14",null,{"title":"Qué son realmente estas tarjetas","children":[["$","p",null,{"children":"Las tres son tarjetas de crédito emitidas por el brazo financiero de una casa comercial, no productos de un banco tradicional independiente (aunque CMR Falabella y Ripley están respaldadas por bancos del mismo grupo). Funcionan como cualquier tarjeta de crédito revolving: te asignan un cupo, compras dentro de él, y pagas después con la opción de hacerlo en cuotas o de dejar saldo pendiente generando interés."}],["$","p",null,{"children":"La diferencia frente a una tarjeta bancaria está en el modelo de negocio: el objetivo principal de estas tarjetas es fidelizarte con la tienda que las emite, por eso concentran sus beneficios reales (descuentos, puntos, promociones) dentro de su propio ecosistema, y tienden a ser menos competitivas cuando las usas fuera de él."}]]}]
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":[["$","div","CMR Falabella — emisor",{"className":"rounded-lg border border-border border-l-4 border-l-header bg-ivory-raised p-4 shadow-sm ","children":[["$","p",null,{"className":"text-xs font-medium tracking-wide text-navy-muted uppercase","children":"CMR Falabella — emisor"}],["$","p",null,{"className":"mt-1 font-medium text-navy","children":"Banco Falabella"}]]}],["$","div","Tarjeta Ripley — emisor",{"className":"rounded-lg border border-border border-l-4 border-l-header bg-ivory-raised p-4 shadow-sm ","children":[["$","p",null,{"className":"text-xs font-medium tracking-wide text-navy-muted uppercase","children":"Tarjeta Ripley — emisor"}],["$","p",null,{"className":"mt-1 font-medium text-navy","children":"Banco Ripley"}]]}],["$","div","Tarjeta La Polar — emisor",{"className":"rounded-lg border border-border border-l-4 border-l-header bg-ivory-raised p-4 shadow-sm ","children":[["$","p",null,{"className":"text-xs font-medium tracking-wide text-navy-muted uppercase","children":"Tarjeta La Polar — emisor"}],["$","p",null,{"className":"mt-1 font-medium text-navy","children":"La Polar (financiera propia)"}]]}],["$","div","Las tres — tipo de producto",{"className":"rounded-lg border border-border border-l-4 border-l-header bg-ivory-raised p-4 shadow-sm ","children":[["$","p",null,{"className":"text-xs font-medium tracking-wide text-navy-muted uppercase","children":"Las tres — tipo de producto"}],["$","p",null,{"className":"mt-1 font-medium text-navy","children":"Línea de crédito revolving con cupo asignado"}]]}],["$","div","Las tres — uso",{"className":"rounded-lg border border-border border-l-4 border-l-header bg-ivory-raised p-4 shadow-sm sm:col-span-2","children":[["$","p",null,{"className":"text-xs font-medium tracking-wide text-navy-muted uppercase","children":"Las tres — uso"}],["$","p",null,{"className":"mt-1 font-medium text-navy","children":"Dentro y fuera de la tienda emisora, como tarjeta de crédito general"}]]}]]}]
21:["$","h2",null,{"className":"text-2xl","children":"Ventajas y desventajas de cada una"}]
22:["$","div",null,{"className":"my-6 grid gap-4 sm:grid-cols-2","children":[["$","div",null,{"className":"rounded-xl border border-border border-l-4 border-l-gold bg-ivory-raised p-5 shadow-sm","children":[["$","p",null,{"className":"font-heading font-semibold text-navy","children":"CMR Falabella — a favor"}],["$","ul",null,{"className":"mt-3 space-y-2","children":[["$","li","Amplia red de convenios (supermercados, farmacias, otros retailers asociados).",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L11",null,{"ref":"$undefined","iconNode":[["path",{"d":"M20 6 9 17l-5-5","key":"1gmf2c"}]],"className":"lucide-check mt-0.5 size-4 shrink-0 text-amber"}],["$","span",null,{"children":"Amplia red de convenios (supermercados, farmacias, otros retailers asociados)."}]]}],["$","li","App madura y estable.