{"id":3597,"date":"2023-03-25T01:02:00","date_gmt":"2023-03-25T05:02:00","guid":{"rendered":"https:\/\/patriotfcu.pixelspoke-staging.com\/?p=3597"},"modified":"2024-05-02T11:54:55","modified_gmt":"2024-05-02T15:54:55","slug":"deberia-utilizar-una-linea-de-credito-comercial-o-una-tarjeta-de-credito","status":"publish","type":"post","link":"https:\/\/www.patriotfcu.org\/es\/blog\/should-you-use-a-business-line-of-credit-or-credit-card\/","title":{"rendered":"\u00bfDeber\u00eda utilizar una l\u00ednea de cr\u00e9dito comercial o una tarjeta de cr\u00e9dito?"},"content":{"rendered":"<div class=\"co-flex_row co-flex_row__blog-post-hero\" >\n\t<div class=\"co-flex_row--row co-row\">\n\t\t\t<header class=\"single_post--header co-post_hero light co-page_hero__has_image\" aria-label=\"Encabezado de la publicaci\u00f3n: \u00bfDeber\u00eda utilizar una l\u00ednea de cr\u00e9dito comercial o una tarjeta de cr\u00e9dito?\">\n\t\t<h1 class=\"single_post--title\">\u00bfDeber\u00eda utilizar una l\u00ednea de cr\u00e9dito comercial o una tarjeta de cr\u00e9dito?<\/h1>\n\t\t<p class=\"single_post--category\"><a href=\"https:\/\/www.patriotfcu.org\/es\/blog\/category\/business-services\/\" rel=\"category tag\">Servicios de negocios<\/a><\/p>\n\t\t<p class=\"single_post--date\">marzo 25, 2023<\/p>\n\t\t<div class=\"single_post--social-share\">Compartir en<div class=\"co-social_share a2a_kit a2a_default_style\">\n\t\t\t<a\n\t\t\tclass=\"co-social--link\t\t\t\tjs-share_button\t\t\t\ttrusted\"\n\t\t\tdata-shareurl=\"https:\/\/www.patriotfcu.org\/es\/blog\/should-you-use-a-business-line-of-credit-or-credit-card\/\"\n\t\t\tdata-sharetitle=\"Should You Use a Business Line of Credit or Credit Card?\"\n\t\t\tdata-shareservice=\"facebook\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17.738\" height=\"32.746\" viewbox=\"0 0 17.738 32.746\">\n  <path id=\"Path_690\" data-name=\"Path 690\" d=\"M89.242,351.968H83.868c-.59,0-1.269.715-1.269,1.787V356.4h6.648v6.648H82.6v15.013h-6.21V363.049h-4.88V356.4h4.88v-2.59c0-4.469,3.355-8.494,7.479-8.494h5.374Z\" transform=\"translate(-71.509 -345.317)\" fill=\"#2b6ea5\"\/>\n<\/svg>\n\t\t<\/a>\n\t\t\t\t<a\n\t\t\tclass=\"co-social--link\t\t\t\tjs-share_button\t\t\t\ttrusted\"\n\t\t\tdata-shareurl=\"https:\/\/www.patriotfcu.org\/es\/blog\/should-you-use-a-business-line-of-credit-or-credit-card\/\"\n\t\t\tdata-sharetitle=\"Should You Use a Business Line of Credit or Credit Card?\"\n\t\t\tdata-shareservice=\"linkedin\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"29.324\" height=\"29.282\" viewbox=\"0 0 29.324 29.282\">\n  <path id=\"Path_689\" data-name=\"Path 689\" d=\"M496.424,377.52h-6.047V358h6.047Zm-3.048-22.078a3.6,3.6,0,1,1,3.571-3.632v.032a3.587,3.587,0,0,1-3.571,3.6m25.692,22.078h-6.012V367.272c0-2.81-1.069-4.379-3.29-4.379-2.421,0-3.681,1.635-3.681,4.379v10.248h-5.8V358h5.8v2.629a6.8,6.8,0,0,1,5.879-3.225c4.141,0,7.1,2.528,7.1,7.756Z\" transform=\"translate(-489.743 -348.239)\" fill=\"#2b6ea5\"\/>\n<\/svg>\n\t\t<\/a>\n\t\t<\/div><\/div>\n\t\t\t\t<div class=\"single_post--img_wrap\">\n\t\t\t<div class=\"single_post--img_wrap\"><img loading=\"lazy\" decoding=\"async\" width=\"1100\" height=\"721\" src=\"https:\/\/www.patriotfcu.org\/wp-content\/uploads\/Blog-Post-Image-2-Recovered.jpg\" class=\"attachment-full size-full\" alt=\"Due\u00f1o de un negocio de cer\u00e1mica usando su tarjeta para realizar compras en l\u00ednea\"  srcset=\"https:\/\/www.patriotfcu.org\/wp-content\/uploads\/Blog-Post-Image-2-Recovered.jpg 1100w, https:\/\/www.patriotfcu.org\/wp-content\/uploads\/Blog-Post-Image-2-Recovered-540x354.jpg 540w, https:\/\/www.patriotfcu.org\/wp-content\/uploads\/Blog-Post-Image-2-Recovered-730x478.jpg 730w, https:\/\/www.patriotfcu.org\/wp-content\/uploads\/Blog-Post-Image-2-Recovered-768x503.jpg 768w, https:\/\/www.patriotfcu.org\/wp-content\/uploads\/Blog-Post-Image-2-Recovered-18x12.jpg 18w, https:\/\/www.patriotfcu.org\/wp-content\/uploads\/Blog-Post-Image-2-Recovered-396x260.jpg 