{"id":3635,"date":"2025-10-02T21:19:08","date_gmt":"2025-10-02T21:19:08","guid":{"rendered":"https:\/\/martinezhernandezfinancialconsulting.com\/?p=3635"},"modified":"2025-10-23T16:13:33","modified_gmt":"2025-10-23T16:13:33","slug":"credito","status":"publish","type":"post","link":"https:\/\/martinezhernandezfinancialconsulting.com\/en\/credito\/","title":{"rendered":"Cr\u00e9dito"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"3635\" class=\"elementor elementor-3635\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2b973c21 e-flex e-con-boxed e-con e-parent\" data-id=\"2b973c21\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2dd0cb47 elementor-widget elementor-widget-text-editor\" data-id=\"2dd0cb47\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong><\/strong><\/p>\n<p>At <em data-start=\"225\" data-end=\"268\">Mart\u00ednez &amp; Hern\u00e1ndez Financial Consulting<\/em>, creemos que un buen cr\u00e9dito es m\u00e1s que una herramienta financiera: es la base para construir tu futuro. A trav\u00e9s de nuestro programa <strong data-start=\"403\" data-end=\"428\">\u201cCr\u00e9dito Inteligente\u201d<\/strong>, te ayudamos a comprender c\u00f3mo funciona el cr\u00e9dito, c\u00f3mo mantener un historial saludable y c\u00f3mo aprovecharlo estrat\u00e9gicamente para alcanzar tus metas personales y empresariales.<\/p>\n<figure class=\"wp-block-post-featured-image\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1536\" height=\"1024\" src=\"https:\/\/martinezhernandezfinancialconsulting.com\/wp-content\/uploads\/2025\/10\/ChatGPT-Image-Oct-10-2025-10_04_56-PM-1.png\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" style=\"object-fit:cover;\" srcset=\"https:\/\/martinezhernandezfinancialconsulting.com\/wp-content\/uploads\/2025\/10\/ChatGPT-Image-Oct-10-2025-10_04_56-PM-1.png 1536w, https:\/\/martinezhernandezfinancialconsulting.com\/wp-content\/uploads\/2025\/10\/ChatGPT-Image-Oct-10-2025-10_04_56-PM-1-300x200.png 300w, https:\/\/martinezhernandezfinancialconsulting.com\/wp-content\/uploads\/2025\/10\/ChatGPT-Image-Oct-10-2025-10_04_56-PM-1-1024x683.png 1024w, https:\/\/martinezhernandezfinancialconsulting.com\/wp-content\/uploads\/2025\/10\/ChatGPT-Image-Oct-10-2025-10_04_56-PM-1-768x512.png 768w, https:\/\/martinezhernandezfinancialconsulting.com\/wp-content\/uploads\/2025\/10\/ChatGPT-Image-Oct-10-2025-10_04_56-PM-1-18x12.png 18w\" sizes=\"(max-width: 1536px) 100vw, 1536px\" \/><\/figure>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-undefined-dd939f5 e-flex e-con-boxed e-con e-parent\" data-id=\"undefined-dd939f5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-undefined-cc65283 e-con-full e-flex e-con e-child\" data-id=\"undefined-cc65283\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-undefined-124b9a0 elementor-widget elementor-widget-heading\" data-id=\"undefined-124b9a0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Entendiendo los conceptos b\u00e1sicos del cr\u00e9dito<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-undefined-c0934a3 elementor-widget elementor-widget-text-editor\" data-id=\"undefined-c0934a3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Comprender c\u00f3mo funciona el cr\u00e9dito es el primer paso hacia una buena salud financiera. El cr\u00e9dito representa la confianza que una instituci\u00f3n o persona deposita en ti para prestarte dinero, con el compromiso de devolverlo en un plazo determinado y con ciertos intereses.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-undefined-53be3b0 e-con-full e-flex e-con e-child\" data-id=\"undefined-53be3b0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-undefined-7ddd85d e-con-full e-flex e-con e-child\" data-id=\"undefined-7ddd85d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-undefined-38ceda2 elementor-tablet-position-block-start elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"undefined-38ceda2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-star\" viewbox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M259.3 17.8L194 150.2 47.9 171.5c-26.2 3.8-36.7 36.1-17.7 54.6l105.7 103-25 145.5c-4.5 26.3 23.2 46 46.4 33.7L288 439.6l130.7 68.7c23.2 12.2 50.9-7.4 46.4-33.7l-25-145.5 105.7-103c19-18.5 8.5-50.8-17.7-54.6L382 150.2 316.7 17.8c-11.7-23.6-45.6-23.9-57.4 0z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t\u00bfQu\u00e9 es el cr\u00e9dito? \t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\t Es la capacidad de obtener dinero o bienes ahora y pagarlos en el futuro.