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L11",null,{"ref":"$undefined","iconNode":"$22:props:children:0:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-check mt-0.5 size-4 shrink-0 text-amber"}],["$","span",null,{"children":"App madura y estable."}]]}],["$","li","Promociones frecuentes en fechas comerciales grandes.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L11",null,{"ref":"$undefined","iconNode":"$22:props:children:0:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-check mt-0.5 size-4 shrink-0 text-amber"}],["$","span",null,{"children":"Promociones frecuentes en fechas comerciales grandes."}]]}]]}]]}],["$","div",null,{"className":"rounded-xl border border-border border-l-4 border-l-navy-muted bg-ivory-raised p-5 shadow-sm","children":[["$","p",null,{"className":"font-heading font-semibold text-navy","children":"CMR Falabella — en contra"}],["$","ul",null,{"className":"mt-3 space-y-2","children":[["$","li","CAE puede ser alta si no pagas el total facturado.",{"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":"CAE puede ser alta si no pagas el total facturado."}]]}],["$","li","Mantención según plan contratado.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L11",null,{"ref":"$undefined","iconNode":"$22:props:children:1:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-x mt-0.5 size-4 shrink-0 text-navy-muted"}],["$","span",null,{"children":"Mantención según plan contratado."}]]}]]}]]}]]}]
23:["$","div",null,{"className":"my-6 grid gap-4 sm:grid-cols-2","children":[["$","div",null,{"className":"rounded-xl border border-border border-l-4 border-l-gold bg-ivory-raised p-5 shadow-sm","children":[["$","p",null,{"className":"font-heading font-semibold text-navy","children":"Ripley — a favor"}],["$","ul",null,{"className":"mt-3 space-y-2","children":[["$","li","Puntos Ripley canjeables dentro de tiendas Ripley.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L11",null,{"ref":"$undefined","iconNode":"$22:props:children:0:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-check mt-0.5 size-4 shrink-0 text-amber"}],["$","span",null,{"children":"Puntos Ripley canjeables dentro de tiendas Ripley."}]]}],["$","li","Promociones frecuentes en fechas comerciales.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L11",null,{"ref":"$undefined","iconNode":"$22:props:children:0:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-check mt-0.5 size-4 shrink-0 text-amber"}],["$","span",null,{"children":"Promociones frecuentes en fechas comerciales."}]]}],["$","li","Buena app de gestión.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L11",null,{"ref":"$undefined","iconNode":"$22:props:children:0:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-check mt-0.5 size-4 shrink-0 text-amber"}],["$","span",null,{"children":"Buena app de gestión."}]]}]]}]]}],["$","div",null,{"className":"rounded-xl border border-border border-l-4 border-l-navy-muted bg-ivory-raised p-5 shadow-sm","children":[["$","p",null,{"className":"font-heading font-semibold text-navy","children":"Ripley — en contra"}],["$","ul",null,{"className":"mt-3 space-y-2","children":[["$","li","Beneficios más limitados fuera del ecosistema Ripley.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L11",null,{"ref":"$undefined","iconNode":"$22:props:children:1:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-x mt-0.5 size-4 shrink-0 text-navy-muted"}],["$","span",null,{"children":"Beneficios más limitados fuera del ecosistema Ripley."}]]}],["$","li","Menor red de convenios externos que CMR.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L11",null,{"ref":"$undefined","iconNode":"$22:props:children:1:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-x mt-0.5 size-4 shrink-0 text-navy-muted"}],["$","span",null,{"children":"Menor red de convenios externos que CMR."}]]}]]}]]}]]}]