396w, https:\/\/www.patriotfcu.org\/wp-content\/uploads\/Blog-Post-Image-2-Recovered-800x524.jpg 800w, https:\/\/www.patriotfcu.org\/wp-content\/uploads\/Blog-Post-Image-2-Recovered-75x49.jpg 75w\" sizes=\"auto, (max-width: 1100px) 100vw, 1100px\" \/><\/div>\t\t<\/div>\n\t\t<p class=\"single_post--summary\">\n\t\t\tComo propietario de un negocio, usted sabe lo vital que es el flujo de caja y es posible que necesite recurrir al cr\u00e9dito con frecuencia. Ya sea para cubrir el inventario, hacer la n\u00f3mina o los gastos diarios, muchas empresas dependen del cr\u00e9dito. Pero, \u00bfqu\u00e9 tipo de cr\u00e9dito deber\u00eda tener: una tarjeta de cr\u00e9dito o una l\u00ednea de cr\u00e9dito comercial? Si bien ambas son opciones viables cuando su empresa necesita mantener su flujo de caja en movimiento, cada una tiene sus ventajas y desventajas.\t\t<\/p>\n\t<\/header><!-- .entry_header -->\n\t\n\n\t<\/div>\n<\/div>\n\n\n<div class=\"co-flex_row co-flex_row__white co-flex_row__long-form-text\" >\n\t<div class=\"co-flex_row--row co-row\">\n\t\t\t<div class=\"co-long_form\">\n\t\t\t\t\t<div class=\"co-long_form--block co-long_form--block__nomedia prow items-start justify-center\">\n\t\t\t\t<div class=\"co-long_form--text pcol-md:12\">\n\t\t\t\t\t<div class=\"co-long_form--content\"><h2>Tarjetas de Cr\u00e9dito Comerciales<\/h2>\n<p>Cuando se trata de obtener cr\u00e9dito como propietario de un negocio, las tarjetas de cr\u00e9dito suelen ser el camino m\u00e1s f\u00e1cil a seguir en t\u00e9rminos de solicitud. Adem\u00e1s, al igual que en su vida personal, el uso de tarjetas de cr\u00e9dito tiene muchas ventajas a la hora de administrar su negocio.<\/p>\n<ul>\n<li>Flexibilidad y conveniencia<\/li>\n<li>Ayuda con la organizaci\u00f3n de tus gastos.<\/li>\n<li>Mantenga sus gastos personales y comerciales separados<\/li>\n<li>Facilidad para organizar los gastos de impuestos.<\/li>\n<li>Posibilidad de tener varias tarjetas de empleado en una misma cuenta<\/li>\n<\/ul>\n<p>Sin embargo, si bien las tarjetas de cr\u00e9dito comerciales ofrecen una gran cantidad de beneficios y se aceptan en la mayor\u00eda de los lugares, existen algunas limitaciones.<\/p>\n<ul>\n<li>No se puede utilizar para cubrir la n\u00f3mina<\/li>\n<li>Algunos vendedores no aceptan tarjetas de cr\u00e9dito.<\/li>\n<li>Tasas de inter\u00e9s m\u00e1s altas (dependiendo del puntaje crediticio)<\/li>\n<li>No aceptado por todos los emisores de facturas (por ejemplo: pagos de arrendamiento)<\/li>\n<\/ul>\n<p>Cuando se trata de gestionar los gastos diarios, las tarjetas de cr\u00e9dito son extremadamente valiosas para los propietarios de empresas. Pero es importante tener en cuenta que los prestamistas pueden utilizar su puntaje e historial crediticio personal para calificarlo para una tarjeta de cr\u00e9dito comercial si es propietario de una peque\u00f1a empresa. Por lo tanto, mantener un buen puntaje crediticio personal siempre debe ser una prioridad absoluta.<\/p>\n<h2>L\u00ednea de cr\u00e9dito comercial<\/h2>\n<p>Una l\u00ednea de cr\u00e9dito comercial funciona de manera similar a una tarjeta de cr\u00e9dito en el sentido de que se le aprueba un monto espec\u00edfico. Puede recurrir a estos fondos cuando los necesite. Una vez que devuelva los fondos prestados, podr\u00e1 utilizarlos nuevamente.<\/p>\n<p>Si bien este tipo de pr\u00e9stamo puede funcionar de manera similar a una tarjeta de cr\u00e9dito, existen muchos beneficios que los due\u00f1os de negocios pueden aprovechar para que sus negocios sigan creciendo.<\/p>\n<ul>\n<li>S\u00f3lo paga intereses por lo que pides prestado<\/li>\n<li>Pagar a proveedores que no aceptan tarjetas de cr\u00e9dito.<\/li>\n<li>Tasas de inter\u00e9s m\u00e1s bajas que la mayor\u00eda de las tarjetas de cr\u00e9dito.<\/li>\n<li>Se puede utilizar para cubrir pagos de n\u00f3mina y arrendamiento.<\/li>\n<li>Montos de pr\u00e9stamos m\u00e1s altos que las tarjetas de cr\u00e9dito<\/li>\n<\/ul>\n<p>Una l\u00ednea de cr\u00e9dito comercial es una excelente manera de llenar los vac\u00edos en \u00e1reas donde las tarjetas de cr\u00e9dito no pueden, como hacer pagos de n\u00f3mina o arrendamiento. Sin embargo, tambi\u00e9n existen limitaciones que conlleva este tipo de pr\u00e9stamo.