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WHICH FLAG DO YOU PREFER?
It will remain in the same place
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A breath of fresh air for your budget
The end of the month arrives with the precision of a Swiss watch: bills, rent, the car payment, and that unexpected "ping" from your card indicating you've reached your limit. The result? Your wallet feels trapped like gravy in a sealed envelope. Instead of asking the bank for help with endless processes, there's an express route: pre-approved card. You can order it from your couch, it arrives virtually in minutes, and it gives you a clear spending limit—no ink or fingerprints required.
What makes the pre-approved card your ally
Immediate response
Digital entities rely on algorithms: they review your payment history and biometric verification in seconds. In less time than it takes to make toast, you know if you've been approved... and how much.
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Limit in sight from day 1
No surprise letters with inflated or reduced amounts. The quota is displayed after verification, and you can adjust your budget immediately.
Absolute control in the app
Freeze your card if you can't remember where you put it, create virtual versions for one-time purchases, or receive alerts every time you pay for coffee—all with two taps of the screen.
Rewards that really add up
Fintech companies are competing for your attention. The result: cashback programs with no fine print, miles credited instantly, or partnerships with retailers you already shop with every day.
Turbo credit history
Every on-time payment boosts your score. In a matter of months, you can negotiate better rates for larger loans or increase your limit without any new paperwork.
Express path from download to first use
- Choose a reliable supplier
Check the app store rating and make sure the company is regulated. Be wary of those that promise "unlimited limits." - Complete your digital registration
A fresh selfie, a clear document, and basic proof of income. If you're a freelancer, your bank statements are fine. - Verify your identity
The camera compares your face to your ID; the anti-fraud system takes less time than heating soup. - Receive your initial limit
It appears on screen along with customization options: category limit, ideal payday, and push notifications. - Get the virtual card (and then the physical one)
The 16 virtual digits work immediately for online purchases; the physical card arrives in the mail a few days later, already contactless activated.
Moments when the card displays its superpower
- Variable expenses ordered
Use it only for groceries and gas. This way you'll detect real cash leaks; no more "what did it all go to?" - Minor emergencies without maladjustment
A flat tire or a microwave repair won't break your basic budget. - Planned rewards
During a cashback festival, buying that laptop you already needed gives you part of your money back. - Building credit from scratch
Ideal for young people without a track record or entrepreneurs who invoice irregularly.
Pitfalls that ruin freedom (and how to avoid them)
| Problem | Why it's bad | How to avoid it |
|---|---|---|
| Pay only the minimum | Your debt hibernates and interest grows | Pay the full amount or at least more than the minimum |
| Use the 100 % of the quota | Penalize your score | Keep utilization below 50 % |
| Ignore the cut-off date | Expensive surcharges and lower score | Schedule automatic alerts |
| Do not review the app | Suspicious charges go unnoticed | Check movements every two days |
| Financing whims | The limit is not extra salary | If it doesn't fit in the budget, save first |
Professional tricks to squeeze every penny
50-30-20 no drama
Set aside 50 % for fixed expenses, 30 % for personal needs, and 20 % for savings or investments. Load the card with only the first two parts.
Windows without interest
Some cards offer interest-free payments at participating retailers. Use them for durable goods or professional training, never for fleeting whims.
Infinite virtual cards
Generate disposable numbers for lesser-known stores. If they leak data, your primary card will sleep soundly.
Cashback = emergency fund
Send each refund directly into a savings account. You'll even be able to build up a cushion for unexpected events.
Quarterly score check
Free credit bureau apps show your score and potential errors. Correcting them early is easier and protects your financial reputation.
LibreCard: the companion that fits in your digital pocket
- Approval in five minutes: no queues or awkward calls.
- Very complete panel: Spending charts, one-touch blocking, and category budgets.
- Crystal Rewards: 2 % cashback on supermarkets and 1 % on everything else, no small print.
- Worldwide coverage: Mastercard, NFC and mobile wallet compatibility.
- 24/7 Human Support: agents respond in Spanish, no robotic menus.
In Part 2 you'll see how to download it and start using it in less time than it takes to pour a glass of water.
Your money, your rules
The pre-approved card It's not a pass for mindless spending. It's a tool for freedom: it allows money to flow when you need it and stay under control when you need to save. With clear limits, real rewards, and an app that acts as a dashboard, you'll go from holding your breath at the end of each month to deciding which goals to fund first.
Apply these tips, keep your payments up to date, and watch how each responsible purchase opens the door to new opportunities. Financial independence begins with a decision… and the right click!