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":[["$","p",null,{"className":"font-heading font-semibold text-navy","children":"La Polar — a favor"}],["$","ul",null,{"className":"mt-3 space-y-2","children":[["$","li","Criterios de aprobación históricamente algo más accesibles para quienes recién empiezan.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L11",null,{"ref":"$undefined","iconNode":"$22:props:children:0:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-check mt-0.5 size-4 shrink-0 text-amber"}],["$","span",null,{"children":"Criterios de aprobación históricamente algo más accesibles para quienes recién empiezan."}]]}]]}]]}],["$","div",null,{"className":"rounded-xl border border-border border-l-4 border-l-navy-muted bg-ivory-raised p-5 shadow-sm","children":[["$","p",null,{"className":"font-heading font-semibold text-navy","children":"La Polar — en contra"}],["$","ul",null,{"className":"mt-3 space-y-2","children":[["$","li","Revisar con especial cuidado la CAE antes de aceptar.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L11",null,{"ref":"$undefined","iconNode":"$22:props:children:1:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-x mt-0.5 size-4 shrink-0 text-navy-muted"}],["$","span",null,{"children":"Revisar con especial cuidado la CAE antes de aceptar."}]]}],["$","li","Red de convenios más acotada que las otras dos.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L11",null,{"ref":"$undefined","iconNode":"$22:props:children:1:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-x mt-0.5 size-4 shrink-0 text-navy-muted"}],["$","span",null,{"children":"Red de convenios más acotada que las otras dos."}]]}]]}]]}]]}]
37:I[27201,["/_next/static/chunks/0h2qsuyze9ds1.js","/_next/static/chunks/28j4gcc3lx1ut.js","/_next/static/chunks/43f0-277eyf78.js"],"IconMark"]
25:["$","$L14",null,{"title":"Cómo postular paso a paso","children":["$","ol",null,{"className":"list-decimal space-y-3 pl-5","children":[["$","li",null,{"children":[["$","span",null,{"className":"font-medium text-navy","children":"Ten a mano tu Cédula de Identidad y comprobante de ingresos"}]," ","(liquidación de sueldo, boletas si eres independiente)."]}],["$","li",null,{"children":[["$","span",null,{"className":"font-medium text-navy","children":"Postula desde la app o sitio web oficial de la tienda"}],", o directamente en caja al momento de una compra."]}],["$","li",null,{"children":[["$","span",null,{"className":"font-medium text-navy","children":"Completa la evaluación de capacidad de pago"}],", que revisa tu renta e historial."]}],["$","li",null,{"children":[["$","span",null,{"className":"font-medium text-navy","children":"Revisa el cupo asignado y las condiciones antes de activar la tarjeta"}],", especialmente la CAE."]}],["$","li",null,{"children":[["$","span",null,{"className":"font-medium text-navy","children":"Activa la tarjeta desde la app"}]," ","apenas te llegue, y configura tu clave."]}]]}]}]
26:["$","p",null,{"className":"rounded-xl border border-amber/40 bg-amber-soft/40 p-5","children":[["$","span",null,{"className":"font-medium text-navy","children":"Cuidado con esto: "}],"en tarjetas de casa comercial es todavía más importante revisar la CAE (Carga Anual Equivalente) que la cuota mensual publicitada, porque las diferencias entre marcas pueden ser grandes. Si no sabes qué es, revisa nuestra explicación de"," ",["$","$L10",null,{"href":"/que-es-la-cae","className":"text-amber hover:text-amber-hover","children":"qué es la CAE y por qué importa"}],"."]}]
27:["$","h2",null,{"className":"text-2xl","children":"Errores comunes al elegir una tarjeta de casa comercial"}]
