How using a credit card to defer payment for your purchases can be useful

We'll explain the advantages of using a credit card to defer payment for your purchases.
Your long-awaited vacation has finally arrived, or you need to make an emergency repair to your home, or an unexpected expense has suddenly appeared: These are all situations where having some flexibility when paying for your purchases can really be helpful. One possible option in such cases is to use a credit card, which is a payment method that lets you defer payments on your purchases. But how exactly does this work?
Top banner Después Card Top banner Después Card
Después Card
You'll be able to pay for your purchases over time and use it at over 6,000 ATMs.

A credit card gives you various payment options, such as waiting until the following month to pay for all of the purchases you make (with no interest), or paying off your balance more gradually over time (with interest).

Our BBVA credit cards can be easily managed online at bbva.es or by using the BBVA app. We let you manage your card payments quickly and easily, and from any location, so that as the account holder you can choose the payment method that is best adapted to your own needs.

Payment methods for credit cards

BBVA credit cards primarily offer three payment methods: payment in full, deferred payment, and customized payment.

The first of these options is payment in full, which is set up by default for all BBVA credit cards, except for revolving cards. With this option, the total amount of the purchases you make using your card will be charged against your associated bank account on the 5th day of the following month, with no added interest. This allows you to defer payment for your purchases until the next month, but without the need to pay any interest.

With the deferred payment you pay back the amount spent over several installments. You can choose between paying a fixed amount each month or paying a fixed percentage of your total balance. With this option you will be charged interest, under the terms specified in your credit card contract.

Central Banner Después Card Central Banner Después Card
BBVA credit card
Pay for your purchases over time with the Después Card and use it at over 6,000 ATMs.

Finally, the customized payment option lets you divide the payment of any debt over €50 into installments. You can choose between payment over a period of 3 to 36 months with interest, or else over 3 to 6 months in exchange for payment of a fee.

Don't forget that all BBVA credit cards can be easily managed online, including instantly switching between these payment options. For more information, take a look at our full catalog of BBVA cards and find out more about the advantages they offer.

Después Card ACCT Después Card ACCT
Cards- You might also be interested in Cards- You might also be interested in

You might also be interested in

  • We'll tell you how to use this service to withdraw cash from an ATM without a card.
  • At BBVA, we'll explain the differences between credit and debit cards in a clear and simple manner.
  • We'll explain how to deposit cash at an ATM so you can do so whenever you want.
Cards - Tools Cards - Tools

Card tools

  • Discover the features of each of the cards that BBVA can offer you, thanks to this comparison tool.