Young Person's Después credit card

With the BBVA Young Person's Después credit card, you can buy whatever you need and get flexible payment terms. Select the payment method you want and change it at any time.

• Full payment: pay your monthly credit card bill on the 5th of the following month.
• Deferred revolving payment: pay a fixed amount of the bill on the 5th of the following month, with interest.

• You can make purchases without taking out your wallet and turn your cards on or off. 

Your cell phone is much more than just your telephone. You can us it to pay, including with your young person's Joven credit card in BBVA Mobile Pay, Google Pay, Samsung Wallet or Apple Pay. Can't find the card? Deactivate it, and reactivate it when you find it.

• Change the limits whenever you want.

You can limit the use of the credit card for a certain period of time.

• And you can also use it on debit.

This card is particularly versatile since you can withdraw cash at BBVA ATMs from your account on debit at no charge, or on credit for a fee, depending on your situation that month.

• The card includes insurance so you can worry just the right amount.

The Después Young Person's card covers you if you are a victim of fraud or if you are mugged at an ATM (up to €600 per claim and card).

With the personalized payment, you can defer the payment of any purchase made with the card or the monthly amount owed, provided this amount is at least €50. 

The monthly payments will be for a fixed amount (which includes principal and interest if it is a personalized payment with interest, or principal and fees if it is a personalized payment with fee) and will depend on the term you choose, from a minimum of 3 months to a maximum of 36 months. This amount will be charged to the account on the 5th of each month. 

The first payment in both cases is different: 

• For a personalized payment with interest, it only includes interest.
• For a personalized payment with fee, only the deferral fee is charged.

Once you take out the card, you can use both the BBVA app and bbva.es to calculate your monthly payment based on the repayment period you choose.

Example of personalized payment with interest:

• Interest rate: 21.60% annually.
• Credit limit: €1,500.

You take out the Young Person's Después credit card with a limit of €1,500. That same day, for example, November 12, 2023, you make a purchase for the same amount and choose to defer it over 12 months. This is what you would have to pay: 

• The first installment will be for €15.98 and it only includes interest.
• The following 11 installments will be for €151.53 each.
• The total amount payable will be €1,682.81 and the APR will be 23.87%.

Example of personalized payment with fee:

• Deferral fee: 3.5%, 4.3%, 5.2% or 6% of the amount financed, depending on the period chosen (3, 4, 5 or 6 months). 
• Interest rate: 0% annual.
• Credit limit of €1,500.

Below are some examples of customised payment methods with a fee over 3 to 6 months. The NIR is 0% in every case

You take out the Young Person's Después Card with a limit of €1,500. That same day, for example, November 12, 2023, you make a purchase for the same amount and choose to defer it over 6 months. This is what you would have to pay: 

• The first payment will be for €90, which only includes the deferral fee, which is 6% of the amount financed.
  
• The following 6 installments will be for €250 each and include only principal.
• The total amount payable will be €1,590 and the APR will be 19.80%.

If you choose to defer it over 5 months, this is what you will have to pay: 

• The first payment will be for €78, which only includes the deferral fee, which is 5.2% of the amount financed. 
  
• The following 5 installments will be for €300 each and include only principal.
  
• The total amount payable will be €1,578 and the APR will be 19.41%.

If you choose to defer it over 4 months, this is what you will have to pay: 

• The first payment will be for €64.50, which only includes the deferral fee, which is 4.3% of the amount financed.
  
• The following 4 installments will be for €375 each and include only principal.
• The total amount payable will be €1,564.50 and the APR will be 18.43%.

If you choose to defer it over 3 months, this is what you will have to pay: 

• The first payment will be for €52.50, which only includes the deferral fee, which is 3.5% of the amount financed.
  
• The following 5 installments will be for €500 each and include only principal. 
• The total amount payable will be €1,552.50 and the APR will be 17.72%.

This system applies only to each specific settlement for which it is requested.

With a deferred revolving payment, you can pay a fixed amount of your card bill each month. This payment method charges interest.

• Interest rate: 21.60%.
• Credit limit: €1,500.

The monthly payment settlement date is the last business day of each month. On the 5th of the following month, you will pay a fixed monthly amount that includes principal, interest and fees.

The minimum monthly amount is €12, and you can choose any higher amount. 

The payment chosen is used to pay the interest and agreed expenses first, and then to repay the loan or the balance you draw down. Therefore, we recommend choosing an installment that allows you to repay the credit drawn down within a reasonable period of time.

Once you take out the card, you can use both the BBVA app and bbva.es to calculate the repayment period based on your chosen payment method, as well as the total interest payable, if any.

You can also use the Bank of Spain's revolving card simulator to calculate the approximate total card payment or the final payment date, based on the expense and the payment method chosen.

Remember that you can change the payment method for your card whenever you want.

Example of deferred revolving payment with fixed amount

This example complies with the information requirements of Order EHA/1718/2010, which governs and controls the advertising of banking services and products, the conditions of which may not correspond to those of the contract. 

If you make a purchase for €1,500 with a NIR of 21.60% and you choose to make a fixed monthly payment of €46.93, you would have to pay: 

• 48 monthly payments of €46.93. 
• The total amount payable will be €2,252.83 and the APR will be 24.61%.

IMPORTANT: With the settlement system of the Después Young Person's credit card, it isn't always possible to repay the credit in 48 equal monthly installments because the minimum amount payable is 3% of the balance drawn. This means that every month, you will pay the higher of the following amounts:

•  The selected fee, made up of principal, interest and fees.
• Or 3% of the credit drawn before settlement, plus the interest and fees for the period. 

If you get this card and on the same day, for example, February 21, 2025, you make a purchase for €1,500 and choose to make payments of €38 on the 5th of each month, the total amount payable over 48 months, assuming an NIR of 21.60%, would be €2,115.68. The APR will be 23.67%.