28:["$","div",null,{"className":"my-6 grid gap-4 sm:grid-cols-2","children":[["$","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":[["$","li","Comparar la CAE de las tres antes de decidir, no solo la cuota mensual.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L11",null,{"ref":"$undefined","iconNode":"$22:props:children:0:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-check mt-0.5 size-4 shrink-0 text-amber"}],["$","span",null,{"children":"Comparar la CAE de las tres antes de decidir, no solo la cuota mensual."}]]}],["$","li","Revisar qué convenios externos usas realmente tú.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L11",null,{"ref":"$undefined","iconNode":"$22:props:children:0:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-check mt-0.5 size-4 shrink-0 text-amber"}],["$","span",null,{"children":"Revisar qué convenios externos usas realmente tú."}]]}],["$","li","Preguntar por el cupo real antes de aceptar la tarjeta.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L11",null,{"ref":"$undefined","iconNode":"$22:props:children:0:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-check mt-0.5 size-4 shrink-0 text-amber"}],["$","span",null,{"children":"Preguntar por el cupo real antes de aceptar la tarjeta."}]]}],["$","li","Usar solo una parte del cupo disponible, dejando margen.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L11",null,{"ref":"$undefined","iconNode":"$22:props:children:0:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-check mt-0.5 size-4 shrink-0 text-amber"}],["$","span",null,{"children":"Usar solo una parte del cupo disponible, dejando margen."}]]}]]}]]}],["$","div",null,{"className":"rounded-xl border border-border border-l-4 border-l-navy-muted bg-ivory-raised p-5 shadow-sm","children":[["$","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 la tarjeta solo por una promoción puntual sin revisar condiciones a largo plazo.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L11",null,{"ref":"$undefined","iconNode":"$22:props:children:1:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-x mt-0.5 size-4 shrink-0 text-navy-muted"}],["$","span",null,{"children":"Sacar la tarjeta solo por una promoción puntual sin revisar condiciones a largo plazo."}]]}],["$","li","Ignorar la CAE y fijarte solo en la cuota mensual.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L11",null,{"ref":"$undefined","iconNode":"$22:props:children:1:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-x mt-0.5 size-4 shrink-0 text-navy-muted"}],["$","span",null,{"children":"Ignorar la CAE y fijarte solo en la cuota mensual."}]]}],["$","li","Usar el cupo completo apenas te lo aprueban.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L11",null,{"ref":"$undefined","iconNode":"$22:props:children:1:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-x mt-0.5 size-4 shrink-0 text-navy-muted"}],["$","span",null,{"children":"Usar el cupo completo apenas te lo aprueban."}]]}],["$","li","Tener varias tarjetas de casa comercial activas sin necesidad real.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L11",null,{"ref":"$undefined","iconNode":"$22:props:children:1:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-x mt-0.5 size-4 shrink-0 text-navy-muted"}],["$","span",null,{"children":"Tener varias tarjetas de casa comercial activas sin necesidad real."}]]}]]}]]}]]}]
29:["$","h2",null,{"className":"text-2xl","children":"Preguntas frecuentes"}]
2a:["$","div",null,{"className":"my-6 space-y-3","children":[["$","details","¿Son más fáciles de conseguir que una tarjeta bancaria?",{"className":"group rounded-xl border border-border bg-ivory-muted p-5","children":[["$","summary",null,{"className":"cursor-pointer list-none font-medium text-navy marker:content-none","children":"¿Son más fáciles de conseguir que una tarjeta bancaria?"}],["$","p",null,{"className":"mt-2 text-sm text-navy-soft","children":"En general sí, aunque igual exigen evaluación."}]]}],["$","details","¿Sirven fuera de la tienda que las emite?",{"className":"group rounded-xl border border-border bg-ivory-muted p-5","children":[["$","summary",null,{"className":"cursor-pointer list-none font-medium text-navy marker:content-none","children":"¿Sirven fuera de la tienda que las emite?"