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Money on hand for whatever you need, without having to request microloans or bank credits every time you have an unforeseen event. With the Bancopopular-e credit cards, you can have up to € 10,000 at your disposal.

Did you know that credit cards allow you to have an economic fund and you do not have to pay any type of fee or interest if you do not use them? Do you know that if you pay monthly, the cost of your money is 0%, you only pay for what you spend? It seems that credit cards for a long time have been considered a symbol of bankruptcy, but there are really many people like you who use credit cards to have greater control of spending and to finance certain extra expenses such as: travel, reforms from home, Christmas shopping or school books etc ...

Having a credit card is synonymous with flexibility, paying at your own pace and without stress. Another psychological factor is the fact of knowing that you have an economic mattress in case of urgency or need. If you are considering requesting a credit card backed by a large bank (Banco Popular since 1926) and without changing banks, read all the information that we have prepared for you. Shall we start?

Visa gold credit card from Banco Popular online

Banco Popular started its online journey a few years ago and created its own financial products but with the ease of being able to hire them online. Their Visa Gold credit cards are one of their star products, and many people have already become holders of these credit cards.

Customer reviews: the most valued points

The points most valued by users as advantages of these cards are:

  • You should not change banks to apply for your credit cards: This provides convenience, since you will not have to open a new bank account and you will have everything domiciled in the same bank.
  • Agility in the card request procedures: The request to request your credit card online is carried out comfortably from the internet. You do not have to go to the bank in person, you just have to fill out a form and you will get a response quickly.
  • Higher credit than other cards : The bancopopular-e card grants a higher credit than other cards of this type. The maximum is € 10,000, although this will depend on the personal situation of each person, since it may be granted but for a lower amount.
  • 0 added costs: You will not pay anything for annual maintenance, and not only the first year but every year that you are a cardholder. This card has 0 associated costs, you will not pay to request a second card either.
  • Special discounts on products and establishments: this card has associated advantages in establishments that are part of Popular. You can benefit from exclusive offers and save up to 30% on trips, restaurants, technology, etc. Once you are a customer, you will have detailed information on all these advantages.
  • Free insurance: being a holder of these credit cards, you can benefit from 24-hour travel assistance insurance and you will have coverage on all your purchases. You also have the guarantee of safe purchase, and at all times you will be informed of the cost of your card via SMS.

How to request my card

Simplicity is the premise of bancopopular-e, so it makes it very easy for you when ordering your credit card online. You just have to follow these simple steps:

  1. Fill in the card request form with your personal information.
  2. They will call you to confirm the information provided and ask you for more information about your financial situation.
  3. Once your request has been pre-approved , you must send them the necessary documentation (ID, bank account, etc.). In this step you will be informed of the maximum money that has been granted to you as a credit on your card.
  4. The next step will be to receive the credit card at your address and activate it.

With these four steps, you will have already become a Bancopopular-e customer and you will be able to start enjoying your money for whatever you need.

What interests do I have to pay

The interest to be paid will depend on the payment method you choose to return the spent credit. These are the three payment methods that you can choose:

  • Return the money borrowed month overdue: With these credit cards, you can also return the money the following month. With which you will avoid paying interest. If you spend € 500 and pay it back after 30 days, the interest is 0%. As long as you return the entire money spent.
  • Flexible payment in monthly installments: This option is one of the most comfortable, especially to finance a large purchase such as a trip, a late-model plasma television or any other whim or similar. The interests to be paid are calculated by the equivalent annual rates, which are still a percentage where the equivalents of money interests are reflected. There is no better way to understand all this of interests than with a close example.
  • For example, you pay for a family vacation worth € 5000 with your One credit card. You decide to finance your expense in 12 months, so that it is more comfortable for you to pay. Applying the APR of 27.24%, each month you would have to pay approximately € 480.00. At the end of the year you will have paid € 5,760, with interest being € 760. What do you understand better now?
  • Monthly percentage: You can pay a monthly percentage of the money spent, but the minimum will always be € 18.00 or 1% of the balance available on your cards plus interest. Interest in both this modality and the previous one are equivalent to the APR: 27.24% and the TIN: 24%.

We remind you that there are also certain commissions that you will have to pay, for example if you use your credit card to withdraw money at ATMs.

Popular ATMs or the same network: 3.5% commission, always paying a minimum of € 3 for your money.

Withdraw money at ATMs of another network or ATMs in the us dollar area: 4% commission on the money you withdraw, although the minimum will always be equal to € 4.

Therefore, as a recommendation, it will be better not to use your credit cards to have cash, since it has an associated expense that you can save and that you can always invest in other things. In the end, if you start to do your math, there are many coffees and breakfasts that you could take with those commissions.

What requirements do I have to meet to get my card

The basic requirements are to have Spanish nationality and a national identity document, and to have a bank account in any Spanish bank. Bancopopular-e will consult the lists that are necessary to prove your solvency and, depending on your personal circumstances, will decide up to how much credit it can grant you on your credit card.


Other credit cards

There are also other credit cards that may interest you before making your decision. From Addamo Credit we recommend that you always compare, that you inform yourself of the advantages and possible disadvantages, that you take note of the opinions of clients and then decide the card that best suits you. You can check the following credit cards:

One credit summary

Summary: Do you want to have a card to be able to obtain fast credit when you need it? Do you want a free card, without maintenance costs, and that allows you to stay with your bank? So with One credit you have found what you were looking for:

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