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-undefined-e4f7754 elementor-tablet-position-block-start elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"undefined-e4f7754\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-star\" viewbox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M259.3 17.8L194 150.2 47.9 171.5c-26.2 3.8-36.7 36.1-17.7 54.6l105.7 103-25 145.5c-4.5 26.3 23.2 46 46.4 33.7L288 439.6l130.7 68.7c23.2 12.2 50.9-7.4 46.4-33.7l-25-145.5 105.7-103c19-18.5 8.5-50.8-17.7-54.6L382 150.2 316.7 17.8c-11.7-23.6-45.6-23.9-57.4 0z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tHistorial crediticio:\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tRegistra tu comportamiento como deudor; pagar a tiempo mejora tu puntaje, mientras que los retrasos lo afectan negativamente.\n\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-undefined-b04686d elementor-tablet-position-block-start elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"undefined-b04686d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-star\" viewbox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M259.3 17.8L194 150.2 47.9 171.5c-26.2 3.8-36.7 36.1-17.7 54.6l105.7 103-25 145.5c-4.5 26.3 23.2 46 46.4 33.7L288 439.6l130.7 68.7c23.2 12.2 50.9-7.4 46.4-33.7l-25-145.5 105.7-103c19-18.5 8.5-50.8-17.7-54.6L382 150.2 316.7 17.8c-11.7-23.6-45.6-23.9-57.4 0z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tPlazos y pagos\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tIndican cu\u00e1nto tiempo tienes para pagar y con qu\u00e9 frecuencia debes hacerlo\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-undefined-e4053d6 elementor-tablet-position-block-start elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"undefined-e4053d6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-star\" viewbox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M259.3 17.8L194 150.2 47.9 171.5c-26.2 3.8-36.7 36.1-17.7 54.6l105.7 103-25 145.5c-4.5 26.3 23.2 46 46.4 33.7L288 439.6l130.7 68.7c23.2 12.2 50.9-7.4 46.4-33.7l-25-145.5 105.7-103c19-18.5 8.5-50.8-17.7-54.6L382 150.2 316.7 17.8c-11.7-23.6-45.6-23.9-57.4 0z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tResponsabilidad crediticia\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\t Usar el cr\u00e9dito de forma consciente te ayuda a construir oportunidades y evitar deudas innecesarias.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-undefined-f7a8fd4 elementor-widget__width-inherit elementor-align-center elementor-widget elementor-widget-button\" data-id=\"undefined-f7a8fd4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Learn More<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>En Mart\u00ednez &amp; Hern\u00e1ndez Financial Consulting, creemos que un buen cr\u00e9dito es m\u00e1s que una herramienta financiera: es la base para construir tu futuro. A trav\u00e9s de nuestro programa \u201cCr\u00e9dito Inteligente\u201d, te ayudamos a comprender c\u00f3mo funciona el cr\u00e9dito, c\u00f3mo mantener un historial saludable y c\u00f3mo aprovecharlo estrat\u00e9gicamente para alcanzar tus metas personales y empresariales. [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":3790,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-3635","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/martinezhernandezfinancialconsulting.com\/en\/wp-json\/wp\/v2\/posts\/3635","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/martinezhernandezfinancialconsulting.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/martinezhernandezfinancialconsulting.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/martinezhernandezfinancialconsulting.com\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/martinezhernandezfinancialconsulting.com\/en\/wp-json\/wp\/v2\/comments?post=3635"}],"version-history":[{"count":22,"href":"https:\/\/martinezhernandezfinancialconsulting.com\/en\/wp-json\/wp\/v2\/posts\/3635\/revisions"}],"predecessor-version":[{"id":3811,"href":"https:\/\/martinezhernandezfinancialconsulting.com\/en\/wp-json\/wp\/v2\/posts\/3635\/revisions\/3811"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/martinezhernandezfinancialconsulting.com\/en\/wp-json\/wp\/v2\/media\/3790"}],"wp:attachment":[{"href":"https:\/\/martinezhernandezfinancialconsulting.com\/en\/wp-json\/wp\/v2\/media?parent=3635"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/martinezhernandezfinancialconsulting.com\/en\/wp-json\/wp\/v2\/categories?post=3635"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/martinezhernandezfinancialconsulting.com\/en\/wp-json\/wp\/v2\/tags?post=3635"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}