La razón por la que nunca deberías abrir una cuenta en KLAR!

Summary

In this video, Marco Antonio Jiménez shares his personal experiences with the Clark digital banking platform, discussing both the challenges and benefits. He highlights security issues, slow customer service, and unexpected charges, but also appreciates Clark for helping him build his credit history. Despite frustrations with customer support, he values Clark as a good option for those starting to build credit or recovering from past financial issues. He concludes by recommending Clark for its credit-building opportunities, while urging caution due to its high interest rates and security flaws.

Takeaways

• 😀 Clark has had significant security issues, including card cloning and unauthorized charges, which have affected users' experiences.
• 😀 Customer service at Clark is often slow, with long response times and inefficient issue resolution, making it a challenge for users seeking support.
• 😀 Despite the security and customer service problems, Clark has provided solutions to users, though not always as quickly as desired.
• 😀 The platform offers an opportunity to build or improve a credit history, which is valuable for those who have no prior credit history.
• 😀 Clark can be beneficial for individuals who need to start building credit, offering credit lines that increase over time if payments are made on time.
• 😀 The platform initially provided a credit line of 900 pesos, which quickly increased to 10,000 pesos, illustrating Clark's ability to trust users with credit.
• 😀 While Clark offers personal loans, these often come with high-interest rates and are not the best option for large financial needs.
• 😀 Clark's debit account migration to a credit account has created additional complexities, with charges to both accounts sometimes resulting in confusing balances.
• 😀 Users should exercise caution and avoid becoming delinquent, as Clark's high-interest rates on overdue payments can cause significant financial strain.
• 😀 Although Clark has had its share of challenges, including security breaches, it has resolved these issues in the end, providing a reliable service for those willing to stick with it.
• 😀 Marco recommends having a secondary account with Clark, despite its flaws, due to its potential to help build a credit history and the convenience it offers for specific users.

Q & A

What is the main topic of this podcast episode?

The main topic of this podcast episode is a follow-up on the Clar platform, focusing on the user experience, security issues, and improvements since the last review.

What issues did the host experience with Clar's customer service?

The host experienced long response times and poor customer service when his card was cloned, including difficulties reaching a representative and resolving the issue in a timely manner.

How did the host describe his experience with Clar's security?

The host mentioned facing multiple security issues, including card cloning and unauthorized charges on both the digital and physical versions of the card. Despite these issues, he acknowledged that Clar eventually resolved the problems, though not quickly.

What financial issues did the host face while using Clar?

The host experienced unexplained charges, disappearing balances, and duplicate transactions on both the debit and credit accounts, which caused significant stress.

What does the host recommend for users who are concerned about Clar's security?

The host advises users to be aware of potential security flaws but emphasizes that Clar has resolved issues for him in the past. However, he recommends caution and suggests looking into other platforms if security is a major concern.

What positive aspects does the host highlight about using Clar?

The host appreciates the ease of access to a credit line, especially for those with no prior credit history. He values the ability to build a credit history and the opportunities Clar offers for credit increases and personal loans.

How does Clar support users in building a credit history?

Clar helps users build credit by offering them a line of credit even with no prior credit history. The host personally received a small credit limit initially, which later increased based on responsible usage and timely payments.

What does the host think about Clar's interest rates and loan terms?

While the host acknowledges that Clar's loan terms and interest rates are not the most attractive, he appreciates the credit opportunities offered, especially for users looking to rebuild their credit or gain access to financing.

How did the host describe Clar's handling of a significant account error?

The host described a situation where his account showed a negative balance due to a system error, which was resolved after several days of communication. Although the situation was frustrating, it was eventually corrected.

Would the host recommend Clar to others, and under what circumstances?

The host would recommend Clar for users who are looking to build or rebuild their credit and who are disciplined with their finances. He also suggests that Clar could be a good secondary account, but cautions users about potential security and customer service issues.