TARJETA CMR Como Funciona PERU

Summary

In this video, the host explores the CMR credit card offered by Banco Falabella, focusing on its benefits and features. The CMR card allows users to make purchases at various department stores with discounts and accumulate points for rewards. There are four types of CMR cards, each with different benefits, including the ability to earn points based on spending. The video also discusses how users can maximize the benefits of their CMR card, avoid inflated discounts, and manage their finances effectively. Additionally, the host offers financial advice and tips on using credit cards responsibly.

Takeaways

• 😀 The CMR credit card from Banco Falabella can be used for purchases at a wide range of stores, not just in Falabella's chain, providing flexibility to shop wherever you want.
• 😀 There are four categories of the CMR credit card: Basic, Platinum, and Signature, each with varying levels of benefits and points accumulation rates.
• 😀 The CMR card offers discounts at various department stores like Saga Falabella, Tottus, and Sodimac when you pay using the card, resulting in a lower final price for many products.
• 😀 Points are accumulated based on your spending: for every 4 soles spent at Falabella stores, you earn 1 CMR point. Points can also be accumulated at other stores but at a lower rate.
• 😀 CMR points can be redeemed for gift cards, discounts at restaurants, or other products. The more points you accumulate, the higher the value of the rewards.
• 😀 The Visa benefits that come with the CMR card are universal to all Visa credit cards, offering extra perks like access to exclusive offers and services, regardless of the issuing bank.
• 😀 The Basic CMR card is the most limited in terms of points accumulation and benefits, with the Signature card offering the most extensive advantages and perks.
• 😀 Be cautious about promotional discounts. Ensure the original price of products isn't inflated before discounts are applied, as some stores may increase prices before offering a ‘discount.’
• 😀 The card’s annual membership fee varies depending on the category, and you can avoid paying the fee if you meet certain spending thresholds, like spending 100 soles per month for the Basic card.
• 😀 It’s not recommended to buy products in installments with the CMR card, as the interest rates are very high (up to 83.4% for Basic), leading to expensive debt if not paid off in full.
• 😀 You can cancel your CMR card before the annual membership fee is charged if you don’t want to pay it. If done properly, you may avoid any fees or charges associated with the card.

Q & A

What is the CMR card from Banco Falabella?

The CMR card is a credit card that can be used anywhere, not just in stores affiliated with Falabella. It provides discounts, points, and other benefits depending on the category of the card.

What benefits does the CMR card offer?

The CMR card offers two main benefits: discounts at certain stores like Saga Falabella, Tottus, and Sodimac, and the accumulation of points for purchases made in these stores and other locations.

Can the CMR card be used outside of department stores?

Yes, the CMR card is a general credit card, so it can be used anywhere. However, you will receive additional benefits when shopping in affiliated stores like Saga Falabella and Tottus.

What are the differences between the four categories of the CMR card?

The four CMR card categories are: Basic, Platinum, Visa Signature, and CMR Visa. Each category offers different benefits, with Platinum and Signature cards providing more points and additional perks compared to the Basic card.

How do CMR points work?

CMR points are earned based on purchases. With the Basic CMR card, you earn one point for every four soles spent at Falabella stores. Other categories offer one point for every two soles spent, both within the Falabella group and at other retailers.

What can you do with the CMR points you accumulate?

You can redeem your CMR points for gift cards, products, and services from various retailers. For example, with 3,500 points, you can redeem a gift card worth 25 soles.

What is the Fan program associated with CMR cards?

The Fan program rewards cardholders with benefits such as special promotions, additional points during their birthday month, and discounts on the annual membership fee when they accumulate 3,000 points.

How does the CMR card's membership fee work?

The CMR card has an annual membership fee that can be waived if you meet specific spending requirements. For the Basic card, if you spend 100 soles per month, you don’t have to pay the fee. Other categories have higher spending thresholds for waiving the fee.

What should I watch out for when using the CMR card for discounts?

Ensure that the product price is not inflated before the discount. Sometimes stores might advertise a 'discount exclusive for CMR users,' but they may have already increased the original price of the product.

Is it a good idea to make purchases in installments using the CMR card?

It is generally not recommended to buy items in installments, as the interest rates on CMR card installment plans can be very high, reaching up to 83.40% in some cases.