}],["$","p",null,{"className":"mt-2 text-sm text-navy-soft","children":"Sí, se pueden usar como tarjeta de crédito normal en la mayoría del comercio."}]]}],["$","details","¿Cuál conviene si no tengo historial?",{"className":"group rounded-xl border border-border bg-ivory-muted p-5","children":[["$","summary",null,{"className":"cursor-pointer list-none font-medium text-navy marker:content-none","children":"¿Cuál conviene si no tengo historial?"}],["$","p",null,{"className":"mt-2 text-sm text-navy-soft","children":"Revisa primero nuestra guía de tarjetas para quienes no tienen historial crediticio."}]]}],["$","details","¿Cobran mantención todas igual?",{"className":"group rounded-xl border border-border bg-ivory-muted p-5","children":[["$","summary",null,{"className":"cursor-pointer list-none font-medium text-navy marker:content-none","children":"¿Cobran mantención todas igual?"}],["$","p",null,{"className":"mt-2 text-sm text-navy-soft","children":"No, varía según el plan y promociones vigentes de cada una; revisa el tarifario actualizado antes de decidir."}]]}],["$","details","¿Puedo tener las tres a la vez?",{"className":"group rounded-xl border border-border bg-ivory-muted p-5","children":[["$","summary",null,{"className":"cursor-pointer list-none font-medium text-navy marker:content-none","children":"¿Puedo tener las tres a la vez?"}],["$","p",null,{"className":"mt-2 text-sm text-navy-soft","children":"Sí, aunque no es necesariamente recomendable si no las vas a usar todas, por el riesgo de sobreendeudamiento."}]]}],["$","details","¿Afectan mi historial igual que una tarjeta bancaria?",{"className":"group rounded-xl border border-border bg-ivory-muted p-5","children":[["$","summary",null,{"className":"cursor-pointer list-none font-medium text-navy marker:content-none","children":"¿Afectan mi historial igual que una tarjeta bancaria?"}],["$","p",null,{"className":"mt-2 text-sm text-navy-soft","children":"Sí, un mal uso de cualquiera de las tres puede afectar tu historial igual que una tarjeta de banco."}]]}]]}]
2b:["$","$L14",null,{"title":"Conclusión","children":["$","p",null,{"children":"Si compras seguido en supermercados y farmacias asociadas, CMR Falabella tiene la red más amplia. Si prefieres acumular dentro de un solo ecosistema con promociones frecuentes, Ripley. Evalúa La Polar solo revisando bien la CAE antes de aceptar."}]}]
2c:["$","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":["$","$L11",null,{"ref":"$undefined","iconNode":[["path",{"d":"M13 21h8","key":"1jsn5i"}],["path",{"d":"M21.174 6.812a1 1 0 0 0-3.986-3.987L3.842 16.174a2 2 0 0 0-.5.83l-1.321 4.352a.5.5 0 0 0 .623.622l4.353-1.32a2 2 0 0 0 .83-.497z","key":"1a8usu"}]],"className":"lucide-pen-line size-5"}]}],["$","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"}],["$","p",null,{"className":"mt-1 text-sm text-navy-muted","children":"Redactamos guías y comparativas sobre tarjetas y finanzas personales en Chile, en lenguaje simple y sin tecnicismos bancarios. Revisamos cada artículo contra fuentes oficiales (SERNAC, CMF, bancos) y lo actualizamos cuando cambian las condiciones."}],["$","$L10",null,{"href":"/sobre-nosotros","className":"mt-2 inline-block text-sm font-medium text-amber hover:text-amber-hover","children":"Conoce al equipo →"}]]}]]}]}]
2d:["$","p",null,{"className":"mt-6 text-sm text-navy-muted","children":["Fuente oficial:"," ",["$","a",null,{"href":"https://www.sernac.cl/portal/618/w3-propertyvalue-28422.html","target":"_blank","rel":"noopener noreferrer","className":"text-amber hover:text-amber-hover","children":"SERNAC – Tarjeta de crédito"}],". Este contenido es informativo y no constituye asesoría financiera. Ver"," ",["$","$L10",null,{"href":"/aviso-legal","className":"text-amber hover:text-amber-hover","children":"aviso legal"}],"."]}]
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