<\/p>\n<ul>\n<li>Su negocio puede ser utilizado como garant\u00eda<\/li>\n<li>Los intereses comienzan a acumularse inmediatamente<\/li>\n<li>Puede haber cargos adicionales involucrados<\/li>\n<\/ul>\n<p>Dependiendo del tama\u00f1o del pr\u00e9stamo, muchos prestamistas pueden exigir garant\u00edas sobre una l\u00ednea de cr\u00e9dito comercial. Para algunas peque\u00f1as empresas que reci\u00e9n comienzan, esa puede no ser una opci\u00f3n. Como resultado, en su lugar se pueden utilizar bienes personales. Este aspecto de una l\u00ednea de cr\u00e9dito hace que sea m\u00e1s dif\u00edcil para las nuevas empresas, especialmente aquellas con garant\u00edas limitadas disponibles.<strong>\u00a0<\/strong><\/p>\n<h2>La l\u00ednea de fondo<\/h2>\n<p>Al final del d\u00eda, la mejor opci\u00f3n para usted y su negocio puede ser una combinaci\u00f3n de ambas. Usarlos para diferentes aspectos de su negocio puede ayudar a que todo funcione sin problemas. Si bien una l\u00ednea de cr\u00e9dito puede ahorrarle dinero con tasas de inter\u00e9s m\u00e1s bajas y permitirle pedir prestado mayores cantidades de dinero, una tarjeta de cr\u00e9dito ofrece un mayor nivel de conveniencia para los gastos diarios.<\/p>\n<h2>\u00a1Podemos ayudar!<\/h2>\n<p>Tener acceso al cr\u00e9dito puede ser un componente vital para administrar un negocio. Ya sea que est\u00e9 considerando una tarjeta de cr\u00e9dito o una l\u00ednea de cr\u00e9dito para su negocio, tenemos opciones disponibles.<\/p>\n<p>Visite cualquiera de nuestras convenientes sucursales o llame al 888-777-9982 para obtener m\u00e1s informaci\u00f3n sobre los diversos productos que ofrecemos dise\u00f1ados para ayudar a que su negocio crezca.<\/p>\n<p><em>La situaci\u00f3n financiera de cada individuo es \u00fanica y se recomienda a los lectores que se comuniquen con la Cooperativa de Cr\u00e9dito cuando busquen asesoramiento financiero sobre los productos y servicios discutidos. Este art\u00edculo tiene fines educativos \u00fanicamente; Los autores no asumen ninguna responsabilidad legal por la integridad o exactitud de los contenidos.<\/em><\/p>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t<\/div>\n<\/div>\n\n\n<div class=\"co-flex_row co-flex_row__white co-flex_row__last co-flex_row__disclosures\" >\n\t<div class=\"co-flex_row--row co-row\">\n\t\t\t<div class=\"co-disclosures\">\n\t\t<h2 class=\"co-disclosures--title\">Divulgaciones<\/h2>\n\t\t<div class=\"co-disclosures--content\">\n\t\t\t\t\t\t\t<ul>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Esta cooperativa de cr\u00e9dito est\u00e1 asegurada a nivel federal por la Administraci\u00f3n Nacional de Cooperativas de Cr\u00e9dito.<\/p>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Prestamista de vivienda equitativa<\/p>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t<\/div>\n\t<\/div>\n\n\t<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Como propietario de un negocio, usted sabe lo vital que es el flujo de caja y es posible que necesite recurrir al cr\u00e9dito con frecuencia. Ya sea para cubrir el inventario, hacer la n\u00f3mina o los gastos diarios, muchas empresas dependen del cr\u00e9dito. Pero, \u00bfqu\u00e9 tipo de cr\u00e9dito deber\u00eda tener: una tarjeta de cr\u00e9dito o una l\u00ednea de cr\u00e9dito comercial? Si bien ambas son opciones viables cuando su empresa necesita mantener su flujo de caja en movimiento, cada una tiene sus ventajas y desventajas. <a href=\"https:\/\/www.patriotfcu.org\/es\/blog\/should-you-use-a-business-line-of-credit-or-credit-card\/\">sigue leyendo <span class=\"meta-nav\">\u2192<\/span><\/a><\/p>","protected":false},"author":12,"featured_media":3801,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_searchwp_excluded":"","footnotes":""},"categories":[45],"tags":[],"class_list":["post-3597","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business-services"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Should You Use a Business Line of Credit or Credit Card? - Patriot Federal Credit Union<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.patriotfcu.org\/es\/blog\/deberia-utilizar-una-linea-de-credito-comercial-o-una-tarjeta-de-credito\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Should You Use a Business Line of Credit or Credit Card? - Patriot Federal Credit Union\" \/>\n<meta property=\"og:description\" content=\"As a business owner, you know how vital cash flow is, and you may need to tap into credit frequently. Whether it\u2019s covering inventory, making payroll, or everyday expenses, many businesses rely on credit. But what type of credit should you have \u2013 a credit card or a business line of credit? While both are viable options when your business needs to keep its cash flow moving, there are pros and cons of each. Continue reading &rarr;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.patriotfcu.org\/es\/blog\/deberia-utilizar-una-linea-de-credito-comercial-o-una-tarjeta-de-credito\/\" \/>\n<meta property=\"og:site_name\" content=\"Patriot Federal Credit Union\" \/>\n<meta property=\"article:published_time\" content=\"2023-03-25T05:02:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-05-02T15:54:55+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.patriotfcu.org\/wp-content\/uploads\/Should-You-Use-a-Business-Line-of-Credit-or-Credit-Card.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1100\" \/>\n\t<meta property=\"og:image:height\" content=\"721\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Ken Ditzler\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Ken Ditzler\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.patriotfcu.org\\\/blog\\\/should-you-use-a-business-line-of-credit-or-credit-card\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.patriotfcu.org\\\/blog\\\/should-you-use-a-business-line-of-credit-or-credit-card\\\/\"},\"author\":{\"name\":\"Ken Ditzler\",\"@id\":\"https:\\\/\\\/www.patriotfcu.org\\\/#\\\/schema\\\/person\\\/64f7330195a0ff0acbd56677fe8baab3\"},\"headline\":\"Should You Use a Business Line of Credit or Credit Card?\",\"datePublished\":\"2023-03-25T05:02:00+00:00\",\"dateModified\":\"2024-05-02T15:54:55+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.patriotfcu.org\\\/blog\\\/should-you-use-a-business-line-of-credit-or-credit-card\\\/\"},\"wordCount\":11,\"image\":{\"@id\":\"https:\\\/\\\/www.patriotfcu.org\\\/blog\\\/should-you-use-a-business-line-of-credit-or-credit-card\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.patriotfcu.org\\\/wp-content\\\/uploads\\\/Should-You-Use-a-Business-Line-of-Credit-or-Credit-Card.jpg\",\"articleSection\":[\"Business Services\"],\"inLanguage\":\"es-ES\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.patriotfcu.org\\\/blog\\\/should-you-use-a-business-line-of-credit-or-credit-card\\\/\",\"url\":\"https:\\\/\\\/www.patriotfcu.org\\\/blog\\\/should-you-use-a-business-line-of-credit-or-credit-card\\\/\",\"name\":\"Should You Use a Business Line of Credit or Credit Card? 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- Cooperativa de cr\u00e9dito federal Patriota","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.patriotfcu.org\/es\/blog\/deberia-utilizar-una-linea-de-credito-comercial-o-una-tarjeta-de-credito\/","og_locale":"es_ES","og_type":"article","og_title":"Should You Use a Business Line of Credit or Credit Card? - Patriot Federal Credit Union","og_description":"As a business owner, you know how vital cash flow is, and you may need to tap into credit frequently. Whether it\u2019s covering inventory, making payroll, or everyday expenses, many businesses rely on credit. But what type of credit should you have \u2013 a credit card or a business line of credit? While both are viable options when your business needs to keep its cash flow moving, there are pros and cons of each. 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